See More: Cheap Car Insurance Massachusetts
See More: Compare Car Insurance
See More: Best Car Insurance Companies
The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.
The minimum bodily injury liability insurance requirements in Massachusetts are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Massachusetts are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.
Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements.
What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
|Failure to Stop for Red Light / Stop Sign||$312|
See More: Bad Credit Car Insurance Massachusetts
The RMV Lawrence Service Center is open weekdays from 9 a.m. to 5 p.m. and offers driver’s licenses, learner’s permits, vehicle registration, and title transactions. Scheduling an appointment is strongly recommended, but walk-ins can also receive service from the staff. The Lawrence RMV is located at:
73 Winthrop Ave
Lawrence, MA 01843
About 4 percent of Lawrence residents use the public transit system to get to work, and another 4 percent walk. But the vast majority of people in Lawrence drive to work, with an average commute time of about 23 minutes. While it may be possible to forgo having a car in Lawrence, many people still rely on their vehicles and need car insurance coverage.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lawrence drivers measure up to their fellow Massachusetts motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lawrence drivers rank 13 in the number of car accidents per driver across all cities in Massachusetts.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Lawrence drivers rank 20 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lawrence drivers rank 22 in the number of DUI’s per driver across all cities in Massachusetts.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lawrence is the Honda Accord.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Lawrence drivers rank 26 in hybrid and electric vehicle ownership across all cities in Massachusetts.
Whether you’re looking for minimum coverage or full coverage with roadside assistance, you can find a cheap car insurance policy by comparing quotes with Insurify. You’ll just need to answer a few questions, and our artificial intelligence technology will show you quotes from companies like GEICO and Allstate, along with smaller local carriers. There’s no need to go through an insurance agency or get individual quotes from multiple insurers’ websites to find the cheapest deal. Simply enter some information about your vehicle and driving history to get started. It’s free to use, and the average Insurify user saves $585 annually just by switching to a cheaper company.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.