Boston Auto Insurance


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Boston is one of the oldest cities in the United States and is notorious for poor drivers and lots of traffic congestion. The capital of Massachusetts ranks as the sixth largest metropolitan area in the country and brings in drivers from all or part of three states. Lots of drivers from many states, combined with a large student population and poor weather, make for a high likelihood of an auto accident. Here are some automobile-related statistics for Boston, Massachusetts:

  • 7,523 vehicle thefts in 2009
  • Average commute time of 28.5 minutes
  • 1% of drivers are uninsured

Boston has the second fewest number of vehicle thefts per capita, after New York City, has the lowest number of uninsured drivers, but a very high average commute time. A reputation for poor drivers, worse weather, and a long commute makes Boston auto insurance a necessity. The Commonwealth of Massachusetts requires all motor vehicle owners to have minimum amounts of insurance. Basic Boston auto insurance is comprised of the following policies:

  • Bodily Injury Liability
  • Property Damage Liability
  • Personal Injury Protection
  • Uninsured Driver Coverage

The Commonwealth requires anyone driving a motor vehicle to have an insurance liability policy to the required limits, which includes bodily injury limits of $40,000 total per accident and a property damage limit of $5,000 per incident. Personal injury protection provides for $8,000 per person, per accident, and uninsured driver protection has a limit of $40,000 per accident. Proof of insurance must be presented to law enforcement officers during a traffic stop and must also be presented when registering an automobile. Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are an Boston driver, such as collision insurance or medical payment coverage, especially because you are liable for any amounts over your coverage limits.

It is important to remember to shop for low prices as well as quality service. Many auto insurance companies will adjust your premium based on the location in which your vehicle is registered. Obtaining as many valid discounts as possible is highly recommended. SmartAutoInsurance.com is dedicated to finding reliable and quality Boston automobile insurance quotes.

Principal Registry of Motor Vehicles Locations in Boston are listed here:

  • 630 Washington St., Boston 02116
  • 1 Douglas St., Boston 02127
  • 550 Arsenal St., Watertown 02472
  • 9 Everett St., Revere 02151
  • 8 Cummins Hwy., Boston 02131
  • 10 Plain St., Braintree 02184

The phone number for the RMV is (617) 351-4500.