The Massachusetts Division of Insurance sets the Automobile Insurance Rates for the state. In 2006, Massachusetts Average premium was $1,040.00. The 6th most expensive in the Nation. Massachusetts Division of Insurance is strictly regulated.

Massachusetts is a No-Fault State. Which means, regardless of fault, the insurance company makes the payments for any injuries you received in any automobile accident.

Massachusetts automobile insurance laws-minimum requirements: a registered vehicle in Massachusetts. Registered vehicle owners have to purchase the minimum amount of Liability insurance required by Massachusetts Law.

Minimum amount of automobile liability insurance that must be covered in the state of Massachusetts:

1. Bodily Injury coverage-$20,000.00 per person, injured in any one accident.
2. Bodily Injury coverage-$40,000.00 for all persons injured in any one accident.
3. Property Damage-$5,000.00; and
4. PIP-personal injury protection. Covers up to $8,000.00 in medical and work loss without regard to fault.

Massachusetts automobile insurance companies, highly recommend, parents of new inexperienced teen drivers, to purchase higher insurance coverage. In addition to the minimum Insurance coverage required by law.

Vehicle owners should shop around and get automobile insurance quotes. It is a competitive market and a vehicle owner can save some money by comparison shopping. Having a good driving record can save car owners even more.

People who have never in lived in Massachusetts, are generally shocked, when they first drive on Massachusetts roads and highways. Roads, exits, highways and rotaries can be confusing. A really good test of a Massachusetts driver's skill, is the highway signs. The driver is north on interstate 95, but still going north on route 128??? Is the driver going to Rhode Island or North of Boston???? Massachusetts has recently updated most of their highway and road signs. Making it driver friendly and less confusing.

Driving here in Massachusetts, is a daily challenge. Seasoned Massachusetts drivers will tell you that they are the best drivers in the nation. Try explaining that to a driver new to this area. The new driver will tell you that Massachusetts drivers are crazy, forgetful turn signal users and just plain rude. Given time, the new driver to Massachusetts will eventually become the seasoned Massachusetts driver. Learning the roads and highways with ease.