If you own a vehicle in Rockland, you are required by Massachusetts state law to have car insurance. From fender-benders on Union Street to serious collisions on Pilgrims Highway, a reliable auto insurance policy can shield you from the large financial losses associated with collisions.
Finding the best car insurance is easy when you work with a local independent agent. These agents can provide you with a variety of customized auto insurance quotes so you can be sure you are buying a great policy at a competitive price. Find an insurance agent near you to get started.
How Much Does Car Insurance Cost in Rockland, MA?
The average cost of car insurance in Massachusetts is higher than the national rate. Shopping around for the best price has the potential to save you hundreds of dollars a year.
- National average annual car insurance cost: $1,311
- Massachusetts average annual car insurance cost: $1,460
Of course, rates can vary significantly from one driver to the next, so you should expect your actual quotes to differ from the state average. Car insurance costs are calculated individually according to several factors like the following information.
- The make, model, trim, and year of your the vehicle(s) you are insuring
- Your age, occupation, driving history, and credit score
- Information about the other licensed drivers in your household
- The estimated number of miles you drive your car per month
- The accident and auto theft rates in the vicinity of your home
- The amount of coverage you are purchasing
- The size of your deductible
- Whether you are bundling your coverage with another policy like home insurance or renters insurance
Requesting and comparing rates from a variety of insurance companies lets you be sure you getting your policy at a competitive price.
What Are the Car Insurance Requirements in Rockland?
The state of Massachusetts requires all car insurance policies to include these policies.
- Liability insurance: This is designed to cover property damage and injuries sustained by other people if you cause an accident.
- Personal injury protection (PIP) insurance: This is designed to cover the cost of treating collision-related injuries sustained by your and your family, regardless of fault.
- Uninsured motorist coverage: This is designed to cover medical bills if you are injured in an accident caused by an uninsured and underinsured driver and the cost of your treatment exceeds what your PIP can cover.
Your car insurance policy must provide, at a minimum, the following amounts of coverage.
- Liability coverage
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- Personal injury protection (PIP) insurance of at least $8,000
- Uninsured motorist coverage
- $20,000 in uninsured bodily injury per person
- $40,000 in uninsured bodily injury liability per accident
Bear in mind, the costs associated with serious accidents can easily exceed what a minimum-coverage policy can pay for. If that happens, you will be responsible for making up the difference out of pocket.
That is why many Rockland residents choose to purchase car insurance with much higher liability insurance limits than the state of Massachusetts requires. Supplementing this coverage with umbrella insurance enables you to boost your coverage even higher.
What Else Can Rockland Car Insurance Cover?
In addition to the coverage that is required by state law, car insurance companies usually give you the option of including any or all of the following coverage options in your auto insurance policy.
- Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or lost due to a non-collision event like a flood or a windstorm.
- Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Gap insurance: This bridges the gap between what you still owe for your vehicle and what it is currently worth if the vehicle is totaled in a covered event.
- Towing and roadside assistance insurance: This covers the costs of assistance if your vehicle becomes disabled while you are out on the road.
- Rental reimbursement insurance: This can cover the cost of renting a vehicle while repairs are being made to your own following a covered event.
You will want to be sure to purchase any optional policies that are a good fit for you and your family.
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What Is the Penalty for Driving without Insurance in Rockland?
In Massachusetts, driving without insurance is a civil motor vehicle infraction (CMVI) which is punishable by the following penalties.
- A fine ranging from $500 to $5,000
- The loss of your driver’s license for 60 days to one year
- A fee of $500 to be paid to the state’s assigned risk plan (MAIP)
- Up to one year in jail for repeat offenders
- Higher car insurance rates
Because of the tough penalties this state imposes, it isn't surprising that Massachusetts one of the lowest rates of uninsured drivers in the county.
- Percentage of US drivers who are uninsured: 12.6%
- Percentage of Massachusetts drivers who are uninsured: 6.2%
Uninsured motorist insurance is required in Massachusetts. This means that if you are injured in an accident with an uninsured driver and your medical costs exceed what your PIP can pay for, you can receive immediate compensation from your insurance company.
Your insurance company will then take on the time-consuming task of pursuing legal action against the uninsured driver who hit you and will absorb the losses if they are unsuccessful.
Does Rockland Car Insurance Cover against Vehicle Thefts?
The auto theft rate in Massachusetts is lower than the national rate; and the current rate in Rockland, the rate is even lower.
- National auto theft rate per 1,000 vehicles: 2.29
- Massachusetts auto theft rate per 1,000 vehicles: 0.96
- Rockland, MA auto theft rate per 1,000 vehicles: 0.22
In recent years, the auto theft rate, which was already low, has dropped significantly.
Be aware that you cannot be compensated for a stolen vehicle unless your car insurance includes comprehensive, or “other than collision,” coverage.
Comprehensive insurance covers against far more than just theft. It can also reimburse you for loss and damage to your car if it is caused by a variety of other non-collision hazards.
If you are still paying on an auto loan or if you are leasing your vehicle, chances are good that you have comprehensive coverage already. If not, you may want to look into how much it will cost to add it to your policy so you can decide if it is a good fit for you and your family.
Why Contact an Independent Insurance Agent in Rockland, MA?
If you are looking for an auto insurance policy that meets your coverage and budgetary needs, look no further than a local independent insurance agent. These agents are not tied to a single insurance company, so they can help you obtain and compare policies and rates from multiple providers.
It doesn’t cost anything to talk to an independent agent. Find an insurance agent with an office near you to learn more. You can start comparing customized car insurance quotes in no time.
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