Enter your ZIP code:

Massachusetts Auto Insurance Reform

With the highest auto insurance claim rate in the U.S., the state of Massachusetts is hard at work trying to replace its currently overregulated market with a new system in which insurance companies establish their own competitive rates based on driving records.

This effort, long overdue in the eyes of many Massachusetts drivers, would remove the state government's current rate-setting authority, allowing insurance companies to set rates instead, and usher in a competitive consumer marketplace.

These changes seem a necessity for the state with the fourth-highest auto insurance rates in the nation.

Sharing the Loss

Massachusetts currently allows drivers to purchase their car insurance from any state-licensed insurer. However, all auto insurance companies must share the losses associated with high-risk drivers, who keep state-mandated rates high. The more market share an insurer holds the more financial risk it must carry. This places an unfair burden on some of the state's largest insurers, which ultimately pass it along to Massachusetts drivers—even those with clean driving records.

A Better Way

Under a reformed system, consumers could shop around for the best coverage and prices, choosing their own auto insurers. This is a major step toward free enterprise in the Massachusetts auto insurance marketplace, and would encourage auto insurance companies to offer competitive prices; help some of the state's best drivers tailor coverage to their needs and get the low rates they deserve; and give high-risk drivers incentive to improve accident and claims rates—and take personal responsibility for their actions behind the wheel.

A reduction in insurance costs due to fraud is also a by-product of a reformed Massachusetts auto insurance system. Auto insurers, now individually responsible for these costs, would become much more careful about who they offered coverage to and how they investigated suspected fraudulent claims. Once again, the end result would be lowered costs for Massachusetts' best drivers.

Change on the Way

As the Massachusetts auto industry heads toward reduced state regulation; rates reflective of actual driving records; more consumer choices and greater consumer responsibility, consumers stand poised to enjoy these competitive marketplace benefits. Although auto insurance reform carries much change, the sentiment of most Massachusetts drivers, long forced to pay exorbitant auto insurance rates, echoes to the world, "Bring it on!"


Free Auto Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
102 Wyoming Car Insurance youcomparequotes 10914
101 Wyoming Auto Insurance youcomparequotes 10811
100 Wisconsin Car Insurance youcomparequotes 10436
99 Wisconsin Auto Insurance youcomparequotes 10519
98 West Virginia Car Insurance youcomparequotes 11437
97 West Virgina Auto Insurance youcomparequotes 10383
96 Washington, D.C. Car Insurance youcomparequotes 12037
95 Washington, D.C. Auto Insurance youcomparequotes 11066
94 Washington Car Insurance Quotes youcomparequotes 11547
93 Washington Auto Insurance Quotes youcomparequotes 11211
92 Virginia Car Insurance youcomparequotes 10878
91 Virginia Auto Insurance Quotes youcomparequotes 10891
90 Vermont Car Insurance youcomparequotes 13126
89 Vermont Auto Insurance youcomparequotes 10163
88 Utah Car Insurance youcomparequotes 10822
87 Utah Auto Insurance youcomparequotes 10626
86 Texas Car Insurance Quotes youcomparequotes 10849
85 Texas Auto Insurance Quotes youcomparequotes 10847
84 Tennessee Car Insurance youcomparequotes 10456
83 Tennessee Auto Insurance youcomparequotes 11030
82 South Dakota Car Insurance youcomparequotes 10692
81 South Dakota Auto Insurance youcomparequotes 9968
80 South Carolina Car Insurance youcomparequotes 10887
79 South Carolina Auto Insurance youcomparequotes 10764
78 Rhode Island Car Insurance youcomparequotes 10240
77 Rhode Island Auto Insurance youcomparequotes 10613
76 Pennsylvania Car Insurance Quotes youcomparequotes 10942
75 Pennsylvania Auto Insurance Quotes youcomparequotes 11443
74 Oregon Car Insurance Quotes youcomparequotes 11098
73 Oregon Auto Insurance Quotes youcomparequotes 10753
72 Oklahoma Car Insurance youcomparequotes 10801
71 Oklahoma Auto Insurance youcomparequotes 10772
70 Ohio Car Insurance Quotes youcomparequotes 10503
69 Ohio Auto Insurance Quotes youcomparequotes 10428
68 North Dakota Car Insurance youcomparequotes 10509
67 North Dakota Auto Insurance youcomparequotes 10905
66 North Carolina Car Insurance youcomparequotes 14211
65 North Carolina Auto Insurance youcomparequotes 11193
64 New York Car Insurance Quotes youcomparequotes 10427
63 New York Auto Insurance Quotes youcomparequotes 11408
62 New Mexico Car Insurance youcomparequotes 9883
61 New Mexico Auto Insurance youcomparequotes 10002
60 New Jersey Car Insurance youcomparequotes 10231
59 New Jersey Auto Insurance youcomparequotes 10370
58 New Hampshire Car Insurance youcomparequotes 11282
57 New Hampshire Auto Insurance youcomparequotes 10895
56 Nevada Car Insurance youcomparequotes 10605
55 Nevada Auto Insurance youcomparequotes 10638
54 Nebraska Car Insurance youcomparequotes 10299
53 Nebraska Auto Insurance youcomparequotes 11264
52 Montana Car Insurance youcomparequotes 10324
51 Montana Auto Insurance youcomparequotes 10466
50 Missouri Car Insurance youcomparequotes 10624
49 Missouri Auto Insurance youcomparequotes 10522
48 Mississippi Car Insurance youcomparequotes 10934
47 Mississippi Auto Insurance youcomparequotes 10841
46 Minnesota Car Insurance Quotes youcomparequotes 11070
45 Minnesota Auto Insurance Quotes and Information youcomparequotes 11175
44 Michigan Car Insurance youcomparequotes 10258
43 Michigan Auto Insurance youcomparequotes 9988
42 Massachusetts Works to Install Competitive Auto Insurance Market youcomparequotes 17297
» Massachusetts Auto Insurance Reform youcomparequotes 11075
40 Maryland Car Insurance youcomparequotes 11281
39 Maryland Auto Insurance youcomparequotes 11299
38 Maine Auto Insurance youcomparequotes 10949
37 Louisiana Car Insurance youcomparequotes 11248
36 Louisiana Auto Insurance youcomparequotes 10597
35 Kentucky Car Insurance youcomparequotes 10698
34 Kentucky Auto Insurance youcomparequotes 10415
33 Kansas Car Insurance youcomparequotes 10239
32 Kansas Auto Insurance youcomparequotes 10669
31 Iowa Car Insurance youcomparequotes 10531
30 Iowa Auto Insurance youcomparequotes 10546
29 Indiana Car Insurance youcomparequotes 10500
28 Indiana Auto Insurance youcomparequotes 10465
27 Illinois Car Insurance youcomparequotes 10482
26 Illinois Auto Insurance youcomparequotes 10128
25 Idaho Car Insurance youcomparequotes 10351
24 Idaho Auto Insurance youcomparequotes 10436
23 Hawaii Car Insurance youcomparequotes 10783
22 Hawaii Auto Insurance youcomparequotes 10870
21 Georgia Car Insurance youcomparequotes 10090
20 Georgia Auto Insurance Quotes youcomparequotes 10984
19 Florida Car Insurance Quotes youcomparequotes 12484
18 Florida Auto Insurance Quotes youcomparequotes 10425
17 Find Maine Car Insurance youcomparequotes 10392
16 Delaware Car Insurance youcomparequotes 10683
15 Delaware Auto Insurance youcomparequotes 10561
14 Connecticut Car Insurance youcomparequotes 10478
13 Connecticut Auto Insurance youcomparequotes 10305
12 Colorado Car Insurance Quotes youcomparequotes 10489
11 Colorado Auto Insurance youcomparequotes 10042
10 California Car Insurance Quotes youcomparequotes 10985
9 California Auto Insurance Quotes youcomparequotes 11127
8 Arkansas Car Insurance youcomparequotes 11342
7 Arkansas Auto Insurance youcomparequotes 10662
6 Arizona Car Insurance Quotes youcomparequotes 10616
5 Arizona Auto Insurance youcomparequotes 11051
4 Alaska Car Insurance youcomparequotes 10801
3 Alaska Auto Insurance youcomparequotes 11591
2 Alabama Car Insurance youcomparequotes 10270
1 Alabama Auto Insurance youcomparequotes 10773
XE Login