How You Can Help

Ask your legislator to reduce our highest-in-the-nation accident rate

Massachusetts has the dubious distinction of having the highest accident rate in the country by far – 40% higher than the state with the second-highest rate, Rhode Island. Even improving our worst-in-the-nation accident rate to second worst would drop our premiums by nearly 20%, or about $200 on average per car per year, producing over $800 million in statewide savings each year.

Overview

Automobile insurance is a significant, legally mandated household expense, without which consumers place their financial security and livelihood at risk. While rates have been declining the average premium is $900 a year.

The main factor driving the increase on insurance premiums is the fact that Massachusetts drivers have the highest accident rate in the nation. The most effective way to reduce Massachusetts automobile insurance premiums is to focus on reducing the underlying costs of our auto insurance system, most importantly, the state's high rate of accidents.

We must identify and adopt a comprehensive plan to reduce the state's underlying costs, including our highest-in-the-nation accident rate. The reforms to reduce the state's costs and accident rate must involve state and local government, the insurance industry, police, drivers and insurance regulators.