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Gardner Car Insurance

Get instant auto insurance quotes online from multiple top rated companies in Gardner and save up to $500. Find local agents in your area.


First Choice Insurance Agency
Street : 66 Main St
City : Gardner
State : MA (Massachusetts)
Zip Code : 01440
Phone : (978) 632-4747
Agency : Quincy Mutual

Heritage Insurance Agency
Street : 90 Parker St
City : Gardner
State : MA (Massachusetts)
Zip Code : 01440
Phone : (978) 632-3400
Agency : Central, Commerce, Concord, Merchants

Lashua-Lachance & Poliks Insurance
Street : 9 Green St
City : Gardner
State : MA (Massachusetts)
Zip Code : 01440
Phone : (978) 632-0205
Agency : Commerce, Encompass, Safety

The Insurance Place
Street : 20 Pearson Blvd
City : Gardner
State : MA (Massachusetts)
Zip Code : 01440
Phone : (978) 632-1098
Auto Insurance Agency : Main Street America, Travelers

Wm J Phelan Insurance Agency
Street : 48 Gardner Rd
City : Hubbardston
State : MA (Massachusetts)
Zip Code : 01452
Phone : (978) 928-5875
Agency : Quincy Mutual, Safety, Union Mutual


Massachusetts Auto Insurance Laws

Required Minimum Bodily Injury Coverage

$20,000 per person injured in any one accident and $40,000 for all persons injured in any one accident.

Required Minimum Property Damage Coverage

$5,000 for injury to or destruction of property of others in any one accident.

Personal Injury Protection (PIP)

PIP covers up to $8,000 in medical and work loss expenses, without regard to fault. The type of medical insurance you have will determine the amount of medical expense benefits paid out by PIP. PIP is a no-fault statute. Therefore, an injured person can only sue for pain and suffering if that personís medical expenses are in excess of $2,000, or if the injuries caused death, the loss of a body member, permanent/serious disfigurement, loss of sight or hearing, or a fracture.

Optional Insurance Coverage

Uninsured Motorist (UM) Coverage. In Massachusetts, UM coverage includes underinsured motorist (UIM) coverage. If purchased, it must be at least the amount of bodily injury liability coverage required.

Special Rules for Motorcyclists. Motorcycle operators and passengers are excluded from PIP coverage.


Massachusetts Car Insurance > Other Massachusetts Cities


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