At Kovalev Insurance Agency, finding the right auto insurance in Massachusetts should be simple, affordable, and personal. Whether you’re commuting through Boston traffic, driving along the coast, or running errands in the suburbs, we’re here to ensure you and your vehicle are protected with the right coverage at the right price.
As a local Massachusetts insurance agency in Newton, with more than two decades of experience, we help you navigate the world of car insurance with advice you can trust, service you can count on, and rates you’ll feel good about.
If you own a car in Massachusetts, carrying auto insurance isn’t just smart—it’s the law. Our state requires drivers to carry minimum coverage for bodily injury, property damage, personal injury protection, and uninsured motorists. But having the bare minimum isn’t always enough to protect you from life’s unexpected moments.
At Kovalev Insurance Agency, we work closely with you to make sure you’re not just meeting state requirements—you’re truly covered when you need it most. From minor fender-benders to major accidents, we help you stay protected and prepared.
Everyone’s driving needs are a little different—that’s why we offer a range of car insurance options, all tailored to fit you:
Not sure what coverage makes the most sense for your lifestyle? Don’t worry—we’re happy to walk you through your options and build a policy that fits your budget and your life.
If you own or operate a vehicle in Massachusetts, you need auto insurance—it’s as simple as that. Our state has strict insurance requirements to make sure every driver is financially responsible if something goes wrong on the road.
Here’s who must carry Massachusetts auto insurance:
Car Owners – Whether it’s your daily commuter, a second car, or a family SUV, every registered vehicle needs insurance before it hits the road.
Leased or Financed Vehicle Drivers – If your car is leased or financed, your lender will often require additional coverage like collision and comprehensive insurance.
Young Drivers – New drivers, including teens with a learner’s permit or newly licensed drivers, must also be covered—either on their own policy or on a parent or guardian’s policy.
Seasonal Drivers – Even if you only drive during part of the year (like summer weekends on the Cape), your vehicle needs to be insured when it's registered and active.
Motorcycle Owners – If you own a motorcycle, you need motorcycle insurance that meets state minimums, just like a regular car.
Business Vehicle Owners – If you use your vehicle for business—whether it's delivering goods, providing a service, or commuting for work—you may need specialized coverage beyond a standard personal policy.
At Kovalev Insurance, we know every dollar counts. That’s why we look for every opportunity to save you money:
Let us help you unlock the best discounts and get the most value for your coverage.
At Kovalev Insurance Agency, we know that not every vehicle—and not every driver—fits the "standard" mold. That’s why we offer a variety of specialty auto insurance options designed to protect the vehicles (and adventures) that make life a little more exciting.
If you own a unique set of wheels or use your vehicle differently, we’ll help you find the right coverage to match. Here are just a few specialty options we can assist with:
Own a vintage beauty or collector car? Standard auto insurance won’t fully cover the true value of your prized possession. We offer policies that protect classic cars based on their appraised value—not just their age or mileage.
Whether you’re cruising through the city or taking weekend rides into the Berkshires, we offer specialized motorcycle insurance that includes liability, collision, comprehensive, and custom equipment coverage.
Using your vehicle for business? Personal auto insurance may not cover accidents that happen while working. Our commercial auto policies protect small business owners, contractors, delivery drivers, and more.
Hitting the open road with an RV or camper? We can help insure your home-on-wheels, offering protection for both your vehicle and your belongings inside.
Own a luxury, sports, or exotic vehicle? These cars deserve specialized coverage that reflects their higher value and unique repair needs.
If you drive for Uber, Lyft, or another rideshare company, you’ll need additional protection beyond personal auto insurance. We can help bridge the gaps between your personal policy and your rideshare company's coverage.
Massachusetts drivers are required to carry bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage.
Costs can vary based on your driving history, location, vehicle type, and coverage selections. We’ll help you find affordable options customized for you.
No—driving without insurance in MA is illegal and can result in fines, license suspension, and other penalties. Stay protected and stay legal.
Maintaining a clean driving record, bundling policies, and taking advantage of discounts can all help lower your premium. We’ll help you find every way to save.
While the state minimums are a starting point, they often aren’t enough to fully protect you after an accident. Many drivers choose higher coverage limits, collision, and comprehensive insurance for better protection and peace of mind.
Several things can impact your premium, including your driving record, age, type of vehicle, where you live, how often you drive, and even your credit history. We’ll help you understand your options and find ways to save.
Yes! Bundling your car insurance with home, renters, or condo insurance is one of the easiest ways to save. At Kovalev Insurance Agency, we offer multi-policy discounts to help you get better coverage for less.
Choosing the right car insurance isn’t just about finding the lowest price—it’s about finding a team that cares. Here’s why drivers across Massachusetts trust Kovalev Insurance Agency:
Local Expertise – We know Massachusetts insurance inside and out—and we know our communities, too.
Real People, Real Service – When you call us, you’re talking to a real agent who’s ready to help—not a robot.
Top Insurance Carriers – We shop multiple trusted providers to find you the best rates and coverage.
Affordable Options – We’ll help you uncover every discount and save you as much as possible.
Trusted by Your Neighbors – Our reputation is built on word of mouth—and we’re proud of the relationships we’ve built over the years.
If you're behind the wheel in Massachusetts, insurance isn’t optional. It’s your safety net—and it's there to protect you, your passengers, and everyone else on the road.
At Kovalev Insurance Agency, we make it easy to get the coverage you need without the confusion. Whether you’re a first-time driver, a busy family, or someone looking for a better deal, we’ll help you find the perfect auto insurance for your situation.
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