Verified August 13, 2026
Primary source: Mass. G.L. c. 175, § 113O. We link the statute, not an aggregator's summary of it.
Massachusetts shows up on "zero deductible state" lists constantly, and it doesn't belong there. What Massachusetts law actually provides is a floor: insurers must offer a glass deductible option of $100. If you took it, you pay $100 on a glass claim instead of your full comprehensive deductible. Nothing in Massachusetts law requires a $0 option to exist.
The difference between a $100 and a $500 deductible flips a lot of decisions. A $480 windshield with a $500 deductible is a cash job; the same windshield with the $100 glass option is a $380 insurance win, before any rate considerations. So the first question for a Massachusetts driver isn't "should I file," it's "which deductible do I actually have for glass?" It's on your coverage selections page as a separate glass line.
With the $100 option: filing usually wins on jobs over a few hundred dollars, subject to the rate questions our calculator walks through. Without it: standard math, deductible against job cost. Either way, Massachusetts premiums are high enough that a lost claims-free discount can outweigh the claim itself, which is exactly the trap the calculator quantifies before you file.
The calculator applies the Massachusetts rule automatically from your ZIP code, prices your specific car, and shows the arithmetic for both paths.
Should I claim it? Find out →