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Why Compare Car Insurance Rates in Massachusetts:

  • On average, people who compare rates save about $970 a year on car insurance
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Drivers searching for the best auto insurance in Massachusetts will need to consider individual factors such as their age, credit background, and location. Always compare car insurance quotes in Massachusetts from various car insurance companies to find the best car insurance quotes and the required coverage. We at Way.com have found for you a possible $1625 savings when going through various car insurance quotes in MA. We were able to find cheap car insurance in MA from the best car insurance companies in Massachusetts.

The average car insurance cost in Massachusetts is always on the higher side. Way.com has investigated and ranked the best auto insurance in MA based on its annual average rates. This will help you find cheap car insurance in Massachusetts which is also reliable. The final car insurance cost in Massachusetts is affected by various individualized factors. Therefore, it is best to compare quotes and policies from many companies to get cheap auto insurance in MA.

Getting various auto insurance quotes in Massachusetts is essential if you are searching for cheap car insurance in Massachusetts. Always remember the cheapest insurance in MA does not equal to best car insurance in Massachusetts.


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Minimum Required Auto Insurance Coverage in Massachusetts

Massachusetts law enforcement will impose a penalty ranging between $500 and $5000 for driving without sufficient insurance. The minimum auto insurance provisions in Massachusetts require car owners to be insured for liability insurance covering: a minimum of $20000 for a person's body damage or death.

A minimum of $40000 for more than one person's bodily injury or death and property loss, at least $5000. Every car owner is supposed to carry uninsured motorist coverage and personal injury insurance.

Required Coverage Required Minimum Limit
Bodily Injury to Others $20000 per person; $40000 per accident
Personal Injury Protection $8000 per person, per accident
Bodily Injury Caused by an Uninsured Auto $20,000 per person; $40,000 per accident
Damage to Someone Else's Property $5,000 per accident

Cheapest Car Insurance in Massachusetts for Minimum Required Coverage

To locate the cheapest car insurance in Massachusetts, we looked at the most popular companies that provide low rates and discounts. Fortunately for Massachusetts, the largest providers in terms of market share can also offer the most affordable premiums.

If you're looking for the lowest car insurance in Massachusetts, you might want to look into one of the following companies:

COMPANY AVERAGE ANNUAL RATE
State Farm $558
The General $881
USAA $905
Safety Insurance $945
Statewide Average $1,181
Arbella Mutual Insurance $1,206
Plymouth Rock Assurance $1,223
Metropolitan P&C $1,312
Allstate $1,433
Progressive $1,564
Hanover $1,753
Travelers $1,784

Do I Need More Than the Minimum Required State Coverage in Massachusetts?

At the absolute least, you must purchase the state's minimum auto insurance requirements. On the other hand, state minimums are severely inadequate and will not cover your own car's repair costs. You'll need to acquire more than the minimum requirements if you want better coverage.

There are various types of coverage to choose from. You can put up a solid policy that matches your individual insurance needs if you have a basic understanding of the various forms of car insurance.

See what you could save on auto insurance

Average Cost of Auto Insurance Companies in Massachusetts

In Massachusetts, the average cost of auto insurance with maximum coverage is $1233 annually, and the minimum coverage is $408. The national average is $1749 annually for full coverage, which is considered to be more affordable in the region.

However, anyone who has ever bought auto insurance will realize that personal information will make a massive difference in your car insurance premium. You have to receive a quote to get a better idea.

To get yourself the best auto insurance in MA we have assembled a list of expert assessments and results of the best car insurance companies in Massachusetts.

Cheapest car insurance quotes for Massachusetts drivers

State Farm offers great discounts to good drivers, with average rates 52 percent lower than the state average and well below $1000 per year. Travelers' rates are 53% higher than the state average, making them the most expensive for Massachusetts drivers with a clean driving record.

COMPANY AVERAGE ANNUAL RATE
State Farm $632
USAA $990
Geico $998
Safety Insurance $1,048
Statewide Average $1,304
Plymouth Rock Assurance $1,333
Arbella Mutual Insurance $1,362
Metropolitan P&C $1,388
Allstate $1,593
Progressive $1,708
Travelers $1,989

Cheap car insurance in Massachusetts for young Massachusetts drivers

Young drivers with clean driving records in Massachusetts might look into the following options, which had the lowest average rates:

COMPANY 18-YEAR-OLD FEMALES 18-YEAR-OLD MALES
Allstate $6,294 $6,294
Arbella Mutual Insurance $5,419 $5,419
Geico $3,220 $3,220
Metropolitan P&C $4,959 $4,959
Plymouth Rock Assurance $3,737 $3,737
Progressive $7,185 $7,185
Safety Insurance $5,664 $5,664
State Farm $2,043 $2,043
Travelers $4,234 $4,234
USAA $2,498 $2,498
Statewide Average $4,525 $4,525

Cheap car insurance for Massachusetts drivers with a speeding ticket

State Farm had the lowest rates in our survey, with rates that are 56% cheaper than the state average. For drivers with a driving ticket on their record, travelers insurance continues to have some of the highest rates in our survey, at 60% higher than the state average.

COMPANY AVERAGE ANNUAL RATE
State Farm $787
MetLife $1,052
Geico $1,110
USAA $1,148
Amica Mutual $1,281
Arbella Mutual Insurance $1,490
Allstate $1,593
Statewide Average $1,626
Safety Insurance $1,680
Metropolitan P&C $1,739
Plymouth Rock Assurance $1,952
Travelers $3,125

Cheap auto insurance for Massachusetts drivers after a car accident

Drivers who choose State Farm may be able to get rates that are 53% lower than the state average for this population even after an accident. Hanover's premiums are 215% higher than State Farm's and 48 percent higher than the state average so that drivers won't see the same savings.

COMPANY AVERAGE ANNUAL RATE
State Farm $978
USAA $1,387
Geico $1,480
MetLife $1,568
Amica Mutual $1,667
Arbella Mutual Insurance $1,795
Plymouth Rock Assurance $1,996
Statewide Average $2,072
Safety Insurance $2,092
Allstate $2,582
Progressive $2,657
Metropolitan P&C $2,692
Travelers $3,048
Hanover $6,183

Cheap car insurance quotes for Massachusetts drivers with a DUI

State Farm's premiums for Massachusetts DUI drivers are 51% lower than the state average and the lowest in our survey for this population. Allstate has the highest rates, which are 33 percent higher than the state average.

COMPANY AVERAGE ANNUAL RATE
State Farm $1,178
MerLife $1,690
Geico $1,694
Progressive $2,003
Plymouth Rock Assurance $2,067
Amica Mutual $2,174
USAA $2,363
Statewide Average $2,400
Hanover $2,573
Arbella Mutual Insurance $2,643
Metropolitan P&C $2,920
Safety Insurance $2,929
Travelers $3,019
Allstate $3,186

Cheap car insurance for married Massachusetts drivers

We found that these companies offer the lowest average prices for married customers:

Car insurance company Annual rates
Progressive $1695
Safety Insurance $1065
Travelers $1371

Compare car insurance rates in top Cities

Your car is one of the most crucial aspects of your auto insurance quote where you live and park. Full coverage car insurance premiums in Massachusetts can rise to $2541 per year, depending on where you live in the state.

Drivers in more densely populated locations like Boston pay higher-than-average insurance premiums. However, drivers in more expensive areas might still save money by shopping.

CityAnnual Rate
Abington$2,465
Accord$2,369
Acton$1,853
Acushnet$2,309
Acushnet Center$2,453
Adams$1,745
Agawam$2,321
Allston$2,741
Amesbury Town$2,177
Amherst$2,117
Amherst Center$2,357
Andover$2,009
Arlington$2,177
Arlington Heights$2,369
Ashburnham$1,877
Ashby$1,901
Ashfield$1,781
Ashland$2,249
Ashley Falls$2,141
Assonet$2,369
Athol$1,925
Attleboro$2,153
Attleboro Falls$2,273
Auburn$2,225
Auburndale$2,441
Avon$2,789
Ayer$1,949
Babson Park$2,369
Baldwinville$2,069
Barnstable$2,129
Barre$1,961
Becket$1,925
Bedford$2,009
Belchertown$1,985
Bellingham$2,033
Belmont$2,093
Berkley$2,285
Berkshire$2,081
Berlin$1,865
Bernardston$1,733
Beverly$2,153
Billerica$2,129
Blackstone$2,093
Blandford$1,997
Bliss Corner$2,453
Bolton$1,913
Bondsville$2,297
Boston$2,789
Bourne$2,081
Boxborough$1,853
Boxford$2,057
Boylston$2,057
Braintree Town$2,741
Brant Rock$2,417
Brewster$1,733
Bridgewater$2,297
Brighton$2,705
Brimfield$1,997
Brockton$3,665
Brookfield$1,985
Brookline$2,429
Brookline Village$2,465
Bryantville$2,429
Buckland$1,769
Burlington$2,201
Buzzards Bay$2,357
Byfield$2,129
Cambridge$2,429
Canton$2,525
Carlisle$1,865
Carver$2,285
Cataumet$2,309
Centerville$2,321
Charlemont$1,781
Charlestown$3,221
Charlton$2,105
Charlton City$2,381
Charlton Depot$2,381
Chartley$2,417
Chatham$1,685
Chelmsford$1,949
Chelsea$3,653
Cherry Valley$2,573
Cheshire$1,769
Chester$1,877
Chesterfield$1,793
Chestnut Hill$2,561
Chicopee$2,441
Chilmark$1,853
Clinton$2,153
Cochituate$2,249
Cohasset$2,225
Colrain$1,877
Concord$1,805
Conway$1,805
Cordaville$2,153
Cotuit$2,321
Cummaquid$2,321
Cummington$1,769
Cuttyhunk$2,213
Dalton$1,817
Danvers$2,189
Dedham$2,513
Deerfield$1,757
Dennis$1,937
Dennis Port$2,165
Devens$2,165
Dighton$2,189
Dorchester$3,977
Dorchester Center$3,725
Douglas$1,973
Dover$2,081
Dracut$2,201
Drury$2,117
Dudley$2,057
Dunstable$1,853
Duxbury$2,105
East Boston$3,221
East Bridgewater$2,345
East Brookfield$1,985
East Dennis$2,153
East Douglas$2,213
East Falmouth$2,249
East Freetown$2,441
East Harwich$2,093
East Longmeadow$2,273
East Orleans$2,021
East Otis$2,153
East Pepperell$2,057
East Princeton$2,309
East Sandwich$2,213
East Taunton$2,597
East Templeton$2,273
East Walpole$2,441
East Wareham$2,513
East Weymouth$2,633
Eastham$1,721
Easthampton$1,925
Easthampton Town$2,225
Edgartown$1,841
Elmwood$2,525
Erving$1,733
Essex$2,009
Everett$3,413
Fairhaven$2,285
Fall River$2,825
Falmouth$2,045
Fayville$2,153
Feeding Hills$2,669
Fiskdale$2,153
Fitchburg$2,237
Florence$2,213
Forestdale$2,213
Foxboro$2,249
Foxborough$2,105
Framingham$2,381
Franklin$1,877
Franklin Town$2,141
Gardner$1,961
Georgetown$1,973
Gilbertville$2,117
Gill$1,709
Glendale$2,069
Gloucester$2,105
Goshen$1,805
Grafton$2,057
Granby$2,081
Granville$1,973
Great Barrington$1,817
Green Harbor$2,429
Green Harbor-Cedar Crest$2,441
Greenbush$2,429
Greenfield Town$2,069
Groton$1,805
Groveland$1,997
Hadley$1,865
Halifax$2,225
Hampden$2,201
Hanover$2,201
Hanscom AFB$2,249
Hanson$2,213
Harvard$1,829
Harwich Center$2,093
Harwich Port$2,093
Hatfield$1,805
Hathorne$2,285
Haverhill$2,357
Haydenville$2,153
Heath$1,889
Hingham$2,165
Hinsdale$1,877
Holbrook$2,765
Holden$2,093
Holland$1,925
Holliston$2,057
Holyoke$2,657
Hopedale$2,033
Hopkinton$1,913
Housatonic$2,105
Hubbardston$1,913
Hudson$1,985
Hull$2,465
Humarock$2,489
Huntington$1,973
Hyannis$2,321
Hyannis Port$2,129
Hyde Park$3,437
Indian Orchard$2,885
Ipswich$1,985
Jamaica Plain$3,065
Jefferson$2,249
Kingston$2,153
Lake Pleasant$2,069
Lakeville$2,141
Lancaster$1,985
Lanesboro$2,093
Lawrence$2,861
Lee$1,793
Leeds$2,213
Leicester$2,357
Lenox$1,805
Lenox Dale$2,117
Leominster$2,093
Leverett$1,853
Lexington$2,033
Lincoln$1,985
Linwood$2,513
Littleton$1,805
Littleton Common$2,081
Longmeadow$2,177
Lowell$2,453
Ludlow$2,285
Lunenburg$1,913
Lynn$3,281
Lynnfield$2,369
Malden$3,257
Manchaug$2,501
Manchester$1,913
Manchester By The Sea$2,213
Manomet$2,405
Mansfield$2,069
Mansfield Center$2,273
Marblehead$2,189
Marion$2,009
Marion Center$2,237
Marlborough$2,129
Marshfield$2,321
Marshfield Hills$2,441
Marstons Mills$2,321
Mashpee$2,153
Mashpee Neck$2,357
Mattapan$3,545
Mattapoisett$2,009
Mattapoisett Center$2,237
Maynard$1,817
Medfield$1,937
Medford$2,729
Medway$1,937
Melrose$2,405
Mendon$1,901
Menemsha$2,165
Merrimac$1,997
Methuen Town$2,513
Middleboro$2,393
Middleborough Center$2,393
Middlefield$1,877
Middleton$2,261
Milford$2,141
Mill River$2,129
Millbury$2,177
Millers Falls$2,057
Millis$1,937
Millis-Clicquot$2,165
Millville$1,961
Milton$2,717
Milton Village$2,765
Minot$2,429
Monponsett$2,369
Monroe Bridge$2,141
Monson$2,021
Monson Center$2,237
Montague$1,769
Monterey$1,793
Monument Beach$2,309
Nahant$2,549
Nantucket$1,721
Natick$2,081
Needham$2,069
Needham Heights$2,297
New Bedford$2,789
New Braintree$1,841
New Salem$1,805
New Seabury$2,357
New Town$2,441
Newbury$1,865
Newburyport$1,829
Newton$2,321
Newton Center$2,441
Newton Highlands$2,441
Newton Lower Falls$2,441
Newton Upper Falls$2,441
Newtonville$2,441
Nonantum$2,441
Norfolk$1,949
North Adams$1,865
North Amherst$2,357
North Andover$2,141
North Attleboro$2,237
North Billerica$2,261
North Brookfield$1,949
North Carver$2,945
North Chatham$2,021
North Chelmsford$2,429
North Dartmouth$2,597
North Dighton$2,369
North Eastham$2,045
North Easton$2,537
North Egremont$2,153
North Falmouth$2,249
North Grafton$2,489
North Hatfield$2,177
North Lakeville$2,321
North Marshfield$2,405
North Oxford$2,297
North Pembroke$2,429
North Plymouth$2,417
North Reading$2,153
North Scituate$2,429
North Seekonk$2,369
North Truro$2,105
North Uxbridge$2,345
North Waltham$2,357
North Westport$2,333
North Weymouth$2,633
Northampton$1,961
Northborough$1,913
Northbridge$2,021
Northfield$1,721
Northwest Harwich$2,093
Norton$2,201
Norton Center$2,357
Norwell$2,165
Norwood$2,357
Nutting Lake$2,345
Oak Bluffs$1,841
Oakham$1,949
Ocean Bluff$2,441
Ocean Bluff-Brant Rock$2,441
Ocean Grove$2,345
Onset$2,513
Orange$1,913
Orleans$1,697
Osterville$2,321
Otis$1,853
Oxford$2,117
Palmer$2,069
Paxton$2,177
Peabody$2,513
Pembroke$2,285
Pepperell$1,793
Petersham$1,793
Pinehurst$2,309
Pittsfield$1,961
Plainfield$1,829
Plainville$2,105
Plymouth$2,285
Plympton$2,261
Pocasset$2,309
Prides Crossing$2,285
Princeton$1,829
Provincetown$1,793
Quincy$2,777
Randolph$3,197
Raynham$2,309
Raynham Center$2,441
Reading$2,069
Readville$3,269
Rehoboth$2,141
Revere$3,653
Richmond$1,805
Rochdale$2,477
Rochester$2,045
Rockland$2,465
Rockport$1,985
Roslindale$3,269
Rowe$1,721
Rowley$1,997
Roxbury$4,217
Roxbury Crossing$3,785
Royalston$1,853
Russell$2,033
Rutland$2,093
Sagamore$2,309
Sagamore Beach$2,285
Salem$2,693
Salisbury$2,033
Sandisfield$1,841
Sandwich$1,973
Saugus$2,837
Savoy$1,745
Scituate$2,297
Seekonk$2,165
Sharon$2,381
Sheffield$1,841
Shelburne Falls$2,081
Sheldonville$2,273
Sherborn$1,997
Shirley$1,901
Shrewsbury$2,189
Shutesbury$1,961
Siasconset$2,045
Silver Beach$2,225
Smith Mills$2,453
Somerset$2,237
Somerville$2,633
South Amherst$2,357
South Ashburnham$2,117
South Barre$2,381
South Boston$2,909
South Carver$2,405
South Chatham$2,045
South Dartmouth$2,453
South Deerfield$2,045
South Dennis$2,165
South Duxbury$2,273
South Easton$2,525
South Egremont$2,093
South Grafton$2,201
South Hadley$2,117
South Hamilton$2,345
South Harwich$2,237
South Lancaster$2,225
South Lee$2,105
South Orleans$2,189
South Walpole$2,393
South Wellfleet$2,201
South Weymouth$2,633
South Yarmouth$2,273
Southampton$1,961
Southborough$1,913
Southbridge$2,213
Southbridge Town$2,273
Southfield$2,093
Southwick$2,105
Spencer$2,213
Springfield$3,041
Sterling$1,829
Still River$2,129
Stockbridge$1,817
Stoneham$2,453
Stoughton$2,801
Stow$1,817
Sturbridge$1,901
Sudbury$1,841
Sunderland$1,937
Sutton$1,901
Swampscott$2,525
Swansea$2,141
Taunton$2,513
Teaticket$2,249
Templeton$1,793
Tewksbury$2,153
Thorndike$2,477
Three Rivers$2,297
Topsfield$2,153
Townsend$1,817
Truro$1,769
Turners Falls$2,057
Tyngsboro$2,453
Upton$1,853
Uxbridge$1,877
Village Of Nagog Woods$2,081
Vineyard Haven$2,141
Waban$2,441
Wakefield$2,321
Wales$1,973
Walpole$2,237
Waltham$2,285
Ware$1,973
Wareham$2,381
Wareham Center$2,513
Warren$1,973
Warwick$1,757
Watertown Town$2,513
Waverley$2,381
Wayland$2,057
Webster$2,261
Wellesley$1,997
Wellesley Hills$2,249
Wellfleet$1,781
Wendell$1,781
Wendell Depot$2,093
Wenham$1,997
West Barnstable$2,321
West Boxford$2,237
West Boylston$2,009
West Bridgewater$2,501
West Brookfield$1,805
West Chatham$2,021
West Chesterfield$2,153
West Chop$2,141
West Concord$2,105
West Dennis$2,165
West Falmouth$2,249
West Groton$2,165
West Harwich$2,141
West Hatfield$2,189
West Hyannisport$2,177
West Medford$2,585
West Millbury$2,489
West Newbury$1,841
West Newton$2,477
West Roxbury$2,753
West Springfield Town$2,513
West Stockbridge$1,841
West Tisbury$1,841
West Townsend$2,081
West Wareham$2,513
West Warren$2,201
West Yarmouth$2,273
Westborough$2,021
Westfield$2,069
Westford$1,829
Westminster$1,913
Weston$2,081
Westport$2,153
Westport Point$2,333
Westwood$2,189
Weweantic$2,513
Weymouth$2,537
Whately$1,757
Wheelwright$2,309
White Horse Beach$2,393
White Island Shores$2,513
Whitinsville$2,213
Whitman$2,441
Wilbraham$2,189
Williamsburg$1,817
Williamstown$1,745
Wilmington$2,153
Winchendon$1,949
Winchendon Springs$2,321
Winchester$2,117
Windsor$1,829
Winthrop Town$3,161
Woburn$2,381
Woods Hole$2,249
Woodville$2,309
Worcester$2,813
Woronoco$2,477
Worthington$1,877
Wrentham$2,009
Yarmouth Port$2,273

Massachusetts auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
One Med/PIP claim $1,428 1% $1
None $1,428 1% $1
Two Med/PIP claims $1,464 4% $36
One comp claim $1,464 4% $46
Not-at-fault accident $1,465 4% $47
Two comp claims $1,518 7% $100
Driving without lights $1,612 14% $194
Child safety restraint $1,612 14% $194
Failure to wear a seat belt $1,629 15% $211
At-fault accident - less than $1000 $1,698 20% $281
Cell phone violation $1,798 27% $380
Texting while driving $1,798 27% $380
Speeding 6 - 10 MPH over limit $1,805 28% $387
Speeding 11 - 15 MPH over limit $1,806 28% $388
Speeding 16 - 20 MPH over limit $1,806 28% $388
Driving too slowly $1,806 28% $389
Speeding in school zone $1,806 28% $389
Failure to yield $1,817 28% $400
Failure to stop at a red light $1,817 28% $400
Wrong way/wrong lane $1,817 28% $400
Following too closely $1,817 28% $400
Illegal turn $1,818 29% $401
Improper passing $1,818 29% $401
Speeding 21 - 25 MPH over limit $1,820 29% $402
In 65 MPH zone $1,820 29% $402
Operating a vehicle without permission $1,836 29% $418
Passing school bus $1,894 33% $476
At-fault accident - $1000-$2000 $2,303 30% $886
At-fault accident - greater than $2000 $2,374 68% $956
Failure to show documents $2,385 69% $967
Driving with expired registration $2,406 70% $988
Open container $2,496 76% $1,078
Reckless driving $2,681 89% $1,263
Refusal to submit to a chemical test $2,708 91% $1,290
Racing $2,811 99% $1,393
DUI $2,826 100% $1,408
Driving with a suspended license $2,849 101% $1,432
Leaving scene of an accident/hit and run $2,854 102% $1,436

Car insurance price trends in Massachusetts

Year Avg. Annual Premium — Massachusetts Yearly Change — Massachusetts Avg. Annual Premium — US Yearly Change — US
2021 $1,356 $53 $1,539 $56
2020 $1,323 -$55 $1,493 -$51
2019 $1,378 $451 $1,554 $33
2018 $1,337 -$479 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$333 $1,378 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

See what you could save on auto insurance

How to find the best car insurance in Massachusetts

What is best for your friend will not be the best car insurance for you. Each car insurance provider has a state, ZIP code, policy coverage choices, discounts, and add-ons. Along with the circumstances and desires, all auto insurance providers have specific pricing options. The top-ranking car insurance firms are also worth visiting.

Assess your needs: Car insurance providers consider several rating factors such as your age, your gender, your marital status, the number of young drivers, your crash history, and your credit. Consider your needs so that you can make a better decision when buying the best auto insurance in Massachusetts. For example, whether you have a house or boat, that insurance and car insurance can be bundled.

Take state factors into account: Because only 6.2% of Massachusetts drivers have no assurance, you can be tempted to get the Massachusetts minimum car insurance requirement given the cheaper rate. However, full coverage is still the best way to prevent unforeseen costs of unforeseen car accidents or car damages.

'Car insurance near me'or 'insurance agent'is erroneously considered two of the easiest ways to get cheap car insurance quotes. Unfortunately, it is wrong. You can use Way.com for getting cheap auto insurance in MA. When you use Way.com you are guaranteed to get the best car insurance quotes in MA based on your profile.

Reasons Why Auto Insurance Costs More in Massachusetts

In Massachusetts, the cost of car insurance is continuously rising.

As the cost of providing insurance rises, so do the premiums charged by insurers, and the rising cost of insurance affects all insured drivers. Regardless of whether any individual factors—like your driving record or location—have changed, your premiums tend to go up every time your policy is renewed.

Top reasons why car insurance in Massachusetts is expensive

  • In Massachusetts, people are driving more - As a result, the number of accidents, claims, and settlements are rising.
  • The cost of auto repairs in Massachusetts is increasing - Another factor for the rising cost of Massachusetts car insurance is that cars are becoming more expensive to fix. Due to all of the technology and amenities in today's cars, they are more expensive to fix.
  • Uninsured motorists are common in Massachusetts - More drivers are taking the risk of driving without car insurance as auto insurance costs continue to grow. Uninsured drivers' costs are passed on to consumers through increased rates.
  • The cost of healthcare in Massachusetts is increasing - When it comes to paying out claims involving medical expenditures, car insurance companies are struck the hardest, and it's not getting any cheaper. Every year, healthcare spending in Massachusetts rises by 5.7 percent on average.
  • The weather in Massachusetts is becoming harsher - Severe weather events such as winter storms, severe storms, and flooding are becoming more common in Massachusetts. Insurers pay out a higher number of claims due to these weather occurrences, which are more expensive and unpredictable. As a result, they must boost interest rates to stay up.

Things to Know About Car Insurance When Moving to Massachusetts

You must purchase the auto coverages and limits listed in the 'Minimum Required Auto Insurance Coverage in Massachusetts' section to register and drive your car in Massachusetts. All licensed drivers living in your household related to you by blood, marriage, or adoption, including drivers who are already insured by their insurance policies, must be listed on your car insurance policy.

You should also include any people who drive your car regularly.

Although the insurance only needs you to include "customary" operators, insurers frequently interpret this term widely, and some even demand you to list everyone who may use your car.

Drivers who have their auto insurance policies can usually be classified as "deferred operators" on your policy at no additional cost. However, under Managed Competition, not all car insurance companies will enable you to defer a driver who has their coverage. Some will charge you a higher premium for doing so.

Any household member who does not drive your automobile can normally be "excluded," but you must submit an "exclusion form" to your insurance carrier to do so. Learner's permit holders are not obliged to be listed on your insurance until they are fully licensed.

Even though you were driving at the time of the accident, your insurance company may refuse to pay your claim if you fail to mention any "customary" operator or licensed household member.

How to Get Discounts on Car Insurance in Massachusetts

You can reduce the cost of your auto insurance in several ways. Car insurance companies may give specific discounts, account credits or take into account a range of preference rating variables that you may or may not be eligible for, all of which can help you save money on your auto insurance.

Simply qualifying for a discount under "managed competition" does not suggest that it is the best option for you. There are times when you can save more money or get better coverage by switching to a provider that doesn't offer the same discount structure.

We at Way.com can assist you in evaluating a wide range of possibilities so that you may make well-informed judgments. For further information on any of these discounts, don't hesitate to contact us.

The following are some of the discount and rating elements that carriers consider:

Discount on both the car and the house

When your auto and house (home, condo, or renters) policies are with the same insurance company, you can frequently save up to 20% on your auto insurance. Most companies give you a discount on your home insurance so that you can save a lot of money.

Multiple vehicles car insurance discounts

If you and your spouse/partner insure two or more cars and meet certain qualifications, you may be eligible for multiple vehicles car insurance discounts.

Member of AAA or another motor club

You may be eligible for a discount if you belong to a qualifying motor club, such as AAA, Cross-Country, GM Motor Club, Onstar, and others. If you are a member of these organizations, please let your car insurance company know.

Anti-theft gadget

Many new cars come with anti-theft systems installed by the manufacturer, and you can add more if you choose. Depending on what you have installed, you may be eligible for a 5% to 35% anti-theft device reduction on comprehensive coverage.

Review the Anti-Theft Device Discount Verification for information on specific anti-theft devices and available discounts, and speak with a Murphy Insurance agent to ensure we're aware of any anti-theft devices installed in your cars.

Discount for passive constraint

If your car has airbags or automatic seat belts, you'll get a 25% reduction on some Personal Injury, Bodily Injury, and Medical coverage.

Discount for low mileage

If you drive your car less than 5,000 miles per year, you may be eligible for a low mileage discount. Some carriers will give you a low mileage discount if you drive 7,500 or 10,000 miles per year. You must submit an Annual Mileage Discount form that verifies your low mileage to qualify for this price.

Students discount

Getting the best car insurance for students is like winning a lottery, considering the high premiums for that category. Several insurance companies offer a discount on qualifying coverage for a high school or college student who maintains a grade average of "B" or 3.0 or better.

Students away from home discount

Some insurance companies may offer a discount if you have a student resident in your home who is currently away at school. This is because the student is driving a car less.

Discounts for loyal customers

Customers who have had their insurance with a firm for a long time may be eligible for lower rates or discounts.

Public transportation

Some firms provide a 10% discount on property damage and collision policies if you use public transportation to travel to work regularly and present proof of purchase.

Seniors car insurance discount

If you fall under the seniors' car insurance category, you can get a 25% reduction on all coverages.

Massachusetts Car Insurance Laws

Massachusetts Auto Insurance Requirements

Massachusetts has high minimum insurance requirements, yet they are still lower than what is suggested for proper coverage. For a little increase in the monthly rate, every major insurance company will offer bigger limits. We at Way.com would suggest increasing your liability coverage limits to protect yourself and your possessions.

Massachusetts' minimum car insurance requirements are as follows:

  • Liability for bodily harm is $20,000 per person and $40,000 per accident.
  • Liability for property damage: $5000 per accident
  • Protection against personal injury: $8000

Massachusetts PIP requirements

Personal Injury Protection (PIP) is insurance that everyone in Massachusetts is obliged to obtain when they register a vehicle.

It is for the benefit of the car owner and certain other people who are hurt or killed in car accidents, regardless of who is at fault.

An injured party may be entitled to up to $8,000 in out-of-pocket expenses under PIP.

To the extent that the $8,000 compensates for the injured party's injuries, a tort defendant will be free from paying damages.

In Massachusetts, the following people are eligible for PIP:

  • Anyone who is occupying your car with your permission
  • In Massachusetts, any pedestrian who is struck by your car.
  • If you or anybody in your family is injured while occupying or being struck by a car that does not have Massachusetts bodily injury coverage, you may be held liable.
  • A Massachusetts person is hit by your car while walking outside of Massachusetts.

In Massachusetts, the following people are not eligible for PIP:

  • Anyone who is riding or operating a motorcycle or other motorized car.
  • Anyone who has been injured at work is entitled to workers' compensation.
  • Anyone under the influence of drugs or alcohol who commits a felony or causes injuries on purpose.

PIP Benefits: What They Are and What They Aren't

PIP pays the first $2,000 of medical expenditures if you are injured in a car accident and have health insurance. The wounded party's health insurance covers the remainder of the medical bill.

With the remaining $6,000 in compensation, PIP will pay for medical expenditures that are not covered by health insurance. Copayments, deductibles, and certain specialty specialists, such as chiropractors, may not cover health insurance. PIP will cover these medical costs that exceed the original $2,000 limit.

If you're hurt and don't have health insurance, PIP should cover all injured person's medical fees up to the $8,000 maximum. People on Medicare or Medicaid are deemed uninsured for PIP.

Within two years of the injury, all medical bills, whether covered by health insurance or not, are limited to reasonable and necessary medical expenses.

PIP pays 75% of the injured party's typical weekly wage before the accident date. Unless the injured person has recently started working, it is the previous year's average. Unemployed people are eligible if they have previously worked and are now looking for a job.

If an employee is disabled and is qualified for other benefits, they will receive 75% of the difference between what they would have earned if they had worked and what they received from the other benefits.

Nonfamily members are paid to undertake routine and required duties that the wounded individual would typically perform.

PIP Benefits Denied

Any insurer has the right to reasonable proof of medical expenditures.

Before paying medical bills, their insurance may request an independent medical evaluation (IME) to check acceptable costs. An insurance company also has the right to an oath examination (EUO) to review medical care.

PIP insurers will refuse to pay medical expenditures if:

A physician's IME report stating that medical treatment is not required (or no longer necessary)

  • The claimant's refusal to cooperate with the EUO
  • If you file a PIP claim more than two years after the injury, you will forfeit your PIP benefits.
  • Filing a PIP claim before the two-year deadline but late enough that the insurer is prejudiced.
  • The claimant's unexplained absence from an IME or EUO.

Auto Insurance Coverage Types

When it comes time to renew their auto insurance policies, many drivers opt for the bare minimum required by Massachusetts law rather than learning about the many coverage options. Your car insurance policy is your plan for recovering, providing for your family, and returning to your life if you are ever harmed. When getting your car insurance coverage, ask questions and be certain that you comprehend the coverage you purchase.

Here are some of the terms you'll come across:

No-Fault: Personal Injury Protection (PIP) is mandatory in Massachusetts, and it pays up to $8,000 in benefits. If you were a pedestrian or bicyclist, PIP comes from the car you were in or the car that hit you.

The first $2,000 in medical expenditures (up to $8,000) is normally covered by PIP (Personal Injury Protection).

Bodily Injury Coverage

The motorist is liable for the collision. Usually, the car they were driving provides bodily injury (BI) coverage. In Massachusetts, bodily injury coverage must be at least $20,000, BI auto insurance can cover up to $500,000, and many people have "umbrella" plans that cover much more.

When purchasing BI coverage for your car, make sure you are not only purchasing the bare minimum of $20,000 in coverage. Even if you only need this much coverage, pay a few more dollars to ensure that you have "Optional Bodily Injury" coverage.

Coverage for Underinsured and Uninsured Drivers

If you or a family member owns a car, your insurance policy may cover you in the event of an accident. Underinsured coverage works similarly to BI coverage, except it kicks in after exhausted BI coverage. Uninsured motorist coverage will give similar coverage if the responsible driver does not have insurance, but it will come from your insurance policy.

Payments for Medical Services

You can add up to $100,000 in supplementary medical payments coverage to your individual or family policy. Medical payments coverage is essential since it covers co-pays and deductibles once PIP coverage has been exhausted.

Medical payments coverage can also be used to cover the cost of health insurance liens; in auto accident situations, health insurance companies are entitled to be paid back. Your own company's medical payments coverage can help preserve your settlement.

Proof of Auto Insurance in Massachusetts

Every driver in Massachusetts is required by law to have car insurance. If you are caught driving without sufficient vehicle insurance coverages, the following penalties apply:

  • A fine of up to $5000 and no less than $500
  • Up to one year in prison
  • Your driver's license may be suspended for up to 60 days.

You'll also have to pay for a whole year's worth of insurance at the current market rate.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Why is Massachusetts car insurance so expensive?

Auto insurance in Massachusetts is costly, and there are high car maintenance rates in Massachusetts. As the cost of insurance is increasing, the costs of insurance premiums are also increasing. Both insured drivers share the growing insurance costs.

Who has the cheapest car insurance in Massachusetts?

State Farm with an average quote of $476 per year has the cheapest car insurance in Massachusetts.

How does car insurance work in Massachusetts?

Drivers in Massachusetts must have at least $20000 in personal body insurance, up to $40000 in accident insurance, and $5000 in asset-liability insurance. You will need complete coverage to cover insurance to pay for your car loss.

How much is car insurance in MA for new drivers?

Car insurance costs about $1500 - $8100 a year on average for a new driver in Massachusetts. Sticking shock is also seen by young and inexperienced drivers in Massachusetts who hear outrageous quotes such as $500 to $900 a month for Boston's new auto insurance fares.

What is the best auto insurance in Massachusetts?

Amica Mutual is the leading Massachusetts auto insurance company for residents. Amica is interesting since it's a reciprocal product – you can choose between a standard insurance policy or an auto insurance policy of Amica Mutual, which returns every year 20 percent of your premium.

Do you need car insurance in MA?

There are compulsory car laws in Massachusetts that you have to cover minimum insurance.

Can you drive in Massachusetts without insurance?

No, you cannot. Drivers that are stranded without mandatory minimum coverage on a motor vehicle in Massachusetts face a range of fines based on whether it occurred previously.

What happens if you don't have car insurance in Massachusetts?

A suspension of 60 days and a fine of up to $500 results from a first offense. You will have to pay an extra $500 or pay upstream for the highest-rated territorial and class coverage for one year, whichever is larger. License revocation of one year, a fine of $500 to $5000, potential incarceration up to a year or any of the above shall result in second and subsequent convictions within six years of the previous offense. The extra $500 risk-to-payment package is also available for a first crime.

What is the minimum car insurance in Massachusetts?

Drivers in Massachusetts must have at least $20000 in personal body insurance, up to $40000 in accident insurance, and $5000 in asset-liability insurance. You will need complete coverage to cover insurance to pay for your car loss.

Do I have to add my child to my car insurance in Massachusetts?

First, a driver must be added only when a driver's license is granted in the state of MA. When they get their permission, you do not need to add your son or daughter. The auto policy in Massachusetts allows you to list all household members.

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