Why Compare Car Insurance Rates in Massachusetts:
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.
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 |
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:
| Car Insurance company | Premium for minimum coverage |
|---|---|
| Plymouth Rock | $345 |
| Safety | $384 |
| Arbella | $550 |
| Progressive | $813 |
| State Farm | $230 |
| Vermont Mutual | $275 |
| Hanover | $290 |
| Chubb | $340 |
| American Family | $372 |
| Amica Mutual | $432 |
| Allstate | $560 |
| Safety Group | $750 |
| Travelers | $773 |
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.
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.
State Farm offers great discounts to good drivers, with average rates 54 percent lower than the state average and well below $1000 per year. Travelers' rates are 41% higher than the state average, making them the most expensive for Massachusetts drivers with a clean driving record.
| Company | Average Annual Rate |
|---|---|
| State Farm | $495 |
| USAA | $987 |
| Safety Insurance | $1044 |
| Plymouth Rock Assurance | $880 |
| American Family | $810 |
| Amica Mutual | $1,014 |
| Chubb | $1,015 |
| Hanover | $1,045 |
| Allstate | $1,180 |
| Arbella | $1,220 |
| Progressive | $1,417 |
| Travelers | $1,850 |
Young drivers with clean driving records in Massachusetts might look into the following options, which had the lowest average rates:
| Car insurance company | Annual rates |
|---|---|
| State Farm | $490 |
| Plymouth Rock | $880 |
| Safety Group | $1850 |
| MetLife | $2529 |
| American Family | $805 |
| Vermont Mutual | $850 |
| Amica Mutual | $1,009 |
| Chubb | $1,015 |
| Hanover | $1,043 |
| Allstate | $1,177 |
| Arbella | $1,215 |
| Progressive | $1,420 |
| Travelers | $1,850 |
State Farm had the lowest rates in our survey, with rates that are 75% 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 58% higher than the state average.
| Company | Average Annual Rate |
|---|---|
| State Farm | $560 |
| USAA | $1149 |
| Arbella Mutual Insurance | $1325 |
| Allstate | $1165 |
| American Family | $1,135 |
| Amica Mutual | $1,187 |
| Vermont Mutual | $1,1205 |
| Chubb | $1,403 |
| Hanover | $1,731 |
| Progressive | $1,796 |
| Travelers | $2,420 |
Drivers who choose State Farm may be able to get rates that are 46% lower than the state average for this population even after an accident. Travelers' premiums are $1869 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 | $981 |
| USAA | $1386 |
| American Family | $1,130 |
| Plymouth Rock Assurance | $1,290 |
| Amica Mutual | $1,562 |
| Arbella | $1,580 |
| Vermont Mutual | $1,693 |
| Hanover | $1,884 |
| Allstate | $1,915 |
| Chubb | $1,927 |
| Progressive | $2,123 |
| Travelers | $2,850 |
| Safety Group | $3,310 |
State Farm's premiums for Massachusetts DUI drivers are 57% lower than the state average and the lowest in our survey for this population. Safety Group has the highest rates, which is $2017 higher than the state average.
| Company | Average Annual Rate |
|---|---|
| State Farm | $885 |
| Progressive | $1667 |
| Plymouth Rock Assurance | $1355 |
| USAA | $2376 |
| American Family | $1,380 |
| Hanover | $1,520 |
| Amica Mutual | $1,985 |
| Vermont Mutual | $2,183 |
| Arbella | $2,255 |
| Chubb | $2,280 |
| Allstate | $2,350 |
| Travelers | $2,825 |
| Safety Group | $4,107 |
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 |
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.
| City | Annual 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 |
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.
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.
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.
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 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:
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:
In Massachusetts, the following people are not eligible for PIP:
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.
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)
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).
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.
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.
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.
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:
You'll also have to pay for a whole year's worth of insurance at the current market rate.
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
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.
State Farm with an average quote of $476 per year has the cheapest 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.
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.
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.
There are compulsory car laws in Massachusetts that you have to cover minimum 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.
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.
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.
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.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
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