Massachusetts Auto Insurance (2024)
To meet Massachusetts auto insurance requirements, drives must carry specific amounts of liability, uninsured motorist, and PIP auto insurance. Minimum liability auto insurance in Massachusetts will cost an average of $40/mo, while drivers who opt for full coverage will pay an average of $114/mo.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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- The average car insurance rate in Massachusetts is $1,346 annually or $112 each month
- The national average for car insurance is around 12% higher than Massachusetts
- In many cases, State Farm offers the cheapest auto insurance coverage in Massachusetts
You must carry Massachusetts auto insurance, as penalties for driving without insurance include hefty fees, license suspension, and jail time. The good news is that average car insurance rates in Massachusetts are 12% lower than the national average, so you should be able to easily find cheap auto insurance.
Read on to learn about Massachusetts auto insurance requirements and the best ways to find cheap auto insurance in Massachusetts.
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Cheapest Minimum Coverage in Massachusetts
If you choose a minimum coverage policy in Massachusetts, you’ll pay lower-than-average rates for coverage. Minimum coverage, or liability-only coverage, meets the minimum auto insurance requirements by state but offers no additional support.
So, rates for minimum coverage are significantly lower than other options. The average cost for a minimum coverage policy in Massachusetts is $484 annually or $40 monthly.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
In Massachusetts, the cheapest option for minimum coverage is State Farm. The average cost for a minimum coverage policy with State Farm is $196 annually or $16 per month, an incredibly low rate. Read our State Farm auto insurance review to learn more.
The second-cheapest option for minimum coverage in Massachusetts is Geico (read our Geico auto insurance review). Geico auto insurance charges an average of $407 each year or $34 monthly for coverage. Amica Mutual car insurance comes in third, charging $470 annually or $39 a month, and Allstate’s average rates for a minimum coverage policy are normally around $610 annually or $51 each month.
Progressive and Travelers have similar rates for a minimum coverage policy. Progressive auto insurance charges around $681 annually or $57 each month, and Travelers auto insurance charges $687 each year or $58 per month.
When purchasing a minimum coverage policy, be aware of what your insurance does and doesn’t cover. For example, with a liability-only car insurance policy, you’re covered if you get in an accident and cause minimal damage to another person’s vehicle. However, your coverage won’t extend very far.
A minimum coverage policy won’t pay for your vehicle repairs if you get in a car accident and your vehicle sustains damage. Instead, you must pay for repairs out of pocket.
Many people choose a minimum coverage policy because it’s cheaper than full coverage auto insurance or other options. Still, it’s important to consider what you’re not covering when you only purchase minimum coverage. Sometimes, paying the extra money for full coverage is worth it.
Cheapest Full Coverage in Massachusetts
Full coverage policies in Massachusetts are more expensive than minimal coverage. Still, some companies offer extremely affordable coverage options for a full coverage policy.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
State Farm’s average cost for a full coverage policy is $532 annually, about $44 each month. Geico offers the next cheapest rates — a full coverage policy in Massachusetts with Geico costs around $1,065. As you can see, Geico’s annual rates are $500 more than State Farm’s.
Amica charges an average of $1,514 yearly for full coverage or around $126 per month. The difference between Amica’s rates and State Farm’s rates is significant. Progressive charges around $1,578 annually or $132 each month for coverage, and Travelers charges $1,913 each year or $160 per month.
However, the most expensive option for full coverage in Massachusetts is Allstate (read our Allstate auto insurance review). Allstate charges $2,003 a year for a full coverage policy in the state, equating to around $167 each month. So, you could save around $120 a month if you chose State Farm over Allstate for your full coverage needs.
The difference in rates between different companies in Massachusetts is a great example of why it’s important to find and compare quotes from multiple providers before deciding on a car insurance policy.
Full coverage costs more than other options, but it offers safety and protection that may be worth purchasing. Also, with a full coverage policy, you get peace of mind knowing you have coverage in virtually any scenario.
A full coverage policy includes both comprehensive and collision coverage. With comprehensive insurance, your vehicle has coverage from damage caused by hail, vandalism, or other damage unrelated to a collision.
On the other hand, collision insurance pays for vehicle damages after a collision with another vehicle or stationary object. Collision insurance works regardless of fault, so you’ll be covered even if you cause a car accident.
If you drive a newer vehicle or have a car lease or loan, you may be required to carry a full coverage policy. However, even if you aren’t, you should consider purchasing full coverage to help if you’re ever in an accident or your vehicle gets damaged.
Credit Score and Massachusetts Auto Insurance
A person’s credit score can impact car insurance rates in many states. Studies have shown a correlation between poor credit scores and an influx in car insurance claims. So, many companies charge higher rates when people have bad credit.
Fortunately, Massachusetts doesn’t allow companies to charge higher rates if people have poor credit scores. So, if you live in Massachusetts and have poor credit, don’t worry about your credit score impacting your car insurance rates.
It’s always a good idea to try and improve your credit score when possible. Bad credit can impact several aspects of your life. For example, if you live somewhere other than Massachusetts, you’ll find that your car insurance rates improve as you bring up your credit score.
Read more: How Credit Scores Affect Auto Insurance Rates
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At-Fault Accidents and Massachusetts Auto Insurance
Finding cheap auto insurance in Massachusetts can be easy, but if you have an at-fault accident on your driving record, you may pay more than you’d like for coverage.
Many car insurance companies in Massachusetts raise your auto insurance rates if you cause an accident. In fact, just one at-fault accident on your driving record can raise your rates by nearly $800 each year.
However, some companies offer more affordable coverage if you have a blemished driving record. To find the best car insurance in Massachusetts for people with an accident on their record, you’ll need to find and compare quotes from multiple providers.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
Once again, State Farm offers the cheapest rates to people with an at-fault accident on their driving record. If you purchase an auto insurance policy with State Farm, expect to pay around $833 a year or $69 monthly for coverage.
Geico is the second cheapest option. The company charges around $1,537 annually or $128 monthly for coverage, nearly $60 more a month than a policy with State Farm.
Amica Mutual offers coverage to those with an at-fault accident on their driving records for $2,456 annually — this breaks down to monthly rates of around $205. Progressive charges a bit more for similar coverage, with an average of $2,572 annually or $214 a month.
With Travelers, you’ll pay around $2,927 annually or $244 each month for coverage. Allstate charges the most in Massachusetts if you have an at-fault accident on your record. The company charges $3,281 annually or $273 per month for coverage.
If you have an accident on your record, there are a few things you could do to lower your auto insurance rates.
You can participate in an accident forgiveness program if your auto insurer offers one. What is accident forgiveness? With accident forgiveness, companies allow you to be at fault in one accident every three to five years without raising your rates.
You may also be able to participate in a class to lower your rates. For example, certain providers offer defensive driving or safe driving classes in exchange for a discount.
Lastly, you can shop around for coverage. Since a driving record eventually returns to a clean slate if you avoid additional traffic violations, your rates should improve over time. If you shop around for coverage, certain providers may offer more competitive rates for auto insurance because your driving record has improved.
Young Drivers and Massachusetts Auto Insurance
Insurance companies often charge teens and young adults the highest car insurance rates of any demographic. In Massachusetts, it’s no different. Auto insurance rates for teens are the highest for drivers from 16 to 19 years old, and teens and young adults can pay nearly four times as much as the national average for car insurance.
The average rates for teens and young adult drivers in Massachusetts is $4,475 annually or $373 per month, significantly more than the statewide average.
Still, some Massachusetts insurance companies offer some of the best auto insurance for teens.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Teens and young adults pay the least for coverage with State Farm, around $1,590 annually or $133 a month for coverage. Geico, the next cheapest coverage option, charges $3,009 annually or $251 per month for auto insurance.
Travelers offers auto insurance to teens and young adult drivers for around $3,631 annually or $303 monthly. The average cost for Amica Mutual is nearly $5,530 annually or $461 per month. Progressive’s rates are around $6,883 annually or $574 per month, and Allstate charges the most for coverage if you’re a teen or young adult driver.
With Allstate, you can expect to pay around $7,010 annually or $584 per month for coverage. Some of these companies charge rates significantly higher than the Massachusetts statewide average for coverage.
If you want the cheapest car insurance in Massachusetts for teens and young adults, you must shop around and compare quotes.
You could also see if a guardian or parent would add you to their insurance policy to help you save money every month. Then, as you get older, you’ll notice your rates go down significantly. Don’t forget to compare quotes from multiple companies at least once a year to ensure you’re not overpaying for coverage.
ZIP Code and Massachusetts Auto Insurance
Auto insurance companies check where you live, so your residence in Massachusetts could significantly impact your auto insurance rates. Residents in smaller, more rural areas enjoy lower car insurance rates, while people who live in larger cities pay more for coverage.
Statistically, you’re more likely to file an auto insurance claim if you live in an area with more traffic, vandalism, theft, and other crime. Often, these areas charge higher car insurance rates.
In Massachusetts, Northfield residents often enjoy the cheapest car insurance rates, while those who live in Roxbury pay the most for coverage in the state.
If you live in Cambridge, you’ll probably pay around $1,565 annually or $130 per month for car insurance. Lowell residents pay around $1,679 annually or $140 per month for car insurance.
Those living in Boston pay around $1,827 per year or $152 monthly for car insurance, while Worcester residents pay $1,889 annually or $157 monthly for coverage. Springfield residents pay the most on this chart, averaging $2,024 annually or $169 per month for auto insurance.
Even if you live in a larger city, insurance companies in Boston and other cities offer competitive rates for auto insurance. However, you need to know how to find and compare quotes to choose the best option for yourself and your family.
You can find Massachusetts auto insurance quotes online, and when you compare quotes from several companies, you’ll see which one offers the coverage you’re looking for at a rate that works with your budget.
It’s important to compare Massachusetts car insurance quotes before you make any final coverage decisions. Remember to compare quotes at least once a year, even after you decide on a policy, to help ensure you’re not overpaying for your insurance.
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Massachusetts DUI Laws
If you get a DUI in Massachusetts, it’s no small offense. A DUI on your driving record can increase your car insurance premiums by up to 100%.
Read more: DUI Defined
While you may be able to find an insurer willing to cover you after a DUI, it won’t be easy to find cheap car insurance with a DUI. Auto insurance companies take DUIs very seriously, so expect to pay higher-than-average rates for up to 10 years after your conviction.
Anyone having difficulty getting coverage after a DUI should shop online and search for coverage with multiple companies. You can contact your nearest in Massachusetts if you can’t find a company willing to cover you.
DUI Insurance Rates in Massachusetts
Your car insurance rates will significantly increase if you get a DUI in Massachusetts. Unfortunately, there’s no way to know exactly how much you’ll pay for coverage until you shop online and get quotes from several companies.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
Once again, State Farm offers the cheapest rates for DUI or DWI drivers in Massachusetts. The average rates for auto insurance after a DUI with State Farm is $1,017 annually or $85 a month.
Geico’s rates are next. The company charges around $1,749 annually or $146 per month for coverage. Progressive policyholders pay around $1,880 annually or $157 per month for coverage, and Travelers charges around $2,858 annually or $238 monthly for auto insurance with a DUI.
Amica’s rates are around $3,204 annually or $267 per month for coverage, and Allstate charges nearly $4,100 annually or $342 each month.
A DUI can stay on your driving record for up to 10 years, so it’s important to find a company that overlooks your infraction and offers you the coverage you want at a price that works for you. Remember to find and compare rates often, so you don’t pay too much for coverage.
Learn more: Best Auto Insurance Companies for Drivers With a DUI
Massachusetts Auto Insurance Requirements
Massachusetts requires drivers to carry auto insurance. If you live in Massachusetts, you must meet your state’s minimum auto insurance requirements to drive legally.
The required coverages in Massachusetts include:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $20,000 in bodily injury liability per person for uninsured motorists
- $40,000 in bodily injury liability per accident for uninsured motorists
- $8,000 in personal injury protection per person
In addition to the mandatory coverages listed above, drivers in Massachusetts can purchase additional car insurance coverage to provide added protection on the road.
Some of the most common add-on coverages include:
- Comprehensive auto insurance. This coverage helps if your car is damaged in a non-accident-related event, like severe weather or vandalism.
- Collision auto insurance. Collision coverage helps pay for repairs if your car is damaged in an accident. Without collision coverage, you may have to pay for repairs to your vehicle out of pocket.
- GAP coverage. GAP insurance helps pay the difference between what you owe on your car and what your car is actually worth after depreciation.
- Medical Payments (MedPay). MedPay pays for medical bills, doctor’s visits, and other medical costs associated with a covered event.
- Roadside assistance. This coverage helps if your car breaks down and you’re in need of certain assistance, like fuel services or flat tire repair.
- Uninsured/underinsured motorist coverage. This coverage allows you to be reimbursed after an accident by your own insurance company if the at-fault individual does not carry proper Indiana-mandated liability coverage.
- Rental car reimbursement coverage. If your car is in the shop due to a covered event, your insurance company will reimburse you for the cost of a rental vehicle up to a certain amount.
If possible, you should purchase additional coverage on your vehicle. You never know when you’ll need a full coverage policy with collision and comprehensive coverage.
If you drive a good bit, a roadside assistance plan may help you feel much safer on the road, especially if you ever get a flat tire or get stranded for any reason.
Before choosing a minimum coverage policy because of the low cost, consider what you may need based on your driving, vehicle, and other factors.
Massachusetts SR-22 Auto Insurance
SR-22 auto insurance is a form you must submit to your Department of Motor Vehicles proving that you have financial responsibility as a driver. Most drivers will never need an SR-22 filed with their state.
Still, you may have to file an SR-22 if:
- You have a DUI conviction
- You have multiple traffic tickets on your record
- You have one or more at-fault accidents on your record
- You got caught driving without car insurance
- You got caught driving with a suspended or revoked license
- You’re behind on child support payments
In Massachusetts, you need an insurance company to help you file your SR-22 properly. If you already have one, call and ask the company to file the SR-22 on your behalf.
How To File an SR-22 if You Have Insurance
Filing an SR-22 with an existing insurance policy is simple. You just need to reach out to your current company to ensure it will submit the form on your behalf. During the process, you may have to pay anywhere from $20 to $30.
How to File an SR-22 if You Don’t Have Insurance
You’ll need to find an insurance company to file an SR-22 on your behalf. Finding coverage could be difficult, but you should be able to find a company to help you by shopping online and comparing car insurance quotes in Massachusetts.
How to File an SR-22 if You Don’t Own a Car
You should purchase a non-owner car insurance policy if you don’t own a vehicle but need SR-22 coverage. Speak with representatives from any company you’re considering to let them know your situation. You may receive lower-than-average rates with non-owner SR-22 insurance if you don’t drive very often.
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Cheap Auto Insurance in Massachusetts: The Bottom Line
You can find cheap car insurance in Massachusetts, but you must know where to look. While State Farm offers the cheapest options on average, other companies may be more competitive for your specific needs.
Shop online with our free quote comparison tool and compare Massachusetts auto insurance quotes with multiple companies in your area. When you do, you’ll quickly learn which are willing to offer you the Massachusetts auto insurance coverage you need at a price that works for you.
Frequently Asked Questions
Which company offers the cheapest coverage in Massachusetts?
You’ll have to find and compare quotes to know which company offers you the most competitive Massachusetts coverage rates. State Farm offers the most competitive rates on average.
What’s the best insurance option in Massachusetts?
A minimum coverage policy offers the lowest rates for Massachusetts auto insurance, but this policy doesn’t provide the protection you may need. Full coverage costs substantially more than a liability-only policy, but it’s extremely helpful if you get in an accident or your vehicle gets damaged.
Is Massachusetts car insurance expensive?
Massachusetts’s average car insurance cost is 12% lower than the national average for auto insurance coverage. The average car insurance cost in Massachusetts is around $1,346 annually, averaging roughly $112 per month.
What is Massachusetts Auto Insurance?
Massachusetts Auto Insurance refers to the insurance coverage required for all vehicles registered and operated in the state of Massachusetts. It provides financial protection in case of accidents, damage, theft, or other incidents involving insured vehicles.
What are the minimum auto insurance requirements in Massachusetts?
In Massachusetts, drivers must carry the following minimum auto insurance coverages:
- Bodily Injury to Others: Minimum coverage of $20,000 per person and $40,000 per accident for injuries caused to others.
- Personal Injury Protection (PIP): Minimum coverage of $8,000 per person, per accident for medical expenses, lost wages, and other expenses resulting from an accident.
- Bodily Injury Caused by an Uninsured Auto: Minimum coverage of $20,000 per person and $40,000 per accident for injuries caused by an uninsured or underinsured driver.
- Damage to Someone Else’s Property: Minimum coverage of $5,000 for property damage caused to others.
Can I choose higher coverage limits for my Massachusetts auto insurance?
Yes, you can choose higher coverage limits for your Massachusetts auto insurance. While the minimum coverage limits are required by law, you have the option to increase your coverage for greater protection. Discuss your coverage needs with an insurance agent to determine the appropriate limits based on your circumstances.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state, which means it’s important to carry the right Massachusetts auto insurance coverage to protect yourself in an accident.
Is it illegal to not have auto insurance in Massachusetts?
Yes, all drivers are legally required to carry auto insurance in Massachusetts.
Does auto insurance follow the car or the driver in Massachusetts?
Auto insurance coverage usually follows the car in Massachusetts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.