Car Insurance in Massachusetts
- Compare the cheapest car insurance quotes in MA with The Zebra
- Coverage from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
Here's what you need to know when driving in Massachusetts
Across the Bay State, there are 76,200 miles of road just waiting to be driven. The average car insurance rate in Massachusetts is $1,346 per year — 12% less than the U.S. average. Car insurance rates are impacted by more than just your location. Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Massachusetts car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Massachusetts based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
The best car insurance companies in Massachusetts
Based on data from J.D. Power's 2021 Auto Satisfaction Study and The Zebra's Customer Satisfaction Survey, we have compiled a list of the best car insurance companies in Massachusetts.
Along with topping The Zebra's Customer Satisfaction Survey, USAA received a score of 879 (out of 1,000) in J.D. Powers' 2021 U.S. Auto Insurance Study for the state of Massachusetts.
As a highly-rated regional carrier, Amica Insurance scored an 867 on J.D. Power's 2021 auto study for the ninth consecutive year.
State Farm placed third in this region with a score of 855 in J.D. Power's 2021 Auto Insurance Study. This carrier also received 4.5 stars out of 5 in The Zebra's Customer Satisfaction Survey.
The cheapest car insurance companies in Massachusetts
These companies offer the cheapest rates in the following scenarios.
The cheapest rates are from State Farm at $532 annually, or $44 per month.
For the minimum required coverage in Massachusetts, State Farm is the cheapest on average.
If you have a DUI on your record, check out State Farm for the cheapest average rates.
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Massachusetts auto insurance laws
Car insurance is mandatory in almost every state, including Massachusetts. If you choose the legal minimum coverage level in Massachusetts, expect to pay an average of $484 annually. This expenditure is less expensive than the nationwide average by 10%.
State minimum coverage
In order to drive legally in the state of Massachusetts, you must carry at least the minimum liability limits listed below:
- Bodily Injury $20,000 per person
- Bodily Injury $40,000 per accident
- Property Damage $5,000 per accident
- Bodily Injury $20,000 per person
- Bodily Injury $40,000 per accident
Personal Injury Protection
- $8,000 per person
Optional coverage in Massachusetts (varies by carrier):
- Limited Collision
- Loan/Lease Payoff
- Medical Payments
- Rental Car Reimbursement
- Roadside Assistance
- Underinsured Motorist Bodily Injury
- Optional Bodily Injury (OBI)
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Massachusetts, a comprehensive insurance policy with a $1,000 deductible costs $1,145, 132% more than liability-only car insurance. For a comprehensive policy with a $500 deductible, expect to pay 183% more than you would for basic coverage.
Compare car insurance rates from the best companies in Massachusetts.
Massachusetts car insurance premiums by rating factor
Your rates are determined by a number of individual factors, including your coverage level, driving history, location, and more. Explore average premium costs by rating factor below to get a better sense of how much you should be paying for auto insurance in Massachusetts.
Cheap auto insurance in Massachusetts for minimum coverage
Forgoing full coverage for liability-only at the state minimum level will make your car insurance significantly cheaper. In Massachusetts, the average cost for minimum coverage is $40 per month, or $484 yearly — a savings of $885 compared to full coverage.
Cheap auto insurance in Massachusetts with bad credit
While most states use your credit history in the underwriting process, Massachusetts has banned the practice. This means that those with a poor credit history do not have to worry about it affecting how much they pay for auto insurance.
Cheap auto insurance in Massachusetts with an at-fault accident
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $789 per year.
Safe driver discounts
In addition to having a cheaper premium, some companies offer a safe driving discount. While the amount varies based on your company, it can range between 5 and 10%.
Cheap auto insurance for young drivers in Massachusetts
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Massachusetts, teen drivers pay especially high rates: $4,475 per year — that's $321 less than the nationwide average and over twice as much as a typical Massachusetts driver.
Massachusetts auto insurance rate by violation
In Massachusetts, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
|Accident/Violation||Avg. Annual Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,418||0%||$0|
|One comp claim||$1,454||3%||$36|
|Two Med/PIP claims||$1,454||3%||$36|
|Two comp claims||$1,508||6%||$90|
|Driving without lights||$1,602||13%||$184|
|Child safety restraint||$1,602||13%||$184|
|Failure to wear a seat belt||$1,619||14%||$201|
|At-fault accident - less than $1000||$1,688||19%||$271|
|Cell phone violation||$1,788||26%||$370|
|Texting while driving||$1,788||26%||$370|
|Speeding 6 - 10 MPH over limit||$1,795||27%||$377|
|Speeding 11 - 15 MPH over limit||$1,796||27%||$378|
|Speeding 16 - 20 MPH over limit||$1,796||27%||$378|
|Speeding in school zone||$1,796||27%||$379|
|Driving too slowly||$1,796||27%||$379|
|Failure to yield||$1,807||27%||$390|
|Wrong way/wrong lane||$1,807||27%||$390|
|Following too closely||$1,807||27%||$390|
|Failure to stop at a red light||$1,807||27%||$390|
|In 65 MPH zone||$1,810||28%||$392|
|Speeding 21 - 25 MPH over limit||$1,810||28%||$392|
|Operating a vehicle without permission||$1,826||29%||$408|
|Passing school bus||$1,884||33%||$466|
|At-fault accident - $1000-$2000||$2,293||62%||$876|
|At-fault accident - greater than $2000||$2,364||67%||$946|
|Failure to show documents||$2,375||68%||$957|
|Driving with expired registration||$2,396||69%||$978|
|Refusal to submit to a chemical test||$2,698||90%||$1,280|
|Driving with a suspended license||$2,839||100%||$1,422|
|Leaving scene of an accident/hit and run||$2,844||101%||$1,426|
Massachusetts DUI laws
In Massachusetts, a DUI offense can increase your annual car insurance premium by an average of $1,041. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Massachusetts
If you're convicted of a DUI or DWI violation in Massachusetts, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Massachusetts, State Farm, advertises annual rates 57% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Massachusetts is GEICO, while the priciest firm is Allsatte, with prices 72% above average.
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Massachusetts SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Massachusetts to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Massachusetts might require some research, but it could pay off in the end.
How to acquire an SR-22 in Massachusetts
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Massachusetts in minutes!
Rates by city
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Northfield, Massachusetts, and the most expensive in Roxbury, Massachusetts.
Have a look at the table below to see average car insurance costs in some of Massachusett's biggest cities.
Car insurance price trends in Massachusetts
In Massachusetts, average annual auto insurance costs increased by $43 in the past year. A typical Massachusetts driver pays an average of $1,346 per year.
The recent pricing trend in Massachusetts leans toward slightly cheaper car insurance costs than the national average. The steepest decrease occurred from 2017 to 2018, while the highest surge took place from 2016 to 2017. At the same time, car insurance rates across the United States have stayed relatively steady in the past few years, moving from $1,521 in 2018 to $1,529 in 2021.
|Year||Avg. Annual Premium — Massachusetts||Yearly Change — Massachusetts||Avg. Annual Premium — US||Yearly Change — US|
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Massachusetts car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Massachusetts auto insurance.
Who really has the cheapest car insurance in Massachusetts?
Regional companies offer the cheapest car insurance in Massachusetts. Norfolk and Dedham offer the cheapest rates, at $597 for a six-month policy, and Plymouth Rock offers the second-cheapest: $617.
What is the best car insurance in Massachusetts?
The best insurance in MA is the policy that matches your needs. The only way to find that is to shop around with national and regional companies. Use our comparison calculator to see rates in Massachusetts.
Why is car insurance so expensive in Massachusetts?
Massachusetts car insurance rates are 18% cheaper than the average rate in the U.S. This changes if you're in a bigger city, such as Boston, where the average rate is 26% more expensive than the U.S. and 50% more expensive than the statewide average. Find rates for your city with us today.
Save money on your next car insurance policy!
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.