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. We’ll get you prepped, then you take the wheel.
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Compare the best rates from 2 car insurance companies in Massachusetts.
Across the Bay State, there are 76,200 miles of road just waiting to be driven. We’ll get you prepped, then you take the wheel.
|Rank||Company Name||Avg. Annual Premium|
|2||National Grange Mutual||$815|
|9||Norfolk and Dedham||$1,057|
Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Massachusetts drivers without a recent at-fault accident typically save 41% on their car insurance premiums, which beats the US average by 9%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$290||20.12%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Massachusetts is a relatively affordable state for teen drivers: the typical teen driver pays $4,210 per year — about $700 less than the national average for teens, but still four times more than the average driver in Massachusetts.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you avoid at-fault accidents, speeding tickets, and DUIs, you can save money on car insurance. Insurance companies use your driving record as a way to predict the level of risk you present, so maintaining a spotless driving record will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Massachusetts, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 20% in Massachusetts — and a DUI could raise your premiums by a substantial 49%.
|Rating Factor||Annual Rate||% Increase|
Every car insurer advertises its low premiums. But just like with any product or service, the cheapest choice is not always the best selection. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your vehicle completely in the event of a collision. Exercise some patience and look for a great value, rather than settling for the most affordable car insurance in your state.
Compare major auto insurers' financial strength and claims satisfaction ratings to better understand the quality of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurer's financial strength and ability to satisfy its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Commerce Insurance||Not Rated||Excellent|
|Norfolk and Dedham||Not Rated||Excellent|
|Quincy Mutual||Not Rated||Superior|
The minimum required level of insurance in Massachusetts is $20,000 Bodily Injury per person, $40,000 Bodily Injury per accident, and $5,000 Property Damage per accident.
If you carry the legal minimum coverage level in Massachusetts, you'll pay an average of $609 yearly. These premiums are cheaper than the nationwide average by 7%. If you choose more comprehensive coverage, you can select a policy with comprehensive and collision coverage, insuring against damages caused by car-vs.-car collisions, theft, or weather incidents. It's worth noting that better car insurance comes with a price: in Massachusetts, a comprehensive insurance policy with a $1,000 deductible costs $983, 61% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 93% more than you would for a liability-only policy.
Compare mean rates for basic, better, and best coverage levels below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
Liability coverage on a Massachusetts policy only provides coverage for injuries that you cause to another driver or their passengers within the state. Should you be driving outside of the state, adding Optional Bodily Injury to Others (OBI) coverage will financially protect you in the event that you are “at fault” in an accident outside of Massachusetts. This would also extend coverage to any passengers in your vehicle.
The coverage limits are determined by each individual state and normally split into three categories. In Massachusetts, the minimum is listed as 20/40/5 and explained below:
Uninsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Massachusetts, the minimum is listed as 20/40 and explained below:
Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Massachusetts, the minimum PIP coverage limit is $8,000 per person.
Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. It also guarantees every driver immediate medical treatment in the event of an accident.
Yes — Massachusetts is a no-fault state. If you're in an accident and are injured, your car insurance would cover your damages.
No. Because car insurance is legally required in Massachusetts, you must have insurance in order to register a vehicle.
No. Your insurance company might add surcharges for payments via credit card or installments, but the state does not tax these payments.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Newton, Massachusetts, and the most expensive in Brockton, Massachusetts.
|Rank||City||Avg. Annual Premium|
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There is no maximum lookback period in Massachusetts. This means all past OUI convictions are taken into account when a court decides an offender’s sentence and penalties. Additionally, most penalties are applicable to OUI violators of all ages.
Penalties may also vary slightly based on the specifics of an impaired driver’s OUI offense. In Massachusetts, third and subsequent OUI charges are felonies.
First-time DUI offenses in Massachusetts lead to:
If you get a ticket, your auto insurance costs will probably rise. How much your rates rise depends on the violation, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a snapshot of average car insurance rates in Massachusetts after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,520||97%||$1,243|
|Refused Breathalyzer/Chemical Test||$2,424||90%||$1,147|
|Driving with a Suspended License||$2,552||100%||$1,275|
|Driving with an Open Container||$2,403||88%||$1,126|
|Operating a Vehicle Without Permission||$1,627||27%||$350|
|Passing a School Bus||$1,640||28%||$363|
|Following Too Closely||$1,640||28%||$363|
|Failure to Stop at a Red Light||$1,640||28%||$363|
|Driving Wrong Way/Wrong Lane||$1,640||28%||$363|
|Failure to Yield||$1,640||28%||$363|
|Speeding in a School Zone||$1,624||27%||$348|
|Driving Too Slowly||$1,624||27%||$348|
|Driving with Expired Registration||$2,159||69%||$882|
|Failure to Show Documents||$2,159||69%||$882|
|Failure to Use Child Safety Restraint||$1,307||2%||$30|
|Failure to Wear a Seat Belt||$1,376||8%||$99|
|Driving Without Lights||$1,307||2%||$30|
At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Massachusetts area, while also getting an insider view of the Bay State.
So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.
The length of the road trip to your feature destrination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.
Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.
Your original video should not exceed 2 minutes
The video must be hosted on YouTube or Vimeo
Email your submission to firstname.lastname@example.org
your name, address, and phone number when you submit
Selected winner(s) will be awarded a check for $1,000
Applications must be received by 11:59 p.m. CST on December 31st, 2019
Winner(s) will be selected and notified by email by January 31st, 2020
The winner will be selected based on creativity in the content and presentation
*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.
By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.
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