Compare Car Insurance Rate by State

To Compare Car Insurance Rate by State, or to review top U.S. colleges, or to study American culture, economy, history, and more, visit any of the links shown below.

This page features facts about Massachusetts car insurance, state laws, and tips on minimizing your annual premiums.

Read on to discover the Massachusetts auto insurance package that best suits your individual needs.


compare car insurance rate

The average annual auto insurance premium in Massachusetts this year was $1,176, falling below the overall national average of about $1,365. 

Actuaries in the state of Massachusetts consider a number of factors when calculating car insurance premiums.

Site-specific factors include climate, economy, percentage of uninsured vehicles on the road, and neighborhood crime rates, among other things.

Among the personal demographics that influence premium rates are the driver's age, gender, marital status, driving record, and physical or mental health.

penalties for driving uninsured in massachusetts

Driving uninsured in Massachusetts (assuming you are caught) results in fines of up to $500 for a first offense.

Repeat violations are met with fines up to $5,000 and a year in jail.

That's one reason why Massachusetts has the 3rd lowest percentage of uninsured vehicles in the United States. Roughly 6% of vehicles on Massachusetts roadways are uninsured. 

minimum liability requirements

The minimum per-vehicle car insurance mandated by Massachusetts state law is low compared to other U.S. states.

Massachusetts car owners must insure each vehicle with at least

  • $20,000 in Personal Injury Protection (PIP)
  • $40,000 against death or injury to others
  • $5,000 to cover property damage

In other words, Massachusetts law requires 20/40/5 in car insurance. 

lowering the cost of car insurance

Some Massachusetts car insurance carriers have a merit rating system based on driving records. 

Most auto insurance companies offer discounts to promote safe, smart driving habits. Available discounts may include 

  • Accident-Free discounts
  • Good Driver discounts
  • Defensive Driving Course discounts
  • Good Student discounts
  • Multiple Auto discounts
  • Multiple Policy discounts
  • Vehicle Safety discounts name just a few. 

When you call around to compare quotes, don't forget to ask about the DISCOUNTS!

Factoring numerous discounts into your auto insurance policy is the best way to save significant money on annual rates. 

Best Companies to Compare Car Insurance Rate

Recent consumer reports and customer satisfaction ratings suggest that Massachusetts drivers favor

  1. Allstate
  2. Progressive Insurance
  3. The Hartford
  4. Liberty Mutual Insurance
  5. State Farm Insurance
  6. 21st Century Insurance

However, the state of Massachusetts supports many dozen auto insurance carriers, most of them offering competitive rates.

Some drivers opt for smaller, regional carriers to write their car insurance policies. Among the favorite local carriers are Commerce and Arbella

Get a few free quotes online.

Then, call at least five or six auto insurance carriers in your area. Ask each agent about ALL available discounts. When it comes to maximizing auto insurance discounts, a phone call is recommended in conjunction with online services.  

Then simply compare all your quotes and choose the cheapest premium package that works for you.

The little bit of extra time it takes to take these steps is as good as putting money in the bank. 

compare car insurance rate 

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