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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 in Massachusetts

The average annual auto insurance premium in Massachusetts last year was $1,325, right on target with the national average of about $1,347. 

Massachusetts actuaries 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 why Massachusetts has the lowest percentage of uninsured vehicles in the United States. Less than five percent of vehicles on Massachusetts roadways are uninsured.

Massachusetts Minimum Liability Requirement

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), a minimum of $40,000 against death or injury to others, and no less than $5,000 to cover property damage. 

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

Lowering the Cost of Massachusetts 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. 

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. 

First, 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 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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