Cheap Massachusetts Auto Insurance for 2021

The average Massachusetts auto insurance rates are $96/mo. Massachusetts auto insurance requirements are 20/40/5 for bodily injury and property damage as well as 20/40 for Massachusetts uninsured motorist auto insurance coverage. To find the best Massachusetts auto insurance rates, you'll need to compare quotes from multiple auto insurance companies.

Free Auto Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 10, 2021

Advertiser Disclosure

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 insurance industry 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.

Known as the Bay State and home to the second permanent English settlement in North America, Massachusetts has a long and storied history and is now the most populous state in New England. Whether you’re new to Massachusetts or have lived there your entire life, you need auto insurance.

Massachusetts auto insurance is required by law, and to make sure you get the coverage you need, understanding auto insurance in the state is important. We’ll cover everything you need to know to confidently buy Massachusetts auto insurance right here.

Finding affordable Massachusetts auto insurance is as easy as entering your ZIP code above. You’ll be able to compare Massachusetts auto insurance quotes in seconds.

Table of Contents

Massachusetts Auto Insurance Minimum Requirements

In Massachusetts, the state liability coverage minimums are:

Bodily Injury Liability Coverage – $20,000 per person
Bodily Injury Liability Coverage – $40,000 per accident
Property Damage Coverage – $5,000 per accident

Take a look at how Massachusetts’ minimum rates compare with surrounding states.

View as image

Massachusetts also requires uninsured motorist coverage with these minimums:

Bodily Injury Coverage – $20,000 per person
Bodily Injury Coverage – $40,000 per accident

Finally, you will need personal injury protection (PIP) coverage at a minimum of:

$8,000 per person in an accident

In addition to the required coverage, you can also purchase optional coverage that includes:

Comprehensive Coverage
Collision Coverage
Medical Payments Coverage
Rental Car Reimbursement Coverage
Towing and Labor Coverage

Auto insurance in Massachusetts follows what is referred to as a no-fault system, which means that should you get in an accident, your insurance company will pay for any claims you make up to your limits. State law requires that drivers have a minimum amount of insurance coverage in four different areas: bodily injury liability, property damage liability, uninsured motorist bodily injury liability, and finally personal injury protection. Let’s take a quick look at each of these.

Bodily injury liability insurance essentially covers you for any injury that is caused to others in an automobile accident. This extends to medical treatment costs, rehabilitation costs, lost wages, and the like. The minimum coverage required by state law is $20,000 per person in a single accident and $40,000 in total claims per accident (for all people involved).

Property damage liability insurance covers you for any damage that is done to someone else’s property, whether it’s their car, their fence, or a city lamp post. The minimum required coverage amount is $5,000 in Massachusetts. This is considered somewhat low – a high-speed collision will cause much more than this amount in bodywork alone – and drivers may want to consider getting a higher amount if they can afford it.

Uninsured motorist bodily injury liability covers bodily injuries to you and your passengers in the event that you’re in an accident with someone who doesn’t have automobile insurance. Again, this pays medical treatment costs and other associated costs stemming from injuries. The minimums are the same $20,000 per person, per accident, and $40,000 for all parties in a single accident.

Personal injury protection (PIP) insurance is coverage that covers you and those in your automobile in an accident regardless of fault. For instance, if you happen to swerve to avoid a deer and end up in a crash, PIP insurance will cover the costs associated with your injuries. The minimum required coverage is $8,000 per person, per accident.

Compare over 200 auto insurance companies at once!

Secured with SHA-256 Encryption

Massachusetts Average Auto Insurance Rates

It’s worth noting that Massachusetts drivers have a watchful state government to thank for decreasing auto insurance rates over the past few years. In 2008, the administration of Governor Patrick and State President Murray worked to get “managed competition” auto insurance installed to ensure that drivers were able to choose from a wider variety of auto insurance companies and insurance packages.

This was considered a success; since 2008, there have been over a dozen new insurance companies that have entered the Massachusetts marketplace to offer policies to drivers, which has driven prices down through increased competition.

Average insurance rates in Massachusetts are considered to be pretty fair. Drivers can expect to pay a little over $1100 per year for auto insurance, which works out to around $96 per month. In the first six months of 2011, this put Massachusetts at 17th overall out of the 50 states when ranking by the median auto insurance premium.

View as image

Thanks to incomes that are mostly higher than average when compared to the rest of the country, Massachusetts actually ranks first for auto insurance affordability in the nation, with just 2.5% of the average household income dedicated to auto insurance.

Let’s take a closer look at the ZIP codes within the state to see how rates changed based on different areas.

View as image

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

View as image

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. Unlike most states, Massachusetts has outlawed insurance companies from adjusting their rates based on gender alone.

View as image

Massachusetts Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

View as image

But which companies are the largest, holding the most market share percentage in the region?

View as image

Car Accident And Theft Statistics

In regards to crash statistics and traffic accident fatalities, Massachusetts drivers have been greatly improving and have a lot to be proud of. In 2008 (the most recent year for which data are available), the state saw a total of 136,384 automobile crashes and 363 fatalities as a result of these accidents.

Compare this to the numbers in 2006 – 149,860 crashes and 429 fatalities – and it’s clear that driving is becoming much safer in the state. This is likely due to both increased driver care, and more stringent enforcement of driving laws and policing of roads and highways.

Auto theft rates have also seen an incredible drop in the past decade in all areas throughout the state. In 2009 there were 11,735 instances of grand theft auto reported, which is quite low considering 2001 saw 27,828 vehicle thefts. This is a drop of nearly 60 percent in just under a decade, which is a remarkable turnaround from how things were going.

Again, this is likely due to increased law enforcement, harsher penalties for those who engage in auto theft, and better use of anti-theft devices by vehicle owners.

Compare over 200 auto insurance companies at once!

Secured with SHA-256 Encryption

Auto Insurance Information By City in MA

Take a look at some city-specific information below.

Below you’ll find information on local auto insurance agents.

Massachusetts Auto Insurance Agents

State of Massachusetts Auto Insurance Resources

The resources below will provide official assistance with insurance or driving in Massachusetts.

MassDot – Official website of the Registry of Motor Vehicles
MassDot Auto Insurance FAQ – Frequently asked auto insurance questions (from the RMV)
Massachusetts Division Of Insurance – Official website from the Government of Mass.
Automobile Insurance Guide – Mass. government auto insurance guide for consumers.
MA Highway Safety Laws – From the Governor’s Highway Safety Association

Don’t buy Massachusetts auto insurance without comparing your options. Enter your ZIP code now to see Massachusetts auto insurance rates from top companies.

Cheap Massachusetts Auto Insurance for 2021

Free Auto Insurance Comparison

It’s all about you. We want to help you make the right coverage choices.

Massachusetts Auto Insurance Minimum Requirements

Massachusetts Average Auto Insurance Rates

Massachusetts Auto Insurance Rates by Company

Car Accident And Theft Statistics

Auto Insurance Information By City in MA

Massachusetts Auto Insurance Agents

State of Massachusetts Auto Insurance Resources

Related Links

Recent Articles

Similar Entries

Free Auto Insurance Comparison