Average cost of car insurance in Massachusetts

Massachusetts, like most other states in the U.S. requires drivers to have a minimum level of insurance to register and drive a car. The average cost of Massachusetts car insurance is $510 for minimum coverage, and $1,223 if you get full coverage.

The cost of car insurance will depend on where you live in Massachusetts, what insurance company you choose, and your driving record. These factors can affect the rates of your car insurance. This will help you to find the best and cheapest coverage for your Bay State vehicle.

What is the cost of Massachusetts car insurance?

Bankrate’s report of the cost of car insurance by state ranks Massachusetts as lower in price than the national annual average of $565 for minimum car insurance and $1,674 for full coverage. Massachusetts is almost 27% cheaper for full coverage and 10% lower for basic insurance. The state where you live is only one factor that can affect your vehicle insurance premiums. These are just a few of the additional factors to be aware of.

Massachusetts car insurance rates by firm

Prices for the same coverage level can vary from one carrier to the next. For example, basic insurance from To find the cheapest car insurance in Massachusetts, you may need to get several quotes to see how your rate will compare. Compare Bankrate’s findings of insurance rates from the best carriers in the state:

Massachusetts car insurance rates by location

Your premiums can be affected by the city you live in. The following table lists the full coverage average rates for The Bay State’s top 20 most populous cities:

Cost of living in Massachusetts, and car insurance

It is important to consider your other expenses when shopping for Massachusetts car insurance rates. This will allow you to calculate your total living costs. Below is a graph that shows you the average annual cost to live in Massachusetts, as well as the average cost for car insurance. This graph can be used to determine your annual expenses and help you decide on the best insurance rates for your budget.

How to Save on Massachusetts Car Insurance

Bankrate’s findings show that avoiding accidents and DUIs is a great way to cut down on your car insurance. This could save you up to two-thirds of your premiums. These ideas can help you save even more.

  • Bundle your coverageBundling homeowners and renters insurance with one carrier can help you save money.
  • Regularly compare quotes:It is a good idea to annually get quotes for car insurance. Switching carriers may be a good way to save money on car insurance.
  • Raise your deductible:Your monthly premiums will be lower if your deductible is higher. However, before you increase your deductible on your policy, ensure that you have the funds to cover it in case you need it.
  • Get carrier discountsInsurance companies often offer discounts for being loyal, paying your premiums fully, and being a good student.

Massachusetts requirements for car insurance

The State of Massachusetts has the following requirements for all drivers:

  • $20,000 per person in bodily injuries liability and uninsured body injury liability insurance
  • $40,000 per accident in bodily injuries liability and uninsured injury liability insurance
  • $5,000 per accident property damage liability insurance
  • $8,000 per person to purchase PIP (personal Medical Payments) insurance
  • $8,000 per accident PIP (personal Medical Payments) insurance

While basic coverage may be the most affordable form of car insurance, it may not provide enough. The minimum insurance does not provide coverage for damages to your vehicle due to theft, collisions, fires, storms or other events. Although full coverage car insurance may cost more, it provides more protection.

Questions frequently asked

What Massachusetts car insurance should I get?

Massachusetts requires that you have minimum state minimum car insurance coverage. Massachusetts has 20/40/5 liability requirements and $8,000 per accident for PIP. Most insurance professionals recommend that you purchase as much PIP and liability insurance as possible to protect your finances in the event of an accident.

What happens if my property damage exceeds the $5,000 limit on my car insurance policy?

You could be held responsible for any excess property damage coverage you have if your vehicle sustains more than $5,000 damage. Insurance experts recommend that you purchase more coverage, if possible, in order to lower your risk of incurring out-of-pocket expenses if you are involved in an accident.

What are the best car insurance companies in Massachusetts for under $100?

Quadrant Information Services’ bankrate data shows that Plymouth Rock Insurance, Safety Insurance, and State Farm are among the most affordable car insurance companies in Massachusetts. You may be able to find a lower-priced car insurance company by shopping for quotes. Pricing is determined by a variety of factors including your driving record and age.

What is the monthly cost of Massachusetts car insurance?

Recent data shows that Massachusetts car insurance costs $42.50 per month for minimum liability insurance and $101.92 per month for full coverage. These rates are based upon a sample driver profile. They could vary depending on your driving history, coverage needs, and vehicle choice.