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Car Insurance in Massachusetts (Updated May 2024)

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Massachusetts Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Massachusetts however, drivers are paying 12% less for car insurance than the national average, with Full Coverage costing Massachusetts drivers an average of $166 per month

Similar to other states, the rates in Massachusetts can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Massachusetts. Read on to learn more about properly insuring your car in Massachusetts. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


Massachusetts Car Insurance Laws

Massachusetts mandates that all vehicle owners maintain a comprehensive level of auto insurance coverage. This requirement ensures that all parties involved in vehicular accidents have a fundamental level of protection.

Massachusetts’s car insurance minimums are:

  • $20,000 for bodily injury to others per person
  • $40,000 for bodily injury to others per accident
  • $8,000 for personal injury protection (PIP), covering medical expenses, up to 75% of lost wages, and replacement services — this is a critical feature of Massachusetts’s no-fault system, covering expenses regardless of who caused the accident
  • $20,000 for bodily injury caused by an uninsured auto per person
  • $40,000 for bodily injury caused by an uninsured auto per accident
  • $5,000 for damage caused by you or someone driving your car to someone else’s property

These compulsory coverages ensure Massachusetts's drivers are well-protected but also place the state's insurance mandates around the moderate level compared to other states.

Proof of Insurance

Massachusetts law does not specify a grace period for insuring new vehicles. ” 


The penalties for driving without mandatory insurance are severe, including fines between $500 and $5,000, license suspension, and even imprisonment for up to one year — underscoring the importance of maintaining continuous coverage.

Unlike some states, Massachusetts law does not specify a grace period for insuring new vehicles, highlighting the necessity for drivers to secure insurance immediately upon purchasing a new car to avoid lapses in coverage. 

Additional Coverage in Massachusetts

Given the state's unpredictable weather patterns — especially its harsh winters that can lead to deteriorating road conditions — many Massachusetts residents opt for additional coverage. This might include:

  • Underinsured motorist coverage protects you if you're in an accident caused by a driver whose insurance doesn't cover all damages.
  • Comprehensive and collision coverage offers peace of mind for damage from events beyond accidents, such as theft, vandalism, or environmental damage.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Massachusetts?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Massachusetts?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Massachusetts?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.