What Is the Average Car Insurance Cost in Massachusetts? A Guide to Rates and Savings
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The average car insurance cost in Massachusetts is less than the national average. Even so, understanding the average car insurance costs in Massachusetts is essential for residents who want to budget effectively and find affordable auto insurance coverage. If you're a Massachusetts driver, learn what you need to understand auto insurance rates, annual premiums, coverage rates, and more.
Introduction to Car Insurance in Massachusetts
While the state has high minimum insurance requirements, the average cost of car insurance in Massachusetts is relatively low, at about $100 per month. Premiums for auto insurance in Massachusetts will vary based on age, location, coverage policy, and other factors. As in every other state, it helps to have a clean driving record if you are seeking the cheapest car insurance.
The Average Car Insurance Cost in Massachusetts
The average annual cost of car insurance in Massachusetts is about $1,850 for full insurance coverage and $500 for minimum coverage. Costs vary by insurance provider and driver.
Massachusetts is a state that does not consider credit scores when establishing car insurance rates. However, it does have several minimum insurance requirements:
- $20,000 bodily injury liability per person and $40,000 bodily injury per accident
- $5,000 property damage liability per accident
- $20,000 uninsured motorist bodily injury per person and $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury proportion
Drivers must pay careful attention to Massachusetts car insurance requirements in order to avoid fines and penalties.
Key Factors That Influence Car Insurance Rates
Your driving record is the top factor that influences car insurance rates in Massachusetts. Your insurance company can reference the state’s Safe Driver Insurance and Merit Rating Plan to increase your premium based on a variety of traffic violations. Simply put, from the insurer's point of view, the more traffic violations or at-fault accidents you have on your record, the more you are likely to accumulate in the future. A clean driving record is a big asset when it comes to lower car insurance rates.
Other factors that influence auto insurance rates in Massachusetts include:
- Age: Younger drivers are typically more expensive to insure because they are statistically more likely to get into accidents.
- Your driving habits: If you drive regularly for work, that is considered a higher risk than someone who spends less time in the car than the average driver.
- Vehicle: Your car’s make and model can impact insurance premiums, as newer cars and fancier cars are more expensive to repair or replace.
- Location: Where you live also matters. Areas with higher rates of auto theft lead to higher insurance rates as well. Lowell is one of the most expensive cities for Massachusetts car insurance, while Newton is one of the most affordable locations.
- Coverage types: Your total insurance coverage influences auto insurance rates. As you add or reduce coverage, your auto insurance rate will also adjust.
Tips for Saving on Car Insurance in Massachusetts
There are a number of ways you can reduce your insurance rates in Massachusetts:
- Be a safe driver. Drivers with clean records enjoy lower auto insurance premiums. Your insurance company might also provide an insurance discount if you submit proof of completing a defensive driving class.
- Bundle coverage. Most insurance companies offer discounts for bundling policies, whether it is multiple drivers on the same auto insurance policy or combined home and auto insurance.
- Do your research. You can find cheap car insurance in Massachusetts by comparing insurance rates and programs online to find the best option for your insurance needs.
- Adjust your coverage options. For example, you can increase your deductible, reduce your collision and comprehensive coverage, or eliminate substitute transportation coverage. Determine which forms of optional coverage make sense and which ones are unnecessary before signing on the dotted line.
How To Compare Car Insurance Quotes in Massachusetts
Consumers can compare insurance quotes in Massachusetts with a simple online search. Sites such as EverQuote offer you the ability to shop for car insurance online and review auto insurance quotes side by side so you can compare individual features. Take the time to research your insurance options before you make an ultimate decision.
Factors To Consider When Choosing Car Insurance Coverage
When selecting car insurance coverage, it is wise to look at your specific driving needs, your overall budget, and your driving record. Also take into account any other factors that influence car insurance, such as where you live and where you park your car.
It is also important to consider who else might be driving your car. Most forms of car insurance cover other occasional drivers, but it’s advisable to include any regular drivers on the policy.
You can always adjust your auto insurance as needed, for instance, if you get a new car, find yourself driving more, or move to another city.
Compare Car Insurance Quotes Now for Better Savings
EverQuote makes it easy to compare car insurance quotes online for better savings for Massachusetts drivers. Visit EverQuote to get custom auto insurance quotes, review car insurance quotes, and find the coverage options that meet your current and future needs.