The average annual car insurance rate in Massachusetts is $2,312 per year, according to our analysis, but you may pay more or less depending on your risk profile. Massachusetts insurers consider several factors when setting rates, including your driving record, years licensed, ZIP code, vehicle, annual mileage and coverage selections. Drivers living in congested cities, such as Boston or Worcester, will likely pay higher car insurance rates than those in rural and suburban areas.
The state prohibits companies from considering some factors to set rates, including gender, age and credit information.
In terms of affordability by state, Massachusetts is near the middle of the pack based on a ratio of average auto insurance expenditures to median household income, according to the Insurance Research Council.
Because this report focuses on the cheapest car insurance in Massachusetts, we have displayed the lowest average rates. Statewide averages include average rates for the following companies: Plymouth Rock, Geico, USAA, Progressive, N&D Group, Quincy Mutual, Amica, Safety Insurance, Arbella Insurance, Farmers, Travelers, The Hanover, Allstate and Vermont Mutual Insurance.
Compare Car Insurance Quotes
Get free personalized quotes with one simple form.
As of July 1, 2025, property damage, bodily injury and uninsured motorist state minimum requirements have gone up. Drivers in Massachusetts must meet these requirements to operate a vehicle in the state. The required coverages and their minimum limits include:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $30,000 per accident
- Uninsured motorist coverage: $25,000 per person/$50,000 per accident
- Personal injury protection: $8,000 per person, per accident
Bodily injury liability covers expenses resulting from injuries to another person when you are at fault in an accident. Property damage liability covers damage you cause to someone else’s property. Uninsured motorist insurance covers your injuries when you’re in an accident with an at-fault driver who doesn’t have insurance.
Massachusetts is a no-fault state meaning you’ll file a claim with your insurance company after an accident even if you’re not at fault. Regardless of who causes an accident, personal injury protection, known as PIP coverage, will pay medical expenses, lost wages and other related costs for you and your passengers.
Additional Car Insurance Coverage To Consider in Massachusetts
Beyond the state‘s minimum insurance requirements, other types of coverage are available. Some of these include:
Collision
Collision coverage pays to repair or replace your vehicle when it’s damaged in a collision with another vehicle or a stationary object, like a fence. No state requires collision coverage, but if you finance or lease a vehicle, your lender or lessor likely will.
Comprehensive
This pays for damage caused by something other than a collision, such as fire, flooding or vandalism. Comprehensive also covers theft. Like collision, it’s not mandated by states but is typically required by lenders and lessors.
Underinsured Motorist
This provides coverage for your expenses if you’re in an accident caused by a driver who doesn’t have enough coverage.
Medical Payments
Medical payments coverage, known as MedPay, pays accident-related medical expenses for you and your passengers.
Roadside Assistance
This is offered by many auto insurers, usually as an add-on coverage. It can cover battery jump-starts, assistance if you’re locked out of your vehicle, fuel delivery if you run out of gas and other roadside emergencies. Specifics may vary by insurer.
Rental Car Coverage
This is another commonly available optional coverage. It can pay for your rental car while your vehicle is being repaired after a covered incident. Coverage limits and other specifics can vary.
Risks of Getting Minimum Coverage
There are a number of useful coverages available that aren’t included in a Massachusetts minimum car insurance policy.
“Carrying only the state minimum coverage can leave you significantly exposed in the event of an accident. If you’re found at fault and the damages exceed your coverage limits, you could be personally responsible for the remaining costs. This opens the door to potential civil lawsuits, where your future wages, savings or other personal assets could be at risk. Minimum coverage often isn’t enough to fully protect you financially,” says Tortorici.
Compare Car Insurance Quotes
Get free personalized quotes with one simple form.
When shopping for car insurance, there are some steps you can take to help you find the most affordable rate:
Comparing quotes from multiple companies can help you find the best rate on the coverage you need. Be sure to compare quotes for the same types and amounts of coverage for an accurate comparison.
You’ll generally pay less for coverage if you maintain a clean record. Speeding tickets and other violations can cause your costs to go up.
Most insurers offer discounts. These vary by company, so it’s a good idea when shopping for coverage to learn about available discounts.
Raising a policy’s deductible can reduce your premium. Just be sure your deductible is an amount that you can comfortably afford unexpectedly.
Many insurers offer programs that can tailor a rate to your driving habits. Some offer a discount for safe driving, while others provide savings is you’re a low-mileage driver. See if your insurer offers one of these programs and decide if it’s worth it based on your driving habits.
If a driver is unable to obtain car insurance on the market – for example, due to their driving record – they can seek coverage through the Massachusetts Auto Insurance Plan, shortened to MAIP. This plan helps drivers who can’t get car insurance on the voluntary market, where an insurance company voluntarily writes them a policy.
The MAIP is an involuntary market. A driver is assigned to a company through the plan that then has to write them a policy, except in rare circumstances.
