UPDATED: JULY 06, 2023 | 3 MIN READ
Massachusetts car insurance is well below the national average in the country. On average, car insurance across the nation is $1,771 per year for full coverage or $565 for minimum coverage. In Massachusetts, car insurance costs $1,296 for full coverage or $446 for minimum coverage. Getting car insurance in Massachusetts shouldn’t be stressful, and we’re here to walk you through the process.
Best Massachusetts Car Insurance Companies
It’s possible to find affordable car insurance in Massachusetts. We have the best insurers available for you if you want cheap rates for excellent customer service or both.
Cheapest Massachusetts Car Insurance Company: Hanover
Car insurance is affordable in Massachusetts. Hanover has the cheapest auto insurance in Massachusetts. For minimum liability coverage, it’s $387 yearly or $32 a month.
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Low number of customer complaints filed
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A variety of coverage options available
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Accident forgiveness available
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Good rates for young drivers
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Isn't available in all states
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Can't get quotes online
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No mobile app
Company With the Best Customer Service: USAA
Customer service is essential when looking for auto insurance in Massachusetts. USAA has the best customer service based on J.D. Powers’ 2021 U.S. Auto Insurance Study, with a score of 879 out of 1,000.
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Competitive rates for middle-aged and senior drivers
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Above-average customer satisfaction ratings
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Offers insurance, banking, and investment accounts
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Only available to active military, veterns, and their families
Company With the Best Discounts: GEICO
GEICO offers cheap car insurance in Massachusetts that also provides many discounts. There are many discounts, such as sign online, safe driver, multi-car, and pay-in-full. You also have the option to bundle your car, health, or home insurance to receive even more discounts. GEICO costs, on average, $2,038 yearly, which is 40% less than the average coverage in Massachusetts.
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Wide variety of discounts available
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Competitive rates for drivers with poor credit
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Good customer satisfaction ratings
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Accident forgiveness available
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Above-average rates for drivers with DUIs
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Doesn't offer rideshare coverage
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Lower-than-average bundling discount for people with GEICO auto and home policies
Local and Regional Insurance Carriers
Arabella Insurance
Arabella Insurance is a New England regional car insurance carrier. Fair and responsive, the insurer offers a variety of auto insurance options.
Coverages available include protection against damage, theft, vandalism, property loss, and injury to others. They offer no-fault coverage, GAP insurance, disappearing deductibles, and valuable discounts for Massachusetts drivers.
Plymouth Rock Insurance
Drivers from Boston to Salem and everywhere else within the Commonwealth of Massachusetts use Plymouth Rock Insurance for affordable auto coverage.
They sell the compulsory coverage Massachusetts requires, including bodily injury to others, personal injury protection, bodily injury caused by an uninsured auto, and damage to someone else’s property.
Massachusetts drivers also trust them for optional coverage such as limited collision, collision, comprehensive, medical payments coverage, and towing/labor. Discounts range from policy bundles, anti-theft devices, safe driving, and group car insurance savings.
Safety Insurance
Safety Insurance is a regional carrier for Massachusetts and other areas of New England. A broad spectrum of auto insurance coverages from the provider meet Massachussets’ requirements, plus offers additional protections.
With Safety Insurance by your side, you’ll feel safe driving along Massachusetts waterways, historic districts, and bustling cities. The insurer offers coverages such as rental vehicle loss of income coverage, guaranteed replacement cost, personal effects, emergency road travel expenses, and supplemental towing and labor.
Safety Insurance features auto insurance discounts for safe driving, multiple policies, good students with a B or better average, and electronic billing.
Massachusetts Insurance Demographics
There are certain demographics associated with getting auto insurance in Massachusetts. Below are demographics that are considered in the cost of auto insurance in Massachusetts.
- Crime Rates: Massachusetts is considered one of the safest states in the U.S. and has a violent crime rate lower than the whole country.
- Average Household Income: The average household income is $115,964. The median household income is $84,385.
- Median Age Range: The median age range is 39.4 years of age.
- Education: Massachusetts is the most educated state in America, with the highest number of bachelor-degree holders.
Common Risk Factors In Massachusetts
Common risk factors in Massachusetts that increase auto insurance rates:
- Distracted driving
- Driving under the influence
- Speeding
- Racing
- Reckless driving
- Property damage
- At-fault accidents
Auto Insurance Laws In Massachusetts
Auto insurance laws in Massachusetts are in place to protect motorists. Breaking the auto insurance laws means penalties, fines, suspensions, and even jail time.
What are the minimum car insurance requirements in Massachusetts?
The minimum car insurance requirements for Massachusetts include the following:
- $40,000 for bodily injury per accident from an uninsured motorist
- $20,000 for bodily injury per person
- $40,000 for bodily injury per accident
- $20,000 for bodily injury per person from an uninsured motorist
- $5,000 for property damage per accident
- $8,000 for personal injury protection
Am I required to carry uninsured motorist coverage in Massachusetts?
Massachusetts requires mandatory coverage for uninsured drivers. The minimum requirement is $20,000 per person and $40,000 for bodily injury per accident.
Massachusetts SR-22 policies
An SR-22 is a legal requirement in Massachusetts if you’ve had a DUI conviction or ticket for driving without insurance. It’s not an insurance policy but a form issued by your insurance company to ensure that you remain insured.
Is Massachusetts a no-fault state?
Massachusetts is a no-fault state. That means you can claim if you’re in an accident, regardless of the fault.
What happens if my vehicle isn’t properly insured in Massachusetts?
Driving without insurance is illegal in Massachusetts. Driving without insurance may result in the following consequences:
- $500 fine for the first offense
- A fine of $500-5,00 for subsequent offenses
- An additional $70 in fees if you need a hearing
- An additional $500 in fees to the state’s assigned risk plan
- Suspension of your license for 60 days
- A $500 reinstatement fee for each offense
- Possible jail time of up to one year
Does Massachusetts accept digital insurance cards?
Massachusetts is one of the states that allows you to present a digital insurance card as proof of insurance. New Mexico is one of the only ones left that refuse a digital insurance card.
How Much Does Car Insurance In Massachusetts Cost?
There are many great options for cheap car insurance in Massachusetts. Rates vary depending on many factors, including where you live, your driving record, credit score, age, gender, and the insurer you choose.
Average Cost of Car Insurance In Massachusetts By City
Car insurance in Massachusetts varies depending on what city you live in. Below are some examples of the differences in rates depending on your city.
| City | Average Massachusetts Car Insurance Cost | Difference From Massachusetts Average |
|---|---|---|
| Boston | $1,555 | 17% |
| Cambridge | $1,304 | 1% |
| Lowell | $1,367 | 5% |
| Quincy | $1,444 | 10% |
| Springfield | $1,710 | 24% |
Average Cost of Car Insurance In Massachusetts By Company
Not all insurers are created equal, and rates many vary from company to company. Below are examples of the different rates that companies offer.
| Car Insurance Company | Average Liability-Only Premium (Annually) | Average Full-Coverage Premium (Annually) |
|---|---|---|
| Allstate | $426 | $1,473 |
| Amica | $427 | $1,478 |
| GEICO | $494 | $1,110 |
| Progressive | $751 | $1,905 |
Average Cost of Car Insurance In Massachusetts By Age
Age is a huge determining factor in your car insurance in Massachusetts. The older you’re, the cheaper your car insurance is because you’re considered an experienced driver.
| Age | Average Full-Coverage Premium (Annually) |
|---|---|
| Age 16 | $2,002 |
| Age 17 | $1,850 |
| Age 20 | $3,127 |
| Age 22 | $1,716 |
| Age 25 | $1,451 |
| Age 30 | $1,345 |
| Age 35 | $1,260 |
| Age 40 | $1,223 |
| Age 60 | $1,176 |
Average Cost of Car Insurance In Massachusetts By Gender
Gender doesn’t significantly impact car insurance in Massachusetts but is used as a pricing factor. Massachusetts, however, banned the use of gender as a rating factor by insurers, so both men and women pay the same amount for car insurance in Massachusetts.
| Gender | Average Full-Coverage Premium (Annually) |
|---|---|
| Male | $1,150 |
| Female | $1,150 |
Average Cost of Car Insurance In Massachusetts By Credit Score
Insurers use credit scores to determine how reliable a customer is. Data trends suggest that drivers with excellent credit often are more dependable drivers. Data suggest that they file claims less often, so insurers don’t have to pay claims.
| Credit Score | Average Annual Premium |
|---|---|
| Very Poor | $1,150 |
| Fair | $1,150 |
| Good | $1,150 |
| Very Good | $1,150 |
| Great | $1,150 |
Average Cost of Car Insurance In Massachusetts By Driving Record
Your driving record has a huge affect on your car insurance rates. If you’re a safe driver, you likely pay less car insurance in Massachusetts than if you have a bad driving record.
| Driving Incident | Average Full-Coverage Premium (Annually) | % Increase In Average Full-Coverage Premium |
|---|---|---|
| Clean Driving Record | $1,296 | 0% |
| Speeding Ticket | $1,716 | 24% |
| At-Fault Accidents | $2,169 | 40% |
| DUI | $2,465 | 47% |
What Optional Massachusetts Auto Insurance Coverages Should You Consider?
There are great options for optional coverage for car insurance in Massachusetts:
- Collision
- Optional Bodily Injury
- Comprehensive
- Limited Collision
- Underinsured Motorist Bodily Injury
- Loan/Lease Payoff
- Roadside Assistance
- Rental Car Reimbursement
- Medical Payments
What Auto Insurance Discounts To Look For In Massachusetts
There are many discounts for auto insurance in Massachusetts based on the car you own, how you drive, and the insurer you choose. Policy bundling includes good driver, driver education, new driver discounts, low-mileage discounts, anti-theft device discounts, and multi-car discounts.
FAQs
How much is car insurance monthly in MA?
Yes, if you have someone else drive your car, and they get into an accident, in most cases, your policy pays for the damages.
Is car insurance in MA expensive?
No, car insurance in Massachusetts is considered one of the cheapest in the nation.
What is full coverage auto insurance in MA?
It’s usually defined as a policy that provides more than the minimum. Full coverage also includes comprehensive and collision insurance.
Is MA a no-fault accident state?
Massachusetts is a no-fault state. That means you can make a claim if you’re in an accident, regardless of the fault.
Can someone else drive my car in Massachusetts?
Yes, someone else is allowed to drive your vehicle and is covered under your insurance in the case of an accident.
How To Purchase Massachusetts Car Insurance
Car insurance in Massachusetts is easy to purchase. Use our online quote tool to get several car insurance quotes and choose the best one for you.
