Car Insurance in Massachusetts: When it comes to protecting yourself and your vehicle, having the right car insurance is crucial.
Not only is car insurance required by law in Massachusetts, but it also provides essential financial protection in the event of an accident. However, finding the right policy at the best price can be a challenge.
This guide will walk you through everything you need to know about car insurance in Massachusetts, including how to get a free quote, what coverage you need, and tips for lowering your premiums.
What is Car Insurance?
Car insurance is a contract between you and an insurance company. In exchange for paying a premium, the insurer agrees to cover certain costs associated with accidents, theft, and other damages to your vehicle. Different types of coverage are available, ranging from basic liability insurance to more comprehensive plans that protect your vehicle from a wide array of risks.
Car Insurance Requirements in Massachusetts
Massachusetts has specific car insurance requirements that all drivers must meet. These requirements include:
- Bodily Injury to Others: You must carry at least $20,000 per person and $40,000 per accident in coverage.
- Personal Injury Protection (PIP): This covers medical expenses for you and your passengers, regardless of who is at fault, with a minimum of $8,000 in coverage.
- Bodily Injury Caused by an Uninsured Auto: You need at least $20,000 per person and $40,000 per accident in coverage.
- Property Damage Liability: You must have at least $5,000 to cover damage you cause to someone else’s property.
Massachusetts is a no-fault state, meaning that each driver’s insurance covers their own medical expenses after an accident, regardless of who caused it.
Types of Car Insurance Coverage Available in Massachusetts
Massachusetts drivers have access to several types of car insurance coverage:
- Liability Coverage: Covers damages to other people and their property if you’re at fault.
- Personal Injury Protection (PIP): Covers medical expenses for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re in an accident with someone who doesn’t have insurance or lacks sufficient coverage.
- Collision Coverage: Pays for damage to your car if you’re involved in an accident.
- Comprehensive Coverage: Covers non-collision-related incidents, such as theft, vandalism, and natural disasters.
How Car Insurance Works in a No-Fault State
In Massachusetts, being a no-fault state means that when an accident happens, each driver’s insurance covers their own medical bills and lost wages, regardless of who caused the accident. This setup is intended to simplify the claims process and reduce the number of lawsuits. However, you can still be sued if someone else’s damages exceed their PIP limits.
Optional Car Insurance Coverage
Although Massachusetts law requires certain minimum coverages, drivers may also consider optional coverage for better protection:
- Medical Payments Coverage: Covers additional medical expenses beyond PIP limits.
- Rental Reimbursement: Pays for a rental car while your vehicle is being repaired.
- Towing and Labor Coverage: Covers the cost of towing your car if it breaks down or needs roadside assistance.
What are the best car insurance companies in Massachusetts?
The competition in Massachusetts was tight, with several strong contenders, but we ultimately named State Farm the top car insurance provider in the state. This decision was based on a blend of consumer feedback, third-party ratings from JD Power, Trustpilot, and AM Best, as well as considerations like available discounts and coverage options. Below, we’ve outlined the pros and cons of State Farm, along with other highly rated insurers in Massachusetts.
Overall best car insurance company in Massachusetts— State Farm
State Farm earned the title of best overall car insurance in Massachusetts. We gave it the top spot thanks to its combination of affordable rates, extensive coverage options, and strong customer satisfaction, backed by trusted sources like J.D. Power. If you’re looking for a balance of value and reliability, State Farm ticks all the boxes.
Pros
- Competitive rates for all Massachusetts drivers
- High customer satisfaction scores from J.D. Power in the New England region
- Lower than average complaints for auto insurance according to the NAIC
Cons
- Rates may increase if you move to another state
- Less custom coverage options
Best car insurance in Massachusetts — honorable mentions
Though State Farm claimed the top spot, several other insurers performed impressively. Amica, in particular, is a great choice for drivers who value strong customer service reputations— it received the highest score for claims satisfaction from J.D. Power, and ranked admirably in The Zebra’s own Customer Satisfaction Survey. The table below highlights quotes from other excellent choices for Massachusetts car insurance companies.Best car insurance companies in MA — honorable mentions
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| Amica Mutual | $836 | $139 |
Cheap full coverage in Massachusetts
In Massachusetts, a full coverage auto insurance policy will run you about $800 for six months of coverage. Because of this reasonable rate, 73% of Zebra customers in Massachusetts chose full coverage policy quotes. Our data states that State Farm offers cheap rates in Massachusetts for full coverage.
Full coverage quotes in MA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $266 | $44 |
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| USAA | $772 | $129 |
| Amica Mutual | $836 | $139 |
| Progressive | $860 | $143 |
| Allstate | $1,250 | $208 |
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Massachusetts, a comprehensive insurance policy with a $500 deductible costs $800, 207% more than liability-only car insurance.
Cheap Liability Insurance in Massachusetts
Car insurance is mandatory in almost every state, including Massachusetts. If you choose the legal minimum coverage level in Massachusetts, expect to pay an average of $261 every six months. This expenditure is less expensive than the nationwide average by 29%. The cheapest car insurance company in Massachusetts for liability-only coverage is State Farm.
Liability insurance quotes in MA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $266 | $44 |
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| USAA | $772 | $129 |
| Amica Mutual | $836 | $139 |
| Progressive | $860 | $143 |
| Allstate | $1,250 | $208 |
Car insurance in popular Massachusetts cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Northfield, Massachusetts, and the most expensive in Roxbury, Massachusetts.
Have a look at the table below to see average car insurance costs in some of Massachusett’s biggest cities.Auto insurance quotes in Massachusetts’ biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Springfield | $1,112 | $185 |
| Worcester | $1,055 | $176 |
| Boston | $990 | $165 |
| Lowell | $942 | $157 |
| Cambridge | $867 | $145 |
Car insurance price trends in Massachusetts
Massachusetts car insurance trends have remained relatively stable over the past five years, with annual increases never exceeding $75 since 2019. Notably, average premiums actually dropped by $65 in 2020 and by $31 in 2023. However, rates have started climbing again in the past year. These increases are likely driven by the rising number of high-end vehicles— which come with costly replacement parts— the state’s vulnerability to extreme weather, and the impact of Massachusetts’ no-fault insurance system.
Car insurance costs in Massachusetts since 2015
| Year | Avg. Annual Premium — Massachusetts | Yearly Change — Massachusetts |
|---|---|---|
| 2024 | $1,432 | $45 |
| 2023 | $1,387 | -$31 |
| 2022 | $1,418 | $72 |
| 2021 | $1,346 | $43 |
| 2020 | $1,303 | -$65 |
| 2019 | $1,368 | $41 |
| 2018 | $1,327 | -$469 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Cheap auto insurance for teens and young drivers in Massachusetts
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Massachusetts, teen drivers pay especially high rates: $4,475 per year — that’s $321 less than the nationwide average and over twice as much as a typical Massachusetts driver.
Although teens face higher rates across the board, the best way to secure the most affordable option is to compare quotes from multiple companies.
Massachusetts car insurance for teens
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $795 | $132 |
| Plymouth Rock | $1,715 | $286 |
| USAA | $1,958 | $326 |
| GEICO | $2,046 | $341 |
| Amica Mutual | $2,447 | $408 |
| Progressive | $3,082 | $514 |
| Allstate | $4,575 | $762 |
Massachusetts auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $931 per year. According to our data, State Farm stands out as the best choice for customers with an accident on their record who are seeking affordable rates.
Best insurance companies in MA after an at-fault accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $416 | $69 |
| Plymouth Rock | $1,005 | $168 |
| GEICO | $1,056 | $176 |
| USAA | $1,101 | $184 |
| Progressive | $1,333 | $222 |
| Amica Mutual | $1,340 | $223 |
| Allstate | $2,062 | $344 |
Tip: Don’t forget about claims satisfaction
While we all hope to never use our insurance, having a smooth experience when needed is essential. In our Customer Satisfaction Survey, we measured the satisfaction of those who filed claims. AAA and USAA stood out, making each a strong contender for residents of Massachusetts.
In Massachusetts, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.
Massachusetts auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| One Med/PIP claim | $1,599 | $0 |
| None | $1,599 | $0 |
| One comp claim | $1,644 | $45 |
| Two Med/PIP claims | $1,644 | $45 |
| Not-at-fault accident | $1,649 | $50 |
| Two comp claims | $1,706 | $107 |
| At-fault accident – less than $1000 | $1,765 | $166 |
| Driving without lights | $1,828 | $228 |
| Child safety restraint | $1,828 | $228 |
| Failure to wear a seat belt | $1,850 | $251 |
| Texting while driving | $1,976 | $377 |
| Cell phone violation | $1,976 | $377 |
| Speeding 6 – 10 MPH over limit | $1,987 | $387 |
| Speeding 11 – 15 MPH over limit | $1,988 | $388 |
| Speeding 16 – 20 MPH over limit | $1,988 | $388 |
| Speeding in school zone | $1,988 | $389 |
| Driving too slowly | $1,988 | $389 |
| Failure to yield | $1,995 | $396 |
| Failure to stop at a red light | $1,995 | $396 |
| Wrong way/wrong lane | $1,995 | $396 |
| Following too closely | $1,995 | $396 |
| Illegal turn | $1,996 | $397 |
| Improper passing | $1,996 | $397 |
| Speeding 21 – 25 MPH over limit | $2,003 | $404 |
| In 65 MPH zone | $2,003 | $404 |
| Operating a vehicle without permission | $2,015 | $416 |
| Passing school bus | $2,094 | $495 |
| At-fault accident – $1000-$2000 | $2,471 | $872 |
| Failure to show documents | $2,523 | $924 |
| At-fault accident – greater than $2000 | $2,530 | $931 |
| Driving with expired registration | $2,546 | $946 |
| Open container | $2,684 | $1,085 |
| Reckless driving | $2,907 | $1,307 |
| Refusal to submit to a chemical test | $2,968 | $1,368 |
| Driving with a suspended license | $3,078 | $1,478 |
| Racing | $3,078 | $1,479 |
| DUI | $3,095 | $1,495 |
| Leaving scene of an accident/hit and run | $3,135 | $1,536 |
Factors That Affect Car Insurance Rates in Massachusetts
Several factors influence your car insurance premiums in Massachusetts, including:
- Driving Record: A clean driving record will help you secure lower rates.
- Age and Gender: Young, inexperienced drivers typically pay more, as do males in certain age groups.
- Location: Urban areas with higher traffic or theft rates may result in higher premiums.
- Vehicle Type: High-performance or luxury cars often come with higher premiums.
- Credit Score: While less important in Massachusetts than in other states, a good credit score can still help reduce your premium.
How to Get a Free Car Insurance Quote in Massachusetts
Getting a free car insurance quote is a quick and straightforward process. Here’s a step-by-step guide:
- Gather Information: You’ll need details about your car (make, model, year), your driving record, and your personal information.
- Visit Insurance Websites: Many insurers offer free online quote tools. Enter your information to get an estimate.
- Compare Quotes: Don’t settle for the first quote you get. Compare offers from multiple insurers to find the best deal.
- Speak with an Agent: If you prefer, you can also get a free quote by talking to a licensed insurance agent.
The Benefits of Comparing Car Insurance Quotes
Comparing quotes from different insurance companies is one of the smartest things you can do when shopping for car insurance. Why? Because premiums can vary significantly from one insurer to another. By comparing, you’ll:
- Save Money: Find the most affordable rate that fits your needs.
- Customize Coverage: Ensure you get the right balance of coverage at a price you can afford.
- Find Discounts: Some insurers offer discounts that others may not, such as safe driver or multi-policy discounts.
Discounts Available on Massachusetts Car Insurance
There are several ways to save money on car insurance in Massachusetts, including:
- Safe Driver Discounts: If you maintain a clean driving record, you may qualify for lower rates.
- Multi-Policy Discounts: Bundling your car insurance with home or renters insurance can result in discounts.
- Low Mileage Discounts: If you don’t drive often, some insurers offer reduced premiums for low mileage.
- Defensive Driving Course Discounts: Completing a state-approved defensive driving course may lower your insurance premium.
Tips for Reducing Your Car Insurance Premiums
If you’re looking to lower your premiums, consider these tips:
- Bundle Your Policies: Insurers often offer discounts if you combine car insurance with other types of insurance.
- Maintain a Clean Driving Record: Avoid accidents and traffic violations to keep your rates low.
- Increase Your Deductible: A higher deductible means a lower premium, though you’ll pay more out of pocket if an accident occurs.
- Install Safety Features: Cars equipped with anti-theft devices, airbags, or anti-lock brakes often qualify for discounts.
How Massachusetts Laws Impact Car Insurance
Massachusetts has specific laws that impact car insurance. For instance, the state mandates no-fault insurance, meaning that personal injury claims are handled by each driver’s insurance. Additionally, new laws periodically come into effect that can influence coverage requirements or pricing structures.
Common Car Insurance Mistakes to Avoid
When shopping for car insurance, avoid these common pitfalls:
- Not Comparing Enough Quotes: Don’t rely on just one quote—always shop around.
- Choosing Minimum Coverage: The minimum coverage may not fully protect you in case of a serious accident.
- Overlooking Optional Coverages: Don’t skip valuable optional coverages like collision and comprehensive just to save a few dollars.
What to Do After an Accident in Massachusetts
If you’re involved in an accident, follow these steps to file a claim:
- Document the Scene: Take photos and gather contact information from other drivers.
- Report the Accident: Notify your insurance company as soon as possible.
- Follow Massachusetts Law: You may need to file a Motor Vehicle Crash Operator Report if the accident caused injury or property damage over $1,000.
FAQs about Car Insurance in Massachusetts
Is car insurance mandatory in Massachusetts?
Yes, Massachusetts law requires all drivers to carry a minimum level of car insurance, including coverage for Bodily Injury, Property Damage, and Personal Injury Protection (PIP).
What is the minimum car insurance requirement in Massachusetts?
The minimum coverage includes $20,000 per person and $40,000 per accident for bodily injury, $5,000 for property damage, and $8,000 for personal injury protection (PIP).
How can I lower my car insurance premium in Massachusetts?
You can lower your premium by maintaining a clean driving record, bundling policies, taking advantage of discounts, increasing your deductibles, or shopping around for better rates.
Does Massachusetts use a no-fault system?
Yes, Massachusetts follows a no-fault insurance system, meaning your insurance covers your injuries and damages regardless of who caused the accident.
What factors affect car insurance rates in Massachusetts?
Rates are influenced by factors such as your age, driving record, location, type of vehicle, and coverage levels.
Conclusion
In summary, car insurance in Massachusetts is not only a legal requirement but also an essential safeguard for your financial protection. Having the right coverage ensures that you are prepared for unexpected events like accidents or damages.
It’s crucial to shop for the best car insurance, as it allows you to balance comprehensive coverage with an affordable price. By doing so, you can protect yourself, your passengers, and your vehicle, all while staying within your budget.
Finding the best car insurance deal in Massachusetts gives you peace of mind and confidence on the road.
References
For further reading and to validate the information provided in this article, we recommend checking out the following reputable sources on car insurance in Massachusetts:
- Massachusetts Division of Insurance – Offers detailed guidelines on car insurance regulations in Massachusetts. Visit the official site.
- Consumer Financial Protection Bureau – Provides helpful insights on consumer rights and insurance policies. Read more here.
- Insurance Information Institute – A reliable resource for understanding car insurance options and coverage types. Explore more.
- Massachusetts Registry of Motor Vehicles (RMV) – For official requirements related to vehicle insurance in the state. Learn more.
These sources will help you make well-informed decisions about car insurance in Massachusetts.
