Despite being a no-fault state, car insurance rates in Massachusetts are pretty reasonable, coming in around the national average. To find the best rate, you’ll want to explore quotes from multiple companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Massachusetts. And if you want to learn more about car insurance rates in Massachusetts, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Massachusetts.
Cheapest minimum coverage car insurance in Massachusetts
The minimum required insurance coverage varies depending on your state laws. In Massachusetts, drivers must have the following:
$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$5,000 property damage liability per accident
$20,000 uninsured motorist bodily injury per person
$40,000 uninsured motorist bodily injury per accident
$8,000 personal injury protection
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Massachusetts:
Additional coverages you might want to consider when shopping for car insurance in Massachusetts
Coverage to consider
Blizzards and tropical storms
Comprehensive insurance coverage covers your vehicle should it sustain physical damage from weather events (or from vandalism or an accident).
Roadside assistance can help with everything from towing services to battery jumps to locksmith services if you accidentally lock your key inside your car. It’s particularly good for drivers who have long commutes.
High repair costs
Collision insurance will cover repair costs for your vehicle if you get into an accident while on the road.
Massachusetts includes bodily injury liability, property damage liability, uninsured motorist protection, and personal injury protection in its mandatory minimum requirements, but securing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Massachusetts
Driving without the mandatory minimum insurance is never a good idea. Massachusetts considers this a civil motor vehicle infraction, the penalties for which can include a fine of up to $5,000, license suspension for one year, and up to one year imprisonment. You’re also required to pay a fee of at least $500 to the assigned risk plan.
Luckily, premiums for minimum liability insurance are pretty reasonable.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Massachusetts:
Though the mandatory minimum insurance is all you need to drive in Massachusetts, securing full coverage can provide you with peace of mind and financial protection.
Cost to insure your car in Massachusetts by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Statistics show that young drivers are more likely to engage in risky behaviors and decisions behind the wheel. They’re also more likely than experienced drivers to get into car accidents.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Massachusetts is a no-fault state so drivers require a good deal of minimum coverage. The uninsured motorist protection and PIP add quite a bit to the cost.
The state also has fairly high repair costs. And since insurance companies are on the hook for most repairs, they pass on the cost to policyholders through higher premiums.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.