Car Insurance in Massachusetts
Find out if you're getting ripped off on your car insurance in less than two minutes.
Find insurance savings (100% Free)No long forms · No spam · No fees
4.7
App rating
25M
Insurance Quotes
2M+
Happy users
$15M+
Savings found every month
- Looking for cheap car insurance in Massachusetts?
- How much does car insurance cost in Massachusetts?
- Top auto insurance providers in Massachusetts
- What car insurance do you need in Massachusetts?
- How is your cost of car insurance determined in Massachusetts?
- How to save money on car insurance in Massachusetts
- Registering your car in Massachusetts
Load full table of contents
Looking for cheap car insurance in Massachusetts?
Massachusetts is one of 12 no-fault states, which means you must have insurance to cover accident costs regardless of who is at fault. Despite this, insurance rates in Massachusetts are fairly reasonable and tend to hover around the national average.
Location can be a significant factor when it comes to determining your insurance rates. As a result, comparing quotes in cities like Cambridge, Springfield, and Fall River will get you different rates—even for the same coverage.
Regardless of where you call home, Jerry can help you find the best deal on the coverage you need. And once you’re ready to make the switch, Jerry will take care of all the paperwork and phone calls to make the process as easy as possible.
The average Jerry user saves $879 per year on car insurance. But you don’t have to take our word for it—these are real quotes (and real savings!) from Jerry customers in Massachusetts:
| Quote Date | Car | City | Name | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|---|
| April 27, 2022 | Chevrolet Silverado K1500 LTZ | Walpole | Todd W. | 44 | Travelers | $125/mo. | $73/mo. |
| April 30, 2022 | Chevrolet Colorado Zr2 | Halifax | Barbara W. | 49 | Safeco | $120/mo. | $77/mo. |
| April 30, 2022 | Buick Encore | Charlestown | Polly R. | 50 | Travelers | $143/mo. | $80/mo. |
| April 25, 2022 | Lexus RX 350 | Brockton | James A. | 41 | Travelers | $160/mo. | $91/mo. |
| April 26, 2022 | Ford Escape Hev | Medford | Belle W. | 29 | Travelers | $144/mo. | $91/mo. |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
How much does car insurance cost in Massachusetts?
The average cost of basic liability car insurance in Massachusetts is $1,782 per year. If you opt for full-coverage car insurance in Massachusetts, you’ll be looking at an average cost of $2,039 per year.
How does the annual cost in Massachusetts compare to the rest of the country?
In comparison, across the country it costs, on average, $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
A few factors impact the cost of insurance in Massachusetts:
- Densely-populated state with many drivers living in urban areas where accidents are likely
- High cost of living means that medical care and car repairs tend to cost more
- More property damage and bodily injury claims than almost any other state
Here’s how Massachusetts’ insurance savings with Jerry stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| MA | $2,484 | $1,568 | $2,608 | $1,088 | $2,561 | $1,780 |
| National Average | $2,436 | $1,660 | $2,296 | $1,376 | $2,654 | $1,962 |
| MA | National Average | |
All Coverage Before Jerry | $2,484 | $2,436 |
All Coverage After Jerry | $1,568 | $1,660 |
Minimum Coverage Before Jerry | $2,608 | $2,296 |
Minimum Coverage After Jerry | $1,088 | $1,376 |
Full Coverage Before Jerry | $2,561 | $2,654 |
Full Coverage After Jerry | $1,780 | $1,962 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Top auto insurance providers in Massachusetts
Massachusetts has a large insurance industry with plenty of providers to choose from. Some of the most popular companies in the state include GEICO, Metlife, and Progressive.
That said, finding the right insurance company for you may take some time.
Each insurer has its own formula for determining insurance premiums. This means that five different quotes from five different companies will probably net you five very different rates.
Factors that have a significant impact on your rate include your age, driving record, and location.
What you drive also plays a role. If you’re insuring a Ford Explorer XLT, you’ll probably pay more for full-coverage insurance than you would for a Toyota Corolla because pricier vehicles cost more to insure.
Jerry customers have scored some great deals with popular car insurance companies in Massachusetts. Check out the savings:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Safeco | $2,961 | $1,121 | Compare Prices |
| Travelers | $2,699 | $1,023 | Compare Prices |
| Kemper | $3,056 | $956 | Compare Prices |
| National General | $1,803 | $428 | Compare Prices |
| Allstate | $2,560 | $419 | Compare Prices |
| Clearcover | $1,632 | $214 | Compare Prices |
| Nationwide | $2,220 | $71 | Compare Prices |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
What car insurance do you need in Massachusetts?
Each state has minimum insurance requirements that you must meet to drive legally. In Massachusetts, you need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $5,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
| Personal injury protection | $8,000 | Covers reasonable expenses and necessary medical procedures related to a car accident, no matter who is at fault |
| Uninsured motorist bodily injury | $20,000 per person / $40,000 per accident | Covers your medical expenses if you get into an accident with an uninsured driver |
If you hit the road without the mandatory minimum coverage, you could face some heavy penalties:
- Fine of up to $5,000
- Driver’s license suspension for up to one year
- Vehicle impoundment
- Up to one year in jail
- Financial liability in the event of an accident
Generally speaking, you should always purchase as much insurance as you can afford. Beyond the minimum requirements, here are some other coverage options to consider:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Rental reimbursement | Reimburses you for your rental car expenses while your car is being repaired after a claimable accident |
When you’re ready to purchase your car insurance, Jerry can help.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Sign-up is free and takes less than a minute. Then, Jerry finds you great deals on coverage from companies like Travelers and Safeco.
So, now that you know what type of insurance you need, let’s look at what will impact the cost.
How is your cost of car insurance determined in Massachusetts?
Various factors contribute to your final car insurance premium, including your age, driving record, zip code, and the type of vehicle you drive.
Cost to insure your car in Massachusetts by age
Insurance companies value experience since this reduces the chances of an accident. Since younger drivers have less experience and tend to engage in riskier behavior behind the wheel, insurance premiums tend to be high.
What young drivers in Massachusetts need to know
- Massachusetts has a graduated licensing system that helps new drivers develop skills and experience before they receive their full license
- Taking a defensive driving course can reduce driving risk and help young drivers qualify for lower insurance rates
- Maintaining a good average can qualify student drivers for a good student discount
If you’re a young driver, don’t worry! You may not get the same low rates as your parents, but you can still find affordable car insurance by shopping around and maintaining a clean driving record.
Regardless of your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers in Massachusetts by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,537 | $776 |
| 21-24 | $2,940 | $1,122 |
| 25-34 | $2,597 | $1,010 |
| 35-44 | $2,311 | $907 |
| 45-54 | $2,258 | $885 |
| 55-64 | $2,324 | $975 |
| 65+ | $1,944 | $883 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Cost to insure your car in Massachusetts with a poor driving record
One of the biggest factors in your insurance rate is your driving record. Accidents, speeding tickets, and major offenses like DUIs will cause your Massachusetts car insurance rates to rise—and they could stay that way for years.
This is because marks on your driving record make you a higher risk for insurance companies. How much risk depends on the nature of your violation.
Thankfully, you can still save money on your car insurance with a spotty record! Using Jerry is the fastest, easiest way to find cheap car insurance with a bad driving record.
Here are just some of the savings we found for customers with poor driving histories:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,821 | $1,056 |
| Speeding under 15 | $3,259 | $1,468 |
| Defective Equipment | $3,148 | $1,417 |
| Speeding over 15 | $4,758 | $1,407 |
| Seat Belt | $3,120 | $1,118 |
| Failure to Obey Traffic Sign | $2,867 | $956 |
| DUI | $1,920 | $909 |
| Illegal Turn | $3,048 | $778 |
| Wrong Way/Wrong Lane | $2,070 | $576 |
| Other | $3,599 | $1,535 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Cost to insure your car in Massachusetts based on where you live
Massachusetts is one of the most densely populated states in the country, with about 885 residents per square mile. And of the 6.9 million people who live in Massachusetts, about 70% are licensed to drive.
Perhaps unsurprisingly, your insurance rates can vary depending on where you live. Drivers in busy urban areas tend to pay more than drivers in rural areas since there are more opportunities for accidents, thefts, and claims.
So that means if you live in Boston or Cambridge, you’ll likely pay more than someone living in Monroe.
Check out the great rates that Jerry found in some of the largest cities in The Bay State:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Boston | $2,551 | $936 |
| Cambridge | $2,799 | $1,150 |
| Fall River | $2,607 | $960 |
| Haverhill | $2,531 | $904 |
| Lawrence | $2,918 | $1,038 |
| Quincy | $2,442 | $844 |
| Somerville | $2,283 | $877 |
| Springfield | $2,635 | $1,013 |
| Worcester | $2,472 | $973 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Cost to insure your car in Massachusetts based on the type of car you drive
Your vehicle also contributes to your car insurance rates. If you’re one of the many people in Massachusetts who drive an Accord, Camry, Civic, or Corolla, you already know that these cars are some of the most affordable to insure.
Relatively inexpensive cars usually have lower insurance premiums since they cost less to repair or replace if you’re in an accident. And if you don’t drive very often, your rates will be even lower since you’re less likely to get into an accident.
On the other hand, if you need to insure an expensive car like an Audi Q5 Premium then you’ll be ponying up more for your monthly premium.
Here’s what it costs to insure some popular makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Mercedes-Benz C 300 4Matic | $2,272 | $1,961 |
| Nissan Altima 2.5 | $2,446 | $1,927 |
| Honda Civic LX | $2,456 | $1,836 |
| Jeep Grand Cherokee Overland | $1,819 | $1,784 |
| Toyota Corolla L | $2,262 | $1,612 |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
How to save money on car insurance in Massachusetts
Whether you’re a new or experienced driver living in a city center or a farm town, there are a few easy ways to help reduce the cost of your car insurance in Massachusetts.
Shop around for quotes
Comparison shopping is the best way to find savings on your insurance policy. But it’s not always as easy as it sounds—and getting quotes from three to five different insurance companies can be a real hassle.
That’s where Jerry comes in!
Jerry is the super app that helps you save time and money on your car expenses, including insurance. You’ll just answer a few easy questions and then Jerry collects quotes, helps you complete the paperwork to finalize your switch, and even monitors rates to ensure you’re always getting the best price.
Look for discounts
Most insurance companies offer a range of discounts to help you reduce your premium. Here are some of the most popular discounts in Massachusetts:
| Discount | Who is eligible? |
|---|---|
| Good driver discounts | Good driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium. |
| Bundling discounts | Insuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%. |
| Defensive driver discounts | Most insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums. |
| Payment and billing discounts | Policyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium. |
| Good student discounts | Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer. |
| Continuous coverage discounts | Many insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more. |
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now
Increase your deductible
Increasing your deductible—that is, the amount you have to pay for a claim before your insurance kicks in—will lower your premium. But it doesn’t always make sense, so you’ll need to evaluate your financial situation first.
Before you inquire about raising your deductible, be sure that you can afford to pay the deductible in full each time you have to make a claim.
Registering your car in Massachusetts
To register your car in Massachusetts, you’ll need to visit your local DMV office. Ensure you have the following information:
- Valid driver’s license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Proof of a safety inspection
- Certificate of safety inspection and emissions test
You must renew your vehicle registration every one or two years, depending on the type of license plate you have. If you don’t want to visit the DMV, you can also renew online or by mail.
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
