Car Insurance in Massachusetts

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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 DateCarCityNameAgeCarrier
Before Jerry
After Jerry
April 27, 2022Chevrolet Silverado K1500 LTZWalpoleTodd W.44Travelers$125/mo.$73/mo.
April 30, 2022Chevrolet Colorado Zr2HalifaxBarbara W.49Safeco$120/mo.$77/mo.
April 30, 2022Buick EncoreCharlestownPolly R.50Travelers$143/mo.$80/mo.
April 25, 2022Lexus RX 350BrocktonJames A.41Travelers$160/mo.$91/mo.
April 26, 2022Ford Escape HevMedfordBelle W.29Travelers$144/mo.$91/mo.
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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
MANational 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
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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$1,121Compare Prices
Travelers$2,699$1,023Compare Prices
Kemper$3,056$956Compare Prices
National General$1,803$428Compare Prices
Allstate$2,560$419Compare Prices
Clearcover$1,632$214Compare Prices
Nationwide$2,220$71Compare Prices
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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:
CoverageAmountDescription
Bodily injury liability$20,000 per person / $40,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$5,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Personal injury protection$8,000Covers 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 accidentCovers 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:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Rental reimbursementReimburses 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
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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
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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
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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
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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:
DiscountWho is eligible?
Good driver discountsGood 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 discountsInsuring 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 discountsMost 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 discountsPolicyholders 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 discountsGood 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 discountsMany insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.
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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.

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