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Cheapest Car Insurance in Massachusetts (Oct 2024)
Cheapest Car Insurance in Massachusetts (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Massachusetts.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Massachusetts
- Cheapest car insurance companies in Massachusetts
- Massachusetts Car Insurance Coverage Requirements
- Massachusetts Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Massachusetts?
- Car Insurance for High-Risk Massachusetts Drivers
- Car Insurance for Massachusetts Drivers With DUI
- Car Insurance for Massachusetts Drivers With a Coverage Lapse
- Car Insurance for Massachusetts Drivers With a Low Credit Score
- Massachusetts Car Insurance Cost by Age
- Massachusetts Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Massachusetts Insurance Cost by Zip Code
- How to lower the cost of car insurance in Massachusetts
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Massachusetts
There’s no single insurance provider that offers the best rate for every driver, so finding an affordable rate can sometimes be tricky. The easiest and most convenient way to find cheap auto insurance without compromising coverage is to shop around and compare
car insurance quotes
with an online comparison tool.| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Travelers | $172 | Mae, 25 | Nissan Maxima S | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $71 | Genevieve, 29 | BMW 535i | • No Coverage Liability |
| Bristol West | $108 | Keith, 24 | Toyota Camry LE | • State Minimum Liability |
| National General | $101 | Nettie, 25 | Nissan Rogue SV | • 50,000/100,000 Liability • Comp / Collision |
Clearcover | $63 | Dollie, 29 | Subaru BRZ 2.0 Limited | • 100,000/300,000 Liability |
Last Updated Oct 4, 2024Cheapest car insurance companies in Massachusetts
Finding the best rate for car insurance is a tricky task. Luckily, Jerry conducted a national insurance survey to uncover the best providers for drivers.
The study shows that there isn’t a “best” or “cheapest” insurance company for every driver. Rather, auto insurance companies use different algorithms to calculate insurance rates, so not every company will offer the same rate for the same driving profile.
In Massachusetts,
Liberty Mutual
, ROOT, and National General
usually offers the cheapest rate for drivers, but other providers like Progressive
, Travelers
, and USAA
may also offer competitive rates. Here’s what drivers have to say about these insurance providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Encompass | October 5, 2024 | 5 | "Good company with good discounts." -Francisco |
| Nationwide | October 1, 2024 | 5 | "Great service " -Nora |
| Progressive | September 30, 2024 | 5 | "Not want to spend like 600 for insurance but it’s what ever " -Mayme |
| GEICO | September 30, 2024 | 5 | "Love my car insurance and Jerry app so easy to navigate it " -Virginia |
| Aspire Advantage | September 29, 2024 | 4 | "Fast and friendly agents get you on the road fast " -Frances |
Last Updated Oct 5, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for insurance quotes online and don’t want to deal with the hassle of phone calls and emails, try a car insurance comparison app or website.
Jerry Insurance Agency is the leading
car insurance comparison app
that makes it quick and easy to shop for insurance quotes
. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents to help you find the best coverage options for the best rate, 24/7.Minimum car insurance requirements for liability and full coverage in Massachusetts
Before you can get behind the wheel of a car in Massachusetts, you must have car insurance that meets the state’s minimum insurance requirement.
Massachusetts car insurance laws
require drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). However, drivers may also choose to purchase full-coverage auto insurance
for greater financial protection.Cheapest minimum liability coverage in Maryland
Massachusetts’ minimum liability insurance requirements follow a 20/40/5 pattern—drivers must have the following:
- $40,000 bodily injury liability per accident
Jerry helps you find affordable car insurance in Massachusetts. Check out the table below to see how Jerry recently helped several drivers find liability insurance coverage.
Do you need more than the minimum liability insurance coverage in Maryland?
Massachusetts minimum car insurance requirements are low compared to other states, so most drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.
If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled can cost more than $50,000, while medical expenses can quickly exceed $5,000.
The bottom line: For better financial protection, Massachusetts drivers should purchase car insurance that exceeds the minimum state requirements—50/100/50 or even 100/200/100—or consider purchasing a full-coverage policy.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Massachusetts auto insurance quotes
Buying a full coverage car insurance policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.
A full coverage policy in Massachusetts includes liability insurance plus
comprehensive
and collision coverage
:- Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
- Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you lease your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
Check out the table below for some examples of where Jerry helped Massachusetts drivers find affordable full-coverage insurance policies.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Travelers | $236 | Derek, 28 | Honda Accord EXL |
• 50,000/100,000 Liability • Comp / Collision | Allstate | $110 | Mamie, 22 | Hyundai Elantra GT |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $194 | Mittie, 29 | Mini Cooper |
• 15,000/30,000 Liability • Comp / Collision | AAA | $247 | Shane, 31 | Nissan Versa S |
• 50,000/100,000 Liability • Comp / Collision | National General | $101 | Nettie, 25 | Nissan Rogue SV |
Last Updated Oct 4, 2024Average rates for minimum liability coverage and full coverage car insurance in Massachusetts
We’ve worked with several top insurance providers in Massachusetts and found that the average cost of minimum liability coverage is $0per month or $0 per year. The average cost for full coverage insurance in Massachusetts is $0per month or $0 per year.
The average cost of car insurance in Massachusetts is indicative of what you can expect to pay—but because insurance costs are determined by several factors like age and driving record, you may pay more or less. Rates will also vary between providers.
Massachusetts car insurance: Additional coverages
Massachusetts drivers are required to carry the minimum insurance requirements, which include liability insurance and personal injury protection (PIP). If you opt for a full-coverage policy, you’ll also have collision and comprehensive insurance.
For additional financial protection, Massachusetts drivers should consider:
- Medical payments (MedPay)
- Rental reimbursement
- Towing and labor
- Accident forgiveness
If you have a loan on your car:
Gap insurance
helps cover the difference between the car's actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.How Do Different Factors Impact Your Car Insurance Costs in Massachusetts?
How Do Different Factors Impact Your Car Insurance Costs in Massachusetts?
Allowed (with applicable limitations): driving experience, zip code, insurance history
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status
Learn more abut the car insurance rating factors in Massachusetts:
How to find cheap Massachusetts car insurance if you’re a high-risk driver
A violation on your driving record is never idea—and it can have significant consequences for your car insurance rates.
A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates.
Cheapest car insurance for Massachusetts drivers with a speeding ticket
The minimum fine for a speeding ticket in Massachusetts is $100. Drivers pay $10 for every 10 mph over the speed limit they are caught driving.
Here’s a breakdown of the fines:
- 8 mph over speed limit: $100
- 10 mph over speed limit: $110
- 20 mph over speed limit: $120
- 30 mph over speed limit: $130
- 40 mph over speed limit: $140
Speeding tickets are never good to have on your record and can raise your Massachusetts insurance rate by more than 30%. Luckily, Jerry Insurance Agency can help you find savings on car insurance—even with a speeding ticket!
Check out the table below for real-life examples of how Jerry helped Massachusetts drivers with speeding tickets save on car insurance.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 6-10 | Travelers | $122 | Peter, 27 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 11-15 | Travelers | $176 | Nellie, 30 | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Safeco | $87 | Lilly, 32 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 5, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Got a decent rate for my Tesla Model S from Travelers.
Kishore
The customer service is impeccable. They always recommend the least expensive way for your coverages.
Timoth
Excellent help pretty accurate quote
Chantal
I was really struggling to get insurance and this amazing agent was able to get me insurance and a lower payment than other places.
Tatiana
How to find cheap Massachusetts auto insurance after a DUI
A serious driving violation like a
DUI in Massachusetts
can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your second Massachusetts DUI
, for instance. Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than drivers without a DUI.
The best way to secure an affordable rate on Massachusetts insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.
Jerry has helped several drivers with a DUI find the lowest rates.
Barry (34 years old)
$71
per month
Massachusetts SR-22 insurance
If you have a major violation like a DUI on your Massachusetts driving record you may have to file an
SR-22
before you can regain your license. Insurance providers issue SR-22s to high-risk drivers to prove they meet the state’s minimum insurance requirements.SR-22s are usually required for the following violations:
- Driving without insurance
- Driving without a valid driver’s license
- DUIor DWI conviction
- Hit-and-run
- Repeated driving violations
- An at-fault collision leading to death or injury
If you’re required to file an
SR-22 in Massachusetts
, you will see a sharp increase in your insurance rates until it is no longer required.How to find cheap car insurance in Massachusetts after an at-fault accident
At-fault accidents on your driving record can be a big cause for an increase in your insurance rate. Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are and the more likely they are to have to make a payout. If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Safeco | $79 | Hunter, 26 | • 15,000/30,000 Liability |
At Fault With No Injury | Progressive | $93 | Ophelia, 34 | • 25,000/50,000 Liability |
Not At Fault | Allstate | $105 | Roger, 24 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Nationwide | $179 | Estelle, 51 Brewster, MA | • 25,000/50,000 Liability • Comp / Collision |
At Fault With Injury | Plymouth Rock | $73 | Sallie, 26 | • 15,000/30,000 Liability |
Last Updated Oct 10, 2024FAQs
Is Massachusetts an at-fault state?
No,
Massachusetts car accident laws
designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver's right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight.The bottom line: PIP is required as part of Massachusetts's state minimum insurance requirements to protect you financially if you’re involved in an accident.
Cheapest auto insurance after other violations in Massachusetts
A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license—all of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.
Check out some examples of how Jerry helped Massachusetts drivers with violations find affordable insurance.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $195 | Josephine, 30 | Audi Q7 TDI Premium Plus | • 25,000/50,000 Liability • Comp / Collision |
Cell Phone | Safeco | $159 | Dora, 26 | Honda Accord Hybrid EXL | • 250,000/500,000 Liability • Comp / Collision |
Defective Equipment | Travelers | $78 | Elizabeth, 39 | Toyota Camry LE | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | The General | $90 | Bill, 34 | Audi Q5 Premium Plus | • 25,000/50,000 Liability |
DUI | Progressive | $61 | Loretta, 27 | Mazda 3 | • 25,000/50,000 Liability |
Failure to Stop | Safeco | $110 | Hulda, 60 | Toyota Corolla L | • State Minimum Liability • Comp / Collision |
Illegal Turn | Safeco | $189 | Annie, 43 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Seat Belt | Travelers | $190 | Josephine, 46 | Mazda CX-9 | • 100,000/300,000 Liability • Comp / Collision |
Speeding 16-20 | Travelers | $242 | Leila, 25 | KIA Forte FE | • 100,000/300,000 Liability • Comp / Collision |
Speeding Violation-Minor | The General | $90 | Harry, 34 | Audi Q5 Premium Plus | • 25,000/50,000 Liability |
Wrong Way/Wrong Lane | Safeco | $152 | Olga, 44 | Nissan Sentra S | • State Minimum Liability • Comp / Collision |
Driving Left of Center | Clearcover | $96 | Earl, 29 | Hyundai Sonata GLS | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Oct 10, 2024Cheapest Massachusetts auto insurance based on insurance history
Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium. Insurers want to know that you haven’t had a
lapse in insurance coverage
, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate. Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Check out the table below to see how Jerry helped several Massachusetts drivers find savings on a new insurance policy.
Polly (33 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
$73
per month
Jack (33 years old)
$297
per month
Garrett (26 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Sunderland, MA$280
per month
Virginia (29 years old)
$183
per month
Jerry (26 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
$212
per month
Mason (37 years old)
Not Currently Insured
Coverage10,000 per person
20,000 per accident bodily injury
Comp / Collision
$147
per month
Cheapest car insurance for drivers with poor credit
Credit isn’t just for buying a home or car—it’s also a factor that can influence your insurance rate. But there’s good news for Massachusetts drivers: it’s illegal for Bay State auto insurance companies to use your credit score to set your premiums, deny you coverage, or raise your rates on renewal.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $171 | Dale, 28 Brockton, MA | Honda Civic EX | • 100,000/300,000 Liability • Comp / Collision |
660 - 750 | Travelers | $236 | Myrtie, 27 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
Last Updated Oct 5, 2024Cheapest Massachusetts car insurance by age
Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 60 tend to pay the highest rates for insurance due to a lack of driving experience and a higher risk of death and injury, respectively.
USAA, GEICO, and State Farm offer affordable
car insurance rates for new drivers
, but it still pays to shop around to find the best rate for you.Cheapest Massachusetts car insurance for young drivers
Younger drivers—people under 25—pay the most for insurance of any age group in Massachusetts. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim.
Do note that you may notice lower premiums for a teen driver who only has a
Massachusetts provisional license
. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again.
If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.
Craig (24 years old)
$168
per month
Cheapest Massachusetts car insurance for senior drivers
Apart from drivers under 19, drivers over 60 have some of the highest insurance rates—despite having more driving experience.
Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher
insurance rates for seniors
. Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I like this insurance a lot
Krista
I switched over to travelers because my other policy was to much. They made the process of switching so easy.
Jasmine
I switched an insane amount of money switching through Jerry. It was so easy , from the quote to switching over. Great job Jerry!!
Sanel
Progressive offers a great price and made it relatively easy for me to switch car insurance, with the help of Jerry of course.
Ian
How to find car insurance discounts in Massachusetts for your motor vehicle
The type of car you drive can influence how much you pay for your premium. Generally speaking, the higher your car's book value, the more you’ll pay to insure it. But that’s not it—other factors associated with your car that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
Some of the most popular cars among Massachusetts drivers are:
- Nissan Maxima
- Hyundai Sonata
- Jeep Grand Cherokee
- Honda CR-V
- Toyota RAV4
- Nissan Altima
- Toyota Corolla
- Honda Civic
- Toyota Camry
- Honda Accord
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Hyundai Sonata GLS | Progressive | $128 | Fanny, 29 | • 25,000/50,000 Liability • Comp / Collision |
| Toyota RAV4 XLE | Travelers | $175 | Roger, 29 | • State Minimum Liability • Comp / Collision |
| Nissan Altima S | Travelers | $184 | Sara, 37 Brockton, MA | • State Minimum Liability • Comp / Collision |
| Toyota Corolla L | Bristol West | $242 | Rosetta, 35 | • 0,000/0,000 Liability • Comp / Collision |
| Honda Civic LX | Travelers | $111 | Callie, 24 | • 50,000/100,000 Liability • Comp / Collision |
| Toyota Camry LE | National General | $220 | Carrie, 23 | • No Coverage Liability |
| Honda Accord EXL | Travelers | $236 | Johanna, 27 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 5, 2024Is it cheaper to insure a new car or a used car?
Although the value of most cars usually decreases with age, that doesn’t always mean older cars have cheaper insurance. Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate, regardless of age. More safety features in a vehicle can also help to reduce insurance costs.
In general, newer cars cost more to insure than older cars. At Jerry, we found that Massachusetts's average full coverage insurance cost for a car older than 10 years is $0 per year. The average cost for insuring a car less than 4 years old goes up to $0a year.
Jackson (25 years old)
2004 Subaru Impreza WRX
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$85
per month
Raymond (47 years old)
$110
per month
Larry (26 years old)
$211
per month
Gainsco
Theresa (31 years old)
$73
per month
How to find cheap car insurance in Massachusetts in your city
Where you live in Massachusetts can have a big influence on how much you pay for car insurance. Certain areas are subject to higher crime rates, which means a larger payout for insurance companies if cars are stolen or damaged. Urban areas also see higher insurance rates than rural areas due to population differences.
In addition to crime, factors like population density, accident rates, and weather also affect how much you pay for car insurance.
Take a look at the table below to see how Jerry agents helped Massachusetts drivers in different cities save on insurance costs.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Boston, MA | Frederick, 24 | Progressive | $168 | Toyota Prius | • 25,000/50,000 Liability |
| Worcester, MA | Nancy, 29 | Safeco | $71 | BMW 535i | • No Coverage Liability |
| Springfield, MA | Derek, 28 | Travelers | $236 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
| Randolph, MA | Marguerite, 33 | Allstate | $246 | Infiniti FX37 | • 100,000/300,000 Liability • Comp / Collision |
| Palmer, MA | Minnie, 29 | State Auto | $173 | Hyundai Elantra SE | • 50,000/100,000 Liability • Comp / Collision |
| Somerville, MA | Bradley, 27 | Plymouth Rock | $73 | Acura TLX | • 15,000/30,000 Liability |
| Waltham, MA | Laura, 29 | Mercury | $98 | Volkswagen GTI | • 25,000/50,000 Liability |
| Worcester, MA | Keith, 24 | Bristol West | $108 | Toyota Camry LE | • State Minimum Liability |
| Worcester, MA | Joel, 27 | Infinity | $212 | KIA Forte FE | • 25,000/50,000 Liability • Comp / Collision |
| Shrewsbury, MA | Beatrice, 30 | Clearcover | $109 | Mazda 3 | • 25,000/50,000 Liability • Comp / Collision |
| Randolph, MA | Earl, 34 | National General | $141 | Toyota RAV4 Adventure | • 25,000/50,000 Liability |
| Boston, MA | Ora, 27 | Lemonade | $94 | Honda Accord EX | • No Coverage Liability |
| Brookline, MA | Lois, 31 | Dairyland | $161 | Hyundai Tucson Limited | • 15,000/30,000 Liability |
| Boston, MA | Mina, 23 | Aspire Advantage | $107 | Toyota Camry LE | • 15,000/30,000 Liability |
| Fall River, MA | Winifred, 36 | Embark General | $133 | Lexus ES 300 | • State Minimum Liability |
Last Updated Oct 7, 2024How to lower the cost of car insurance in Massachusetts
Finding affordable car insurance isn’t always easy, but with the right tips, you can find the best overage at the best rate. Jerry’s team of experts has compiled the best tips to help you save on car insurance:
- Shop around and compare quotes between insurance providers.
- Look at insurance policy costs before buying a car.
- Increase your deductible for comprehensive and collision insurance.
- Reduce coverage on older vehicles (or unnecessary coverage on new vehicles)
- Bundle your car and homeowners insurance to get a discount.
- Increase your credit score.
- Take a defensive driving course.
- Ask about car insurance discounts, such as good driver discounts, online payment discounts, or low mileage discounts.
Why is car insurance so expensive in Massachusetts?
Car insurance rates have increased nationwide, including in Massachusetts. Here are some reasons why:
- Coverage limits (no-fault state)
- Population density
- Cost of living
- Highway density
FAQs
How much is car insurance in Massachusetts?
Looking at the average premium in Massachusetts is a good way to estimate your costs, but because several factors influence rates, rates can vary dramatically between drivers and insurance providers. That’s why we recommend shopping around and comparing quotes from several insurance companies before you commit to a policy.
What is the average cost of car insurance in Massachusetts?
The average car insurance cost for minimum liability coverage in Massachusetts is $X per month and $X per year. The average cost for full coverage insurance in Massachusetts is $X per month and $X per year.
Who has the best cheap car insurance in Massachusetts?
Many factors influence insurance rates, so no single provider will always offer the best rate for every driver, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the industry's most extensive insurance shopping study.
GEICO, USAA, and State Farm offer some of the most competitive rates for auto insurance policies in Massachusetts, but it’s recommended to shop around and compare rates using a comparison app or website to ensure you’re getting the best rate for you.
What is the minimum car insurance required in Massachusetts?
Massachusetts drivers are required to carry a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $5,000 property damage liability per accident. Drivers must also have $8,000 in personal injury protection (PIP).
What is the cheapest type of car insurance in Massachusetts?
Legally, all you need is the state-required minimum liability insurance to drive in Massachusetts. However, it’s almost always a good idea to increase these limits and/or purchase additional coverage so you’ll be financially protected if you cause an accident.
Do you need insurance to register a car in Massachusetts?
As with all other states, Massachusetts drivers must purchase auto insurance that meets the minimum state requirements before registering their car. If you don’t already have a policy, you’ll need to
buy insurance before purchasing a vehicle
.To register your vehicle in Massachusetts, you’ll need to bring the following documents to your local DMV:
Do I need uninsured/underinsured motorist protection in Massachusetts?
No, UM/UIM are not required in Massachusetts, and although they have one of the lowest uninsured driver rates in the country, uninsured motorist coverage is recommended to protect yourself financially if you’re involved in an accident with an uninsured or underinsured driver.
Does insurance follow the car or the driver in Massachusetts?
As with most states,
car insurance follows the car
in Massachusetts. This includes liability, comprehensive, and collision coverage. PIP, however, follows the driver. What does full coverage car insurance consist of in Massachusetts?
A full-coverage car insurance policy in Massachusetts includes liability, collision, and comprehensive insurance. Because PIP is also required in Massachusetts, it will also be part of a full-coverage policy. If you’re a young driver or have a new or expensive vehicle, we recommend purchasing a full-coverage policy for greater financial protection.
Can you have out-of-state car insurance in Massachusetts?
Massachusetts does allow drivers to use out-of-state insurance for 30 days if they are a new resident. However, after the 30-day grace period, drivers must change their policy to an insurance provider licensed to do business in Massachusetts and register their vehicle with the Registry of Motor Vehicle Department. Both insurance and registration must be updated within 30 days of becoming a Massachusetts resident.
Is PIP required in Massachusetts?
Massachusetts is one of a few states where personal injury protection (PIP) is mandatory for all drivers—they are required to have $8,000 in PIP. This coverage helps pay for medical expenses and lost earnings if you’re involved in an accident, regardless of who was at fault.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.