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The average cost of basic liability car insurance in Massachusetts is $2,412 per year. Opting for full-coverage car insurance in Massachusetts will leave you with an average cost of $2,547 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare the cheapest car insurance quotes in Massachusetts
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy.
Here are some real quotes and savings from customers in Massachusetts who switched with Jerry:
State Farm, GEICO, and Allstate are three of the best auto insurance companies for Massachusetts drivers—but they’re not the only companies offering great rates to residents of the Bay State.
The best car insurance company for you depends on a range of factors. For instance, if you or a family member are a military service member, you may qualify for a cheap auto insurance policy from USAA. But if you’ve got a youthful operator (young driver under the age of 25) at home, a company like Progressive might be a better fit. Some Massachusetts drivers can also score great coverage and low premiums with a local company like Plymouth Rock Assurance.
No single company has the lowest car insurance premiums for every driver in Massachusetts.
Car insurance is expensive in Massachusetts when compared to the national average—especially liability insurance. Higher insurance rates in Massachusetts are likely due to the high population density in urban areas, high cost of living, and higher rate of liability insurance claims than in any other state.
Is $300 a lot for car insurance in Massachusetts?
Considering the average annual cost of car insurance in Massachusetts, $300 a month is high for both liability-only and full-coverage policies. Reasonable monthly payments for car insurance in Massachusetts are closer to $250.
Which month is insurance cheapest?
The month you buy insurance is generally nota factor that affects your insurance rates in Massachusetts. Policies are typically offered in six-month increments rather than month to month. That said, some data analysts claim that insurance rates are the cheapest in February and August.
How much does car insurance cost in Massachusetts?
On average, Massachusetts residents pay less each year for car insurance than the national average. Still, auto insurance is more expensive here than in many states—why?
There are a few reasons. First, Massachusetts is a densely-populated state with lots of drivers in urban areas. Population density increases the risk of car accidents and the insurance claims that come with them, so insurance companies charge more to drivers in these regions.
Massachusetts’ high cost of living is another culprit. Car repairs tend to cost slightly more in Massachusetts than in other states, so insurance claims are larger—again, prompting providers to hike the price.
It also seems that Massachusetts residents are more likely to file insurance claims than drivers in other states. In fact, Massachusetts has more property damage and bodily injury liability claims than just about any state!
For more on how Massachusetts’ average car insurance rates compare to other states, see below.
That’s a lot! But, believe it or not, it doesn’t cover all the potential costs of a car accident. In particular, Massachusetts’ state minimums don’t include any coverage that can cover the cost of repairs to your vehicle after a collision or other event. Your property damage coverage only applies to other drivers’ vehicles in an at-fault accident.
How much insurance do I need in Massachusetts?
Massachusetts requires $20,000 per person for bodily injury liability, $40,000 of bodily injury liability per accident, and $5,000 of property damage liability per accident. Drivers also need to carry personal injury protection coverage.
What do you need if you’re pulled over?
If you get pulled over in Massachusetts, you are required to show your driver’s license and registration. Massachusetts doesn’t require insurance ID cards since the name of your insurance provider is printed on your registration. If you would like proof of coverage for driving out of state, a digital copy of your insurance policy is available 24/7 in the Jerry app.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state. This means you must carry personal injury protection (PIP) coverage which immediately pays for injuries to you and your passengers regardless of who is at fault for the accident or if you have health insurance. However, fault, or liability, is still a factor for property damage and bodily injury claims.
Cheap car insurance with a DUI or speeding ticket in Massachusetts
Even a minor ticket can cause your insurance premium to increase. But if you have a serious driving violation, such as a DUI or reckless driving charge, or a history of repeated traffic infractions, your insurance company may label you a high-risk driver—and that comes with significant price hikes.
Luckily, Jerry can find you savings on car insurance no matter what your driving record looks like. Check out what Jerry users with violations saved below.
Teen drivers pay some of the highest average rates for car insurance in Massachusetts. Why? Lack of experience and a high statistical risk of accidents makes drivers under age 25—and especially anyone under 20 years old—a risky bet for insurance companies.
Massachusetts ranks 8th in the nation for teen driver safety, so families with teens can look forward to smaller rate hikes than elsewhere. You’ll also see average premiums drop after age 18, again at 21, and once more after 25. But you’re still likely to pay an inflated rate until you hit that milestone.
How can young drivers save money on car insurance in Massachusetts?
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.
Cities With the Longest Commute Times in Massachusetts
With an average commute of 40.4 minutes, the city of East Douglas has the longest commute in Massachusetts. Drivers in East Douglas who commute can expect higher-than-average rates due to increased mileage and traffic.
Your premium also depends on what vehicle you drive. In general, more expensive vehicles have higher insurance costs.
But sticker price isn’t the only thing that matters. Consider the Toyota RAV4, one of the most popular cars in Massachusetts. Toyota RAV4 insurance costs are fairly low thanks to stellar safety ratings and the ubiquity of cheap repair parts. But if you own the RAV4’s plug-in hybrid, the RAV4 Prime, your insurance costs are likely to be higher due to the increased cost of repairs for hybrid vehicles.
Take a look at the table below to learn how the vehicle you drive could be affecting your car insurance premium.
The most popular vehicle in Massachusetts is the Toyota RAV4. RAV4 owners pay around $1,400 annually in car insurance, but they can find more affordable rates with quote comparison services like Jerry.
Do you need more than the minimum car insurance requirements in Massachusetts?
Most states have minimum insurance requirements that you must meet to hit the road.
Once you’ve met those minimum car insurance requirements, you’re legally set to drive in the state of Massachusetts. But minimum liability coverage—even supplemented by PIP and uninsured motorist coverage—won’t pay for damage to your car.
Massachusetts drivers should consider purchasing full-coverage car insurance along with add-ons like roadside assistance or underinsured motorist coverage.
Here are some additional coverages that would serve drivers in Massachusetts well:
Massachusetts has poor traffic congestion, especially if you live in a highly populated area like Boston. It's important to have collision insurance to protect your car against other drivers in stop-and-go situations.
6,835 vehicles were stolen in Massachusetts in 2020. It’s a good idea for drivers in Massachusetts to buy comprehensive insurance to protect their vehicles from theft and other mischiefs like vandalism.
In Massachusetts, only 3.5% of drivers are uninsured. However, if an uninsured driver causes an accident, you could be in a lot of financial trouble. Uninsured/underinsured motorist coverage will help cover your expenses if you’re in an accident with an uninsured motorist.
Massachusetts drivers rate their roads a low 5.17/10. Poor road conditions can cause damage to a car, and a serious pothole could even leave you stranded on the side of the road. Get roadside assistance to prepare yourself for the unexpected.
How to save money on auto insurance in Massachusetts
Finding the best rates on auto insurance in Massachusetts isn’t hard—and with help from Jerry, you can do it without speaking to a single insurance agent! Here’s how.
Shop around for quotes
Comparison shopping is the single most effective way to find the lowest rates on car insurance. Comparison shopping on your own can get overwhelming, frustrating, and boring fast—but using an insurance comparison app like Jerry lets you browse the most competitive rates quickly and without any hassles.
Look for discounts
You probably know that you can save money on car insurance by bundling your policy with a homeowners or renters policy—because most car insurance companies talk about nothing else! But you might not realize that bundling is just the tip of the iceberg when it comes to car insurance discounts.
Most companies offer a wide range of discounts—you just have to know what you’re looking for. Check out the features below to see what discounts you should ask for in Massachusetts.
Clean Driving Record Discounts
Insurers are likely to give discounts to customers who maintain clean driving records. Safer drivers are less likely to file a claim, which saves insurance carriers money—and you get some of the savings, too.
Drivers who get their auto and home insurance at the same company can easily qualify for a bundling discount.
Safety Ratings and Anti-theft Discounts
Insurance carriers will offer lower rates to drivers who own safe vehicles, as they’re less likely to file a claim for bodily injury or theft.
Raise your deductible
If you carry collision or comprehensive insurance, your policy has a deductible—that is, an amount you agree to pay out of pocket on a claim before your collision or comprehensive coverage kicks in.
The higher that deductible is, the less you’ll pay month-to-month to maintain the policy. If you’re able to pay a higher deductible, this is a convenient way to lower your regular costs—but be careful! Never choose a deductible that’s higher than what you could reasonably pay out of pocket in a lump sum.