Why is car insurance so expensive in Massachusetts?

My daughter is moving to Boston for school, so she’ll be driving her car up the coast in the fall, but car insurance sure isn't cheap up there! Why is car insurance so expensive in Massachusetts?

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Answer provided by
Jason Tushinski
Answered on May 27, 2022
A big reason that car insurance is so expensive in Massachusetts is due to the Bay State being a no-fault state, meaning drivers deal with their own insurers if involved in an accident, as opposed to the other driver’s insurance in most cases.
Here are some of the other reasons why car insurance is so expensive in Massachusetts:
  • The price of auto repairs is consistently rising in Massachusetts, at around 2% per year. Vehicle repairs make up a large part of insurer payouts, so as prices rise, insurers raise their rates to keep up.
  • Along with car costs, the cost of healthcare in Massachusetts is also rising at a clip of about 7% a year. Medical costs make up an even bigger chunk of insurance companies’ payouts, so they raise premiums to ensure they can keep pace.
  • Massachusetts is vulnerable to severe weather, including both summer and winter storms, as well as the occasional hurricane. These weather phenomena can cause immense damage to property and vehicles, so insurers up their prices to ensure they can pay out claims stemming from such expensive—and unpredictable—events.
While the average cost of car insurance isn’t cheap in Massachusetts, you can easily find the lowest rate available to you by comparing quotes using the Jerry app! The average Jerry user saves around $800 per year on car insurance!

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