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Harvard University in Massachusetts

CheapInsurance.com has put together expert tips and quote comparisons to help you find affordable car insurance in Massachusetts.

The average cost of car insurance in Massachusetts is $1,296 per year for full coverage and $446 per year for minimum coverage in 2022. 

This amounts to an average monthly cost of $108 per month for full coverage insurance and $37 per month for minimum coverage policies.

Rates vary on an individual basis, depending on:

 

  • Driving history.
  • Credit history.
  • Marital status.
  • Age.
  • Gender.
  • Vehicle type.
  • Insurance provider.
  • Location within the state.
  • Coverage type.
  • Set deductible. 
 

To help you find the best deals on car insurance in the state, we’ve compared quotes from car insurers in these five Massachusetts counties:

  • Middlesex County.
  • Worcester County.
  • Suffolk County.
  • Essex County.
  • Norfolk County.
 

We’ve compared quotes from Midvale and MAPFRE Massachusetts car insurance companies to help you find the most affordable coverage.

Because the cost of car insurance is highly dependent on your individual driving profile, we’ve gone a step further and compared the costs of Massachusetts auto insurance for these types of drivers:

 

  • Good drivers (those with a clean driving record).
  • Bad drivers (those with a history of traffic violations).
  • Young drivers (those aged between 16-25).
 

Is It Legal to Drive without Car Insurance in Massachusetts?

It’s a crime to operate a vehicle without proper insurance in the state of Massachusetts. 

Being caught violating this law can result in an initial fine of $500 and, depending on your driving history, jail time. 

Your license and registration could be suspended for 60 days and may cost $500 to reinstate.

 

 

Minimum Liability Insurance in Massachusetts

Massachusetts is a no-fault state, meaning that both parties’ auto insurance providers will pay for related expenses, regardless of which party caused the accident.

In order to register a car in Massachusetts, you must have insurance coverage.

The Massachusetts minimum car insurance standards set by state law are a bit more extensive than in other states. 

We have found that Midvale offers the cheapest car insurance rates for minimum liability coverage, which on average costs $129.00.

To satisfy the state’s minimum coverage requirements, Massachusetts drivers need to purchase the following:

 

Bodily injury to others insurance

 

Bodily injury to others protects you, or someone you allow to drive your car, from legal liability if you accidentally injure or cause the death of someone else while operating your car.  

 

It only covers losses if the accident occurs in Massachusetts. It does not cover the injuries or death of a passenger in your car.

 

You must purchase coverage of at least $20,000 per person and $40,000 if more than one person is hurt.

 

Personal injury protection

 

Also known as PIP, this type of car insurance covers medical expenses, up to 75% of lost wages, and replacement services up to a limit of $8,000. 

Massachusetts is a no-fault state which means no matter who caused the accident, PIP will pay these expenses for you or anyone else you permitted to drive your car.

 

Bodily injury caused by uninsured auto driver

This type of auto insurance protects you or anyone you let drive your car, as well as household members and passengers (who are not covered under another similar Massachusetts policy), against losses caused by an uninsured or unidentified (“hit and run”) driver. 

You must purchase a policy of at least $20,000 per person and $40,000 in total to cover all people injured by the uninsured auto in the accident.

 

Damage to someone else’s property

This type of car insurance is also referred to as Property Damage. 

It pays for damage to another person’s property when you, a household member, or another driver you allow to use your car, cause accidental damage to another person’s property.

You must purchase a policy that has a minimum limit of $5,000. Liability insurance is designed to protect third parties and their property from damage you may cause while driving. It does not cover any damages to your own vehicle.

If you’re involved in a car accident and do not meet the minimum liability insurance requirements detailed above, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

 

 

Find Cheap Comprehensive Car Insurance in Massachusetts

While a comprehensive car insurance policy is optional in Massachusetts, you should consider it unless you have enough savings to cover any damage to your vehicle in the following scenarios:

 

  • Theft or theft of parts.
  • Noncrash damage (e.g. natural disasters, fire, flooding).
  • Broken windshield.
  • Car damage from hitting an animal.
 

Repairing car damage can cost thousands of dollars. Without comprehensive car insurance, you risk finding yourself in a situation where you can’t drive your car because you can’t afford to get it repaired.

To help you find the cheapest comprehensive car insurance in Massachusetts, we’ve compared the rates offered by Midvale and MAPFRE:

 

Cheapest Full Coverage Insurance in Massachusetts

Provider

Middlesex County

Worcester County

Suffolk County

Essex County

Norfolk County

Average

Midvale

$146.00

N/A

N/A

N/A

N/A

$146.00

MAPFRE

$284.00

$97.00

$358.00

$206.00

$226

$234.20

 

Cheap Car Insurance in Massachusetts for Drivers with Clean Driving Records

“Good” drivers (drivers with a clean driving record) are in a favorable position to find cheap car insurance. Car insurance companies consider good drivers to be people who:

 

  • Have not been the cause of any car accidents.
  • Have no traffic offenses.
  • Have a good credit score.
  • Have no speeding tickets.
  • Have no reckless driving charges.
  • Have no DUI convictions.
 

To save you more money, many car insurance companies also offer a good driver discount on your car insurance rates. 

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course. 

We looked at the average car insurance rates offered by car insurance companies in Massachusetts for good drivers. Midvale and MAPFRE are the two best car insurance companies for good drivers.

 

Cheapest Car Insurance for Good Drivers (Clean Driving Records) in Massachusetts

Provider

Middlesex County

Worcester County

Suffolk County

Essex County

Norfolk County

Average

Midvale

$129.00

N/A

N/A

N/A

NA/

$129.00

MAPFRE

$262.00

$82.00

$330.00

$188.00

$207.00

$213.80

 

Cheap Car Insurance in Massachusetts for High-Risk Drivers

Car insurance companies use the term ‘high risk’ to describe drivers who are more likely to make a claim against their auto insurance policy. 

Some of the offenses that may lead to being considered a high-risk driver, include:

 

  • Receiving a DUI conviction.
  • Reckless driving.
  • Speeding tickets.
  • Having too many points on your driving record.
  • Driving without meeting the minimum liability coverage requirements.
  • A poor credit score.
  • Unpaid child support payments.
  • Unpaid insurance policy premiums.
 

If you are a high-risk driver, Massachusetts car insurance companies are likely to increase the cost of your insurance. 

 

Cheapest Car Insurance in Massachusetts for Young Drivers 

Young drivers are, by default, less experienced than older drivers. Their inexperience poses a higher risk to insurance companies, so their car insurance is often more expensive.

We’ve also compared the cost of car insurance for young drivers to help you save on auto insurance costs. 

 

Cheapest Car Insurance for Young Drivers in Massachusetts

Provider

Middlesex County

Worcester County

Suffolk County

Essex County

Norfolk County

Average

Midvale

$158.00

$63.00

$179.00

$124.00

$136.00

$132.00

 

Need Cheap Car Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state you live in. 

 Some of the penalties for committing insurance fraud include: 

 

  • Up to five years in prison.
  • A $50,000 fine.
 

 If you plan to move from Massachusetts, you will need to find a new car insurance company in the state you move to. 

You will usually have a 90-day grace period to cancel your car insurance and get car insurance in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

Florida

California

New York

Georgia

Michigan

Nevada

 

Top Tips for Finding Affordable Car Insurance

 

  1. Take note of lender requirements

If your car is financed or leased, your lender is likely to require that you have liability insurance, comprehensive coverage, and collision insurance. 

In fact, most car dealerships won’t let you drive the car off the lot until you can prove you have full coverage car insurance. 

Full coverage car insurance protects your lender if you’re in a car accident or your car is stolen and you can no longer afford to meet your monthly payments.

Key Point: Full Coverage Car Insurance

Full coverage car insurance is made up of three different types of car insurance policies:

  • Comprehensive coverage: This type of insurance will compensate you if your car is damaged or totaled due to a non-accident-related event (e.g. fire, flood) or if it’s stolen.
  • Collision coverage: This type of auto insurance will compensate you if your car is totaled or damaged in a car accident.
  • Liability insurance: This type of insurance covers you for damage you may cause to another person’s property or injury/death you may cause while driving.

If you lose your required insurance coverage, your lender could add single-interest insurance to your loan in order to protect themselves.  

You should avoid allowing your car insurance to lapse because single-interest car insurance is much more expensive than standard car insurance.

Key Point: How Can I Lower My Car Insurance Rates for Full Coverage Insurance?

There are a couple of ways that you can ensure cheap auto insurance:

 

  • Most insurance companies offer a bundling option, which allows you to combine your auto insurance with other products such as home insurance, life insurance, and other car insurance policies you have.

     

  • Another option is to increase your auto insurance deductible. This is the amount of money you would have to pay out-of-pocket before your insurance kicks in. By increasing your deductible, you are essentially taking on more risk, but you can save significantly on your monthly premium.
 
  1. Consider how you use your car

If you only drive to get to work, the grocery store, and social events, then most types of standard car insurance will meet your needs.  

If, however, you have unique needs, you should check whether your car insurance company covers these requirements. 

 

Unique needs can include:

 

  • Multiple drivers sharing one car.
  • Using your car for ridesharing.
  • Using your car for deliveries.
  • Wanting to consolidate all of your insurance policies under one provider. 
 

Want a personalized car insurance quote? Click here!

 

 

  1. Compare quotes from different car insurance companies

Even if you think you’ve found a good deal on car insurance, it’s always a good idea to shop around for a lower rate. 

You can do this yourself, but going through an insurance agent can save you time and money.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers. 

It is a time-consuming process. You’ll need to phone each car insurance company or fill out an online form for them to give you a quote. 

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

 

Top Car Insurance Companies in Massachusetts

Midvale 

Midvale Insurance is part of American Family Insurance, widely known as AmFam. In the U.S. AmFam is:

  • The 13th largest property and casualty (P&C) insurance group.
  • The eighth largest homeowners insurance company.
  • The ninth largest private passenger auto insurer, based on written premiums.  
 

AmFam splits its product line into three sections: vehicle insurance, property and business, and added protection. 

Under vehicle insurance, the firm covers cars, motorcycles, RVs, boats, ATVs, snowmobiles, and classic cars.

With over 90 years of experience, AmFam has built itself into one of the most popular U.S. insurance brands. 

It has gained popularity by following up on its promise to provide excellent insurance coverage and support for its clients.  

Want a personalized car insurance quote? Click here!

 

MAPFRE

MAPFRE Insurance offers friendly and efficient service and guarantees to take care of you and your family. 

In 2007, the company purchased Webster, a commercial insurance group based in Massachusetts.

Webster is a major provider of vehicle insurance, of over €1.5 billion in October 2007. MAPFRE was listed in the Fortune Global 500 list in its 2008 edition. 

In the U.S., MAPFRE: 

  • Offers a wide range of insurance solutions for homes and vehicles.
  • Is the 23rd largest Property-Casualty insurer.
  • Is the 19th largest private passenger auto insurer.
  • Has a network of more than 5,000 independent agents and brokers.
  • Has a presence in 14 states.
  • Is rated “A” (Excellent) by A.M. Best.
 

Get the best deal with a free quote.

 

Car Insurance in Massachusetts FAQs

Is Massachusetts a no-fault state?

Yes. Massachusetts is a no-fault state, which means that drivers get coverage for car accident injuries from their own insurer without the need to determine who caused the accident. 

Policies in no-fault states must include personal injury protection (PIP).

 

What car insurance is required in Massachusetts?

The following coverage is required by the State of Massachusetts to legally operate a motor vehicle:

  • $20,000 / $40,000 bodily injury liability coverage.
  • $5,000 property damage coverage.
  • $20,000 / $40,000 uninsured motorist bodily injury coverage.
  • $8,000 personal injury protection.

In Massachusetts, does insurance cover you if you borrow a car?

The good news is that, in Massachusetts, the insurance follows the car, so if you let your friend borrow your car and they have an accident, in most cases, your policy would pay for the damages.

Do I need to buy underinsured or uninsured motorist coverage in Massachusetts?

 

There is no legal requirement in Massachusetts to maintain underinsured motorist coverage, but it can prove to be valuable protection. 

 

Uninsured motorist coverage protects you if you’re hit by a driver who has no auto insurance. 

 

It also protects you if you’re hit by a driver who doesn’t have enough coverage to pay for the damages or injuries they caused.

 

An object damaged my windshield and I don’t know how it happened. Am I covered for this cost in Massachusetts?

Yes. If you have comprehensive coverage on your auto policy you are covered after you’ve paid the relevant glass deductible of your plan.

 

While many companies by default have no glass deductible, a glass deductible is permissible in Massachusetts. 

 

Having a glass deductible usually decreases the cost of full coverage car insurance and generally makes the overall cost of the policy lower. 

 

However, this means you will be responsible for paying for the repair or replacement of your windshield up to your deductible, which may end up being expensive.

Whether you’re a new driver in Massachusetts or a new state resident, we have great news for you. Shopping for cheap car insurance is quite easy when you use Cheap Insurance to guide your search. And, are you ready for more good news? MA car insurance is cheaper than the national average, meaning the odds of finding budget-friendly coverage are on your side.

Quick Massachusetts Car Insurance Facts

Don’t start your hunt for car insurance coverage without getting familiar with MA car insurance facts. Here’s what you should know:

  • Massachusetts ranks about 41st in the nation for car insurance costs.
  • Many Massachusetts drivers pay less than $721 for car insurance annually or $60 per month.
  • Drivers in Massachusetts are required to carry bodily injury liability insurance with a minimum of $20,000/$40,000 coverage, along with $5,000 property damage liability coverage.
  • Drivers must also have personal injury protection of at least $8,000.
  • Massachusetts has some of the lowest car accident deaths per 100,000 people, with a rate of 4.8 per 100,000 people or 334 deaths per year.
  • There are about 4.9 million registered drivers in Massachusetts.

Getting Cheap Car Insurance In Massachusetts

Finding cheap car insurance in Massachusetts starts with comparing car insurance providers and following these tips and tricks:

  1. Purchase minimum coverage: For many drivers, the minimum coverage is adequate and affordable.
  2. Stay on the defense: Stay alert and attentive while driving—avoiding accidents and tickets will save you money on car insurance.
  3. Ask about discounts: Sometimes, all it takes to get affordable coverage is simply asking. Talk to several providers to see if you qualify for discount programs.
  4. Massachusetts insurance programs: You might even qualify for state-sponsored car insurance discounts.

Massachusetts Car Insurance Discounts

Request a quote with Cheap Insurance to find out if you qualify for the following car insurance coverage discounts:

Good Driver: Is your driving record free of car accidents, speeding tickets, and other traffic violations? If so, you could obtain cheaper car insurance rates.

Good Student: If you’re a high school or college student with good grades, you could be rewarded with discounted car insurance.

FAQ

What is the penalty for driving without insurance in Massachusetts?

Driving without insurance could result in a $500 fine, one year in jail, driving privileges revoked, and reinstatement fees.

What is driving like in Massachusetts?

Massachusetts is home to 4.9 million registered drivers—about 3.5% of which are uninsured. There are about 321 fatal car accidents per year.

How can I save money on my car insurance policy in Massachusetts?

When you’re looking to save money on your car insurance coverage, ask about these potential discounts:

  • Discounts for insuring multiple cars on one policy
  • Student or good driver discounts
  • Airbags, anti-theft devices, and other safety feature discounts
  • Discounts for paying in an installment plan 
  • Discounts for high deductible coverage

Other Types of Coverage

Minimum car insurance coverage may not be adequate for your needs. In that case, consider the following types of coverage:

Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)

Medical Payments Coverage

Physical Damage Coverage

Additional Kinds of Coverage 

Endorsements and Riders

  • Towing and road service
  • Rental car reimbursement 
  • Gap insurance

Cities We Cover In Massachusetts

Cheap car insurance in Massachusetts could be just a few miles away. Find Cheap Insurance in a town near you: