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Compare car insurance in Massachusetts

Get the cheapest car insurance in Massachusetts for 2020

Updated

Massachusetts is home to some car insurance laws and requirements that can surprise visitors and residents alike. Despite requiring more comprehensive policies than most states, Massachusetts is still a relatively affordable place to get car insurance, especially if you can shop around and compare your options.

Massachusetts

Car insurance quick facts

20/40/5

Minimum liability requirements

$1,300

Average annual car insurance cost

60

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance companies in Massachusetts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Geico
Optional
26%
All 50 states
Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
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Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
MAPFRE$1,257,33223.3%
Geico$686,54812.7%
Liberty Mutual$579,25310.7%
Safety$454,1578.4%
Arbella$415,5967.7%
Plymouth$359,7676.7%
Progressive$255,0154.7%
MetLife$202,2613.7%
Travelers$170,9043.2%
USAA$168,9443.1%

Average car insurance costs in Massachusetts

You might expect a state with such rigorous car insurance requirements to cost you more than anywhere else. But actually most drivers here pay something in the ballpark of the national average: $1,200-1,300 annually. Part of the reason for this is the extremely low rate of uninsured drivers — when everyone pays their share, costs tend to go down.

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Cheap car insurance in Boston

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Which city has the cheapest car insurance in Massachusetts?

Of Massachusetts’s largest cities, Plymouth has the cheapest rates and Malden has the most expensive car insurance rates. Malden drivers could face rates 2 times more than Plymouth drivers.

Car insurance quotes in Malden

CompanyAnnual car insurance rate
Allstate$5189
Progressive$4040
Liberty Mutual$5762
Plymouth Rock$3714
Geico$3496

Car insurance quotes in Medford

CompanyAnnual car insurance rate
Allstate$4484
Progressive$3646
Liberty Mutual$4619
Plymouth Rock$3136
Geico$2812

Car insurance quotes in Plymouth

CompanyAnnual car insurance rate
Allstate$3558
Progressive$2781
Liberty Mutual$3989
Plymouth Rock$3184
Geico$2488

Car insurance quotes in Brockton

CompanyAnnual car insurance rate
Allstate$5151
Progressive$4969
Liberty Mutual$5750
Plymouth Rock$3914
Geico$4767

Car insurance quotes in Peabody

CompanyAnnual car insurance rate
Allstate$4045
Progressive$3323
Liberty Mutual$4224
Plymouth Rock$2853
Geico$2713

Minimum car insurance requirements in Massachusetts

Every driver in the state of Massachusetts is required to carry minimum insurance coverage with the following limits:

  • $20,000 bodily injury liability per person.
  • $40,000 bodily injury liability total per accident.
  • $5,000 property damage liability total per accident.
  • $20,000 uninsured motorist coverage per person.
  • $40,000 uninsured motorist coverage total per accident.
  • $8,000 personal injury protection.

While Massachusetts drivers are required to carry uninsured motorist coverage, underinsured motorist coverage is optional. You may be tempted to look solely at price when deciding on a policy. But by carefully considering coverage limits, you’ll typically get solid coverage — and end up paying less when in the event of a claim.

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Roadside assistance in Massachusetts

Many insurers offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Roadside help could come in handy when you’re driving in Mass, since the hilly roads and numerous potholes can do a number on your tires and shocks. The frequent construction to repair road conditions makes it even more likely you’ll hit a pothole, stray nail or misplaced road barrier, or have a run-in with someone swerving to avoid the same road conditions.

Can I get SR-22 insurance in Massachusetts?

Yes, you can. You might need SR-22 insurance in Massachusetts if you’ve been convicted of a DUI or OWI, if you have too many other violation points on your record or if you’ve been caught driving without proper coverage.

Bottom line

When you’re driving in Massachusetts, you’ll run into some of the busiest roadways in the country. The right car insurance coverage is important for your peace of mind. Carefully research your choices to get the best coverage for your family and budget.
To learn more, from laws and regulations to how you can find the best values on coverage, visit our comprehensive guide to car insurance.

Common questions about Massachusetts car insurance

Read more on this topic

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