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Compare car insurance in Massachusetts

Get the cheapest car insurance in Massachusetts for 2021

The average annual cost of car insurance in Massachusetts is $1,300. Narrow down car insurers offering coverage in Massachusetts by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Depends on provider
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.

Compare up to 4 providers


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

No-fault state

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

Most popular Massachusetts auto insurance companies list

CompanyDirect premiums written (billions)Market share
Liberty Mutual$579,25310.7%

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.

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
Liberty Mutual$5762
Plymouth Rock$3714

Car insurance quotes in Medford

CompanyAnnual car insurance rate
Liberty Mutual$4619
Plymouth Rock$3136

Car insurance quotes in Plymouth

CompanyAnnual car insurance rate
Liberty Mutual$3989
Plymouth Rock$3184

Car insurance quotes in Brockton

CompanyAnnual car insurance rate
Liberty Mutual$5750
Plymouth Rock$3914

Car insurance quotes in Peabody

CompanyAnnual car insurance rate
Liberty Mutual$4224
Plymouth Rock$2853

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.

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

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