Cheap car insurance in Massachusetts

How to get cheap car insurance in Massachusetts

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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.


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.

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Choose from a long list of discounts and coverage for almost any driver.

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Compare car insurance companies in Massachusetts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.

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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.

Cheapest car insurance rates in Massachusetts

Cheap car insurance in Massachusetts

Cheap car insurance in Boston

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.

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What other coverage can I get in Massachusetts?

Massachusetts drivers can choose to add higher levels of protection in the event of an accident.

  • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, a fire or vandalism.
  • Collision and limited collision. Helps with repairs if your car is damaged in an accident.
  • Gap coverage. If an accident totals a car that you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Rental reimbursement. Helps pay for a rental car if you need one after an accident.
  • Emergency roadside assistance. Provides reimbursement for towing and labor required for your car after an accident.
  • Optional bodily injury (OBI). Helps cover bodily injuries that aren’t covered under required minimums — for example, injuries to passengers, accidents that happen outside the state or even accidents in areas where the public has no right of access.

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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