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Cheap car insurance in Massachusetts

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How to get cheap car insurance in Massachusetts

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.

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Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

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Compare car insurance companies in Massachusetts

Name Product Roadside assistance New car protection Accident forgiveness Available states
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Most popular Massachusetts auto insurance companies list

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


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.

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

Rates last updated June 16th, 2019
Company Median annual rate Learn more
Progressive $1,201 Read review
Geico $868 Read review
Allstate $1,313 Read review
Liberty Mutual $1,956 Read review
Average $1,335 Compare more reviews

Cheap car insurance in Boston

Rates last updated June 16th, 2019
Company Median annual rate Learn more
Progressive $1,474 Read review
Geico $896 Read review
Allstate $1,813 Read review
Liberty Mutual $2,601 Read review
Average $1,696 Compare more reviews

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.

What if I don’t have insurance?

If you’re stopped by police or are involved in an accident in Massachusetts and you don’t have car insurance, you’ll face severe penalties. Driving without car insurance in Massachusetts is considered a civil motor vehicle infraction, which means you could be slapped with a $5,000 fine, up to one year in jail or loss of driving privileges for a full year on the severe end of the scale. Of course, whether or not it’s your first time being caught or if you have a significant criminal background could play into your sentencing.

In addition, uninsured drivers are required to pay an additional fee of at least $500 to the state’s assigned risk plan.

Uninsured drivers in Massachusetts

It’s estimated that between 4% and 6% of all motorists in Massachusetts don’t have adequate car insurance to meet the legal standards. That’s less than half the national average of 12% in any given state, and according to most industry estimates, only New York and Maine have recently reported lower percentages of uninsured drivers than Massachusetts.

In spite of this relatively low number of people driving uninsured, the state requires all drivers to carry uninsured motorist protection. To learn more about this kind of coverage and why you might need it, even when it’s not required, visit our guide on the topic.

Can I buy temporary insurance in Massachusetts?

Yes, you can. But you might run into issues finding temporary coverage from standard providers, so if you need this kind of coverage, you should be open to alternative options like going with a less-known provider or having some unconventional policy terms.

Drunk driving laws in Massachusetts

This state holds drivers to the same standards as any other state when it comes to driving under the influence of alcohol — the BAC limit for normal motorists is 0.08%, and for commercial drivers it’s 0.04%.

Violating these laws will land you in serious legal trouble, with the consequences increasing for each time a driver repeats their offense. Other things can also cause the consequences to be more severe, such as if a passenger under 16 was in the vehicle, if anyone was injured in an accident, or if the driver’s BAC was more than double the legal limit.

1st Offense2nd Offense3rd Offense4thOffense>5thOffense>
JailUp to 30 months30 days to 30 months150 days to 5 years1-5 years2-5 years
Fines and Penalties$500-$5,000$600-$10,000$1,000-$15,000$1,500-$25,000$2,000-$50,000
License Suspension1 year2 years8 years10 yearsPermanent
IID RequiredNoYesYesYesN/A

Law of implied consent

Like many states, Massachusetts has laws that address implied consent. This means that if you’re driving on public roads in this state, you’re giving consent to a police officer to administer a drug or alcohol test if they suspect you’re driving under the influence.

By refusing, you’re likely to end up with a license suspension, some steep fines, and possibly even some jail time.

1st Offense2nd Offense3rd Offense>
Refusal to take testLicense suspended for 180 daysLicense suspended for 3 yearsLicense suspended for 5 years

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.

What happens after an accident in Massachusetts?

When you’re involved in a car accident, the steps you take at the scene can save lives, reduce injuries and help your provider settle any claims quickly and efficiently.

  1. Safety first. Make sure that you and everybody involved in the accident are OK. If you need assistance, call the police immediately.
  2. Notify your insurance company. After you’ve confirmed that all parties are safe, call your agent to report the accident. They will walk you through the information they need for your claim.
  3. Document the accident. Protect your claim by taking down the name of any police officers at the scene. Take pictures of each car involved from different angles, and talk to any witnesses you might be able to contact for more information later.
  4. Exchange information. Get the full name, contact info and insurance policy details from other drivers. Note the drivers’ car type, color, model and license plate number, as well as the exact location of the accident.

When you talk to other drivers involved in the accident, avoid admitting or implying fault. If you suggest to anybody that you caused it, your car insurance provider could refuse to pay your claim.

Who’s at fault after an accident?

Massachusetts is one of the 12 states that requires drivers to carry no-fault insurance. In states with no-fault coverage, insurance claims are typically paid out:

  • If a party is more than 50% responsible for an accident.
  • Property damage is determined by a comparative fault rule.

An at-fault driver can expect to see an increase in their insurance rates after an accident.

When should I report an accident to the authorities in Massachusetts?

In Massachusetts, you must report an accident to the Massachusetts Registry of Motor Vehicles if the accident resulted in injury or death or if the damage exceeds $1,000. Drivers must complete and submit a Motor Vehicle Crash Operator Report no later than five days after an accident.
Failing to report the accident to the Massachusetts RMV could result in the suspension of your license. If another driver involved in the accident offers to pay for all damages and requests that you not report the accident, you are still responsible for filing the report.

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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