About Massachusetts Auto Insurance
Massachusetts drivers pay an average of $1,289 per year for full coverage auto insurance, 14% less than the national average of $1,500. This makes Massachusetts around average for car insurance costs nationally, ranking #20 out of 51 states and territories.
As a no-fault state, Massachusetts requires drivers to carry Personal Injury Protection (PIP) coverage. This means your own insurance pays for your medical expenses regardless of who caused an accident, which adds to premium costs but provides faster claim payouts.
Your actual rate will depend on your driving record, vehicle, age, and coverage choices. We recommend comparing quotes from at least 3-5 carriers.
Massachusetts Minimum Coverage Requirements
Massachusetts requires all registered vehicles to carry minimum liability insurance of $20k/40k/5k. This notation means:
- • $20,000 bodily injury liability per person injured
- • $40,000 total bodily injury liability per accident
- • $5,000 property damage liability per accident
As a no-fault state, Massachusetts requires drivers to carry Personal Injury Protection (PIP) coverage that pays for their own medical expenses regardless of who caused the accident. The minimum PIP coverage required is $8,000.
Massachusetts also requires uninsured/underinsured motorist (UM/UIM) coverage with minimums of $20k per person. This protects you if you're hit by a driver without adequate insurance.
What Affects Massachusetts Auto Insurance Rates
Heavily regulated insurance market
No-fault with comprehensive requirements
UM/UIM coverage required
How to Save on Massachusetts Auto Insurance
- ✓Shop through official MAIP if declined
- ✓Safe driver insurance plan (SDIP) affects rates
- ✓Check for affinity group discounts
Driving Risk Factors in Massachusetts
These factors are used by insurers to set rates in Massachusetts:
| Risk Factor | Massachusetts | National Avg | Rating |
|---|---|---|---|
| Traffic Fatalities (per 100k) | 6.4 | 12.8 | Below Average |
| Vehicle Thefts (per 100k) | 154 | 282 | Below Average |
| Most Stolen Vehicle | Honda Civic | ||
Massachusetts ranks #50 for traffic fatalities and #43 for vehicle theft among all 50 states.
What This Means for Insurance Rates
Massachusetts's below-average risk profile for both traffic fatalities and vehicle theft helps keep insurance rates more competitive compared to higher-risk states. If you drive a Honda Civic, consider adding comprehensive coverage with a low deductible.
Data: NHTSA FARS 2022, NICB Hot Spots Report 2022
Average Auto Insurance Rates in Massachusetts
The average annual auto insurance premium in Massachusetts is:
That's $107/month for full coverage
National avg: ~$$1,500/year
Top Auto Insurance Companies Operating in Massachusetts
Massachusetts Auto Insurance FAQ
What is the minimum car insurance required in Massachusetts?
Massachusetts requires minimum liability coverage of $20k/$40k/$5k. Additionally, Personal Injury Protection (PIP) of at least $8k is required. Uninsured/underinsured motorist coverage is also mandatory.
Is Massachusetts a no-fault or at-fault state?
Massachusetts is a no-fault state. This means after an accident, you file a claim with your own insurance company for medical expenses, regardless of who caused the accident. PIP coverage handles these expenses.
How much does car insurance cost in Massachusetts?
The average annual car insurance premium in Massachusetts is $1,289, which is 14% below the national average of $1,500. Rates vary significantly based on your driving record, age, vehicle, and ZIP code within the state.
Data Sources & Methodology
The information on this page is compiled from authoritative sources:
- •NAIC↗ — National Association of Insurance Commissioners complaint data
- •State DOI — State Department of Insurance rate filings
- •U.S. Census Bureau↗ — Population and demographic data
Insurance quotes and actual premiums will vary based on individual factors. This content is for informational purposes only.