Best Car Insurance In Massachusetts For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 17, 2022 | 2 MIN READ

Massachusetts car insurance is well below the national average in the country. On average, car insurance across the nation is $1,771 per year for full coverage or $565 for minimum coverage. In Massachusetts, car insurance costs $1,296 for full coverage or $446 for minimum coverage. Getting car insurance in Massachusetts shouldn’t be stressful, and we’re here to walk you through the process.

Best Massachusetts Car Insurance Companies

It’s possible to find affordable car insurance in Massachusetts. We have the best insurers available for you if you want cheap rates for excellent customer service or both. 

Cheapest Massachusetts Car Insurance Company

Car insurance is affordable in Massachusetts. Hanover has the cheapest auto insurance in Massachusetts. For minimum liability coverage, it’s $387 yearly or $32 a month.

Company With the Best Customer Service

Customer service is essential when looking for auto insurance in Massachusetts. USAA has the best customer service based on J.D. Powers’ 2021 U.S. Auto Insurance Study, with a score of 879 out of 1,000. However, it’s only available for military members. The second best is Amica Insurance, with a score of 867, and State Farm, with a score of 855 out of 1,000.

Company With the Best Premium-Reducing Programs

One of the most affordable car insurance companies is Safety Insurance. You pay $2,271 per year or $189 monthly for full coverage. There are many ways to reduce car insurance premiums, primarily through discounts.

Company With the Best Discounts

GEICO offers cheap car insurance in Massachusetts that also provides many discounts. There are many discounts, such as sign online, safe driver, multi-car, and pay-in-full. You also have the option to bundle your car, health, or home insurance to receive even more discounts. GEICO costs, on average, $2,038 yearly, which is 40% less than the average coverage in Massachusetts.

Massachusetts Insurance Demographics

There are certain demographics associated with getting auto insurance in Massachusetts. Below are demographics that are considered in the cost of auto insurance in Massachusetts. 

  • Crime Rates: Massachusetts is considered one of the safest states in the U.S. and has a violent crime rate lower than the whole country.
  • Average Household Income: The average household income is $115,964. The median household income is $84,385.
  • Median Age Range: The median age range is 39.4 years of age. 
  • Education: Massachusetts is the most educated state in America, with the highest number of bachelor-degree holders.

Common Risk Factors In Massachusetts

Common risk factors in Massachusetts that increase auto insurance rates:

  • Distracted driving
  • Driving under the influence
  • Speeding
  • Racing
  • Reckless driving
  • Property damage
  • At-fault accidents

Auto Insurance Laws In Massachusetts

Automobile insurance laws in Massachusetts are in place to protect motorists. Breaking the auto insurance laws means penalties, fines, suspensions, and even jail time. 

What are the minimum car insurance requirements in Massachusetts?

The minimum car insurance requirements for Massachusetts include the following:

  • $40,000 for bodily injury per accident from an uninsured motorist
  • $20,000 for bodily injury per person
  • $40,000 for bodily injury per accident
  • $20,000 for bodily injury per person from an uninsured motorist
  • $5,000 for property damage per accident
  • $8,000 for personal injury protection

Am I required to carry uninsured motorist coverage in Massachusetts?

Massachusetts requires mandatory coverage for uninsured drivers. The minimum requirement is $20,000 per person and $40,000 for bodily injury per accident.

Massachusetts SR-22 policies

An SR-22 is a legal requirement in Massachusetts if you’ve had a DUI conviction or ticket for driving without insurance. It’s not an insurance policy but a form issued by your insurance company to ensure that you remain insured.

Is Massachusetts a no-fault state?

Massachusetts is a no-fault state. That means you can claim if you’re in an accident, regardless of the fault.

What happens if my vehicle isn’t properly insured in Massachusetts?

Driving without insurance is illegal in Massachusetts. Driving without insurance may result in the following consequences:

  • $500 fine for the first offense
  • A fine of $500-5,00 for subsequent offenses
  • An additional $70 in fees if you need a hearing
  • An additional $500 in fees to the state’s assigned risk plan
  • Suspension of your license for 60 days
  • A $500 reinstatement fee for each offense
  • Possible jail time of up to one year

Does Massachusetts accept digital insurance cards?

Massachusetts is one of the states that allows you to present a digital insurance card as proof of insurance. New Mexico is one of the only ones left that refuse a digital insurance card. 

How Much Does Car Insurance In Massachusetts Cost?

There are many great options for cheap car insurance in Massachusetts. Rates vary depending on many factors, including where you live, your driving record, credit score, age, gender, and the insurer you choose. 

Average Cost of Car Insurance In Massachusetts By City

Car insurance in Massachusetts varies depending on what city you live in. Below are some examples of the differences in rates depending on your city. 

CityAverage Massachusetts Car Insurance CostDifference From Massachusetts Average
Boston$1,55517%
Cambridge$1,3041%
Lowell$1,3675%
Quincy$1,44410%
Springfield$1,71024%

Average Cost of Car Insurance In Massachusetts By Company

Not all insurers are created equal, and rates many vary from company to company. Below are examples of the different rates that companies offer. 

Car Insurance CompanyAverage Liability-Only Premium (Annually)Average Full-Coverage Premium (Annually)
Allstate$426$1,473
Amica$427$1,478
GEICO$494$1,110
Progressive$751$1,905

Average Cost of Car Insurance In Massachusetts By Age

Age is a huge determining factor in your car insurance in Massachusetts. The older you’re, the cheaper your car insurance is because you’re considered an experienced driver. 

AgeAverage Full-Coverage Premium (Annually)
Age 16$2,002
Age 17$1,850
Age 20$3,127
Age 22$1,716
Age 25$1,451
Age 30$1,345
Age 35$1,260
Age 40$1,223
Age 60$1,176

Average Cost of Car Insurance In Massachusetts By Gender

Gender doesn’t significantly impact car insurance in Massachusetts but is used as a pricing factor. Massachusetts, however, banned the use of gender as a rating factor by insurers, so both men and women pay the same amount for car insurance in Massachusetts.

GenderAverage Full-Coverage Premium (Annually)
Male$1,150
Female$1,150

Average Cost of Car Insurance In Massachusetts By Credit Score

Insurers use credit scores to determine how reliable a customer is. Data trends suggest that drivers with excellent credit often are more dependable drivers. Data suggest that they file claims less often, so insurers don’t have to pay claims.

Credit ScoreAverage Annual Premium
Very Poor$1,150
Fair$1,150
Good$1,150
Very Good$1,150
Great$1,150

Average Cost of Car Insurance In Massachusetts By Driving Record

Your driving record has a huge affect on your car insurance rates. If you’re a safe driver, you likely pay less car insurance in Massachusetts than if you have a bad driving record. 

Driving IncidentAverage Full-Coverage Premium (Annually)% Increase In Average Full-Coverage Premium
Clean Driving Record$1,2960%
Speeding Ticket$1,71624%
At-Fault Accidents$2,16940%
DUI$2,46547%

What Optional Massachusetts Auto Insurance Coverages Should You Consider?

There are great options for optional coverage for car insurance in Massachusetts:

  • Collision
  • Optional Bodily Injury
  • Comprehensive
  • Limited Collision
  • Underinsured Motorist Bodily Injury
  • Loan/Lease Payoff
  • Roadside Assistance
  • Rental Car Reimbursement
  • Medical Payments

What Auto Insurance Discounts To Look For In Massachusetts

There are many discounts for auto insurance in Massachusetts based on the car you own, how you drive, and the insurer you choose. Policy bundling includes good driver, driver education, new driver discounts, low-mileage discounts, anti-theft device discounts, and multi-car discounts.

FAQs

How much is car insurance monthly in MA?

Yes, if you have someone else drive your car, and they get into an accident, in most cases, your policy pays for the damages.

Is car insurance in MA expensive?

No, car insurance in Massachusetts is considered one of the cheapest in the nation. 

What is full coverage auto insurance in MA?

It’s usually defined as a policy that provides more than the minimum. Full coverage also includes comprehensive and collision insurance.

Is MA a no-fault accident state?

Massachusetts is a no-fault state. That means you can make a claim if you’re in an accident, regardless of the fault.

Can someone else drive my car in Massachusetts?

Yes, someone else is allowed to drive your vehicle and is covered under your insurance in the case of an accident. 

How To Purchase Massachusetts Car Insurance

Car insurance in Massachusetts is easy to purchase. Use our online quote tool to get several car insurance quotes and choose the best one for you.