Massachusetts Car Insurance Calculator
Calculate your auto insurance cost in Massachusetts. Compare with state averages and find savings.
$1,567
Avg Annual Premium
20/40/5
Min Liability
Monthly Avg
$131
Full Coverage
$2,089
Min Coverage
$534
Uninsured Rate
6.2%
Massachusetts Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$20,000
Bodily Injury (per accident)$40,000
Property Damage$5,000
Additional Requirements
PIP RequiredYes ($8,000 min)
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Massachusetts
No-fault stateUrban densityWinter weather
Major Metro Areas in Massachusetts
BostonWorcesterSpringfieldCambridgeLowell
FAQ
Massachusetts Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Massachusetts
The average annual car insurance premium in Massachusetts is $1,567, or about $131 per month. Full coverage averages $2,089 annually, while minimum coverage averages $534. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Massachusetts requires minimum liability coverage of 20/40/5 ($20,000/$40,000 for bodily injury and $5,000 for property damage). Massachusetts also requires Personal Injury Protection (PIP) with a minimum of $8,000. Uninsured motorist coverage is also required.
Key factors affecting Massachusetts car insurance rates include: No-fault state, Urban density, Winter weather. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 6.2% of drivers in Massachusetts are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Massachusetts car insurance: 1) Compare quotes from multiple insurers like GEICO, Progressive, Liberty Mutual. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Massachusetts include: GEICO, Progressive, Liberty Mutual, Arbella, Safety Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MA Insurance Costs
Average premiums in Massachusetts:
- Annual Average$1,567
- Monthly Average$131
- Full Coverage$2,089
- Minimum Coverage$534
MA Requirements
Minimum coverage required:
- Liability20/40/5
- PIP RequiredYes
- UM RequiredYes
- Uninsured Rate6.2%
Top MA Insurers
Popular insurance companies:
- •GEICO
- •Progressive
- •Liberty Mutual
- •Arbella
- •Safety Insurance