Compare MA Auto Insurance Rates Instantly
Get competitive car insurance quotes in Massachusetts. Compare rates from top insurers, understand MA requirements, and save with our expert guidance on no-fault coverage and state-specific discounts.
Understanding compulsory and optional coverage in the Bay State
$20,000/$40,000
Per person/Per accident
Minimum bodily injury and property damage coverage required by Massachusetts law
$8,000
Minimum PIP coverage
Personal Injury Protection (PIP) for medical expenses and lost wages
Pop: 675,647
$2,014
Urban density
Winter weather
Historic streets
Pop: 206,518
$1,682
Central location
College town
Mixed traffic
Pop: 155,929
$1,548
Western MA hub
Lower density
I-91 corridor
Pop: 118,403
$1,956
College density
Urban traffic
Limited parking
Pop: 115,554
$1,723
Merrimack Valley
Commuter city
Historic mills
Pop: 105,643
$1,889
South Shore
Route 24 access
Urban challenges
Understanding how Massachusetts insurers calculate your rates
Massachusetts uses a Safe Driver Insurance Plan (SDIP)
Rates vary significantly by city and ZIP code
Choose between compulsory and optional coverage
Massachusetts rewards experienced drivers
Massachusetts operates under a modified no-fault system
Your PIP coverage pays for your medical expenses regardless of fault
You can only sue for pain and suffering if injuries exceed $2,000 or involve serious injury
Property damage claims are handled on an at-fault basis
Serious injuries allow stepping outside no-fault for additional compensation
Take advantage of these discounts to lower your MA auto insurance quotes
Full-time students with B average or better
Age 16-25
Full-time enrollment
B average or 3.0 GPA
Insure multiple vehicles on same policy
2+ vehicles
Same household
All drivers listed
Massachusetts rewards 6+ years clean driving
6 years claim-free
No violations
Continuous coverage
Approved devices reduce comprehensive rates
Factory installed
Aftermarket approved
Active systems
Complete state-approved course
Approved course
Certificate required
Age restrictions apply
Drive less than 7,500 miles annually
Verified mileage
Annual reporting
Telematics option
Follow these steps to get accurate Massachusetts auto insurance quotes
Common questions about getting auto insurance quotes in Massachusetts
The average cost of car insurance in Massachusetts is approximately $1,616 per year for full coverage and $542 for minimum coverage. Boston residents typically pay more at around $2,014 annually, while rural areas see lower rates. Your specific rate depends on your driving record, location, vehicle, and coverage selections.
Massachusetts requires: $20,000/$40,000 bodily injury liability, $5,000 property damage liability, $8,000 Personal Injury Protection (PIP), and $20,000/$40,000 uninsured motorist bodily injury. These are compulsory coverages. Optional coverages like collision and comprehensive are highly recommended but not required.
Under Massachusetts no-fault law, your own PIP coverage pays for your medical expenses and lost wages up to $8,000, regardless of who caused the accident. You can only sue the at-fault driver for pain and suffering if your medical expenses exceed $2,000 or you suffer serious injury like permanent disfigurement or loss of hearing/sight.
To get cheap MA car insurance quotes: maintain a clean driving record, compare quotes from multiple insurers, take advantage of the Safe Driver Plus discount, bundle home and auto policies, increase deductibles on optional coverages, ask about all available discounts, and consider usage-based insurance programs.
The SDIP assigns points for at-fault accidents and traffic violations. More points mean higher premiums. Minor violations = 2 points, major violations = 4-5 points. Points affect rates for 6 years. Drivers with clean records for 6+ years qualify for the Safe Driver Plus discount of up to 30%.
While not required by law, collision and comprehensive are recommended if your car is worth more than $3,000 or you have a loan/lease. Massachusetts winters, deer collisions, and theft risks make these coverages valuable. Consider your vehicle's value and your ability to replace it when deciding.
You can get instant online quotes in 5-10 minutes from most insurers. For the most accurate quotes, have your driver's license, vehicle information, and current insurance details ready. Phone quotes typically take 15-20 minutes. Always get multiple quotes to ensure you're getting the best rate.
If you're moving to Massachusetts, you can get quotes before you arrive. You'll need a Massachusetts address and must register your vehicle in MA within 30 days of establishing residency. Some insurers offer provisional quotes that finalize once you complete your move and vehicle registration.