Comparing auto insurance in Massachusetts is most useful when you account for state rules, local claims patterns, and the coverage options that protect your own vehicle as well as other drivers.
Massachusetts pricing is shaped by mandatory PIP, required uninsured motorist coverage, dense Boston-area commuting, older road networks, coastal storm exposure, winter storms, flooding, hail, and high repair costs. NOAA lists 45 billion-dollar weather and climate disaster events affecting Massachusetts from 1980 through 2024, including 15 severe storm events, 15 winter storm events, 9 tropical cyclone events, and 4 flooding events.
Massachusetts premiums can vary between Greater Boston, Worcester, Springfield, Lowell, Cambridge, the North Shore, South Shore, Cape Cod, the Islands, the Berkshires, college towns, suburbs, and rural areas because traffic density, garaging territory, commute mileage, winter weather, coastal exposure, theft risk, local claim patterns, vehicle type, driver history, SDIP or merit-rating status, and carrier pricing differ across the state.
25/50/30 + $8k PIP + UM 25/50
$25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $30,000 property damage liability per accident, $8,000 personal injury protection, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident
No Fault
Required
Massachusetts requires personal injury protection. PIP is a no-fault benefit that helps pay qualifying medical expenses, lost wages, replacement services, and funeral expenses up to the policy limit, regardless of who caused the crash.
Required
Massachusetts requires bodily injury coverage caused by an uninsured auto. The required minimum is $25,000 per person and $50,000 per accident. Underinsured motorist coverage is a separate optional protection drivers can ask about.
Recent rate data estimates Massachusetts annual auto insurance premiums at about $1,851 for full coverage and $613 for minimum coverage.
| Driver Profile | Estimated Annual Premium |
|---|---|
| Clean record, 35, full coverage | ~$1,851/yr |
| Clean record, 35, minimum required coverage | ~$613/yr |
NerdWallet June 2026 Massachusetts median annual rates for a 35-year-old driver with good credit and a clean driving record.
Source: NerdWallet 2026
Average premiums are estimates and are not quotes. Actual rates vary by garaging territory, driver profile, driving record, vehicle, annual mileage, coverage limits, deductibles, discounts, claims history, prior insurance, and carrier. Massachusetts does not allow insurers to use credit score or gender when determining car insurance rates.
Massachusetts minimum coverage focuses on required protection such as $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $30,000 property damage liability per accident, $8,000 personal injury protection, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. Minimum coverage may satisfy state rules, but it usually does not repair or replace your own vehicle after many losses.
Some drivers need a financial-responsibility filing or high-risk auto insurance after serious violations, coverage lapses, or license-related issues. The form name, filing trigger, and required duration vary by state.
Massachusetts RMV/Division of Insurance guidance reviewed for this page does not present SR-22 as a standard Massachusetts insurance filing. Massachusetts verifies compulsory auto insurance through its own registration and insurance systems. If a driver has an out-of-state suspension or court order requiring SR-22, the driver should confirm the exact requirement with the state that ordered it and their insurer.
Massachusetts does not use FR-44 as a standard state auto insurance filing in the official RMV/Division of Insurance guidance reviewed for this page.
High-risk insurance may cost more, but comparing quotes can help you review available options.
Adding a teen driver to your Massachusetts auto insurance policy typically increases premiums because newer drivers have less experience. Good student, driver training, safe driving, and household policy discounts may help reduce the cost when available.
Compare quotes when adding a teen driver because companies can rate household drivers and vehicles differently.
Insurance partners may offer various discounts to Massachusetts drivers, including:
Massachusetts drivers should ask about safe-driver, multi-car, bundling, good-student, student-away, anti-theft, passive restraint or safety feature, low-mileage, telematics, paperless billing, automatic payment, and pay-in-full discounts. Mass.gov notes that some discounts are required by law, including certain safety-feature discounts and discounts for drivers age 65 or older, while the Safe Driver Insurance Plan can lower rates for good drivers and increase rates for unsafe drivers.
Ask about available discounts when comparing quotes.
| Rank | Carrier | Market Share |
|---|---|---|
| 1 | MAPFRE Insurance Group | 17.96% |
| 2 | Berkshire Hathaway Group | 13.46% |
| 3 | Progressive Group | 10.61% |
| 4 | Safety Group | 8.59% |
| 5 | Plymouth Rock Insurance Group | 8.58% |
| 6 | Arbella Insurance Group | 7.40% |
| 7 | Liberty Mutual Group | 6.33% |
| 8 | Travelers Group | 4.87% |
| 9 | United Services Automobile Association Group | 3.74% |
| 10 | Farmers Insurance Group | 3.58% |
Source: Agency Checklists / NAIC 2024
Carrier rankings are based on 2024 Massachusetts total private passenger auto group-level direct written premium market share as reported by Agency Checklists using NAIC data. These are insurance groups, not necessarily consumer-facing brand names or quote recommendations.
Find auto insurance in these major Massachusetts cities:
The estimated average cost of car insurance in Massachusetts is $1,851 per year for full coverage and $613 per year for minimum required coverage, based on NerdWallet’s June 2026 rate analysis for a 35-year-old driver with good credit and a clean driving record. Your actual premium can vary by garaging territory, driving record, vehicle, coverage choices, deductibles, discounts, SDIP or merit-rating status, prior insurance, and carrier.
Massachusetts requires at least 25/50/30 liability coverage, $8,000 in personal injury protection, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. The liability minimums increased for policies written or renewed after July 1, 2025.
Yes. Massachusetts requires PIP and uninsured motorist bodily injury coverage. PIP helps pay qualifying injury-related costs regardless of fault, while required uninsured motorist coverage helps protect you if you are injured by an uninsured or hit-and-run driver.
Massachusetts RMV/Division of Insurance guidance reviewed for this page does not list SR-22 as a standard Massachusetts filing. Drivers with an out-of-state suspension or court order should confirm the exact filing requirement with the state that ordered it and their insurer.
Many insurance partners offer same-day coverage. Once you select a policy and complete the application, coverage can often begin immediately or on the date you specify.
Massachusetts drivers can compare quotes, keep a clean driving record, ask about SDIP or merit-rating credits, and check for safe-driver, multi-car, bundling, good-student, student-away, low-mileage, anti-theft, passive-restraint, telematics, age 65-plus, paperless billing, and payment-related discounts.
Important: A-1 Auto Insurance connects consumers with insurance quote partners. We are not a licensed insurance company or agent. The quotes you receive are from our partner insurance providers. By submitting your information, you consent to be contacted by our partners regarding insurance products and services.
Coverage availability, pricing, and requirements vary by state and individual circumstances. The information on this page is for general guidance only and is not legal advice. Check current state insurance department or DMV requirements before buying minimum-only coverage.
