Shopping for cheap car insurance in Massachusetts starts with comparing equivalent coverage across several insurers. Massachusetts auto insurance rates vary by garaging territory, driving history, vehicle, mileage, coverage limits, deductibles, prior insurance, merit-rating history, and company. Unlike most states, Massachusetts prohibits private passenger auto insurers from using credit information, sex, or marital status to determine rates. Use the quote form to compare Massachusetts car insurance quotes, then review the 2026 minimum requirements, PIP and uninsured-motorist rules, optional full coverage, SDIP, and available discounts below.
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 combines dense Greater Boston commuting and older road networks with winter weather, coastal storms, flooding, falling branches, animal collisions, and substantial differences between urban, suburban, coastal, and rural driving. NOAA records 45 billion-dollar weather and climate disasters affecting Massachusetts from 1980 through 2024, including 15 winter storms, 15 severe storms, 9 tropical cyclones, and 4 floods. Massachusetts Division of Insurance also stresses that the four compulsory auto coverages do not pay for damage to your own vehicle; collision and comprehensive coverage are optional protections drivers should consider when comparing policies.
Massachusetts auto insurance rates can vary substantially by garaging territory. Drivers in Greater Boston, Worcester, Springfield, Lowell, Cambridge, the North Shore, South Shore, Cape Cod, the Islands, the Berkshires, suburbs, college communities, and rural areas can receive different premiums based on permitted factors such as years of driving experience, driving record, vehicle, garaging location, mileage, claims history, coverage selections, and merit-rating status. Massachusetts prohibits rating based on credit information, sex, or marital status. Compare Massachusetts car insurance quotes using the same policy term, limits, and deductibles because one company’s cheapest quote may simply contain different coverage.
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 per person, and uninsured motorist bodily injury coverage of at least $25,000 per person and $50,000 per accident
No Fault
Required
Massachusetts requires Personal Injury Protection (PIP) with benefits of up to $8,000 per person. PIP is no-fault coverage that can pay qualifying medical expenses, replacement services, funeral expenses, and up to 75% of qualifying lost wages regardless of who caused the accident. When an injured person has private health insurance, Massachusetts coordination-of-benefits rules generally require PIP to pay the first $2,000 of medical expenses before health coverage becomes involved, with remaining PIP benefits potentially covering qualifying deductibles, copayments, coinsurance, or expenses not covered by the health plan.
Required
Massachusetts requires Bodily Injury Caused by an Uninsured Auto coverage of at least $25,000 per person and $50,000 per accident. It can protect the insured and qualifying passengers against bodily injuries caused by an uninsured or unidentified hit-and-run driver. Underinsured motorist coverage is separate optional protection and can provide additional bodily injury protection when an at-fault driver has insurance but insufficient limits.
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, age 35, full coverage | ~$1,851/yr (~$154/mo) |
| Clean record, age 35, minimum required coverage | ~$613/yr (~$51/mo) |
NerdWallet August 2026 Massachusetts median annual rates for a 35-year-old driver with a clean driving record; approximately $154 per month for full coverage and $51 per month for minimum required coverage. Massachusetts law prohibits private passenger auto insurers from using credit information to determine rates.
Source: NerdWallet 2026
Average premiums are estimates, not quotes. Actual Massachusetts car insurance rates vary by garaging territory, years of driving experience, driving and claims history, vehicle, vehicle use and annual mileage, coverage limits, deductibles, prior insurance, SDIP or insurer merit-rating status, available discounts, and insurance company. Massachusetts prohibits insurers from using credit information, sex, marital status, and several other personal characteristics for private passenger auto rating.
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 per person, and uninsured motorist bodily injury coverage of at least $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 and Division of Insurance guidance reviewed for this page does not identify SR-22 as a standard Massachusetts proof-of-insurance filing. Massachusetts generally verifies compulsory coverage through its registration and insurer-certification systems. If another state, court, or specific suspension order requires an SR-22, the driver should confirm that requirement with the authority that imposed it and the insurer.
Massachusetts does not use FR-44 as a standard state auto-insurance filing in the RMV and 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 looking for affordable auto insurance should compare several insurers and ask about every available discount. Common discounts include accident- or violation-free driving, bundling, multiple vehicles, low mileage, telematics, paid-in-full billing, early shopping, anti-theft and vehicle-safety equipment, good students, students away at school, paperless documents, and defensive-driving programs. Massachusetts law also provides a 25% rate reduction for qualifying insured drivers age 65 or older who otherwise qualify for the lowest rate classification applicable to drivers generally.
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 reported by Agency Checklists using NAIC data. MAPFRE’s Massachusetts business is commonly associated with the Commerce Insurance brand. These figures measure premium volume and should not be treated as a ranking of the cheapest or best Massachusetts car insurance companies or as confirmation that a carrier participates in this site’s quote marketplace.
Find auto insurance in these major Massachusetts cities:
NerdWallet’s August 2026 analysis estimates the average cost of car insurance in Massachusetts at $1,851 per year, or about $154 per month, for full coverage and $613 per year, or about $51 per month, for minimum required coverage for a 35-year-old driver with a clean driving record. Both figures are below NerdWallet’s August 2026 national averages of $2,356 and $646. Your own Massachusetts rate can vary by garaging territory, driving history, vehicle, mileage, coverage, deductibles, prior insurance, merit-rating status, discounts, and company.
Massachusetts requires four compulsory auto coverages. For policies issued or renewed on or after July 1, 2025, the minimums are $25,000 bodily injury liability per person and $50,000 per accident, $30,000 property damage liability per accident, up to $8,000 per person in Personal Injury Protection, and $25,000 per person/$50,000 per accident of bodily injury protection caused by an uninsured auto. These are legal minimums rather than necessarily recommended coverage levels.
Yes. For motor vehicle liability policies issued or renewed on or after July 1, 2025, Massachusetts increased compulsory Bodily Injury to Others from 20/40 to 25/50, uninsured motorist bodily injury from 20/40 to 25/50, and property damage liability from $5,000 to $30,000. The $8,000 compulsory PIP limit remained in place.
“Full coverage” is not a specific Massachusetts policy defined by law. The term usually means the four compulsory Massachusetts coverages combined with optional collision and comprehensive protection for your own vehicle and often broader optional bodily injury coverage. Collision can pay for covered crash damage to your car, while comprehensive can cover qualifying non-collision losses such as flooding, fire, theft, vandalism, falling branches, or contact with an animal.
The compulsory Part 1 Bodily Injury to Others coverage applies only to accidents occurring in Massachusetts. To have bodily injury liability coverage outside Massachusetts, drivers need optional Part 5 coverage. Part 5 also provides broader protection for guest passengers and generally follows the insured throughout the United States and Canada. This is an important difference to compare if you regularly drive outside Massachusetts.
Yes. Massachusetts requires up to $8,000 per person in Personal Injury Protection and at least $25,000 per person/$50,000 per accident of Bodily Injury Caused by an Uninsured Auto coverage. PIP provides qualifying no-fault injury benefits, while uninsured-motorist coverage protects against bodily injury caused by uninsured or unidentified hit-and-run drivers. Underinsured motorist protection is an optional coverage.
No. Massachusetts law prohibits private passenger auto insurers from using credit information, including credit-based insurance scores, for rating or underwriting. Insurers also may not rate drivers based on sex or marital status. Rates can still vary based on permitted factors such as driving experience, driving history, vehicle, garaging territory, mileage, coverage selections, and other approved rating factors.
There is no single cheapest Massachusetts car insurance company for every driver. Compare several insurers using the same policy term, drivers, vehicles, liability limits, optional Part 5 coverage, collision and comprehensive deductibles, and other selections. Massachusetts Division of Insurance encourages consumers to shop around because insurers use different rating methods and discounts. Check safe-driver, low-mileage, bundling, multi-car, good-student, telematics, safety-feature, and other savings before choosing solely on the advertised price.
Compare quotes that use the same compulsory coverages, optional bodily injury limits, collision and comprehensive deductibles, and vehicle information. Full-coverage prices can vary significantly between Massachusetts insurers. Raising physical-damage deductibles may reduce premiums, but choose an amount you could afford after a claim. Also check low-mileage, safe-driver, multi-car, bundling, telematics, and vehicle-safety discounts before reducing coverage to save money.
Make sure each Massachusetts quote uses the same policy period, drivers, vehicles, coverage limits, optional Part 5 bodily injury protection, collision and comprehensive deductibles, and other options. The Division of Insurance specifically warns that an unusually cheap quote may be based on a six-month policy while another quote covers a full year. Compare equivalent coverage and policy terms before deciding which insurer is actually offering the better value.
New drivers should compare several Massachusetts insurers because years of driving experience can affect premiums and companies do not all price new drivers the same way. Ask about approved driver-training, good-student, student-away, telematics, multi-car, and family-policy discounts where applicable. New drivers should also compare higher liability limits against the compulsory minimums rather than reducing protection solely to obtain the lowest initial premium.
The Safe Driver Insurance Plan, or SDIP, is a merit-rating system that can adjust auto insurance premiums based on driving history. Insurers may choose to use SDIP or their own approved merit-rating plan, while policies assigned through MAIP use SDIP. Under SDIP, surchargeable traffic violations and at-fault accidents can increase affected premiums, while qualifying drivers with incident-free histories can receive Excellent Driver credits.
The Massachusetts Automobile Insurance Plan, or MAIP, is the state’s involuntary auto insurance market for drivers who cannot obtain a policy through ordinary voluntary insurers. MAIP is not an insurance company and does not provide direct quotes. A licensed insurance agent can apply to MAIP on behalf of an eligible driver, who is then assigned to a participating insurer. Massachusetts says MAIP rates are generally higher than voluntary-market rates, so drivers should try the regular market first.
Massachusetts does not identify a separate state auto insurance program that provides discounted premiums simply because a driver has low income. MAIP is sometimes confused with such a program, but MAIP is an assigned-risk mechanism for drivers who cannot obtain coverage in the voluntary market and its rates are generally higher, not subsidized based on income. Drivers trying to lower costs should compare voluntary-market quotes and available discounts before using MAIP.
Yes. Massachusetts law requires a 25% rate reduction for an insured age 65 or older who otherwise qualifies for the lowest rate classification applicable to drivers generally. The reduction applies according to the statutory eligibility requirements and should be reflected in the policy for a qualifying insured.
Based on 2024 Total Private Passenger Auto direct written premium, the largest Massachusetts insurance groups were MAPFRE at 17.96%, Berkshire Hathaway, which includes GEICO, at 13.46%, Progressive at 10.61%, Safety at 8.59%, and Plymouth Rock at 8.58%. Arbella, Liberty Mutual, Travelers, USAA, and Farmers also ranked among the top ten. Market share measures premium volume and does not identify the cheapest or best insurer for an individual driver.
Massachusetts RMV and Division of Insurance guidance reviewed for this page does not list SR-22 as the state’s standard proof-of-insurance filing. Massachusetts normally verifies compulsory coverage through its own registration and insurance-certification system. If another state, a court, or a specific suspension order requires an SR-22, confirm the exact filing requirement with that authority and your insurer.
Some insurers can issue Massachusetts auto insurance with a same-day effective date once the application, underwriting requirements, and payment are completed. If the policy is being used for a registration or reinstatement transaction, make sure the required insurance certification is properly recorded before driving or completing the RMV transaction.
Compare Massachusetts auto insurance quotes regularly and ask each company about safe-driver, accident-free, multi-car, bundling, low-mileage, telematics, paid-in-full, early-shopper, vehicle-safety, anti-theft, good-student, student-away, paperless, and other discounts. Qualifying drivers age 65 or older receive a statutory 25% reduction from the otherwise applicable lowest rate classification. Drivers with clean records may also benefit from SDIP or insurer-specific merit-rating credits.
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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.
