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Whether you are heading to Boston or Salem, Massachusetts drivers need car insurance to legally get everywhere they need to go in the Bay State. We understand that searching for the best Massachusetts car insurance quotes can be tedious when comparing different providers, which is why we strive to make it as easy as possible by having it all in one place.

To help you find the best car insurance, our review team explores the cost of Massachusetts car insurance, the state minimum car insurance requirements, and more to answer your questions about insurance in the Bay State. 

Whenever you’re shopping for affordable car insurance, we recommend getting quotes from multiple providers and comparing them to be sure you’re getting coverage for the best possible price, as many factors can impact your car insurance quote. To help you make a more educated decision, our review team evaluated 30 of the best automobile insurance providers based on financial strength, availability, customer service, cost and discounts, coverage, and technology. Read our review of the best car insurance companies to learn more about our top 12 picks, including providers such as USAA, Geico, Progressive, and Liberty Mutual.

Enter your zip code into the tool below to start comparing auto insurance quotes, or call us at (844) 246-8209 for free, personalized quotes.


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Massachusetts Car Insurance Minimum Requirements

Massachusetts has liability insurance limits of 20/40/5. This means that when you get auto insurance in Massachusetts, you are required by law to meet the following minimum coverage limits:

  • $20,000 in bodily injury protection per person
  • $40,000 in bodily injury protection per car accident
  • $5,000 in property damage liability per car accident

In addition to property and injury liability insurance, drivers in Massachusetts are also required to carry at least $8,000 in personal injury protection (PIP). There are two kinds of PIP coverage offered in the state of Massachusetts. The first is policyholder-only coverage that only covers the owner of the auto insurance policy. The second is household coverage that covers the policyholder and other household members.

When you start gathering Massachusetts car insurance quotes, you will see that you have the option to purchase additional coverages like collision insurance, comprehensive car insurance, uninsured/underinsured motorist coverage, and more. Many companies let customers customize protection plans so they only pay for coverage they want. 

Factors That Affect Massachusetts Car Insurance Quotes

The cost of your car insurance premium in Massachusetts depends on a number of factors, including:

  • Information about the insured vehicle (make, model, and year)
  • Number of miles you drive annually
  • Your driving record
  • Personal factors such as your age, gender, and marital status
  • How long you’ve been driving
  • Your exact location
  • Your credit score

Whenever you shop for car insurance, we recommend getting quotes from multiple insurers so you can compare car insurance rates and coverage. Use our easy tool below to enter your zip code or call (844) 246-8209 to start comparing personalized auto insurance quotes:


What’s The Average Cost Of Car Insurance In Massachusetts?

The average cost of car insurance in Massachusetts was $1,136.60 in 2017 according to the National Association of Insurance Commissioners (NAIC).  This was higher than the national average of $1,004.68, making Massachusetts the 12th most extensive state for car insurance in the U.S.

Here’s a breakdown of the coverage costs for car insurance in Massachusetts that year according to the Insurance Information Institute:

Type Of Coverage Average Annual Expenditure in 2017
Liability coverage $642.92
Collision coverage $427.17
Comprehensive coverage $145.10
Total cost $1,136.60

*To calculate average expenditures, NAIC assumed that all insured motor vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

How To Get Cheap Car Insurance In Massachusetts

There are many factors that go into determining your auto insurance rates. Some ways to save money and find the cheapest car insurance coverage include:

  • Asking your local car insurance agent about discounts: Discounts vary from provider to provider, but some of the most common car insurance discounts include good driver discounts, good student discounts, and customer loyalty programs.
  • Improving your credit score: People with lower credit scores tend to file more claims than those with higher credit scores. Because of this, many insurance companies use credit scores as a factor in determining your premium. Improve your credit score over time to see lower auto insurance quotes in Massachusetts.
  • Bundling home and car insurance policies: Consider buying your home insurance from the same provider as your automobile insurance to bundle policies and start saving.

What If You Drive Without Insurance In Massachusetts?

Motorists caught driving without insurance in Massachusetts could face serious penalties, such as:

  • Fines between $500 and $5,000
  • Up to 1 year in jail
  • Suspension of driver’s license, registration, and plates for up to 60 days

Once drivers have proof of insurance, they must pay a reinstatement fee and file the proper paperwork to have their driving privileges reinstated.

Top Picks For Car Insurance Quotes In Massachusetts

When you’re looking for a car insurance provider, it’s smart to compare car insurance quotes from multiple sources. We recommend drivers in Massachusetts look at the following providers for car insurance. To learn more, check out our articles on the best Massachusetts car insurance.

Best Massachusetts Car Insurance Motor1 Rating Customer Service Grade Affordability Coverage

1. Geico Car Insurance





2. Safety Insurance





3. Progressive Auto Insurance





4. Travelers Car Insurance





5. MetLife Car Insurance






*You may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for car insurance in Massachusetts.

Our Recommendation For Massachusetts Auto Insurance: Geico Insurance

Our research found that Geico car insurance is the best overall, and it’s also our top choice for Massachusetts. Geico has a strong reputation among industry experts and satisfied customers. The company received an A++ (Superior) financial strength rating from AM Best and an A+ rating from the Better Business Bureau (BBB).

If you’re a Massachusetts driver looking for affordable auto insurance coverage, Geico has many discount opportunities that you could qualify for, including good driver discounts, discounts for anti-theft equipment, and federal employee discounts.

Read more in our Geico review.

To compare the cheapest car insurance quotes in Massachusetts, use the easy tool below to enter your zip code or call our team at (844) 246-8209.



In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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