Car insurance in Massachusetts comes with specific requirements and rate factors that every driver should understand. This guide covers minimum coverage, average costs, the cheapest insurers, and how to save.
Massachusetts Minimum Car Insurance Requirements
Massachusetts requires all drivers to carry 20/40/5 liability coverage:
| Coverage Type | Minimum Limit | What It Covers |
|---|---|---|
| Bodily Injury Liability | \,000 per person / \,000 per accident | Medical expenses for others you injure |
| Property Damage Liability | \,000 per accident | Damage you cause to others' property |
Is Massachusetts a No-Fault State?
No. Massachusetts is a choice no-fault state. Drivers can choose Limited or Full Tort options.
Average Car Insurance Costs in Massachusetts
| Coverage Type | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Liability Only | \–\ | Approx. \–\/month |
| Full Coverage | \,300–\,700 | Approx. \–\/month |
Massachusetts's average full coverage rate is about 5–10% below the national average (,674).
Cheapest Car Insurance Companies in Massachusetts
- Geico
- Amica
- Commerce Insurance
- State Farm
Massachusetts Insurance Laws You Should Know
Massachusetts requires Personal Injury Protection (PIP) of \,000. UM coverage is required at 20/40. The state has strict insurance filing requirements. Massachusetts is a choice no-fault state.
Discounts Available to Massachusetts Drivers
- Multi-policy
- good driver
- good student
- anti-theft
- defensive driving
- low mileage
Frequently Asked Questions
What are the minimum car insurance requirements in Massachusetts?
20/40/5 minimum liability coverage plus \,000 PIP.
Is Massachusetts a no-fault state?
No. Massachusetts is a choice no-fault state.
How much is car insurance in Massachusetts?
Average full coverage in Massachusetts is \,300–\,700 per year, about 5–10% below the national average.