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Car Insurance in Massachusetts: 2026 Rates & Guide

Massachusetts is a mid-range state for car insurance. The average driver pays $145/month ($1740/year). Here's how to find the best rate for your situation.

$145

Avg Monthly

$1740

Avg Annual

#15

Cost Rank (1=priciest)

$108

Cheapest Option/mo

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Cheapest Car Insurance Companies in Massachusetts (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Massachusetts — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestAmica
$108/mo4.8Get Quote
2
GEICO
$114/mo4.3Get Quote
3
State Farm
$122/mo4.5Get Quote
4
Safety Insurance
$112/mo4.4
5
Progressive
$132/mo4.1Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Massachusetts Car Insurance Requirements

Minimum Coverage: 20/40/5

Massachusetts is a no-fault state. You must carry Personal Injury Protection (PIP) in addition to liability coverage.

Massachusetts Insurance Facts

Massachusetts is a no-fault state — PIP covers your own medical expenses regardless of fault up to $8,000.
Amica Mutual, headquartered in Providence RI, consistently earns the highest satisfaction scores in the state.
Boston drivers pay significantly more than western Massachusetts due to traffic density and higher repair costs.

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How to Get Cheaper Car Insurance in Massachusetts

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Massachusetts — FAQs

What is the average cost of car insurance in Massachusetts?
The average car insurance cost in Massachusetts is $145 per month ($1740 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Massachusetts?
Massachusetts requires minimum liability coverage of 20/40/5 (bodily injury per person / bodily injury per accident / property damage). Massachusetts is a no-fault state, which means additional PIP coverage is also required.
Which company has the cheapest car insurance in Massachusetts?
Based on our research, Amica offers the lowest average rate in Massachusetts at around $108/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Massachusetts a no-fault car insurance state?
Yes, Massachusetts is a no-fault state. This means your own insurance covers your medical bills after an accident regardless of who was at fault. Personal Injury Protection (PIP) coverage is required.
How can I lower my car insurance in Massachusetts?
The most effective ways to lower your car insurance in Massachusetts include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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