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Massachusetts Car Insurance Guide

Discover auto insurance requirements, the best companies, and how to get the lowest rates in Massachusetts.

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Massachusetts is the largest state by population in the New England area. It’s also the 15th-largest state in the country. Many know the state for being home to Boston and famous landmarks, such as Harvard University.

With Massachusetts’ large population, there are also lots of drivers on the road. There are about 4.9 million licensed drivers in the state. Massachusetts also tends to have higher average car insurance rates than the rest of the country.

Massachusetts, like several other states, requires auto insurance to drive. This page will teach you how car insurance works in Massachusetts. This includes rate data, requirements, the best insurers, insurance laws and policies, and other key info.

Average Massachusetts Auto Insurance Rates

If you’re shopping for car insurance, it’s a smart practice to see how much drivers in your state pay on average. This can help you find out how much you can expect to pay. It might also help you know if you’re paying too much for your current policy. Keep in mind that everyone’s auto insurance rates are different. Insurers consider many factors when they’re setting your premium, such as:

  • Where you live
  • The car you drive
  • Age
  • Gender
  • Driving record

The table below shows the average price for full coverage car insurance in Massachusetts. Drivers in Massachusetts pay more, on average, for car insurance than the rest of the country. The monthly price for full coverage in Massachusetts is $9.36 higher than the US average.

CoverageMassachusetts AverageUS Average
Liability$664.92$650.35
Collision$447.05$381.43
Comprehensive$149.86$171.87
Full Coverage$1182.69$1070.47
Price Per Month$98.56$89.20
Cost totals are for one year of coverage. Rate data is from the Insurance Information Institute (III).

Average Full Coverage Rates

The graph below shows the average insurance rates in Massachusetts from 2012 to 2019. Massachusetts full coverage car insurance rates increased about 21% during this time. Rates went from $976 in 2012 to $1182 in 2019. Massachusetts’ rates have stayed above the national average for the entire period. However, the gap has closed quite a bit as time went on.

Massachusetts has high insurance rates for a few different reasons. One reason is that the state’s drivers are mostly centered in large cities, like Boston, Worcester, and Springfield. Cities are typically a hotspot for accidents and insurance claims. This results in higher rates. Another reason is that Massachusetts has a higher cost of living than most states. This causes insurance rates to be higher, in general.

Massachusetts Average Auto Insurance Rates 2012-2019

Average Liability Coverage Rates

In this graph, you can see the change in average Massachusetts liability coverage costs from 2012 to 2019. Massachusetts liability rates climbed from $578 in 2012 to $664 in 2019. This was an increase of $86, or 14%. Like with the full coverage graph, rates remained above the US average during this time.

One reason for Massachusetts’ higher liability rates is due to the health costs in the state. Massachusetts ranks third in the country for health costs per person. This could cause liability insurance claims to be more expensive per person. As a result, rates would likely be higher for everyone in the state.

Massachusetts Average Liability Coverage Rates 2012-2019

Average Collision Coverage Rates

The next graph shows the average Massachusetts collision coverage costs from 2012 to 2019. Collision coverage rates increased by $104, or 30%. Rates went from around $343 in 2012 to $447 in 2019. Much like the other coverage types, collision rates in Massachusetts are above the national average.

Massachusetts Average Collision Coverage Rates 2012-2019

Average Comprehensive Coverage Rates

Below is a graph displaying the average comprehensive coverage costs in Massachusetts from 2012 to 2019. Massachusetts comprehensive rates saw an increase of 19% during this time. They went from $125 in 2012 to $149 in 2019.

Massachusetts Average Comprehensive Coverage Rates 2012-2019

With each of the coverage types above, rates steadily increased over the years. This will likely continue. As inflation occurs, the cost of health care, litigation, and auto repairs will generally rise. This makes insurance claims more expensive for providers. Because of this, rates will continue to climb.

Massachusetts Auto Insurance Requirements

Every state, except for Virginia and New Hampshire, requires auto insurance to drive. However, requirements vary depending on the state. Minimum car insurance requirements in Massachusetts include:

  • The types of car insurance you need to buy
  • How much of each you need i.e., coverage limits

In Massachusetts, you need to buy car insurance to register your vehicle. Without carrying the proper coverage, you could lose your car registration.

Liability Insurance

Massachusetts requires you to have basic liability coverage on your policy. This type of insurance covers any damages or injury costs that you cause in an accident. It exists to protect other drivers from having to pay out of pocket. You must carry liability coverage of at least:

  • $20,000 of bodily injury liability (BIL) for one person
  • $40,000 of BIL for more than one person
  • $5,000 of property damage liability (PDL) for any one accident

You may see the state’s minimum liability requirements in a shorthand form: “20/40/5.” This refers to the minimum amount of coverage, in thousands of dollars, that you need.

Buying the minimum amount of car insurance in Massachusetts may be all you need to drive, but you may need more. Costs from an accident can get into the thousands and often go over your insurance limits. It’s best to buy as much coverage as you can to avoid paying for accident costs out of pocket.

Find the Best Car Insurance in Massachusetts

Compare quotes among leading car insurance companies to get better coverage and lower rates.

Personal Injury Protection (PIP)

Massachusetts also requires you to carry personal injury protection (PIP) on your policy. This will cover your injuries from an accident regardless of who was at fault. You may also see the state or insurers call PIP “no-fault insurance.” Massachusetts requires you to have at least $8,000 of PIP per person for each accident.

Uninsured Motorist Coverage (UM)

You must have uninsured motorist coverage (UM) to drive in Massachusetts. UM protects you and your passengers from having to pay for injuries and damages that an uninsured driver causes. You must carry UM limits of at least:

  • $20,000 per person
  • $40,000 total per accident

Valid Proof

Unlike most states, Massachusetts doesn’t require you to carry proof of insurance in your car. This means you won’t need to worry about providing an insurance ID card at a traffic stop or after an accident. This is because your car registration will already have your insurance information.

Penalties for Driving Without Insurance

Driving without car insurance is illegal in Massachusetts. If the police catch you driving without coverage, severe penalties will follow. You can expect the following penalties for driving without car insurance in Massachusetts:

  • $500 to $5,000 fine
  • Jail time of up to one year
  • 60-day driver’s license and car registration suspension
  • $500 license and registration reinstatement fee

Best Car Insurance Companies in Massachusetts

When you’re shopping for insurance, it’s crucial that you find the best company for you and your situation. The best companies put their customers above anything else. To find the best company, you’ll need to look at the overall quality of each one. This includes looking at key qualities, such as:

  • What rates they offer
  • Customer loyalty and benefits programs
  • Agent networks i.e., whether their agents are numerous and accessible
  • Customer service

Top Companies by Market Share

A good place to start to find the best company in your state is by looking at who owns the most market share. This will help you find the largest companies in the state. The largest companies are also the most popular and likely have the most resources. Below are the top auto insurance companies in Massachusetts by market share:

RankCompanyDirect Premiums WrittenMarket Share
1MAPFRE Insurance$1,257,33223.3%
2GEICO$686,54812.7%
3Liberty Mutual$579,25310.7%
4Safety Insurance$454,1578.4%
5Arbella Insurance$415,5967.7%
6Plymouth Rock$359,7676.7%
7Progressive$255,0154.7%
8MetLife$202,2613.7%
9Travelers$170,9043.2%
10USAA$168,9443.1%
Market share data is from a 2018 III report.

Top Companies by J.D. Power Rating

It’s important to find a company with a high customer satisfaction rating. J.D. Power ranks companies based on their customer satisfaction score. Below are the top ten companies in the New England area by J.D. Power’s customer satisfaction rating (USAA was not part of this list because it didn’t fit J.D. Power’s criteria):

RankCompanyCustomer Satisfaction Score (Out of 1,000)
1Amica Mutual867
2State Farm855
3GEICO841
4Progressive840
5Safety Insurance817
6Liberty Mutual816
7MAPFRE Insurance812
8Travelers812
9Allstate810
10Arbella Insurance809

Best Companies Based in Massachusetts

Another option for you is to buy insurance from a company that’s based in Massachusetts. This might be a good option for you because these companies may offer special benefits for local customers. It’s also a good way to support local businesses. Below are the best car insurance companies based in Massachusetts (in no particular order):

  • Liberty Mutual
  • Arbella Insurance
  • MAPFRE Insurance
  • Plymouth Rock Assurance
  • Safety Insurance

Massachusetts Auto Insurance Laws

No-Fault or Fault?

Massachusetts is a no-fault car insurance state. These are states that require you to add personal injury protection (PIP) to your policy. This is because PIP covers your injuries regardless of fault. Massachusetts requires you to have at least $8,000 worth of PIP on your policy to drive.

Totaled Cars

Your insurer will generally label your car as a total loss if the damage costs are more than the actual cash value (ACV). However, each state uses different rules for when a car becomes a total loss. Many states name a car a total loss if the damages reach a certain percentage of the car’s ACV.

Instead of a percentage, Massachusetts requires insurers to use the total loss formula (TLF) to decide whether or not a car is totaled. With the TLF, a car is a total loss if the car’s damage costs plus its salvage value exceed the ACV. If your car isn’t a total loss, you’ll be able to get it back and repair it.

Salvage and Reconstructed Titles

If your car is a total loss, it’ll receive a salvage title. Salvage titles cars are illegal to drive. It’s also impossible to get car insurance for a salvage title car. You must get a rebuilt or reconstructed title to be able to drive the car again.

How to Get a Reconstructed Title in Massachusetts

To get a reconstructed title in Massachusetts, you need to rebuild the car to a drivable condition. Then, you can apply for a reconstructed title. Here are the exact steps to get a reconstructed title in Massachusetts:

  • Repair the car to a safe and roadworthy condition
  • Have the car pass a salvage inspection
  • Bring the following documents to a local RMV Service Center
    • Current salvage title
    • Registration certificate (only if it applies)
    • $75 title application fee
  • Wait four to six weeks for the RMV to mail the reconstructed title

Insuring Cars with Reconstructed Titles in Massachusetts

You can get auto insurance for reconstructed title cars in Massachusetts. But it may be hard to get full coverage. Insurers aren’t fond of previously totaled cars. Because of this, insurance providers will likely only offer you a liability-only policy.

Insurance coverage for a reconstructed title car will also typically cost more. Rebuilt cars carry more of a risk and can be more expensive to repair. Be sure to shop around and compare quotes to find the best rate for your rebuilt car.

Full Windshield Replacement

In Massachusetts, insurers must offer you the option of adding full glass coverage to your policy. Full glass coverage repairs your windshield without a deductible. Keep in mind that full glass coverage will cost extra to add to your policy. It would be a good idea for you if you feel your car’s at risk for windshield damage.

Filing Claims

If you end up in an accident, you’ll likely have to file an auto insurance claim. This should be a simple and painless process. Like other states, Massachusetts gives you rights to protect yourself during the claim process.

What to Expect After Filing a Claim

In Massachusetts, insurers must settle your claim in a reasonable amount of time. The reasonable amount of time differs based on the type of insurance claim. There is no specific time limit for insurers to follow when handling your claim.

SR-22 Forms

You may need to file an SR-22 form in Massachusetts if you have a serious driving offense, such as a DUI. SR-22 forms ensure that you have the minimum amount of insurance on your policy. A court will usually be the one to order you to file an SR-22. Your insurer can file the form for you. Be aware that you’ll need to pay a minimal filing fee to your insurer.

Credit History

In many states, insurers may use your credit history as a factor in determining your rates. Massachusetts bans insurers from using your credit score to decide your rates. They also may not use it to drop or deny your policy.

Policy Cancellation

Massachusetts affords you the right to cancel your auto insurance policy at any time. But your company may financially penalize you for dropping the policy before it expires. At the same time, your insurer may also cancel your policy early for good reasons, such as fraud, license suspension, or not paying your premium. In this case, they’ll need to give you at least 20 days’ notice.

Safe Driver Insurance Plan (SDIP)

Insurers in Massachusetts use the SDIP to reward safe drivers with lower rates and penalize unsafe drivers with higher rates. The SDIP only applies to the following insurance coverages:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Collision coverage

You’ll receive lower rates if you go a certain time without traffic violations or at-fault accidents. Similarly, your rates may go up if you rack up tickets and at-fault accidents on your record. The state doesn’t require insurance companies to use the SDIP, but many of them do. Be sure to ask your agent about what your insurer uses to keep track of safe or unsafe driving.

Massachusetts Drunk Driving Laws

Driving while under influence of drugs or alcohol is a bad choice. It puts you and others in danger. Also, it can cost you thousands of dollars, ruin your record, and maybe even result in jail time. In Massachusetts, you’ll get a DUI if your blood alcohol content (BAC) is 0.08 or higher (or 0.02 or lower if you’re under 21). Commercial drivers will receive a DUI if their BAC is 0.04 or higher.

The penalties for a DUI are usually severe. After each offense, the penalties will get worse. Below are the penalties for a DUI in Massachusetts:

First offense:

  • Fine of $500 to $5,000
  • Jail time of up to two and a half years
  • Driver’s license suspension of 45 to 90 days

Second offense:

  • Fine of $600 to $10,000
  • Jail time of 60 days to two and a half years
  • Driver’s license suspension of two years
  • Ignition interlock device (IID) after driver’s license reinstatement

Third offense:

  • Fine of $1,000 to $15,000
  • Jail time of 180 days to two and a half years
  • Driver’s license suspension of eight years
  • IID after driver’s license reinstatement

Getting a DUI won’t just get you in trouble with the law. You can expect your insurance rates to go way up afterward. Insurers will view you as a high-risk driver. This will make it hard to get coverage in the future and may force you to turn to non-standard insurance or state-assigned risk pools.

Massachusetts Driving Record and Points System

Massachusetts doesn’t use a driver’s license points system to keep track of violations on your record. They do, however, keep a record of tickets, accidents, and suspensions. This record is public information. Anyone may request a copy of it, including insurers.

Most Popular Cars in Massachusetts

Each state has a different group of most popular cars. These cars sell the most throughout the year. Here were the most sold cars in Massachusetts in 2021:

  1. Toyota RAV4
  2. Honda CR-V
  3. Jeep Grand Cherokee
  4. Toyota Highlander
  5. Ford F-Series

Most Stolen Cars in Massachusetts

Insurers pay attention to which cars thieves target most each year. These cars are more likely to be stolen than others. Owning a car that thieves target often could result in a bump in your rates. These were Massachusetts’ most stolen vehicles in 2021:

  1. 2013/2009 Honda Accord
  2. 2012 Honda Civic
  3. 2019 Toyota Camry
  4. 2020 Toyota Corolla
  5. 2020 Nissan Altima
  6. 2019 Ford Pick-Up (Full Size)
  7. 2019 Toyota RAV4
  8. 2019 Jeep Cherokee/Grand Cherokee
  9. 2019 Ford Fusion
  10. 2019 Hyundai Elantra
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