Car insurance in Massachusetts costs an average of $105 per month for a minimum coverage policy and an average of $327 per month for full coverage.
Types of Car Insurance Required in Massachusetts
Bodily injury liability insurance of at least $20,000 per person and $40,000 per accident. Bodily injury liability insurance pays for the medical expenses of other drivers in accidents you cause. It can cover things like hospital fees, loss of income, pain and suffering, and funeral costs.
Property damage liability of at least $5,000. Property damage liability insurance pays for other drivers' property damage in accidents you cause. It can cover things like vehicle repairs or damage to stationary objects like houses or fences.
Uninsured motorist insurance of at least $20,000 per person, and $40,000 per accident. Uninsured motorist coverage pays for your expenses after an accident caused by a driver who doesn't have any car insurance.
Personal injury protection of at least $8,000. Personal injury protection pays for medical expenses, lost wages, and household expenses after a you or your passengers are injured in a car accident.
Premiums are representative of a 45-year-old good driver with a minimum coverage policy.
Massachusetts is similar to the majority of states in that it requires all drivers to have at least a certain amount of car insurance. Virginia and New Hampshire, on the other hand, are the only states that do not require drivers to carry traditional auto insurance.
The minimum liability car insurance requirements in Massachusetts are $20,000 in bodily injury liability insurance per person ($40,000 per accident) and $5,000 in property damage liability insurance. These requirements can also be written as 20/40/5. In addition, drivers in Massachusetts will need to purchase $8,000 in personal injury protection coverage, plus $20,000 per person and $40,000 per accident in uninsured motorist bodily injury coverage to satisfy the state's minimum car insurance requirements.
Liability insurance pays for others' medical expenses and property damage...
Car insurance in Massachusetts costs $54 per month or $647 per year for minimum coverage, on average. The cheapest car insurance companies in Massachusetts are USAA, Patriot, and Geico, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Massachusetts is 36% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Massachusetts, including...
Full coverage insurance in Massachusetts is usually defined as a policy that provides more than the state’s minimum liability coverage, which is $20,000 in bodily injury coverage per person, up to $40,000 per accident, and $5,000 in property damage coverage. Full coverage in Massachusetts also includes optional collision and comprehensive insurance. As a result, full coverage insurance costs an average of $2,114 per year in Massachusetts, while a state minimum policy costs $647 per year.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.