Best Car Insurance in Massachusetts

The #1 car insurance company is State Farm because it is the largest auto insurer in the U.S., with a market share of 16%. State Farm insures over 80 million people and offers coverage in all 50 states.

Largest Auto Insurance Companies in America

Together, these 10 companies own more than 70% of the auto insurance market share in the U.S. As a result, it shouldn't come as a surprise that these companies tend to be the best options for most types of drivers.

Best Car Insurance Companies by Category

To learn more, check out WalletHub's guides to the best car insurance and the largest auto insurers.

Drivers in Massachusetts need $20,000 of bodily injury liability insurance per person (up to $40,000 per accident) and $5,000 of property damage liability insurance. Massachusetts also requires personal injury protection (PIP) and uninsured motorist insurance. PIP covers medical expenses for you and your passengers after an accident, and UM replaces the liability coverage an at-fault driver should've had and pays for your costs up to your policy limits.

Here's How Much Car Insurance Drivers Need in Massachusetts:

If you lease or finance your car, you may be required to carry coverage types that are not mandatory under Massachusetts law. Lenders usually require comprehensive and collision insurance. Collision insurance covers repairs to your car when you hit another car or object. If the damage to your vehicle was caused by something other than a collision—like a natural disaster, vandalism, falling objects, or animals—it is most likely covered by comprehensive insurance. Lenders may also require gap insurance, which covers the difference between what you owe on your loan or lease and what the vehicle was worth if it gets stolen or totaled.

Even if you're not required to carry these optional coverage types, you may still need them. You can learn more about when to drop optional coverage and the penalties for driving without insurance in Massachusetts to make sure you're paying for the coverage you need.

Car insurance in Massachusetts is $647 per year for minimum coverage and $2,114 per year for full coverage, on average. The cheapest insurance companies in Massachusetts are National General, State Farm and Geico, and getting quotes from several companies can help you find the best deal.

Average Cost of Car Insurance in Massachusetts by Category

• Clean driving record: $647 per year
• After an at-fault accident: $93 per month
• Teen driver: $134 per month
• After a DUI: $108 per month

The average cost of car insurance in Massachusetts is 11% lower than the national average auto insurance premium, and Massachusetts ranks 29 out of 50 for the most affordable car insurance rates in the U.S.. There are several factors that affect how much you'll pay for car insurance in Massachusetts, including your driving record, age, location, the amount of coverage that you purchase, and the insurance company you buy it from.

Finally, it's worth noting that car insurance premiums in Massachusetts are low, compared to the cost of coverage in neighboring states like Connecticut and Rhode Island. You can find more details in the table below.

Cost of Car Insurance in Massachusetts vs. Neighboring States

Note: Rates are an approximation based on a driver in Massachusetts with minimum coverage. Actual rates will vary.

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 after an accident you were responsible for.

Types of Car Insurance Required in Massachusetts

• Bodily injury liability (BI)
• Property damage liability (PD)
• Uninsured motorist (UM)
• Underinsured motorist (UIM)
• Personal injury protection (PIP)

If Massachusetts drivers do not purchase at least the minimum amounts of car insurance coverage required by Massachusetts law, they can face penalties for driving without insurance.

In addition, drivers should also consider purchasing other types of car insurance in order to better protect themselves. For instance, both collision insurance and comprehensive insurance cover damage to the policyholder's car. You will likely need these types of insurance if your vehicle is financed.

To learn more, check out WalletHub's guides on how much car insurance you need and cheap car insurance in Massachusetts.

Full coverage insurance in Massachusetts costs an average of $327 per month. A full coverage policy usually includes collision and comprehensive insurance, plus the types of coverage required by Massachusetts law. In Massachusetts, liability insurance, personal injury protection, and uninsured motorist coverage are mandatory for all drivers.

Average Cost of Full Coverage Insurance in Massachusetts

Note: Premiums are average rates for a good driver in Massachusetts; individual premiums will vary.

How to Get Cheaper Full Coverage Insurance in Massachusetts

1. Compare quotes from several companies to make sure you're getting the best deal.
2. Increase your deductible. Higher deductibles lead to lower premiums, but remember to only pick a deductible you'd be able to afford in an emergency.
3. Don't forget to make sure you're getting all the discounts you can.

To learn more, check out WalletHub's guide to full coverage car insurance.