Best Auto Insurance Rates in Massachusetts

On average, your neighbors pay $88 a month.

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Compare Auto Insurance in Massachusetts

Tuesday, August 7 2018 By Adam Johnson

Driving in the Bay State? Here’s all the data from industry and state sources to help you can get the best auto insurance in Massachusetts.

Average Massachusetts Car Insurance Rates

How much is car insurance in Massachusetts? If you’ve been driving in Massachusetts, you know that auto insurance is high here. MA drivers pay an average of 1,058.50 a year. The national average is 889.01 yearly. Your rate will vary depending on your level of coverage, driving history, and number of claims in your zip code.

Massachusetts Average Annual Car Insurance Rates
Coverage Rates
Liability $606.04
Collision $388.28
Comprehensive $134.96
Total Cost Per Year $1,058.50
Price Per Month $88.20
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Massachusetts rates from 2011 to 2015, the most recent year the data is available. According to the III, Massachusetts car insurance rates increased from $942 in 2011 to $1,035 in 2015, a jump of $116 dollars, or 12.35 percent.

Massachusetts average car insurance rates

Finding the right car insurance in Massachusetts for your needs and budget doesn’t have to be stressful. Then again, you want to make sure that whichever company you choose is the right fit, and that means comparing car insurance rates!

Comparing auto quotes can be time-consuming. With a little help from QuoteWizard, you’ll have a policy in no time. We’ll connect you with top auto insurance companies so you can find the best coverage at the best price.

Last year, 38,182 people used QuoteWizard to compare car insurance quotes in Massachusetts from multiple companies.

Best Car Insurance Companies in Massachusetts

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Massachusetts. Out of the 38,182 Massachusetts drivers that used QuoteWizard to request insurance quotes last year, 3,404 had no car insurance.

  1. State Farm
  2. Liberty Mutual
  3. GEICO
  4. Allstate
  5. Progressive
  6. MetLife
  7. Esurance
  8. Farmers
  9. AIG
  10. Country Financial
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Massachusetts

These are the most common vehicles owned by Massachusetts drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Honda Accord LX/EX
  2. Toyota Camry LE/XLE/SE
  3. Honda Civic
  4. Ford F150
  5. Honda CR-V
  6. Toyota RAV4
  7. Nissan Altima 2.5 S
  8. Jeep Grand Cherokee Laredo
  9. Toyota Corolla
  10. Ford Taurus
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best High-Risk Insurance Companies

If your driving and insurance histories are poor, insurers may consider you high-risk. That means you’re statistically more likely to get a ticket or cause an accident. It’s costly for insurance companies to cover high-risk drivers, and some may refuse a policy altogether. But the Massachusetts Automobile Insurance Plan helps ensure all drivers can get minimum coverage. Click on the link to see if you qualify.

These companies offer policies for high-risk drivers in Massachusetts: 

Best Teen Driver Insurance Companies

Due to their inexperience, teens are considered high-risk drivers. Between accidents and tickets, teens are an insurance liability.  As such, teens pay much higher auto insurance rates.

Our data shows that teens pay an average of $438 a month for car insurance. That can drop to $278 if they’re on a parent's plan. This is still a sky-high price. Luckily, many companies offer discounts for teens with good grades. 

These insurance companies offer great coverage for Massachusetts teens: 

Massachusetts Car Insurance Rate Factors 

Your car insurance premium in MA depends heavily on the area you live in. Areas with high population and traffic density are going to have higher rates than those with lower densities.

Their average premium is low in part because Massachusetts ranks 49th for most uninsured drivers in the nation. Living in an area with few uninsured drivers helps keep your rates low

Massachusetts drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
Ready to see if you're eligible?
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Massachusetts State Auto Insurance Laws

Minimum Car Insurance Requirements in Massachusetts

Every Massachusetts driver needs the minimum 20/40/5 coverage. This means that every driver must have the following: 

  • $20,000 for bodily injury or death of an individual in a single accident. 
  • $40,000 for bodily injury or death of all individuals in a single accident. 
  • $5,000 for injury or destruction of property of others in a single accident. 

In addition, all policies must have $5,000 in personal injury coverage. You’ll also need the uninsured protection insurance:

  • $20,000 for uninsured motorist bodily injury per person
  • $40,000 for uninsured motorist bodily injury coverage per incident 

Massachusetts is one of the few states that have no-fault insurance. In no-fault states, accident victims can collect benefits from their insurer, regardless of which driver is at fault.

Recommended Coverage Levels 

Minimum coverage may look cheaper short term, but not after an accident. This coverage doesn’t include collision or comprehensive coverage. Should you go beyond the scope of your policy, the cost could be huge. 

Minimum coverage pays for liability for damages to other people and their property. However, it does nothing to cover you, your car, or your injuries. If you only have minimum coverage and you cause an accident, your expenses are out-of-pocket. 

Collision coverage takes care of damages after an accident. Comprehensive coverage pays for damages that only involve your car. This includes events like disasters, theft, and vandalism.  

Given that, we recommend the following coverage: 

  • Individual Body Injury Liability: $100,000 
  • Total Bodily Injury Liability: $300,000 
  • Property Damage Liability: $100,000 

Better coverage means more peace of mind. If you can, get comprehensive and collision coverage. Also get a deductible that works with your budget. To protect against drivers with low insurance, consider underinsured coverage. Also, look at medical payment coverage and personal injury protection. They cover medical costs after an accident. 

Required Proof of Car Insurance

Most states require you to have an insurance ID card. MA includes your insurance info in your car registration, and this acts as your proof of insurance.

Should you not carry this proof, you face a fine between $500 to $5,000. You may earn a license suspension and up to a year in jail.

SR-22 Requirements 

Massachusetts drivers with a suspended license due to DUI or other violations must file an SR-22 form. In MA the amount of coverage required with an SR-22 is: 

  • $20,000 of bodily injury or death of one person in one accident 
  • $40,000 of bodily injury or death of any two people in one accident 
  • $5,000 of injury or destruction of property of others in one accident

Totaled Cars with Rebuilt or Salvage Titles  

If your car is damaged and the cost to repair it exceeds its value, your insurer will deem it a total loss. A total loss vehicle comes with a salvage title. Once it's repaired, it gets a rebuilt title.  

Each state has their own laws regarding totaled cars.  

In Massachusetts, total loss is calculated by a total loss formula. Add the repair costs with the car's salvage value. If that total is more than the car's actual cash value, your insurer will consider it a total loss.  

Buying insurance for a rebuilt or salvage vehicle in Massachusetts has its challenges. Some insurance companies won't cover such vehicles. Expect to pay higher rates if your car has a rebuilt or salvage title -- if you can get the coverage.

State of Massachusetts Traffic Safety Laws

Massachusetts has laws in place to cut down on distracted driving accidents. No driver can send or receive text messages while driving. MA drivers under 18 are banned from using cell phones at all while driving. There is no ban on cell phones for drivers over 18.

DWI Law and Penalties 

If you drive in Massachusetts with a BAC level of 0.08 percent or higher, you're guilty of DUI. Depending on how many DUI offenses you have, you could face license suspension, prison time, and pay over $50,000 in fines.  

In any case, a DUI can affect your premiums. Our research shows that drivers with DUIs pay an extra $830 per year for car insurance.  

Senior Drivers in Massachusetts 

Car insurance rates tend to increase when a driver turns 65. As you get older, these rates increase further. In Massachusetts all drivers 75 and older must renew their licenses in person and pass a vision test.

Vehicles Registered in Another State 

When driving a vehicle registered to another state in MA, you must have the insurance required by that state. You will also need proof of insurance.

Car Insurance Risk in Massachusetts

Best and Worst Drivers in Massachusetts 

Current data shows that Massachusetts is the 31th worst driving state in the US. Boston, MA, ranks as the 16th worst driving city. This ranking is based on accidents, speeding tickets, DUIs, and citations occurring in MA. 

Traffic Fatalities 

In 2016, there were 399 traffic fatalities in MA, up from 354 in 2015.

Top 10 Most Stolen Vehicles in Massachusetts 

There were 8,058 vehicles reported stolen in Massachusetts in 2016. If your car is a theft risk in Massachusetts, it can result in higher premiums. Check below and see if yours is one of them.

Source: National Insurance Crime Bureau – Hot Wheels Report 2016

  1. 1997 Honda Accord
  2. 1998 Honda Civic
  3. 2015 Toyota Corolla
  4. 2005 Toyota Camry
  5. 2000 Dodge Caravan
  6. 2015 Nissan Altima
  7. 1999 Honda CR-V
  8. 2004 Ford Pickup (Full Size)
  9. 2000 Jeep Cherokee/Grand Cherokee
  10. 2007 Chevrolet Pickup (Full Size)

Save Money with Discounts 

Looking for ways to get a discount? MA drivers have many options:

  1. Make sure your car as up-to-date safety features and anti-theft devices
  2. If you bundle your car insurance with your home or renters insurance, you can cut up to 15 percent off your total bill 
  3. If you’re 55 or over, see if a senior citizens discount is available 
  4. Have more than one car? Look into a multiple car discount
  5. If you’re married, insurers often offer discounts to married couples 
  6. If you live in a safe neighborhood, you could save money 
  7. Drop your comprehensive coverage
  8. There are discount rates for active and retired members of the Military, National Guard, or Reserves
  9. Take a certified defensive driving course 
  10. If you’re a safe driver with a clean record, that can add up to lower rates

Massachusetts Division of Insurance

Website:
https://www.mass.gov/orgs/division-of-insurance
Commissioner of Insurance:
Gary Anderson
Address:
Division of Insurance
1000 Washington St
Suite 810
Boston, MA 02118-6200
Phone:
(617) 521-7794
Toll Free:
(877)-563-4467
TTD/TDD:
(617) 521-7490

Sources:

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