Car Insurance in Massachusetts
Massachusetts drivers spend an average of $1,326 a year on auto insurance according to the NAIC — ▲ +3% versus the national average of $1,282, ranking 17th most expensive of 51. The state requires 25/50/30 liability coverage and follows a no-fault system.
Average car insurance cost in Massachusetts
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $710 for liability, $520 for collision and $183 for comprehensive ($1,413 combined, versus $1,439 nationally). That average expenditure is 11% higher than the NAIC's previous data year ($1,191). Comprehensive coverage is cheaper than average here, a sign of lower weather and theft losses.
Minimum car insurance requirements in Massachusetts
Massachusetts's minimum is written as 25/50/30: $25,000 per person / $50,000 per accident in bodily injury liability and $30,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $860 a year here, $270 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $30,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $8,000 Personal injury protection of $8,000 per person is required and pays regardless of who caused the crash. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Coverage for bodily injury caused by an uninsured auto of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Minimums were raised recently from 20/40/5, and required uninsured motorist coverage from 20/40.
Compare with another state
Is Massachusetts a no-fault state?
Yes. Massachusetts is a no-fault state: PIP pays first regardless of fault, and you can sue for pain and suffering only if medical expenses exceed $2,000 or the injury is serious, such as a fracture, disfigurement or death.
In practice: keep your PIP limits in mind — they pay first for you and your passengers, while your liability coverage still pays for damage you cause to other vehicles and property.
Uninsured drivers in Massachusetts
The Insurance Research Council estimates 7.9% of Massachusetts drivers are uninsured — 45th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 13 on the road. Massachusetts requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Massachusetts
Drivers who must prove financial responsibility after a DUI, an uninsured crash or a serious violation file proof of insurance through their insurer. Confirm the exact form and how long it must be kept with the Massachusetts Division of Insurance or your state motor vehicle agency.
By our model, a driver in their 30s with a DUI would pay about $1,120 a year for minimum coverage in Massachusetts, versus $590 with a clean record. What is SR-22 insurance?
Estimate your premium in Massachusetts
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Car insurance by city in Massachusetts
We cover 12 Massachusetts cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Holyoke ($1,430) and the highest in Boston ($1,770).
- BostonPop. 673,458 · Suffolk County$1,770+13% vs state
- WorcesterPop. 211,286 · Worcester County$1,595+2% vs state
- SpringfieldPop. 154,888 · Hampden County$1,525−2% vs state
- CambridgePop. 121,186 · Middlesex County$1,725+11% vs state
- LowellPop. 120,418 · Middlesex County$1,685+8% vs state
- BrocktonPop. 105,788 · Plymouth County$1,685+8% vs state
- LynnPop. 103,489 · Essex County$1,755+13% vs state
- QuincyPop. 103,434 · Norfolk County$1,755+13% vs state
- New BedfordPop. 101,318 · Bristol County$1,585+2% vs state
- Fall RiverPop. 94,689 · Bristol County$1,550−1% vs state
- FraminghamPop. 73,361 · Middlesex County$1,625+4% vs state
- HolyokePop. 37,838 · Hampden County$1,430−8% vs state
Estimated cost by driver profile in Massachusetts
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Massachusetts.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,630 | $2,360 | $4,295 | $358 |
| Young adult (22) | $945 | $1,375 | $2,500 | $208 |
| Adult in their 30s | $590 | $860 | $1,560 | $130 |
| Adult in their 50s | $545 | $790 | $1,435 | $120 |
| Senior (72) | $665 | $960 | $1,750 | $146 |
| 30s, one at-fault accident | $860 | $1,245 | $2,265 | $189 |
| 30s, DUI on record | $1,095 | $1,590 | $2,890 | $241 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $590 | $49 | $485–$700 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $860 | $72 | $705–$1,015 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,560 | $130 | $1,280–$1,845 |
Cheapest and most expensive cars to insure in Massachusetts
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,340 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| GMC Acadia | Midsize SUV | $1,005 |
| Chevrolet Traverse | Midsize SUV | $1,045 |
| Subaru Forester | Small SUV | $1,130 |
| Subaru Crosstrek | Small SUV | $1,145 |
| Subaru Outback | Wagon | $1,155 |
| Honda Pilot | Midsize SUV | $1,155 |
| Honda CR-V | Small SUV | $1,175 |
| MINI Cooper | Subcompact car | $1,185 |
| Acura RDX | Luxury SUV | $1,235 |
| Ford Bronco | Midsize SUV | $1,245 |
| Model | Segment | Est. / year |
|---|---|---|
| BMW M4 | Luxury sports car | $4,345 |
| BMW M3 | Luxury car | $4,290 |
| Lamborghini Urus | Luxury SUV | $3,965 |
| BMW 7 Series | Luxury car | $3,690 |
| Mercedes-Benz S-Class | Luxury car | $2,945 |
| Lucid Air | Luxury car | $2,900 |
| Audi RS 7 | Luxury car | $2,480 |
| Mercedes-Benz G-Class | Luxury SUV | $2,415 |
| Porsche Taycan | Luxury sports car | $2,355 |
| Alfa Romeo Giulia | Luxury car | $2,295 |
Cheap car insurance in Massachusetts: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $95 a year on a typical Massachusetts full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,245 to $860.
- Drive less, pay less. Low-mileage and usage-based programs can save around $110 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $345 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Massachusetts Division of Insurance
The Massachusetts Division of Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- www.mass.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-877-563-4467
Massachusetts vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Massachusetts | $1,326 | 25/50/30 | No-fault | 7.9% |
| Connecticut | $1,394 | 25/50/25 | At-fault (tort) | 11.8% |
| New Hampshire | $987 | 25/50/25 | At-fault (tort) | 10.0% |
| New York | $1,753 | 25/50/10 | No-fault | 8.6% |
| Rhode Island | $1,540 | 25/50/25 | At-fault (tort) | 12.4% |
| Vermont | $893 | 25/50/10 | At-fault (tort) | 11.8% |
Frequently asked questions
How much is car insurance in Massachusetts?
NAIC data puts the average Massachusetts auto insurance expenditure at $1,326 a year, 3% more than the national average of $1,282 (rank 17 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,560 a year ($130 a month); state-minimum liability is about $590.
What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least 25/50/30 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $30,000 for property damage, plus personal injury protection (PIP) of 8,000 and uninsured motorist coverage.
Is Massachusetts a no-fault state?
Yes. Massachusetts is a no-fault state: PIP pays first regardless of fault, and you can sue for pain and suffering only if medical expenses exceed $2,000 or the injury is serious, such as a fracture, disfigurement or death.
How many drivers in Massachusetts are uninsured?
The Insurance Research Council estimates that about 7.9% of Massachusetts drivers are uninsured, ranking 45th in the nation (national estimate: 15.4%).
Which Massachusetts city has the cheapest car insurance?
Among the 12 cities we cover, Holyoke has the lowest full-coverage estimate at about $1,430 a year, while Boston is the highest at about $1,770. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Massachusetts?
An 18-year-old on their own full-coverage policy would pay roughly $4,295 a year in Massachusetts by our estimate, or about $1,630 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Massachusetts?
Contact the Massachusetts Division of Insurance (consumer line 1-877-563-4467). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Massachusetts Division of Insurance: 2025 motor vehicle mandatory coverage limits notice
- Mass.gov: Massachusetts law about auto insurance
- Mass.gov: Basics of Auto Insurance
- Massachusetts Superior Court jury instruction 8.00 (PIP and tort threshold)
- Mass.gov: Filing An Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index