This year, about 5 million drivers are out on the roads in Massachusetts. Unfortunately, in 2018 Massachusetts drivers were involved in more than 140,000 crashes, 20% of which resulted in injury. As in every other state, it’s a good idea (and required) to carry auto insurance if you’re driving in Massachusetts.
While you’re shopping for car insurance in Massachusetts, take these tips into consideration:
- Consult the Massachusetts Consumer Bill of Rights for Automobile Insurance to find out what you’re entitled to as a consumer.
- Check your driving record to see if you’re in good standing.
- Confirm whether the quote you received is for six months or one year.
- Ask if all possible discounts that might apply to you have been taken into consideration.
Best car insurance companies in Massachusetts
Each insurance company in Massachusetts ranks differently when it comes to individual factors like price, interaction and overall satisfaction. The JD Power 2019 U.S. Auto Insurance Study ranked the top five car insurance companies in the local market based on an average of these criteria.
|Amica Mutual||USAA||State Farm||Geico||Allstate|
|Overall Satisfaction||5 stars||5 stars||4 stars||4 stars||4 stars|
|Policy Offerings||5 stars||5 stars||4 stars||4 stars||4 stars|
|Price||4 stars||5 stars||5 stars||5 stars||3 stars|
|Billing Process and Policy Information||5 stars||5 stars||4 stars||4 stars||4 stars|
|Interaction||5 stars||5 stars||5 stars||3 stars||4 stars|
|Claims||5 stars||5 stars||3 stars||3 stars||4 stars|
Finding the right cheap car insurance in Massachusetts for you
Are you worried about finding the best Massachusetts car insurance rates for young drivers? Or do you have a traffic ticket on your record? U.S. News took these factors and more into consideration in a 2019 study by U.S. News that determined the best rates for different groups.
Cheapest auto insurance for good drivers: State Farm
Clean driving record with the Massachusetts DMV? Your best rate will be through State Farm at an estimated $691.
Cheapest auto insurance for students: State Farm
Men and women age 25 can both expect to pay $691 in Massachusetts for car insurance through State Farm.
Cheapest auto insurance for people with accidents: State Farm
State Farm’s estimated car insurance rate for people in Massachusetts with one accident in their driving history is $1,066.
Cheapest auto insurance for a short commute: State Farm
If you live in Massachusetts and are driving 10 miles or less every day, State Farm will only charge you around $662 annually for insurance.
Average car insurance cost in Massachusetts
The average cost of car insurance in Massachusetts is $1,191 annually. But anyone who’s ever shopped for car insurance knows that personal details can make a big difference when it comes to your auto insurance premium. Here’s a breakdown of the average cost by group, according to U.S. News.
|Driver||Average Annual Rate|
|25 year old male||$1,548|
|60 year old female||$1,333|
|Good driving record||$1,436|
|Long daily commute||$1,436|
Auto insurance discounts in Massachusetts
There are plenty of ways to save money on a Massachusetts auto insurance policy. If high premiums are a concern, you can choose a policy with a lower deductible; just know you’ll have to pay more out of pocket in the event of an accident. U.S. News estimates that opting for a $1,000 deductible instead of a $200 deductible could save you around 40% on your annual premiums in Massachusetts.
Of course, there are other ways to cut costs without putting yourself at risk. Keep your driving record clean and work on improving your credit score for additional benefits.
State minimum insurance requirements for Massachusetts
Massachusetts will fine you anywhere between $500 and $5,000 for driving without adequate insurance, so make sure you know the requirements. State law sets bodily injury minimums at $20,000 per person and $40,000 per crash, and you must be covered for damage to someone else’s property of at least $5,000. You’re also required to carry uninsured motorist coverage.
Frequently asked questions
What is the cheapest car insurance in Massachusetts?
Massachusetts is a deregulated car insurance state, which means insurance companies can set their own prices. The only way to get the cheapest car insurance rates is to shop around once per year.
What do I need to get car insurance in Massachusetts?
You’ll need personal and financial details for everyone you plan to insure when purchasing a car insurance plan. Keep in mind that in Massachusetts, you’re required to include all family members who have a driver’s license and live at your address in the same policy.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state when it comes to accidents. This means that all parties in an accident must file a claim with their insurance provider, regardless of who was at fault.