Cheap Car Insurance in Massachusetts (With Quotes, May 2022)

Whether you’re on your way to a Red Sox game in Boston, spending a nice weekend away on Martha’s Vineyard, or driving down the Cape, you want to make sure you’re driving safely and not as an uninsured motorist. Massachusetts drivers can stay safe on the road by making sure they’re fully covered with a car insurance policy they trust—and doesn’t cost an arm and a leg.

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Getting quality coverage shouldn’t mean having to break the bank. The cheapest average cost of car insurance in Massachusetts is $66 per month. Insurify put together a list of cheap quotes from a number of different auto insurance companies. This way, you’re able to compare average rates from a variety of insurance providers to make sure you get the best cheap car insurance.

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Cheapest Liability Auto Insurance in Massachusetts

There are policies that help provide coverage for specific reasons. Liability coverage exists to cover any costs resulting from property damage, as well as bodily injury coverage, in the case you’re found at fault for a car accident or any other damage. If your driver profile has more claims and collisions, you may want to consider adding liability car insurance to your policy.

Cheapest Full-Coverage Auto Insurance in Massachusetts

If you need a coverage policy with more options and types of safety insurance, you might want to consider full-coverage car insurance. Full coverage encompasses comprehensive coverage, collision coverage, and liability coverage.

Some drivers might not be as worried about high car insurance premiums as they are about getting a quality policy. The top car insurance company in Massachusetts in Insurify’s rankings is Liberty Mutual. While the average monthly quote of $212 is a bit higher than the national average of around $140, you can drive peacefully knowing you have the coverage you need.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

If your driving history is full of accidents, claims, and collisions, you might get hit with a high annual premium. Having a clean driving record can result in cheaper rates and lower deductibles on your auto insurance policy. Young drivers are prone to higher rates because they have only had their driver’s licenses for a short amount of time and are seen as higher-risk.

But even for policyholders who aren’t new drivers, your driving history matters. Violations, speeding tickets, at-fault accidents, and DUIs all get taken into account when calculating an average monthly quote. If you are seen as a high-risk driver, like a 16-year-old or someone with many collisions, you are likely to pay for and need more coverage options.

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Cheap Car Insurance for Good Drivers in Massachusetts

Alternatively, good drivers are typically rewarded with cheaper auto insurance rates and don’t need to consider buying as many coverage options to keep themselves (and others) protected. Car insurance companies appreciate if drivers have gone free of violations, collisions, claims, and accidents. Different age groups and genders are also recognized with higher or lower rates.

Cheap Car Insurance for Drivers with DUI in Massachusetts

Unfortunately, getting charged with a DUI can do some real damage to how much you pay for your car insurance. Once on your driving record, they can negatively impact car insurance rates. But this shouldn’t be a reason to worry. It’s still possible to save money with discounts, bundling multiple policies, and talking to an insurance agent to find out ways to save.

See More: SR-22 Insurance Massachusetts

SR-22 Insurance in Massachusetts

An SR-22 is a form that you or your car insurance company can file with your state to prove that your auto insurance policy meets the minimum liability coverage required by state law. Some drivers require this by their state or court order, usually if their license has been suspended or revoked. While it’s not actually a type of insurance, it acts as proof of financial responsibility. The insurance companies listed below offer SR-22 in Massachusetts:

Cheap Car Insurance for Drivers with an At-Fault Accident in Massachusetts

If you were behind the wheel and responsible for an accident occurring, then it counts as an at-fault accident. This negatively impacts car insurance rates and raises premiums. However, Massachusetts is a no-fault state. This means that your own insurance company will pay for damages, like injuries and property, that result from an accident—regardless of who caused it.

Cheap Car Insurance for Drivers with Speeding Tickets in Massachusetts

Like any other violation filed on your policy, speeding tickets negatively affect car insurance rates and raise prices. Speeding tickets can affect people differently, like if it was your first violation versus if it’s a string of many speeding tickets on your record. The more your speed, the more points you rack up on your driver’s license.

See More: Bad Credit Car Insurance Massachusetts

Unfortunately, if your financial history shows bad credit, car insurance companies see you as more expensive. However, Massachusetts is one of eight states that bans insurers from using your credit score, as well as gender and education level, to determine your car insurance rates. This makes it easier and more equitable for Massachusetts residents to get a cheaper policy.

Car insurance in Massachusetts varies on a city-to-city basis. A number of factors are used to determine how much you pay for your policy, and ZIP code is one of them. This is because some auto insurance providers see some areas as riskier than others. For example, metropolitan areas, like Boston or Cambridge, have more drivers and may be more prone to accidents.

Another factor that impacts how much you pay in car insurance is your age. In this case, the older you are, the better. This is because car insurance companies see older age as more years of experience behind the wheel. The newer you are to the rules of the road and having your driver’s license—like teens—means a higher risk of getting into accidents or filing claims.

Every state has minimum insurance requirements, and Massachusetts is no exception. Additionally, all drivers in Massachusetts will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Massachusetts.

Minimum Car Insurance Requirements in Massachusetts

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

• $20,000 bodily injury liability per person
• $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons.

Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

• $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

• $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements.

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

• $20,000 uninsured motorist bodily per person
• $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Massachusetts DMV Information

Massachusetts’s Department of Motor Vehicles, or DMV, offers helpful services for experienced and new drivers. Here, drivers can renew or cancel their registration, renew their license, pay a citation or parking ticket, change their address, or check their registration status. The DMV is also where new or potential drivers can go to schedule a road test in order to get their license.

There are several locations for the Massachusetts DMV (also known as a Registry of Motor Vehicles or RMV). Drivers can either choose to walk in or schedule an appointment if they want to go in person. The online portal also allows drivers to perform over 40 transactions. If you’re new to the state, you can register your vehicle here using proof of insurance and ownership.

Public Transportation in Massachusetts

If you don’t have access to a car or a license, or are unable to operate a vehicle, you’re in luck because Massachusetts has access to public transport. Despite being a smaller state, Boston is a major metropolitan area in the United States and offers transit options for those who don’t or choose not to drive. It’s run by the Massachusetts Bay Transportation Authority, or MBTA.

Using the MBTA means being able to get around Massachusetts without a license. One feature is the commuter rail, which connects various cities throughout Massachusetts to one another, including getting to the Greater Boston Area. It also includes an extensive subway, overground, and bus system with stations spread throughout Boston, Cambridge, and surrounding areas.

Even though Massachusetts is a smaller state, it’s still important to have car insurance coverage that gets you down the Mass Pike safely. You can still get a great policy that’s affordable, even if it doesn’t come from a big brand name like GEICO, Allstate, State Farm, USAA, or Progressive. But with hundreds of companies in the market and different state laws, how do you get started?

Insurify is the best way to look up the lowest rates to make sure you have the protection you need behind the wheel. Our tools make it easy for new and existing policyholders to shop around and compare rates in just a matter of minutes. In just a few clicks and at no cost to you, we pull up auto insurance rates to make it easier to find and buy auto insurance you can afford.