Is Massachusetts an at-fault state?

No, Massachusetts car accident laws designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver's right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight. The bottom line: PIP is required as part of Massachusetts's state minimum insurance requirements to protect you financially if you’re involved in an accident.

How much is car insurance in Massachusetts?

Looking at the average premium in Massachusetts is a good way to estimate your costs, but because several factors influence rates, rates can vary dramatically between drivers and insurance providers. That’s why we recommend shopping around and comparing quotes from several insurance companies before you commit to a policy.

What is the average cost of car insurance in Massachusetts?

The average car insurance cost for minimum liability coverage in Massachusetts is $122 per month and $1,463 per year. The average cost for full coverage insurance in Massachusetts is $169 per month and $2,027 per year.

Who has the best cheap car insurance in Massachusetts?

Many factors influence insurance rates, so no single provider will always offer the best rate for every driver, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the industry's most extensive insurance shopping study. GEICO, USAA, and State Farm offer some of the most competitive rates for auto insurance policies in Massachusetts, but it’s recommended to shop around and compare rates using a comparison app or website to ensure you’re getting the best rate for you.

What is the minimum car insurance required in Massachusetts?

Massachusetts drivers are required to carry a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $5,000 property damage liability per accident. Drivers must also have $8,000 in personal injury protection (PIP).

What is the cheapest type of car insurance in Massachusetts?

Legally, all you need is the state-required minimum liability insurance to drive in Massachusetts. However, it’s almost always a good idea to increase these limits and/or purchase additional coverage so you’ll be financially protected if you cause an accident.

Do you need insurance to register a car in Massachusetts?

As with all other states, Massachusetts drivers must purchase auto insurance that meets the minimum state requirements before registering their car. If you don’t already have a policy, you’ll need to buy insurance before purchasing a vehicle.

Do I need uninsured/underinsured motorist protection in Massachusetts?

No, UM/UIM are not required in Massachusetts, and although they have one of the lowest uninsured driver rates in the country, uninsured motorist coverage is recommended to protect yourself financially if you’re involved in an accident with an uninsured or underinsured driver.

Does insurance follow the car or the driver in Massachusetts?

As with most states, car insurance follows the car in Massachusetts. This includes liability, comprehensive, and collision coverage. PIP, however, follows the driver.

What does full coverage car insurance consists of in Massachusetts?

A full-coverage car insurance policy in Massachusetts includes liability, collision, and comprehensive insurance. Because PIP is also required in Massachusetts, it will also be part of a full-coverage policy. If you’re a young driver or have a new or expensive vehicle, we recommend purchasing a full-coverage policy for greater financial protection.

Can you have out-of-state car insurance in Massachusetts?

Massachusetts does allow drivers to use out-of-state insurance for 30 days if they are a new resident. However, after the 30-day grace period, drivers must change their policy to an insurance provider licensed to do business in Massachusetts and register their vehicle with the Registry of Motor Vehicle Department. Both insurance and registration must be updated within 30 days of becoming a Massachusetts resident.

Is PIP required in Massachusetts?

Massachusetts is one of a few states where personal injury protection (PIP) is mandatory for all drivers—they are required to have $8,000 in PIP. This coverage helps pay for medical expenses and lost earnings if you’re involved in an accident, regardless of who was at fault.

Cheapest Car Insurance in Massachusetts (Nov 2024)

Written by R.E. Fulton and 2 others

Nov 22, 2024

Cheapest Car Insurance in Massachusetts (Nov 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Massachusetts.

Find insurance savings

No long forms No spam or unwanted phone calls Quotes from top insurance companies

Written by R.E. Fulton and 2 others

Nov 22, 2024

How to find the cheapest car insurance quotes in Massachusetts

There’s no single insurance provider that offers the best rate for every driver, so finding an affordable rate can sometimes be tricky. The easiest and most convenient way to find cheap auto insurance without compromising coverage is to shop around and compare car insurance quotes with an online comparison tool.

Insurance Company	Premium (monthly)	Customer	Car	Insurance Coverage	Has Full Coverage

Bristol West	$94	Madge, 36, Weymouth, MA	Toyota Camry L	State Minimum	No
Bristol West	$114	Leo, 44, Saugus, MA	Mercury Grand Marquis Gs	State Minimum	No
Bristol West	$113	Eddie, 34, Chicopee, MA	Cadillac Cts	State Minimum	No
Bristol West	$710	Matilda, 22, Revere, MA	Jeep Grand Cherokee Lared	State Minimum	Yes
Embark General	$322	Jon, 34, Springfield, MA	Kia Spectra Ex	State Minimum	No

Last Updated Nov 29, 2024

Compare car insurance quotes now

Cheapest car insurance companies in Massachusetts

Finding the best rate for car insurance is a tricky task. Luckily, Jerry conducted a national insurance survey to uncover the best providers for drivers.

The study shows that there isn’t a “best” or “cheapest” insurance company for every driver. Rather, auto insurance companies use different algorithms to calculate insurance rates, so not every company will offer the same rate for the same driving profile.

In Massachusetts, Liberty Mutual, ROOT, and National General usually offers the cheapest rate for drivers, but other providers like Progressive, Travelers, and USAA may also offer competitive rates.

Here’s what drivers have to say about these insurance providers.

Insurance company	Date	Cost rating (out of 5)	What our customer said:
Direct Auto	August 19, 2024	5	“I they were great unfortunately I’m switching now but they did well for me for several years “ -Gilbert
Dairyland	August 11, 2024	5	“Best and cheapest insurance I can get at my age “ -Josie
Aspire Advantage	August 9, 2024	5	“Just started today in application process.. Happy because they were willing to work with me and save money..” -Charlotte
The General	August 9, 2024	4	“Good” -Fanny
Infinity	August 8, 2024	5	“We have not had to make a claim but I am happy with the price for comparable coverage. “ -Sallie

How’d we get these scores?

Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

If you’re looking for insurance quotes online and don’t want to deal with the hassle of phone calls and emails, try a car insurance comparison app or website.

Jerry Insurance Agency is the leading car insurance comparison app that makes it quick and easy to shop for insurance quotes. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents to help you find the best coverage options for the best rate, 24/7.

Minimum car insurance requirements for liability and full coverage in Massachusetts

Before you can get behind the wheel of a car in Massachusetts, you must have car insurance that meets the state’s minimum insurance requirement. Massachusetts car insurance laws require drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). However, drivers may also choose to purchase full-coverage auto insurance for greater financial protection.

Cheapest minimum liability coverage in Maryland

Massachusetts’ minimum liability insurance requirements follow a 20/40/5 pattern—drivers must have the following:

$20,000 bodily injury liability per person
$40,000 bodily injury liability per accident
$5,000 property damage liability per accident

Do you need more than the minimum liability insurance coverage in Maryland?

Massachusetts minimum car insurance requirements are low compared to other states, so most drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.

If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled can cost more than $50,000, while medical expenses can quickly exceed $5,000.

The bottom line: For better financial protection, Massachusetts drivers should purchase car insurance that exceeds the minimum state requirements—50/100/50 or even 100/200/100—or consider purchasing a full-coverage policy.

Cheapest full coverage Massachusetts auto insurance quotes

Buying a full coverage car insurance policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.

A full coverage policy in Massachusetts includes liability insurance plus comprehensive and collision coverage:

Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.

If you lease your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.

Check out the table below for some examples of where Jerry helped Massachusetts drivers find affordable full-coverage insurance policies.

Insurance Coverage	Has Full Coverage	Insurance Company	Premium (monthly)	Customer	Car

State Minimum	No	Bristol West	$94	Madge, 36, Weymouth, MA	Toyota Camry L
State Minimum	No	Bristol West	$114	Leo, 44, Saugus, MA	Mercury Grand Marquis Gs
State Minimum	No	Bristol West	$113	Eddie, 34, Chicopee, MA	Cadillac Cts
State Minimum	Yes	Bristol West	$710	Matilda, 22, Revere, MA	Jeep Grand Cherokee Lared
State Minimum	No	Embark General	$322	Jon, 34, Springfield, MA	Kia Spectra Ex

Last Updated Nov 29, 2024

Average rates for minimum liability coverage and full coverage car insurance in Massachusetts

We’ve worked with several top insurance providers in Massachusetts and found that the average cost of minimum liability coverage is $98 per month or $1,175 per year. The average cost for full coverage insurance in Massachusetts is $173 per month or $2,075 per year.

The average cost of car insurance in Massachusetts is indicative of what you can expect to pay—but because insurance costs are determined by several factors like age and driving record, you may pay more or less. Rates will also vary between providers.

Massachusetts car insurance: Additional coverages

Massachusetts drivers are required to carry the minimum insurance requirements, which include liability insurance and personal injury protection (PIP). If you opt for a full-coverage policy, you’ll also have collision and comprehensive insurance.

For additional financial protection, Massachusetts drivers should consider:

Uninsured motorist protection
Medical payments (MedPay)
Rental reimbursement
Towing and labor
Accident forgiveness

If you have a loan on your car: Gap insurance helps cover the difference between the car’s actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.

Learn more: Types of insurance

Car insurance premium by rating factors

When determining your insurance premium, providers use a variety of factors. Some of the most common factors affecting insurance rates include:

Driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record.
Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Rates also vary based on your ZIP code, even in the same city.
Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles.
How you use your car: Cars driven for work generally have higher insurance premiums than cars driven for leisure.
Your credit score: Some states consider your credit score when quoting insurance premiums—drivers with better credit scores usually pay less for the same insurance coverage.
Demographics: Age and gender influence insurance rates, with men typically paying more than women and under 25 and over 60 drivers paying higher rates.

How to find cheap Massachusetts car insurance if you’re a high-risk driver

A violation on your driving record is never idea—and it can have significant consequences for your car insurance rates.

A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates.

Cheapest car insurance for Massachusetts drivers with a speeding ticket

The minimum fine for a speeding ticket in Massachusetts is $100. Drivers pay $10 for every 10 mph over the speed limit they are caught driving.

Here’s a breakdown of the fines:

8 mph over speed limit: $100
10 mph over speed limit: $110
20 mph over speed limit: $120
30 mph over speed limit: $130
40 mph over speed limit: $140

Speeding tickets are never good to have on your record and can raise your Massachusetts insurance rate by more than 30%. Luckily, Jerry Insurance Agency can help you find savings on car insurance—even with a speeding ticket!

Check out the table below for real-life examples of how Jerry helped Massachusetts drivers with speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Speeding Violation-Minor	Bristol West	$114	Leo, 44, Saugus, MA	State Minimum	No
Speeding Violation-Minor	Bristol West	$94	Rosalie, 46, Lynn, MA	State Minimum	No
Speeding Violation-Minor	Bristol West	$403	Alvin, 27, Braintree, MA	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$374	Barbara, 52, Randolph, MA	State Minimum	Yes
Speeding Violation-Minor	Bristol West	$512	Lula, 43, Waltham, MA	State Minimum	Yes

Last Updated Nov 29, 2024

How to find cheap Massachusetts auto insurance after a DUI

A serious driving violation like a DUI in Massachusetts can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your second Massachusetts DUI, for instance.

Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than drivers without a DUI.

The best way to secure an affordable rate on Massachusetts insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.

Massachusetts SR-22 insurance

If you have a major violation like a DUI on your Massachusetts driving record you may have to file an SR-22 before you can regain your license. Insurance providers issue SR-22s to high-risk drivers to prove they meet the state’s minimum insurance requirements.

SR-22s are usually required for the following violations:

Driving without insurance
Driving without a valid driver’s license
DUI or DWI conviction
Hit-and-run
Reckless driving
Distracted driving
Repeated driving violations
An at-fault collision leading to death or injury

If you’re required to file an SR-22 in Massachusetts, you will see a sharp increase in your insurance rates until it is no longer required.

How to find cheap car insurance in Massachusetts after an at-fault accident

At-fault accidents on your driving record can be a big cause for an increase in your insurance rate. Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are and the more likely they are to have to make a payout. If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.

Accident Type	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

At Fault With No Injury	Bristol West	$114	Leo, 44, Saugus, MA	State Minimum	No
At Fault With Injury	Bristol West	$113	Eddie, 34, Chicopee, MA	State Minimum	No
At Fault With No Injury	Bristol West	$152	Shane, 56, West Roxbury, MA	State Minimum	Yes
Not At Fault	Embark General	$73	Luis, 35, Westfield, MA	State Minimum	No
Not At Fault	Bristol West	$164	George, 29, Haverhill, MA	State Minimum	Yes

Last Updated Nov 29, 2024

FAQ

Is Massachusetts an at-fault state?

No, Massachusetts car accident laws designate it as a no-fault state, meaning regardless of who’s at fault for an accident, your PIP insurance will cover the expenses for anyone in your vehicle. No-fault laws in Massachusetts limit a driver’s right to sue after an accident—they can only sue for their injuries if their medical expenses exceed $2,000 or if they sustained permanent disfigurement, bone fractures, or loss of hearing or sight.

The bottom line: PIP is required as part of Massachusetts’s state minimum insurance requirements to protect you financially if you’re involved in an accident.

Cheapest auto insurance after other violations in Massachusetts

A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license—all of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.

Check out some examples of how Jerry helped Massachusetts drivers with violations find affordable insurance.

Violation	Insurance Company	Premium (monthly)	Customer	Liability Limits	Has Full Coverage

Other Major	Bristol West	$201	Gilbert, 36, Brockton, MA	State Minimum	No
Ticket Violation Not Listed	Bristol West	$368	Henry, 22, Dorchester, MA	State Minimum	No
Other Minor	Bristol West	$142	Emma, 45, Lawrence, MA	State Minimum	Yes
Other Minor	Bristol West	$72	Elmer, 40, Saugus, MA	State Minimum	No
Ticket Violation Not Listed	Bristol West	$199	Gary, 48, Taunton, MA	State Minimum	No

Last Updated Nov 29, 2024

Cheapest Massachusetts auto insurance based on insurance history

Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium. Insurers want to know that you haven’t had a lapse in insurance coverage, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate.

Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.

Cheapest car insurance for drivers with poor credit

Credit isn’t just for buying a home or car—it’s also a factor that can influence your insurance rate. But there’s good news for Massachusetts drivers: it’s illegal for Bay State auto insurance companies to use your credit score to set your premiums, deny you coverage, or raise your rates on renewal.

Credit Range	Insurance Company	Premium (monthly)	Customer	Car	Liability Limits	Has Full Coverage

660-750	Bristol West	$94	Madge, 36, Weymouth, MA	Toyota Camry L	State Minimum	No
660-750	Bristol West	$113	Eddie, 34, Chicopee, MA	Cadillac Cts	State Minimum	No
660-750	Bristol West	$710	Matilda, 22, Revere, MA	Jeep Grand Cherokee Lared	State Minimum	Yes
<550	Embark General	$322	Jon, 34, Springfield, MA	Kia Spectra Ex	State Minimum	No
750+	Bristol West	$41	Hilda, 36, Plainfield, MA	Ford F-150	State Minimum	No

Last Updated Nov 29, 2024

Cheapest Massachusetts car insurance by age

Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 60 tend to pay the highest rates for insurance due to a lack of driving experience and a higher risk of death and injury, respectively.

USAA, GEICO, and State Farm offer affordable car insurance rates for new drivers, but it still pays to shop around to find the best rate for you.

Cheapest Massachusetts car insurance for young drivers

Younger drivers—people under 25—pay the most for insurance of any age group in Massachusetts. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim.

Do note that you may notice lower premiums for a teen driver who only has a Massachusetts provisional license. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.

Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again.

If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.

Learn more: The best cheap car insurance for teens

Cheapest Massachusetts car insurance for senior drivers

Apart from drivers under 19, drivers over 60 have some of the highest insurance rates—despite having more driving experience.

Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher insurance rates for seniors.

How to find car insurance discounts in Massachusetts for your motor vehicle

The type of car you drive can influence how much you pay for your premium. Generally speaking, the higher your car’s book value, the more you’ll pay to insure it. But that’s not it—other factors associated with your car that can increase insurance rates include:

Repair or replacement costs
Likelihood of theft
Safety rating

Some of the most popular cars among Massachusetts drivers are:

Nissan Maxima
Hyundai Sonata
Jeep Grand Cherokee
Honda CR-V
Toyota RAV4
Nissan Altima
Toyota Corolla
Honda Civic
Toyota Camry
Honda Accord

Popular Car	Insurance Company	Premium (monthly)	Customer	Insurance Coverage	Has Full Coverage

Toyota Camry L	Bristol West	$94	Madge, 36, Weymouth, MA	State Minimum	No
Honda Civic Lx	Bristol West	$87	Vernon, 27, Leominster, MA	State Minimum	No
Honda Accord Ex	Embark General	$442	Clifford, 25, Wayland, MA	State Minimum	Yes
Toyota Corolla Ce	Bristol West	$115	Ellen, 32, Boston, MA	State Minimum	No
Hyundai Sonata Gls	Bristol West	$249	Eddie, 34, Lynn, MA	State Minimum	No

Last Updated Nov 29, 2024

Learn more: How to get car insurance before buying a car

Is it cheaper to insure a new car or a used car?

Although the value of most cars usually decreases with age, that doesn’t always mean older cars have cheaper insurance. Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate, regardless of age. More safety features in a vehicle can also help to reduce insurance costs.

In general, newer cars cost more to insure than older cars. At Jerry, we found that Massachusetts’s average full coverage insurance cost for a car older than 10 years is $1,569 per year. The average cost for insuring a car less than 4 years old goes up to $1,854 per year.

How to find cheap car insurance in Massachusetts in your city

Where you live in Massachusetts can have a big influence on how much you pay for car insurance. Certain areas are subject to higher crime rates, which means a larger payout for insurance companies if cars are stolen or damaged. Urban areas also see higher insurance rates than rural areas due to population differences.

In addition to crime, factors like population density, accident rates, and weather also affect how much you pay for car insurance.

Take a look at the table below to see how Jerry agents helped Massachusetts drivers in different cities save on insurance costs.

City	Customer	Insurance Company	Premium (monthly)	Car	Insurance Coverage	Has Full Coverage

Weymouth, MA	Madge	Bristol West	$94	Toyota Camry L	State Minimum	No
Saugus, MA	Leo	Bristol West	$114	Mercury Grand Marquis Gs	State Minimum	No
Chicopee, MA	Eddie	Bristol West	$113	Cadillac Cts	State Minimum	No
Revere, MA	Matilda	Bristol West	$710	Jeep Grand Cherokee Lared	State Minimum	Yes
Springfield, MA	Jon	Embark General	$322	Kia Spectra Ex	State Minimum	No

Last Updated Nov 29, 2024

How to lower the cost of car insurance in Massachusetts

Finding affordable car insurance isn’t always easy, but with the right tips, you can find the best overage at the best rate. Jerry’s team of experts has compiled the best tips to help you save on car insurance:

Shop around and compare quotes between insurance providers.
Look at insurance policy costs before buying a car.
Increase your deductible for comprehensive and collision insurance.
Reduce coverage on older vehicles (or unnecessary coverage on new vehicles)
Bundle your car and homeowners insurance to get a discount.
Increase your credit score.
Take a defensive driving course.
Ask about car insurance discounts, such as good driver discounts, online payment discounts, or low mileage discounts.

Learn more: 11 Ways to lower car insurance

Why is car insurance so expensive in Massachusetts?

Car insurance rates have increased nationwide, including in Massachusetts. Here are some reasons why:

Coverage limits (no-fault state)
Population density
Cost of living
Highway density

FAQ

How much is car insurance in Massachusetts?

Looking at the average premium in Massachusetts is a good way to estimate your costs, but because several factors influence rates, rates can vary dramatically between drivers and insurance providers. That’s why we recommend shopping around and comparing quotes from several insurance companies before you commit to a policy.
What is the average cost of car insurance in Massachusetts?

The average car insurance cost for minimum liability coverage in Massachusetts is $122 per month and $1,463 per year. The average cost for full coverage insurance in Massachusetts is $169 per month and $2,027 per year.
Who has the best cheap car insurance in Massachusetts?

Many factors influence insurance rates, so no single provider will always offer the best rate for every driver, as shown by Jerry’s survey of over 15,000 car insurance policyholders—the industry’s most extensive insurance shopping study.

GEICO, USAA, and State Farm offer some of the most competitive rates for auto insurance policies in Massachusetts, but it’s recommended to shop around and compare rates using a comparison app or website to ensure you’re getting the best rate for you.
What is the minimum car insurance required in Massachusetts?

Massachusetts drivers are required to carry a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $5,000 property damage liability per accident. Drivers must also have $8,000 in personal injury protection (PIP).
What is the cheapest type of car insurance in Massachusetts?

Legally, all you need is the state-required minimum liability insurance to drive in Massachusetts. However, it’s almost always a good idea to increase these limits and/or purchase additional coverage so you’ll be financially protected if you cause an accident.
Do you need insurance to register a car in Massachusetts?
As with all other states, Massachusetts drivers must purchase auto insurance that meets the minimum state requirements before registering their car. If you don’t already have a policy, you’ll need to buy insurance before purchasing a vehicle.

To register your vehicle in Massachusetts, you’ll need to bring the following documents to your local DMV:
- A completed Registration and Title Application
- Proof of insurance
- Proof of ownership
- Correct payment
Do I need uninsured/underinsured motorist protection in Massachusetts?

No, UM/UIM are not required in Massachusetts, and although they have one of the lowest uninsured driver rates in the country, uninsured motorist coverage is recommended to protect yourself financially if you’re involved in an accident with an uninsured or underinsured driver.
Does insurance follow the car or the driver in Massachusetts?

As with most states, car insurance follows the car in Massachusetts. This includes liability, comprehensive, and collision coverage. PIP, however, follows the driver.
What does full coverage car insurance consists of in Massachusetts?

A full-coverage car insurance policy in Massachusetts includes liability, collision, and comprehensive insurance. Because PIP is also required in Massachusetts, it will also be part of a full-coverage policy. If you’re a young driver or have a new or expensive vehicle, we recommend purchasing a full-coverage policy for greater financial protection.
Can you have out-of-state car insurance in Massachusetts?

Massachusetts does allow drivers to use out-of-state insurance for 30 days if they are a new resident. However, after the 30-day grace period, drivers must change their policy to an insurance provider licensed to do business in Massachusetts and register their vehicle with the Registry of Motor Vehicle Department. Both insurance and registration must be updated within 30 days of becoming a Massachusetts resident.
Is PIP required in Massachusetts?

Massachusetts is one of a few states where personal injury protection (PIP) is mandatory for all drivers—they are required to have $8,000 in PIP. This coverage helps pay for medical expenses and lost earnings if you’re involved in an accident, regardless of who was at fault.

MEET OUR EXPERTS

R.E. Fulton

Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

^†For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.