Massachusetts Car Insurance
The average Massachusetts driver pays $1,540/year for full coverage and $600/year for state minimum. Compare quotes from top carriers and find the right fit in five minutes.
Compare Massachusetts quotes →At a glance
- Avg. full coverage
- $1,540 / year
- Avg. minimum coverage
- $600 / year
- State minimum
- 20/40/5
- No-fault state?
- Yes
- PIP required?
- Yes
- UM/UIM required?
- Yes
Massachusetts Minimum Coverage Requirements
The minimum auto insurance coverage required to legally drive in Massachusetts is:
20/40/5
$20K bodily injury per person, $40K per accident, $5K property damage
These minimums are not the same as what most drivers should carry. State minimums protect you from a small fender bender — they fall far short of what you'd need after a serious accident with injuries. Most financial advisors recommend at least 100/300/100 in liability limits for households with meaningful assets.
Top Car Insurance Carriers in Massachusetts
By market share, these carriers write the most policies in Massachusetts:
- 1GEICO
- 2MAPFRE
- 3Liberty Mutual
- 4Plymouth Rock
- 5Safety
Market share doesn't mean cheapest — the carrier with the most customers in your state may not be the one that quotes you the best rate.
What's different about Massachusetts
Credit cannot be used. No-fault. MAPFRE and Safety Insurance are MA-specific competitors.
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Premium estimates are based on publicly reported industry averages and are intended as a rough guide. Your actual quote depends on driver record, vehicle, coverage choices, and ZIP code. Quorrio is an independent comparison marketplace, not an insurance company, agent, or broker.