Car Insurance in Massachusetts
The figures were updated .
Driver rates in Massachusetts, the legal minimum and which insurers cost the least.
- The average monthly cost of full coverage is $134.
- Required liability limits are 25/50/30 at minimum.
- This state ranks 18th of 51 for cost, with 1st = highest.
Car insurance rates in Massachusetts
Drivers in Massachusetts pay an average of $1,611 each year for full coverage, or about $134 monthly A policy covering just the legal minimum averages $803 a year. This is 0% below the US average of $1,613 each year
| Coverage in Massachusetts | Per year | Per month |
|---|---|---|
| Liability | $803 | $67 |
| Collision | $595 | $50 |
| Comprehensive | $213 | $18 |
| Full coverage (all three) | $1,611 | $134 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
The Massachusetts legal minimum
Massachusetts sets liability limits of at least 25/50/30. The required amounts are $25,000 for each injured person, $50,000 for all people injured in one crash and $30,000 for other people's property damage.
In Massachusetts's no-fault system, your own policy covers your medical bills after a crash, regardless of who caused it
You must have uninsured motorist coverage
Source: Massachusetts Division of Insurance, Basics of Auto Insurance.
How many Massachusetts drivers lack insurance?
In 2023, about 8% of Massachusetts drivers had no car insurance, making it the 45th highest rate among the 51 If an uninsured driver hits you, this coverage pays your bills.
Learn more about Massachusetts car insurance
This was first written on