Everything You Need to Know

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Table of Contents

  • Massachusetts Auto Insurance Costs by Insurer
  • Massachusetts Auto Insurance Premiums by Driver Age
  • Massachusetts Car Insurance Premiums by Gender and Marital Status
  • Average Massachusetts Insurance Rates After a Violation or Accident
  • Massachusetts Auto Insurance Premiums by Credit Tier
  • List of Insurance Companies in Massachusetts
  • No-fault Insurance in Massachusetts Information
  • Driving in Massachusetts
  • FAQ section
  • Resource Section

    Massachusetts Auto Insurance Costs by Insurer

    Regardless of which type of insurance you choose, you’ll need to ensure that it meets Massachusetts’ minimum requirements, which include liability insurance and uninsured motorist bodily injury coverage as well as personal injury protection (PIP) of at least:

    • $20,000 bodily injury per person
    • $40,000 bodily injury per accident
    • $5000 property damage per accident
    • $20,000 uninsured motorist bodily injury per person
    • $40,000 uninsured motorist bodily injury per accident
    • $8000 personal injury proportion (PIP)

      You have numerous insurance options in the state of Massachusetts, which can make it difficult to choose one.

      According to ValuePenguin , these are some of the top providers in Massachusetts:

      • Travelers: 0.65 rating
      • Progressive: 0.67 rating
      • Arbella: 0.69 rating
      • Plymouth Rock: 0.74 rating
      • Geico: 0.76 rating
      • The Hanover: 0.81 rating
      • Safety: 0.94 rating
      • MetLife: 1.13 rating

        In addition to shopping around for rates, you can also look at customer-service reputations. A rating of 1.0 is expected based on market size, and a lower ratio is better.

        Massachusetts Auto Insurance Premiums by Driver Age

        Your age can significantly affect your insurance rates. If you’re a teen driver or in your 20s, you may need to request a lot of insurance quotes to find an affordable one. According to NerdWallet, younger drivers will usually find the best rates for full coverage with:

        • State Farm: $1135 average annual rate
        • Geico: $1660 average annual rate
        • Safety Insurance: $2114 average annual rate
        • Plymouth Rock: $2280 average annual rate
        • MetLife: $2409 average annual rate

          Younger drivers who are looking for minimum coverage will find the best rates with the following providers:

          • The Hanover: $484 average annual rate
          • State Farm: $493 average annual rate
          • Plymouth Rock: $642 average annual rate
          • Safety Insurance: $653 average annual rate
          • Geico: $838 average annual rate

            Seniors may also notice an increase in rates as they get older. You may need to shop around to get the best rates and to take advantage of available discounts.

            Massachusetts Car Insurance Premiums by Gender and Marital Status

            Marital status can also lead to increases or decreases in insurance rates. Married drivers in Massachusetts pay a little less annually for car insurance, with savings of $14. Safety Insurance tends to offer the best rates to married drivers, with an average of $1049 each year, or $87 each month. Travelers is the second-cheapest provider, with an average annual rate of $1361, or $113 each month. Gender is not as heavily factored into insurance rates, but it may be used as a pricing factor.

            Average Massachusetts Insurance Rates After a Violation or Accident

            Your driving record significantly affects the amount you can expect to pay for insurance. Following a minor at-fault car accident, you can expect an average annual increase of $678.18 in your rates. Additional traffic violations or accidents will lead to further increases in rates. A DUI can lead to as much as a $1091.50 annual increase in insurance rates.

            If a bad driving record has made it difficult for you to get affordable insurance, you may be eligible for the Massachusetts Automobile Insurance Plan. This program provides auto insurance to drivers who are considered at higher risk. Because the state requires all insurance providers to take a certain percentage of riskier drivers, you can ask a local insurance agent to submit an application on your behalf.

            Massachusetts Auto Insurance Premiums by Credit Tier

            Credit scores can also influence your insurance rates. Drivers with higher credit scores are considered to be more dependable and less likely to file a claim. However, differences vary depending on how heavily the insurance company values a good credit score, so it pays to shop around.

            List of Insurance Companies in Massachusetts

            Massachusetts drivers will find they have many options for car insurance. Just a few available include State Farm, Allstate, Geico, The Hanover, Arbella, Progressive, Plymouth Rock, Travelers, and Safety Insurance.

            No-fault Insurance in Massachusetts Information

            Some drivers may choose a no-fault insurance policy to get lower rates. Also referred to as a liability-only policy in Massachusetts, it covers only up to $5000 in property damages. It does not cover any damages to your own vehicle if you’re considered at fault for the accident. If you want coverage for your own vehicle or to cover a higher amount on others’ vehicles, then you will need comprehensive and collision coverage.

            Driving in Massachusetts

            Driving in Massachusetts can be busy, depending on where you go. Visiting Boston offers a lot to do, but the roads tend to be more packed with traffic. If you visit Cape Cod or Nantucket, you can spend some time on the beach. The roads are busy during the summer season but tend to slow down in the winter with fewer visitors. Salem is also on the water, and traffic tends to pick up in the fall months.

            FAQ section

            Here are a few questions you might have about insurance rates in Massachusetts:

            How can I find cheap insurance with a bad driving record?

            Shopping around will help you compare quotes when you have a poor driving record. The state also has a Massachusetts Automobile Insurance Plan, which insures riskier drivers.

            What are the average insurance rates in Massachusetts?

            Car insurance in Massachusetts is not as expensive as in some other states. The average premium is $1201 per year, which is 15.8 percent less than the national average.

            How much do insurance rates decrease with age in Massachusetts?

            Drivers who are 16 years old can pay as much as $5045.84 annually for full coverage in Massachusetts. By 17, this rate drops by almost $500. By the time you’re in your 30s, you can expect rates of around $1100 annually.

            How do I find the cheapest auto insurance in Massachusetts?

            The single best way to find the best rates for car insurance in Massachusetts is to shop around.

            Sources:

            https://www.valuepenguin.com/best-cheap-car-insurance-massachusetts

            https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-massachusetts-ma/

            https://www.caranddriver.com/car-insurance/a35437532/progressive-auto-insurance/

            https://www.caranddriver.com/car-insurance/a35292610/how-to-get-cheaper-car-insurance/

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