Massachusetts Car Insurance
Massachusetts's minimum requirements, average cost, and a free premium estimate — no signup, no quote spam.
Minimum liability
20/40/5
+ PIP
Avg. full coverage
$1,700/yr
Liability system
no-fault
Estimate your Massachusetts premium
Estimated annual premium
$1,080
Estimate uses national-average factors. Real quotes vary 30-50% across carriers — always compare 3+.
Massachusetts car insurance requirements
Massachusetts is a no-fault state requiring 20/40/5 plus PIP, with a low $5k property-damage floor.
Those are only the legal minimums. Minimum liability often isn't enough to cover a serious crash, so many drivers carry higher limits plus collision and comprehensive — especially on a newer or financed vehicle.
Massachusetts car insurance FAQ
What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least 20/40/5 in liability coverage + PIP — that's $20k bodily injury per person, $40k per accident, and $5k property damage. Massachusetts is a no-fault state requiring 20/40/5 plus PIP, with a low $5k property-damage floor.
How much does car insurance cost in Massachusetts?
Full-coverage car insurance in Massachusetts averages roughly $1,700 per year, but your rate depends heavily on age, driving record, vehicle, and ZIP code. Use the estimator above and always compare at least three carriers.
Is Massachusetts a no-fault state?
Massachusetts is a no-fault state. Each driver's own PIP coverage pays their medical bills regardless of who caused the crash.
Why is car insurance relatively cheap in Massachusetts?
At about $1,700/yr, Massachusetts is cheaper than most states — usually thanks to lower population density, fewer claims, and less congestion. You can often go lower still by bundling home and auto and keeping a clean record.
What's the cheapest way to insure a car in Massachusetts?
Carry at least the 20/40/5 legal minimum, then lower cost by comparing 3+ carriers, bundling policies, raising your deductible, asking about low-mileage and safe-driver discounts, and keeping your credit healthy. Dropping collision/comprehensive only makes sense on an older, paid-off car.