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Massachusetts Auto Insurance Rates & Minimums

Massachusetts requires 20/40/5 liability coverage — $20,000 per person, $40,000 per accident for bodily injury, $5,000 for property damage — plus $8,000 personal injury protection (PIP) and $20,000 uninsured motorist coverage. Minimum coverage typically costs $110–$145/month, while full coverage averages $215–$280/month based on available industry data.

Damaged red car on crash test platform showing impact deformation to front end and wheel area

Updated March 2026

State Requirements

Massachusetts operates under a no-fault system, meaning your personal injury protection (PIP) covers your medical expenses regardless of who caused the accident. The state requires proof of insurance at registration and during traffic stops, with immediate fines for non-compliance. Massachusetts also mandates uninsured motorist coverage, making it one of few states requiring protection against drivers who illegally operate without insurance, according to the Massachusetts Division of Insurance.

Cost Overview

Massachusetts is the 10th most expensive state for auto insurance nationally, driven by high population density, elevated medical costs, and mandatory PIP and uninsured motorist coverage that other states do not require. Your rate is also shaped by your location within the state — Boston drivers pay 30–45% more than those in rural Worcester County due to higher theft, accident frequency, and vandalism rates.

Minimum Coverage
Includes only the state-mandated 20/40/5 liability, $8,000 PIP, and 20/40 uninsured motorist coverage. This tier leaves you personally responsible for all damage to your own vehicle and exposes you to lawsuits if you cause an accident exceeding the low property damage limit.
Standard Coverage
Raises liability to 100/300/50, adds underinsured motorist coverage, and may include limited collision/comprehensive with higher deductibles. This tier provides meaningful lawsuit protection but still does not fully cover repairs or replacement for your vehicle.
Full Coverage
Includes collision and comprehensive coverage with $500–$1,000 deductibles, higher liability limits, and full uninsured/underinsured motorist protection. Only cost-effective if your vehicle is worth more than approximately $4,000–$5,000, based on the two-year breakeven analysis between premiums paid and potential payout.

What Affects Your Rate

  • Boston drivers pay $190–$255/month for minimum coverage compared to $95–$125/month in Springfield due to three times higher theft rates and 40% more uninsured motorist claims.
  • Massachusetts uses a managed competition system where the Division of Insurance must approve all rate changes, leading to smaller premium swings than in deregulated states but also slower responses to market conditions.
  • Drivers with one at-fault accident see rates increase by 30–45% at renewal, while a DUI conviction triggers an average 75–95% surcharge for six years under Massachusetts's Safe Driver Insurance Plan (SDIP).
  • Older vehicles (10+ years) driven for personal use only can reduce premiums by 15–25% by dropping collision and comprehensive coverage, particularly if the vehicle's value falls below $3,000.
  • Massachusetts prohibits insurers from using credit scores as a primary rating factor, unlike 47 other states, which means your rate is more heavily weighted toward driving record and location.
  • Multi-car discounts in Massachusetts save 10–18% per vehicle, making it more cost-effective to insure multiple older vehicles under one policy than separate policies for each driver.

Compare Auto Insurance Rates in Massachusetts

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Find Your City in Massachusetts

Boston skyline view from the harbor with sailboats in foreground and downtown buildings on clear day

Boston

urban
Worcester, Massachusetts cityscape and street view

Worcester

urban
Springfield, Massachusetts cityscape and street view

Springfield

urban
Cambridge, Massachusetts cityscape and street view

Cambridge

urban
Lowell, Massachusetts cityscape and street view

Lowell

urban
Aerial view of historic stone courthouse with clock tower surrounded by green lawn in small town center

Brockton

urban
Golden grass stalks in a field backlit by sunlight against a blue sky with white clouds at sunset

Quincy

suburban
Nighttime street view of illuminated convenience store with light trails from passing cars on wet pavement

Lynn

urban

Frequently Asked Questions

Sources

  • Massachusetts Division of Insurance - Auto Insurance Requirements (mass.gov/divisions/insurance)
  • Massachusetts Safe Driver Insurance Plan (SDIP) - Surcharge Schedule (mass.gov/sdip)
  • Insurance Information Institute - State No-Fault Laws and Uninsured Motorist Statistics

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