Massachusetts Car Insurance

Whether you’re driving friends to Fenway Park for a Red Sox game or commuting into Springfield for work, a Farmers® Smart Plan Auto policy offers coverage options designed for how you drive today. Discounts can help you save even more.

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What is the average cost of car insurance in Massachusetts?

Massachusetts drivers paid an average of $1,248 a year for full coverage (liability, collision and comprehensive) in 2020, according to the most recent data available from the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Your cost will also depend on how much coverage you choose, as well as your driving history, the car you drive and other factors.

What auto insurance is mandatory in Massachusetts?

A car insurance policy with a minimum amount of liability coverage and personal injury coverage is required in Massachusetts. However, minimum coverage may not be the full extent of coverage you want.

As of March 2023, 20/40/5 are the minimum liability coverage limits required in Massachusetts.

COVERAGE TYPE

MASSACHUSETTS MINIMUM REQUIREMENTS

Bodily injury liability

$20,000 per person; $40,000 per accident

Property damage liability

$5,000 per accident

Personal injury protection

$8,000

Uninsured motorist bodily injury liability

$20,000 per person; $40,000 per accident

COVERAGE TYPE

Bodily injury liability

MASSACHUSETTS MINIMUM REQUIREMENTS

$20,000 per person; $40,000 per accident

COVERAGE TYPE

Property damage liability

MASSACHUSETTS MINIMUM REQUIREMENTS

$5,000 per accident

COVERAGE TYPE

Personal injury protection

MASSACHUSETTS MINIMUM REQUIREMENTS

$8,000

COVERAGE TYPE

Uninsured motorist bodily injury liability

MASSACHUSETTS MINIMUM REQUIREMENTS

$20,000 per person; $40,000 per accident

What does car insurance typically cover in Massachusetts?

A typical car insurance policy in Massachusetts includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft.

Massachusetts car insurance discounts

Farmers offers a variety of discounts for drivers in Massachusetts. For example:

  • Multi-vehicle
  • Multi-policy
  • Youthful driver

See more information about additional discounts that may be available in Massachusetts.

Old State House

old state house n Boston

Built in Boston in 1713, this brick structure housed Massachusetts’ colonial government — and the British guards who shed the first blood of the American Revolution in what quickly became known as the Boston Massacre. — National Park Service


More coverage options in Massachusetts

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Massachusetts home insurance

Learn more about what home insurance in Massachusetts covers, available discounts and more.

View home insurance coverage details and discounts for Massachusetts

Learn From Experience

Still have questions about cars and car insurance in Massachusetts? We have answers.


Why Did My Car Insurance Premium Go Up When Nothing Else Has Changed?

To understand rate increases, it’s important to know that premium calculations are based on your risk and the projected cost it would take to repair or replace your car. Anything that impacts these factors can explain why rates may increase. 

What These Auto Pros Know About Adding Years to a Car’s Life — and You Should, Too

Why do some cars stay safe and reliable for years longer than others? These car pros say it’s more about the owner’s habits than good engineering.

What Is Uninsured Motorist Coverage?

If you have uninsured motorist coverage, your accident-related expenses can be covered. And if the other driver does have insurance, but it’s not sufficient to cover your costs (given today’s high medical bills), underinsured motorist coverage can help fill the gap.