Get a Massachusetts car insurance quote
You could save hundreds on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in Massachusetts
Massachusetts auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programMassachusetts minimum car insurance requirements (25/50/30)
It's illegal to drive without car insurance in Massachusetts. To drive legally, you need to have at least the following coverage amounts and minimums in Massachusetts.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to Others Coverage | $25,000 per person, $50,000 per accident |
| Property Damage Liability Coverage | $30,000 per accident |
| Uninsured Motorist Bodily Injury Coverage | $25,000 per person, $50,000 per accident |
| Personal Injury Protection (PIP) | $8,000 per person, per accident |
Check out the Massachusetts Division of Insurance for more details.
Average car insurance cost in Massachusetts, 2026
According to 2026 data, the average cost of “full” coverage car insurance in Massachusetts is about $1,836 per year.
Drivers in Massachusetts will pay more, or less, depending on their coverages, car, age, driving record, where they live, and more.
Who offers cheap car insurance in Massachusetts?
Everyone wants cheap car insurance, but the lowest price isn't always the best value. The right policy should fit your budget and give you reliable protection.
With Liberty Mutual, you can get quality coverage and could save hundreds on your auto insurance policy when you switch.1
Average car insurance cost in Massachusetts
According to 2026 data, the average cost of “full” coverage car insurance in Massachusetts is about $1,836 per year.
Massachusetts rates auto insurance differently from most states. Insurers in Massachusetts can't use your credit history when calculating your premium, so your driving record and years of experience tend to carry more weight. Where you live, the car you drive, how much you drive, and the limits and deductibles you choose will also factor into your rate.
Is Massachusetts a no-fault state?
Yes. Massachusetts is one of a handful of no-fault states, which means your own policy's Personal Injury Protection pays for medical expenses, a share of lost wages, and certain other costs after a crash, up to $8,000 per person, no matter who caused the accident.
No-fault coverage is designed to help pay medical expenses without waiting for fault to be determined. However, it doesn't apply in every situation. If an injury meets Massachusetts' legal threshold, you may be able to pursue a claim against the at-fault driver.
Because Personal Injury Protection is limited to $8,000 per person, some drivers may choose additional protection, such as higher medical coverage limits, optional Bodily Injury coverage, or Underinsured Motorist coverage.
Massachusetts car insurance FAQs
- To get car insurance in Massachusetts, start by choosing an insurer and selecting the coverage you need. State law requires four coverages: Bodily Injury to Others, Personal Injury Protection, Bodily Injury Caused by an Uninsured Auto, and Property Damage.
You'll provide information about yourself, your vehicle, and your driving history, then decide whether to add optional coverages such as Collision coverage and Comprehensive coverage and choose your limits and deductibles.
Massachusetts requires proof of insurance to register a vehicle with the RMV. Depending on the vehicle and insurer, a state inspection may be required before certain optional physical damage coverages take effect.
- There are several ways you may be able to lower your car insurance premium in Massachusetts. Bundling your is often one of the simplest ways to save in your insurance. You may also qualify for savings by going paperless, insuring multiple vehicles, or maintaining a clean driving record.
Raising your deductible, reviewing your coverage as your vehicle ages, and enrolling in RightTrack® may also help lower your premium.3 Comparing quotes at different coverage levels can help you find an option that fits your needs and budget.
- Massachusetts requires four compulsory auto insurance coverages. As of July 1, 2025, the minimum limits are:
- Bodily Injury to Others: $25,000 per person and $50,000 per accident
- Personal Injury Protection: $8,000 per person
- Bodily Injury Caused by an Uninsured Auto: $25,000 per person and $50,000 per accident
- Property Damage: $30,000 per accident
You may see the liability limits written as 25/50/30. These amounts meet the state's minimum requirements, but some drivers choose higher limits or additional optional coverages for more financial protection after a serious accident.
Review current mandatory limits through Mass.gov.
- Not by the state. Collision coverage and Comprehensive coverage are optional coverages that can help pay to repair or replace your vehicle after certain covered losses.
A lender or leasing company will typically require both for a financed or leased vehicle.