Massachusetts Car Insurance

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Common questions about Massachusetts auto insurance

Need car insurance in Massachusetts? Whether you live in the Berkshires or Boston, Liberty Mutual Insurance has you covered. From liability protection to comprehensive coverage, we customize your Massachusetts auto insurance, so you only pay for what you need.

What car insurance is required in Massachusetts?

In Massachusetts, it's illegal to drive without insurance. Drivers in Massachusetts are required to have the following car insurance coverage: bodily injury coverage, property damage coverage, uninsured motorist coverage, and personal injury protection.

This chart shows the minimum auto insurance drivers are required to have in Massachusetts for these coverages.1



Bodily Injury Coverage$20,000 per person and $40,000 per accident
Property Damage Coverage$5,000 per accident
Uninsured Motorist Coverage$20,000 per person and $40,000 per accident
Personal Injury Protection$8,000 per person, per accident

For more information, check out

What is the average cost of car insurance in Massachusetts?

The average cost of car insurance in Massachusetts is $1,3462 in 2021 according to That's 12% lower than the national average. Of course, your auto insurance cost will depend on many different factors including your age, where you live, and your driving history.

Some people get the bare minimum coverage, while others prefer the comfort and security of more protection. Liberty Mutual customizes your Massachusetts auto insurance, so you only pay for what you need.

U.S. Map with Massachusetts state highlighted

What Massachusetts car insurance coverage is right for you?

The chart above shows the minimum Massachusetts auto insurance you need. But depending on your budget and needs, you might want to consider increased coverage for more protection. We'll help you customize your Massachusetts car insurance to get the coverage that fits you. See all of our auto coverage options.

What is the best car insurance in Massachusetts?

Liberty Mutual understands that everyone has individual needs when it comes to their Massachusetts auto insurance. Some might want the cheapest Massachusetts car insurance, while others want more coverage and an auto insurance company they know they can trust. Let us help you customize your Massachusetts car insurance, so you only pay for what you need.

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Who has the cheapest car insurance in Massachusetts?

Getting the cheapest car insurance in Massachusetts may sound great, but that cheap rate can come at a cost when you need it most. You want auto insurance that's affordable, but even more importantly — reliable, in case you have an accident.

A Liberty Mutual auto insurance policy can cost less than you think.

Discounts that help you save


Online Purchase Discount

Buy your policy online and save. It's that simple.3

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Convenience and savings — need we say more? Combine your policies and get a discount.4


Get rewarded for your good driving behavior by saving up to 30% on your policy.5

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1Minimum coverage amounts are subject to change.
3Discount applies to 12% on average off auto coverages: Bodily Injury Liability, Physical Damage, Uninsured Motorist, Underinsured Motorist, Medical Payments, Personal Injury Protection, Collision and Comprehensive coverages, as applicable by state.
4Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
5The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2024 Liberty Mutual Insurance