Best and Cheapest Car Insurance in Massachusetts (Earn Savings With These 10 Companies in 2024)
The top pick for the best and cheapest car insurance in Massachusetts are USAA, Geico and State Farm with rates starting as low as $21 per month, especially USAA praised for its military benefits. Check out our ranking of the top providers: Best Military Car Insurance: Companies and Discounts
Geico offers the most savings with numerous discounts, while State Farm shines with extensive discount options. Whether you're looking for the lowest rates or valuable perks, these providers stand out for their exceptional offerings and tailored benefits.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $21 | A++ | Military Benefits | USAA |
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#2 | $28 | A++ | Many Discounts | Geico |
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#3 | $30 | B | Extensive Discounts | State Farm |
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#4 | $34 | A++ | Customer Service | Travelers |
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#5 | $37 | A+ | UBI Discount | Progressive |
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#6 | $39 | A | Claims Service | American Family |
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#7 | $40 | A+ | Bundling Discounts | Nationwide |
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#8 | $47 | A | Great Add-ons | Farmers |
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#9 | $56 | A+ | Agent Network | Allstate |
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#10 | $61 | A | Affinity Discounts | Liberty Mutual |
Compare your options to find the best coverage that fits your needs. Whether you're a married couple, senior, or teen driver, these companies offer tailored solutions to fit your needs.
Explore your car insurance options by entering your ZIP code above and finding which companies have the lowest rates.
What You Should Know
- USAA is the top pick for the best and cheapest car insurance in Massachusetts
- Top rates for car insurance in Massachusetts start at $21 per month
- Affordable options for teens and seniors with tailored coverage plans
On this page:
- USAA: Top Overall Pick
- Geico: Best for Many Discounts
- State Farm: Best for Extensive Discounts
- Travelers: Best for Customer Service
- Progressive: Best for UBI Discount
- American Family: Best for Claims Service
- Nationwide: Best for Bundling Discounts
- Farmers: Best for Great Add-ons
- Allstate: Best for Agent Network
- Liberty Mutual: Best for Affinity Discounts
- Monthly Car Insurance Rates and Available Discounts in Massachusetts
- Affordable Rates for Married Couples in Massachusetts
- Cheap Rates for Seniors in Massachusetts
- Affordable Teen Coverage in Massachusetts
- Finding the Best Rates Based on Your Location in Massachusetts
- Massachusetts Areas With the Highest Insurance Costs
- Cheap Car Insurance in Massachusetts
- Understanding the Average Insurance Rates in Massachusetts
- Maximizing Savings Without Compromising Coverage
- Clearsurance Rankings Explained
- Unlock the Best and Cheapest Car Insurance Deals in Massachusetts
#1 – USAA: Top Overall Pick
Pros
- Affordable Rates: USAA customer reviews highlight that USAA provides the most affordable rates for both minimum and full coverage in Massachusetts, making it a budget-friendly option for drivers.
- Military Focused: USAA provides exceptional services tailored to military members and their families, which is highly beneficial in a state with several military bases.
- Top Customer Service: Renowned for its excellent customer service, USAA consistently receives high ratings from Massachusetts policyholders.
Cons
- Eligibility Restrictions: Only available to military members, veterans, and their families, limiting accessibility for the general Massachusetts population.
- Limited Physical Locations: Fewer local branches compared to other insurers, which may inconvenience some Massachusetts residents who prefer in-person service.
#2 – Geico: Best for Many Discounts
Pros
- Competitive Rates: Geico offers some of the most competitive rates in Massachusetts, especially for full coverage.
- Extensive Discounts: Provides a variety of discounts, including for bundling policies, safe driving, and defensive driving courses, helping Massachusetts drivers save more. To gain further insights, consult our comprehensive guide titled "Safety Tips for Driving at Night."
- User-Friendly Online Tools: Excellent online platform and mobile app, making it easy for Massachusetts residents to manage their policies and claims.
Cons
- Average Customer Service: While Geico's service is generally satisfactory, it may not match the personalized attention provided by smaller insurers in Massachusetts.
- Limited Local Agents: Fewer local agents available for face-to-face consultations in Massachusetts, which might be a drawback for those who prefer personal interaction.
#3 – State Farm: Best for Extensive Discounts
Pros
- Competitive Rates: State Farm offers competitive rates for both minimum and full coverage in Massachusetts.
- Wide Network of Agents: State Farm insurance customer reviews highlight the personalized service and local support available to policyholders in Massachusetts through a wide network of agents.
- Excellent Customer Service: Known for its high level of customer service, which is a significant advantage for Massachusetts residents.
Cons
- Higher Rates for Some Drivers: Rates can be higher for high-risk drivers or those with a poor driving history in Massachusetts.
- Limited Online Tools: Online tools and mobile app may not be as advanced as some competitors, which could be a drawback for tech-savvy Massachusetts residents.
#4 – Travelers: Best for Customer Service
Pros
- Competitive Rates: Travelers offers competitive rates for both minimum and full coverage auto insurance in Massachusetts.
- Multiple Discount Options: Discounts for bundling, good driving, and defensive driving courses can make policies more affordable.
- Comprehensive Coverage Options: Travelers Companies, Inc. customer reviews highlight that the diverse coverage options available enable policies to be tailored to specific needs.
Cons
- Higher Premiums for Young Drivers: Travelers may have higher premiums for young drivers in Massachusetts compared to some competitors.
- Complex Discount Eligibility: Some discounts have strict eligibility requirements, which may be difficult for all customers to meet.
#5 – Progressive: Best for UBI Discount
Pros
- Extensive Discount Opportunities: Progressive insurance customer reviews highlight that premiums can be significantly reduced through discounts for bundling multiple policies, having good students, and other factors.
- Strong Online Tools: Progressive provides excellent online tools for quotes, claims, and policy management, enhancing convenience for Massachusetts customers.
- Flexible Coverage Options: A variety of coverage options allow Massachusetts drivers to tailor their policies to their specific needs.
Cons
- Higher Rates for High-Risk Drivers: Drivers with a poor driving record may find Progressive's rates higher than some competitors in Massachusetts.
- Inconsistent Customer Service: Customer service experiences can vary, with some Massachusetts customers reporting dissatisfaction.
#6 – American Family: Best for Claims Service
Pros
- Affordable Rates: American Family offers affordable rates for both minimum and full coverage, making it a cost-effective option in Massachusetts.
- Generous Discounts: American Family insurance customer ratings indicate that discounts for safe drivers, multi-policy holders, and good students assist Massachusetts policyholders in reducing their premiums.
- Strong Community Focus: American Family is known for its community involvement and local presence, providing a more personal touch in Massachusetts.
Cons
- Limited Availability: American Family may not be as widely available in all areas of Massachusetts compared to larger national providers.
- Higher Rates for High-Risk Drivers: High-risk drivers might find American Family's rates to be higher than those of some competitors.
#7 – Nationwide: Best for Bundling Discounts
Pros
- Extensive Network: Nationwide has a vast network of agents and offices across Massachusetts, ensuring convenient local support.
- Wide Range of Discounts: Offers numerous discounts, including multi-policy, safe driver, and accident-free discounts, tailored for Massachusetts residents.
- Strong Financial Stability: Nationwide customer reviews highlight the company's high ratings for financial strength, ensuring that claims will be paid promptly and providing peace of mind.
Cons
- Limited Local Agents: In certain rural areas of Massachusetts, finding a local Nationwide agent might be more challenging.
- Discount Eligibility: Some discounts are harder to qualify for, making them less accessible to all Massachusetts drivers.
#8 – Farmers: Best for Great Add-ons
Pros
- Customizable Coverage: Farmers insurance customer reviews highlight the flexibility of insurance packages for Massachusetts drivers, enabling them to personalize policies according to their individual requirements.
- Educational Resources: Farmers offers extensive online resources and tools to help Massachusetts residents understand their insurance options.
- Bundling Discounts: Significant savings for Massachusetts customers who bundle auto with home or other insurance policies.
Cons
- Price Variability: Rates can be higher for some drivers, especially those with less-than-perfect driving records in Massachusetts.
- Limited Online Tools: The mobile app and online tools are not as advanced as some competitors, potentially reducing convenience for tech-savvy users.
#9 – Allstate: Best for Agent Network
Pros
- Extensive Discount Options: Offers a wide array of discounts, including safe driver, multi-policy, and new car discounts, appealing to many Massachusetts drivers.
- Strong Financial Rating: Allstate customer reviews highlight the company's strong financial stability, which guarantees dependable claims processing for policyholders in Massachusetts.
- Innovative Tools: The Allstate mobile app and Drivewise program offer innovative tools for Massachusetts drivers to monitor driving habits and earn discounts.
Cons
- Mixed Customer Reviews: Customer service experiences can vary, with some Massachusetts drivers reporting issues with claim handling.
- Limited Discounts for High-Risk Drivers: Fewer discount options available for high-risk drivers in Massachusetts, potentially leading to higher premiums.
#10 – Liberty Mutual: Best for Affinity Discounts
Pros
- Strong Local Presence: Headquartered in Massachusetts, offering extensive local knowledge and presence.
- Various Discounts: Offers many discounts, such as for bundling, safe driving, and hybrid vehicles, which are attractive to Massachusetts drivers.
- Local Claims Support: Liberty Mutual insurance customer reviews highlight that local claims offices facilitate quicker and more effective handling of claims for Massachusetts policyholders.
Cons
- Higher Premiums: Liberty Mutual's premiums for full coverage tend to be higher compared to other providers in Massachusetts.
- Fewer Agent Offices in Rural Areas: Limited agent availability in rural parts of Massachusetts can make in-person service less accessible.
Monthly Car Insurance Rates and Available Discounts in Massachusetts
Explore the latest monthly auto insurance rates from top providers in Massachusetts, including Allstate, Geico, and State Farm. This guide also highlights various discounts available, such as those for clean driving records and bundling policies, to help you find the best savings on your car insurance policy. Monthly Car Insurance Rates and Available Discounts in Massachusetts-What Is Considered a Clean Driving Record? To broaden your understanding, explore our comprehensive resource on insurance coverage titled "What Is Considered a Clean Driving Record?"
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $56 | $143 |
| American Family | $39 | $99 |
| Farmers | $47 | $121 |
| Geico | $28 | $73 |
| Liberty Mutual | $61 | $155 |
| Nationwide | $40 | $103 |
| Progressive | $37 | $95 |
| State Farm | $30 | $78 |
| Travelers | $34 | $88 |
| USAA | $21 | $53 |
This table presents the monthly rates for minimum and full coverage auto insurance from various companies. USAA offers the most affordable rates, with $21 for minimum coverage and $53 for full coverage. Geico follows, providing minimum coverage at $28 and full coverage at $73. On the higher end, Liberty Mutual charges $61 for minimum and $155 for full coverage. Other notable options include State Farm, Progressive, and Nationwide, with competitive rates across both coverage types.
Discover a range of car insurance discounts from the top providers in Massachusetts. Compare options from leading companies like Allstate, Geico, and State Farm, featuring discounts for clean driving records, bundling policies, defensive driving, and more. This table highlights the available discounts across ten major insurance providers, helping you find potential savings on your car insurance policy.
Affordable Rates for Married Couples in Massachusetts
In Massachusetts, married couples can take advantage of our affordable rates designed to offer both value and quality. Whether you're looking to enhance your lifestyle, secure your future, or simply enjoy exceptional services without breaking the bank, our tailored solutions ensure you get the best possible experience at a price that fits your budget. Take a look at our list of the top providers: Best Car Insurance Companies for Married Couples
The table displays the monthly insurance rates offered by different companies, including Allstate, American Family, Farmers, Geico, Liberty Mutual, Nationwide, Progressive, State Farm, Travelers, and USAA. These rates vary based on several demographic factors, such as the policyholder's age, driving history, location, and type of coverage. Each company sets its rates differently, reflecting the individual risk assessments and pricing strategies they use for various demographic groups.
| Insurance Company | Rates |
|---|---|
| Allstate | $66 |
| American Family | $49 |
| Farmers | $60 |
| Geico | $33 |
| Liberty Mutual | $74 |
| Nationwide | $52 |
| Progressive | $51 |
| State Farm | $39 |
| Travelers | $40 |
| USAA | $30 |
These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had one driving incident within the past three years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.
Cheap Rates for Seniors in Massachusetts
Seniors can enjoy affordable rates on a variety of services and products tailored to their needs. Whether it's discounted public transportation fares, special pricing at local restaurants and stores, or reduced fees for recreational activities and cultural events, Massachusetts offers numerous ways for seniors to save money while enjoying their golden years to the fullest. With a range of discounts available statewide, seniors can explore all that Massachusetts has to offer without breaking the bank.
The table shows monthly insurance rates for a 65-year-old individual, comparing costs between females and males across various insurance companies, with demographic factors considered being age and gender. For a comprehensive analysis, refer to our detailed guide titled "Best Car Insurance for Senior Drivers."
| Insurance Company | Female (Age 65) | Male (Age 65) |
|---|---|---|
| Allstate | $56 | $55 |
| American Family | $38 | $38 |
| Farmers | $46 | $46 |
| Geico | $28 | $28 |
| Liberty Mutual | $59 | $60 |
| Nationwide | $40 | $39 |
| Progressive | $39 | $37 |
| State Farm | $30 | $30 |
| Travelers | $33 | $34 |
| USAA | $20 | $20 |
These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.
Affordable Teen Coverage in Massachusetts
Affordable teen coverage offers essential health insurance options for young individuals at a budget-friendly price. Designed to meet the unique needs of teenagers, this coverage ensures access to medical services, preventive care, and emergency support without breaking the bank. By providing comprehensive protection at a cost-effective rate, affordable teen coverage helps families safeguard their children's health and well-being with ease.
The table provides the monthly insurance rates for 18-year-old males and females across several insurance companies. It compares how these rates vary based on gender and the specific age of 18, highlighting differences in pricing among various insurance providers for this demographic. For detailed information, refer to our comprehensive report titled "Car Insurance for New Drivers (Rates and Rankings)"
| Insurance Company | Female (Age 18) | Male (Age 18) |
|---|---|---|
| Allstate | $100 | $205 |
| American Family | $115 | $156 |
| Farmers | $229 | $240 |
| Geico | $87 | $101 |
| Liberty Mutual | $210 | $252 |
| Nationwide | $120 | $153 |
| Progressive | $236 | $264 |
| State Farm | $91 | $113 |
| Travelers | $208 | $291 |
| USAA | $72 | $81 |
These rates are based on profiles for 18-year-old male and female drivers in Massachusetts. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. This quote was without unusual or specialized insurance discounts. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.
Finding the Best Rates Based on Your Location in Massachusetts
While your state of residence affects your car insurance rates, so does the particular area within the state you live. Car insurance rates in Massachusetts can even vary by different areas within a city. Northfield is the cheapest area in Massachusetts for car insurance. To enhance your understanding, explore our comprehensive resource on insurance titled "The Best and Cheapest Car Insurance Companies."
The table provides monthly rates for different cities, including Chatham, North Chatham, Northfield, Nantucket, Siasconset, Gill, Deerfield, South Deerfield, East Orleans, and Orleans. These rates reflect the cost of services or goods in each city, with variations likely influenced by local demographic factors such as population density, income levels, and regional economic conditions.
| City | Rates |
|---|---|
| Chatham | $115 |
| North Chatham | $120 |
| Northfield | $95 |
| Nantucket | $130 |
| Siasconset | $125 |
| Gill | $100 |
| Deerfield | $105 |
| South Deerfield | $110 |
| East Orleans | $110 |
| Orleans | $115 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past t three years for a relatively clean driving record and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services. All rates were populated through a simple calculator, not an insurance agent.
Massachusetts Areas With the Highest Insurance Costs
Car insurance rates may be more expensive in some areas of Massachusetts based on a few factors: driving behavior in the area, frequency of accidents and crime rate. These can cause rates to be more expensive in some cities and even different neighborhoods within the city. Roxbury Crossing and Roxbury, both Boston neighborhoods, are among the most expensive areas for car insurance in Massachusetts. The table below displays the top ten most expensive areas in Massachusetts for car insurance for a single adult.
The table presents monthly rental rates for various neighborhoods, including Roxbury Crossing, Roxbury, Dorchester, Dorchester Center, Mattapan, Brockton, Chelsea, Revere, Readville, and Hyde Park, considering factors such as location and housing market variations. For a comprehensive overview, explore our detailed resource titled "Why Is Car insurance So Expensive?"
| City | Rates |
|---|---|
| Roxbury Crossing | $229 |
| Roxbury | $229 |
| Dorchester | $221 |
| Dorchester Center | $218 |
| Mattapan | $206 |
| Brockton | $197 |
| Chelsea | $194 |
| Revere | $192 |
| Readville | $190 |
| Hyde Park | $183 |
These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.
Cheap Car Insurance in Massachusetts
While many states only require drivers to obtain liability insurance, Massachusetts' restrictions are more comprehensive. Massachusetts requires drivers to secure four different types of coverage: bodily injury, property damage, uninsured motorist protection and personal injury protection (often referred to as PIP). At first, this may seem like a cash grab, requiring so much protection, but it can be for any number of reasons. If the place you live sees higher liability per accident, an insurer is going to want you to have higher levels of coverage.
Below, we've detailed the minimum coverage requirements set by Massachusetts, but keep in mind, these are only the minimums. You should consider purchasing higher limits to ensure that you are not underinsured in the event of a costly accident. You can learn more about different car insurance coverage options and what the limits mean here.
Massachusetts state minimum requirements:
Here is a list of Massachusetts's minimum coverage requirements:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
- Uninsured/Underinsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury; $25,000 per accident for property damage."
It's important to keep in mind that the coverage amounts provided in the listed options represent the minimum levels of protection. These baseline amounts are designed to meet standard requirements, but they might not fully address your individual circumstances or offer comprehensive protection.
Evaluating your personal needs, such as the value of your vehicle, your financial situation, and your risk tolerance, is crucial in determining whether higher coverage limits would be beneficial. Opting for increased coverage can provide additional peace of mind by offering more robust protection against potential financial losses resulting from an unexpected accident or other unforeseen events.
Understanding the Average Insurance Rates in Massachusetts
When searching and comparing quotes from the universe of companies that exist in Massachusetts, it can be frustrating trying to understand how your insurance rates are calculated.
While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you see in insurance quotes.
Among the factors that car insurers consider are:
- Driving Record & Mileage
- Age, Gender, & Marital Status
- Your Car’s Make, Model, and Year
- Location
- Amount of Car Insurance Coverage
One of the biggest mistakes people make is confusing the price of auto insurance with the best auto insurance coverage. Sometimes they do go hand in hand. You pay more and get more. Many companies have figured out how to offer affordable car insurance that covers all your needs, though. To gain profound insights, consult our extensive guide titled "Top Ways Customers Have Saved Money on Car Insurance Rates."
You can look at factors such as what you drive (what's the replacement value), what your driving record looks like, and your family structure. You'll probably want more protection if you're driving with family than you would on your own. If you drive with three kids on a regular basis, it makes sense to pay for higher per accident limits to cover all three kids. In this instance, you wouldn't want the cheapest auto insurance policy.
On the other hand, if you're on a tight budget, you might start out determining what you really need for your base auto insurance rates. If you're working with an insurance agent or comparing rates online, you can also look at discounts. You shouldn't cut necessary coverage, but you probably aren't trying to cover a brand new luxury car replacement. You could also wait a few years to give your teen drivers any driving privileges if it really comes down to affording a solid auto insurance plan.
Maximizing Savings Without Compromising Coverage
At the end of the day, we'd all like to have the best coverage at a cheap, affordable price from one of the best Massachusetts car insurance companies. While you never want to sacrifice quality in order to cut down on your overall cost, there are some different ways you can lower your car insurance premium.
Here are six ways you may be able to lower your car insurance rates:
- Bundle your car insurance with other policies
- Consider raising your deductibles
- Pay your car insurance policy in full
- Try usage-based car insurance
- Monitor price changes to your policy
- Shop for better insurance rates
Some of these will be easier to complete depending on your situation, but there are other ways to save money on your policy service options that are more in your control. Talk to your provider about safe driver discounts; if you have a clean record you may be eligible for compensation. For a thorough understanding, refer to our detailed analysis titled "Will My Insurance Policy Cover My Claim."
If your driving habits are less than stellar and you lack a smooth driving history, you could still be able to get a lower average cost if you talk to your insurer about any other discounts or offers they may have. Taking a defensive driving course could help you, as it shows you're invested in improving your driver profile.
Clearsurance Rankings Explained
Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:
- Price
- Customer Service
- Claim Service
- Likelihood to Renew
The algorithm also takes into account the percentage of what customers say the company does well (strengths) compared to the percentage of what customers say the company could do better (opportunities). Our customers live in a range of states, not all of which are a no-fault state. It's vital that you know the strict guidelines that your state has in place regarding what coverage you need. There's a difference between your policy limit, and minimum limits, and our customers provide feedback on both aspects of being insured.
They also have different bodily injury coverage, collision coverage, and other optional coverage types that are factored into their average rate. We combine all these factors to get an idea of how most users feel about the companies. To expand your knowledge, refer to our comprehensive handbook titled "Collision vs. Comprehensive Coverage: Differences in Car Insurance Policies."
Unlock the Best and Cheapest Car Insurance Deals in Massachusetts
Whether you're buying your insurance directly through an auto insurance provider, or going through an agent, understanding the different car insurance coverage options is a must. Find the most affordable and best car insurance in Massachusetts with top picks like USAA, Geico, and State Farm. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?
We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance. You can always use both the guide and blog for additional feedback.
Need the cheapest car insurance possible? Enter your ZIP code below into our free comparison tool to find the most affordable rates for your vehicle.
Frequently Asked Questions
What type of car insurance is cheapest?
Typically, fully comprehensive insurance is the least expensive, though prices are influenced by individual circumstances.
What is basic car insurance in Massachusetts?
Massachusetts law requires that you carry bodily injury liability limits of at least $20,000 per-person and $40,000 per-accident and property damage liability coverage of at least $5,000. You must also carry coverage of at least $20,000 per-person and $40,000 per-accident for bodily injury caused by an uninsured auto.
Is Geico available in Massachusetts?
Geico offers a lot of Massachusetts auto insurance coverage options and car insurance discounts that may apply.
How much is insurance for a new driver monthly in Massachusetts?
Car insurance for new drivers in Massachusetts costs an average of $62 per month to $234 per month. The exact cost varies based on the driver's age and whether they are purchasing their own policy or being added to an existing one. The table below lists premiums for new drivers purchasing their own policy.
Which insurance cover is best for car?
Comprehensive' insurance cover provides the widest cover and covers for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods.
Who pays for car damage in Massachusetts?
In the past, insurance companies were only required to pay the costs of repairing or replacing your vehicle. Now, the Massachusetts insurance companies will be responsible for paying to repair your car and compensating you for the loss of value to your car if you have a valid IDV claim.
What is the minimum car insurance in Massachusetts?
Liability insurance in Massachusetts. The minimums set by Massachusetts law include: $20,000 for bodily injury liability per person. $40,000 for bodily injury liability per accident. $5,000 for property damage liability per accident.
How can I lower my car insurance in Massachusetts?
You can always save on your premium by choosing a larger deductible where one is offered. In determining the right deductible for you, decide how much you can afford to pay out of your own pocket in the event of an accident or loss in which you are at fault, or the other driver is unidentified.
What is the penalty for driving without a license in Massachusetts?
Operating a vehicle without a valid license is a criminal charge in Massachusetts, and a conviction can result in a fine of up to $500 (or up to $1000 if the license was revoked) and possible incarceration.
Can I have out of state car insurance in Massachusetts?
No, you must change your insurance to a company licensed to do business in Massachusetts and register your car with the registry of motor vehicle department. Massachusetts's law requires a change of registration and insurance within 30 days of becoming a resident.