Bay State Coverage from Boston to the Berkshires
Get affordable auto insurance anywhere in Massachusetts. Navigate no-fault requirements, winter driving challenges, and urban congestion with comprehensive coverage tailored to your needs.
Massachusetts' unique no-fault insurance system and diverse geography require specialized coverage. From Boston's busy streets to the quiet Berkshire hills, we understand your local insurance needs.
7.0M+
Population
5.3M+
Registered Vehicles
351
Cities & Towns
$1,616
Avg Annual Premium
Massachusetts is a no-fault state, meaning your own insurance covers your injuries regardless of fault. This includes mandatory Personal Injury Protection (PIP) coverage. We help you navigate these requirements while finding the most affordable rates for your situation.
Get Massachusetts car insurance quotesPop: 675K+
$2,134/year
Highest rates, urban congestion
Pop: 206K+
$1,756/year
Central MA hub, moderate rates
Pop: 155K+
$1,687/year
Western MA, lower rates
Pop: 118K+
$2,089/year
College town, limited parking
Pop: 115K+
$1,823/year
North of Boston, mixed rates
Pop: 105K+
$1,945/year
South Shore, higher risk area
Pop: 101K+
$1,712/year
Coastal city, moderate rates
Pop: 101K+
$1,998/year
Greater Boston rates apply
Metro area + suburbs
Highest rates, most congestion
Seasonal population changes
Tourist traffic considerations
Berkshires to Pioneer Valley
Rural rates, weather risks
Essex County coastal
Commuter-heavy region
PIP coverage required by law
✓ Understand your PIP options and limits
Snow and ice increase accident risk
✓ Comprehensive coverage for weather damage
Higher rates in student-heavy areas
✓ Student discounts and safe driver programs
Narrow streets, confusing layouts
✓ Accident forgiveness coverage
Expensive repairs and medical costs
✓ Adequate liability limits essential
Points system affects your rates
Good grades save money
Age 65+ qualified rates
Eco-friendly car savings
Massachusetts requires: $20,000/$40,000 bodily injury liability, $5,000 property damage, $8,000 personal injury protection (PIP), and $20,000/$40,000 uninsured motorist coverage. This no-fault state requires PIP coverage.
The average cost is $1,616 per year for full coverage. Boston has the highest rates at around $2,134, while western Massachusetts towns average closer to $1,400 annually.
Massachusetts uses SDIP points to determine rates. Accidents and violations add points, increasing premiums. Clean driving removes points. The system ranges from Step 9 (highest discount) to Step 35 (highest surcharge).
Yes, Massachusetts requires uninsured motorist coverage of at least $20,000 per person and $40,000 per accident. This protects you if hit by an uninsured or underinsured driver.
Winter increases accident risk, but comprehensive coverage handles weather damage. Consider higher liability limits and collision coverage. Many insurers offer accident forgiveness for weather-related incidents.
Common discounts include: good student (B average or better), senior driver (65+), multi-policy bundling, anti-theft devices, defensive driving courses, and low annual mileage.