How does your city measure up to the national average?

National average time spent commuting 26.9 Min

National average car thefts per 1,000 2.3 Year

National average car insurance cost $1,311 Year

CityCommute time (min)Auto theft rate / 1,000Annual Insurance Cost
New Bedford261.58$113

Massachusetts Car Insurance FAQ - Quick Answers

The average annual cost for car insurance in Massachusetts is $1,460, coming in slightly higher than the national number of $1,311 per year. If you want to save on auto coverage, obtain multiple quotes for your exact costs. 

Massachusetts car insurance will have a variety of coverage options under the following limits:

  • Bodily injury liability: Pays for medical expenses of others.
  • Property damage liability: Pays for property damage of others.
  • Personal injury protection: Pays for your medical expenses.
  • Uninsured/underinsured motorist: Pays for an accident involving an uninsured/underinsured motorist.
  • Gap: Pays for the difference between your auto loan and the market value of a totaled vehicle.
  • Comprehensive: Pays for an unavoidable collision with an object or animal.
  • Collision: Pays for a collision with a vehicle, object, or animal that could have been avoidable.
  • Roadside assistance: Pays for a tow or replacing a flat tire. 
  • Rental car: Pays for a replacement vehicle due to a covered claim.

In Massachusetts, you'll be required to carry the minimum coverage limits set forth by local law below:

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $5,000 in property damage liability
  • Personal injury protection 
  • Uninsured motorist coverage

Massachusetts currently has 6.2% of its driving force uninsured. Fortunately, uninsured motorist coverage is mandatory by state law and pays for your damage and medical expenses due to an uninsured driver.

You'll be required to carry the state minimum liability limits for car insurance in Massachusetts. In addition, personal injury protection and uninsured motorist coverage are also necessary.

On average, you'll pay $1,460 annually for Massachusetts car insurance. If you're a youthful driver, you'll pay substantially more for auto coverage until the age of 25. This is true for any state, as more risk is accounted for until you gain experience operating vehicles. 

Do You Know What Your Massachusetts Car Insurance Covers?

Find the Best Car Insurance in Your City