Massachusetts car insurance
Drivers in Massachusetts experience everything from scenic rides in quaint, historical towns to crowded commutes in bustling Boston. From Worcester to Springfield to the Cape, wherever they go, Bay State drivers depend on Progressive for reliable protection. Check out the required coverages, cost information, and available Progressive discounts for car insurance in Massachusetts.
Explore Progressive Answers' auto editorial guidelines to find out why you can trust the car insurance information you find here.
What are Massachusetts' minimum auto insurance requirements?
Massachusetts drivers are required to have auto liability coverage (BI liability and PD liability ), uninsured/underinsured motorist (UM/UIM) coverage, and personal injury protection at the following minimum car insurance limits:
| Coverage | What is covers | Minimum amount |
|---|---|---|
| Bodily injury liability | What is coversInjuries you cause to others in an accident | Minimum amount$20,000 per person $40,000 per accident |
| Property damage liability | What is coversDamage you cause to other people's property in an accident | Minimum amount$5,000 per accident |
| UM/UIM bodily injury | What is coversYour medical expenses an uninsured or underinsured driver causes | Minimum amount$8,000 |
| Personal injury protection | What is coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at fault | Minimum amount$8,000 |
These are Massachusetts' minimum required car insurance limits, but you can increase your limits and add other coverages for better protection. Learn how much car insurance you may need based on your unique situation.
Is Massachusetts a no-fault state?
Yes, Massachusetts has been a no-fault state since 1971, according to the Insurance Information Institute. As a no-fault state, Massachusetts requires drivers to carry PIP coverage so that their own insurance covers some or all of their medical expenses after a car accident, regardless of who's at fault. No-fault car insurance also restricts the right to sue to only lawsuits that involve severe injuries.
How much is car insurance in MA?
The average cost of a liability-only Progressive auto policy in Massachusetts (single driver/single car) was $159.25 per month in 2023.* However, Massachusetts car insurance rates will vary based on your driving history, ZIP code, and coverage selection. Discover more car insurance cost factors.
Ready to switch to Progressive? Drivers who save when they switch save over $800 on average.† Get a car insurance quote today.
What is the best car insurance in Massachusetts?
In your search for the best or cheapest car insurance in Massachusetts, be sure to compare equal coverages, limits, deductibles, and discounts. Progressive car insurance offers plenty of incentives to Massachusetts residents. Our auto insurance customers earn an average of seven discounts, and we're the #1 combined personal and commercial auto insurance company.**
If you're looking for the cheapest car insurance in Massachusetts, get a quote from Progressive — drivers nationwide who switch from GEICO and save with Progressive save over $700 on average.§
How do I lower my car insurance cost in Massachusetts?
To help lower your car insurance in Massachusetts, Progressive offers many discounts, including:
- Continuous insurance
- Five-year accident-free
- Paid in full
- Electronic Funds Transfer (EFT)
- Multi-car
- Online quote
- Three-year safe driving
- Paperless
See all our auto insurance discounts.
Pro tip:
Bundle and save! One way to get cheaper car insurance in Massachusetts is to bundle your home and auto insurance. New customers who save by bundling their home and auto with Progressive save over 20% on average nationwide.†
Additional car insurance coverages to consider
If you get a car loan or lease, lenders usually require comprehensive auto coverage and collision auto coverage in addition to Massachusetts' state-required coverages. Comprehensive and collision pay for a totaled or damaged vehicle due to an accident or other covered incident like theft or weather damage. It can make sense to add these physical damage coverages even if you don't have a car loan or lease, especially if you don't want the cost of major repairs or a new car after an accident.
Explore all our car insurance coverages, and use our car insurance calculator to find out which ones are recommended for you.
Resources for Massachusetts drivers
- Massachusetts Registry of Motor Vehicles: Get or renew your driver's license, vehicle registration, license plates, and more.
- Massachusetts law about traffic violations: Review Massachusetts' traffic laws.
- Massachusetts first-time drivers: Explore Massachusetts' resources for first-time and student drivers.
- Car insurance resource center: Find out how car insurance works, from coverages to rates.
How to get car insurance in Massachusetts
Call a rep
Talk with a licensed representative who can guide you through the process.
Call 1-866-749-7436
Quote car insurance online or give us a call
Learn more about car insurance policies.
