Cheapest Auto Insurance Companies in Massachusetts
- The cheapest MA car insurance companies are Plymouth Rock Insurance and GEICO. State minimum liability car insurance starts at $38 a month or $453 a year with Plymouth Rock. Full coverage car insurance starts at $134 a month or $1,604 a year with GEICO.
See our comparison data of cheap auto insurance providers and policy rates for state minimum liability and full coverage here:
Average Car Insurance Costs for Massachusetts
- On average minimum liability for Massachusetts drivers is $100 a month or $1,190 a year. Full coverage policies cost around $297 a month or $3,549 a year.
CheapCarInsurance pulls cost data from recent real time auto policy quotes across the state. Data is based on a driver profile of a single person with a clean driving record that is middle aged and drives a modern vehicle.
How to Find the Cheapest Auto Insurance in Massachusetts
Massachusetts, the third most densely populated state in the nation, is a melting pot of history, culture, industry and open countryside. Visit the scene of the Boston Tea Party, walk the uniquely-American Freedom Trail or drop by the village of the Salem Witch Trials. Massachusetts’ countryside can be breathtaking, and visitors and residents alike can share front row seats to some of the most vibrant sunsets on the Atlantic Coast. Drive from busy Boston to serene Southampton, and enjoy New England in its true beauty. To take the stress off driving Massachusetts, CheapCarInsurance.net has simplified the car insurance quest by providing all the useful information in this one spot.
MA Auto Policy Costs by Vehicle Type & County
The average costs for car insurance in Massachusetts will vary on a few factors that are discussed below, but on average a year of vehicle coverage will cost around $600 to $1,295. Here is a breakdown of costs from our database compiled by the type of car you drive and your current city in MA:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Barnstable | $717 | $501 | $666 | $625 | $582 |
| Berkshire | $717 | $501 | $666 | $604 | $582 |
| Bristol | $809 | $586 | $751 | $714 | $654 |
| Dukes | $717 | $501 | $666 | $625 | $582 |
| Essex | $717 | $501 | $666 | $625 | $582 |
| Franklin | $717 | $501 | $666 | $597 | $582 |
| Hampden | $717 | $501 | $666 | $625 | $582 |
| Hampshire | $717 | $501 | $666 | $625 | $582 |
| Middlesex | $717 | $501 | $666 | $625 | $582 |
| Nantucket | $717 | $501 | $666 | $624 | $582 |
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Car Insurance Requirements in Massachusetts
- Massachusetts requires all vehicles to be covered by liability insurance, personal injury protection and uninsured motorist insurance.
- Liability Coverage minimums:
- $20,000 per single bodily injury or death.
- $40,000 per multiple bodily injuries or deaths.
- $5,000 for property damage.
- Personal Injury Protection minimums:
- $8,000 per person for medical coverage
- Uninsured Motorist minimums:
- $20,000 per person
- $40,000 per accident
How to Get a New State License
- Massachusetts’s Registry of Motor Vehicles provides information for new drivers applying for a state drivers license, and Massachusetts employs a Junior Operator’s License (JOL) program to allow new drivers to practice driving prior to applying for a full license.
- Learner’s Permit. Applicants 16 years of age or older may begin the process at this stage with their parent’s/legal guardian’s consent. The applicant must pass the vision test and the written test, and while holding the Learner’s Permit, the following applies:
- The applicant must be accompanied by a licensed driver age 21 or older who has held a license for 1 year.
- If under 18, the applicant may drive between the hours of 12 am and 5 am.
- The applicant must complete 40 hours of driving time and submit a driver’s time log.
- The applicant must complete an approved driver education program which includes 30 hours of classroom, 12 hours of driving training, 6 hours of in-car observation of another student driver and 2 hours of class attendance by the applicant’s parent/legal guardian.
- The applicant must hold the license for 6 months prior to applying for the Junior Operator’s License.
- Junior Operator License (JOL). To hold a JOL, the applicant:
- Must be at least 16 years, 6 months of age
- Must have completed a driver education course
- Must submit a completed supervised driving log containing an additional 40 hours of supervised driving
- Must have a valid Massachusetts Learner’s Permit which he/she has held for at least 6 months
- Must have a clean driving record
- For the first 6 months, the applicant may not drive with any passenger under 18 years of age unless he/she is also accompanied by a licensed driver age 21 or older.
- The applicant may not drive between the hours of 12:30 am and 5 am.
- Must pass the road skills test
- Driver’s License. To hold a drivers license, the applicant:
- Must be at least 18 years of age
- Must have held a provisional license for 18 months with no violations
- Vision Exam. Applicants will be screened for visual acuity, color vision and peripheral vision. Passing standards require a visual acuity of 20/40 and 120 degrees of peripheral vision. If the applicant’s acuity falls between 20/50 and 20/70, a daylight driving restriction may be applied.
- Knowledge Test. Applicants must pass a 25-question knowledge test that evaluates his/her understanding of basic traffic laws, regulations, signs and signals. The Massachusetts Driver’s Manual covers all the necessary information to pass the test.
- Road Skills Test. This test is designed to evaluate the applicant’s ability to maneuver his/her vehicle safely and legally. The vehicle, provided by the applicant, will undergo a pre-test check with the test administrator. The requirements for the check can be found in the Massachusetts Driver’s Manual. The following skills will be evaluated by the test administrator:
- Use of hand signals
- Starting and stopping the vehicle
- Parallel parking
- Backing the vehicle 50 feet
- Making left and right turns
- Grade parking, stopping, starting
- Three point turn
- Entering and leaving intersections
- Obey traffic signs, signals and markings
- Lane control
- Posture and hand position
- Right-of-way
- Fees. The following fees apply for every applicant:
- Learner’s Permit: $30
- Road test: $20
- New Drivers License: $50
DWI Laws in MA
- BAC limit: .08 Massachusetts’ Department of Transportation has produced a helpful brochure outlining the state’s Operating Under the Influence (OUI) laws. The brochure can be accessed at the Massachusetts’ DOT website.
- The BAC limit for drivers under 21 is .02. Upon failing a breath test, the driver’s license will be automatically suspended for 30 days, and the driver’s vehicle will be impounded.
- Listed below are the major penalties for OUI convictions in Massachusetts:
- First Offense:
- Fine: $500 – $5,000
- Jail: maximum 18 months
- License suspension: 1 year
- Second Offense:
- Fine: $600 – $10,000
- Jail: 30 days to 18 months
- License suspension: 2 years
- Possible Ignition Interlock extending 2 years after the reinstatement date
- Third Offense:
- Fine: $1,000 – $15,000
- Jail: 150 days to 5 years
- License suspension: 8 years
- Possible Ignition Interlock extending 2 years after the reinstatement date
- Refusal to submit to an alcohol test results in the following license suspension(s):
- No prior convictions: 180 days
- 1 prior conviction: 3 years
- 2 prior convictions: 5 years
- 3 or more prior convictions: lifetime suspension
- Ignition Interlock Devices require a fee of $100 to $500 for installation and a monthly premium of at least $85.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.