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Cheapest Car 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, has simplified the car insurance quest by providing all the useful information in this one spot.


Enjoy Massachusetts, and don’t let the ever-changing car insurance laws and regulations take up any more time. Following is a simple list of everything necessary to keep Massachusetts drivers safe, protected and on the road.

Minimum Requirements for Car Insurance 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

New Driver Licensing Requirements:

  • 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


  • 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.

Texting & Driving Laws

Massachusetts, according to, has banned cell phone use from novice drivers and bus drivers. The state has also banned texting from all drivers.

Unique Laws

Every state has its moments, and Massachusetts must have had a couple when considering some the interesting laws put in place. Stopping at a red light, for instance, is not required by law unless the light is flashing. It is against the law to detonate a nuclear device in the city. No one may shoot a bow and arrow in the roadway, and looking in car windows is illegal!


Best Cheap Car Insurance Quotes in Massachusetts

Middlesex County Car Insurance

Bordering New Hampshire to the north and encompassing part of Boston, Middlesex County is Massachusetts' most populous, with more than 1.5 million residents. The county is divided into two regions: Middlesex North, with Lowell serving as the county seat; and Middlesex-South, with Cambridge as its county seat. Its formal county government was abolished in 1997, but boundaries remain as a geographic boundary for election, courts and administrative purposes.

Cambridge is home to Harvard University, an Ivy League research university and the oldest institution of higher learning in the U.S. It also boasts the nation's largest academic library and alumni that include 8 presidents and more than 60 living billionaires.

County Sedan Suv Coupe Truck Hybrid

Worcester County Car Insurance

The largest county in Massachusetts by area, Worcester County forms central Massachusetts and stretches from the northern to the southern border of the state. It is one of eight counties where the county government has been abolished, since state government allows both regional compacts and traditional counties.

Its largest city is Worcester, named after Worcester, England and home to more than 181,000. It is considered the birthplace of the Valentine card, first created by Esther Howland in 1847, and the monkey wrench, invented by Loring Coes. Boasting numerous venues, Worcester is the largest center for the arts in Massachusetts outside of Boston. Mechanics Hall is one of the oldest concert halls in the U.S., built in 1857.

County Sedan Suv Coupe Truck Hybrid

Essex County Car Insurance

Located at the southern border of New Hampshire and along the shores of the Atlantic, Essex County is considered part of the greater Boston area. It is among the counties that dissolved traditional county government in the late 1990s, but two county seats remain: Salem and Lawrence. Services are shared through regional government compacts.

The largest city in Essex County is Lynn, but Salem is the most widely known, home as a residential and tourist area. Its cultural identity is tied to the Salem witch trials of 1692, but it is also home to an assortment of historical sites and a vibrant downtown district. A 2013 executive order designated Salem as the birthplace of the U.S. National Guard.

County Sedan Suv Coupe Truck Hybrid

Suffolk County Car Insurance

Centered around its county seat and the state capital of Boston, Suffolk County, Mass. exists mainly as a historic geographic region, its county government having been abolished in 1999. County functions are handled by state agencies, with a some positions such as sheriff and other officials still elected. Only 120 square miles, it is the smallest county in the state by land area.

In addition to boasting the oldest elementary school and oldest high school campus in the U.S., Boston is home to the nation's oldest restaurant, the Union Oyster House on Union Street. The building is older, but Union began serving meals in 1826.

County Sedan Suv Coupe Truck Hybrid

Norfolk County Car Insurance

Named for an English county meaning "northern folk," Norfolk County, Mass. is the wealthiest county in the state based on median household income. The county seat is Dedham, a city of about 25,000 located on Boston's southwest border. Within the Norfolk County boundaries are two exclaves, Cohasset and Brookline.

An immediate Boston suburb, Quincy is the county's largest city with a population of more than 92,000. Often called "the county of presidents," Norfolk County is the birthplace of four U.S. presidents: John Adams, John Quincy Adams, John F. Kennedy and George H.W. Bush. "Little Women" author Louisa May Alcott lived and worked in Dedham in 1851 as a domestic helper.

County Sedan Suv Coupe Truck Hybrid

Bristol County Car Insurance

Home to more than half a million residents, Bristol County lies adjacent to Rhode Island, and is considered part of the Providence metro area. Taunton, the county seat, is about 40 miles south of Boston and one of the oldest towns in the U.S., founded in 1637 by members of the Plymouth Colony.

New Bedford is its largest city, once called the "whaling city" due to its whaling port in the 19th Century. "Moby Dick" author Herman Melville worked in New Bedford as a whaler, publishing his famous novel in 1851 using the city as the story's initial setting. Points of interest for visitors include the New Bedford Whaling Museum and Whaling National Park.

County Sedan Suv Coupe Truck Hybrid

Plymouth County Car Insurance

Established in 1685, Plymouth County is home to half a million residents today. There are two recognized county seats: Plymouth, known as "America's hometown," and Brockton, which holds a world record for 1,792 people donning Santa hats downtown at the same time.

Known for the Mayflower disembarkation spot of Plymouth Rock, Plymouth is a popular tourist location during Thanksgiving. Its Pilgrim Hall Museum is the oldest continually operated public museum in the country, having opened in 1824. Nearby Brockton was the first city in the world to have a three-wire underground electrical system, activated by Thomas Edison himself. It is also where a department store Santa appeared for the first time in December 1890.

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Hampden County Car Insurance

Abutting the northern border of Connecticut, Hampden County is known as the economic and cultural hub of Western Massachusetts. It is a "non-governmental" county, as it is among the Massachusetts counties opting to abolish county governments in the late 1990s with state agencies assuming much of their functions. Its seat and largest city is Springfield, a city of 1153,000 on the bank of the Connecticut River.

The American Hockey League, Baystate Health, Mutual Life Insurance Company and Merriam-Webster are among organizations with headquarters in Springfield. Hampden County is also home to New England's largest theme park, Six Flags New England, located in the town of Agawam. Originally a picnic grove in 1870, it began adding mechanical rides in the early 1900s including its first rollercoaster, the Giant Dip, in 1912.

County Sedan Suv Coupe Truck Hybrid

Barnstable County Car Insurance

Encompassing Cape Cod and surrounding islands, Barnstable County, Mass., has 550 miles of shoreline. It was named for Barnstaple, the main town of North Devon, England. The county seat is Barnstable, its largest community in both land area and population.

Cape Cod is a popular summer destination. In the village of Hyannis within Barnstable, the John F. Kennedy Museum is a stop on a Kennedy Legacy Trail. Dolphin and whale watching tours are popular among visitors along with the Cape Cod National Seashore. Attractions include the Long Pasture Wildlife Sanctuary, U.S. Coast Guard Museum, Cahoon Museum of American Art.

County Sedan Suv Coupe Truck Hybrid

Hampshire County Car Insurance

Sans county government, Hampshire County in central west Massachusetts is a historical and judicial entity, bisected by Interstate 91 running north from Springfield. Named after Hampshire, England, it is home to 158,000. Its county seat is Northampton, home a twice yearly Paradise City Arts Festival.

Northampton is a popular cultural center and tourist destination. Attractions include the Smith College Botanic Garden and Museum of Art, the Norwottuck Rail Trail and downtown historic district. Hampshire County's most populous city, Amherst, is the birthplace poets Emily Dickinson and Helen Hunt Jackson and home to the Emily Dickinson Museum. Poet Robert Frost taught at Amherst College.

County Sedan Suv Coupe Truck Hybrid

County Sedan Suv Coupe Truck Hybrid
Worcester$717.00$501.00$666.00$625.00$582.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums’s indicates Massachusetts’ average auto insurance premiums as a percentage of income dropped below the national average in 2008; the first time since 1997, when the state’s average matched the national average. It has remained under the national average through 2013.

Drunk Driving Fatalities

Massachusetts has seen rising numbers in fatalities from drunk driving, according to the National Highway Traffic Safety Administration. The state’s rise seems to have slowed in 2012, nearly leveling off at 35 percent. It spiked again, however, in 2014.

Teen Drinking and Driving

Centers for Disease Control finds that fewer teens drink and drive in Massachusetts on average than teens across the nation.

Vehicular Theft in Massachusetts

The FBI reports Massachusetts’ vehicle thefts are on the decline. Showing a downward trend starting in 2012, the state is well below the rest of the country’s averages

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!

Driver RatingBest Rate Option
Good driversCommerce (MAPFRE) Insurance
Young driversMetLife
Drivers with one at-fault crashCommerce (MAPFRE) Insurance
Retired driversCommerce (MAPFRE) Insurance


State Department of Insurance

Consumer Affairs and Business Regulation
Division of Insurance
1000 Washington St., Suite 810
Boston, MA 02118-6200
(617) 521-7794
(877) 563-4467
Get Directions

Department of Transportation

Massachusetts Department of Transportation
10 Park Plaza, Suite 4160
Boston, MA 02116
857-DOT-INFO (857-368-4636)
877-MA-DOT-GOV (877-623-6846) (Consumer Hotline)
Get Directions

Department of Motor Vehicles

Massachusetts Department of Transportation
Registry of Motor Vehicles
10 Park Plaza, Suite 4160
Boston, MA 02116
857-DOT-INFO (857-368-4636)
877-MA-DOT-GOV (877-623-6846) (Consumer Hotline)
Get Directions

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