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.

4 min to read

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:

CoverageWhat is coversMinimum amount
Bodily injury liabilityWhat is coversInjuries you cause to others in an accidentMinimum amount$20,000 per person
$40,000 per accident
Property damage liabilityWhat is coversDamage you cause to other people's property in an accidentMinimum amount$5,000 per accident
UM/UIM bodily injuryWhat is coversYour medical expenses an uninsured or underinsured driver causesMinimum amount$8,000
Personal injury protectionWhat is coversYour medical costs due to an accident, plus lost wages and death benefits, regardless of who's at faultMinimum 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 $139 per month in 2022-2023.* 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 nearly $750 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

How to get car insurance in Massachusetts

Go online

We ask easy questions, and you customize your coverages.

Quote auto insurance

Call a rep

Talk with a licensed representative who can guide you through the process.

Call 1-866-749-7436

Through an agent

Connect with an independent agent in your area.

Find an agent in Massachusetts

Quote car insurance online or give us a call

Learn more about car insurance policies.

Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.