Looking for Cheap Car Insurance in Massachusetts?
No matter where you live, Carlay Insurance can find you affordable insurance coverage. Carlay is a completely free insurance shopping app that searches 50+ top providers to get you the best rate. Carlay will handle all the paperwork and phone calls to make the process as seamless as possible. Also, with super-fast cancellation service and world-class customer care, Carlay makes getting your car covered a breeze!
Carlay users in Massachusetts save an average of $879 per year on car insurance. Here are the real quotes from actual Carlay customers:
How Much Does Car Insurance Cost in Massachusetts?
Your average annual cost of liability-only car insurance in Massachusetts is $2,075. If you prefer to buy full coverage car insurance in Massachusetts, the average annual cost is $2,215.
When you look at these figures in comparison to the average prices for car insurance around the country, you can see that buying full-coverage car insurance will cost $2,485 per year, whereas liability-only insurance will only cost $1,783 per year.
What contributes to the insurance rates in Massachusetts?
These are a few of the factors that will impact whether you'll pay more or less for car insurance in Massachusetts:
- High population density
Massachusetts is known for its dense population, with cities like Boston and its suburbs teeming with drivers, where accidents are likely. This causes auto insurance rates in the state to be consistently high.
- High cost of living
When you live in Massachusetts, the high cost of living means that car repair costs tend to be higher than in other parts of the country. You're also more likely to encounter big-city traffic congestion and a greater probability of vehicle theft. This is why it is reflected in your car insurance rates.
- More damaged property or bodily injury risks
In Massachusetts, there's a bigger chance of your car being damaged by property or bodily injury risks than almost anywhere else in America. So before you hit the road, make sure you're insured.
Here's what Massachusetts averages are compared to nationwide averages:
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$2,452||$2,489|
|All Coverage After Carlay||$1,704||$1,671|
|Minimum Coverage Before Carlay||$3,000||$2,360|
|Minimum Coverage After Carlay||$1,036||$1,390|
|Full Coverage Before Carlay||$2,572||$2,761|
|Full Coverage After Carlay||$1,919||$1,963|
Top auto insurance providers in Massachusetts
In Massachusetts, it is required by law that you insure your vehicle. Fortunately, your options are many, from major providers like GEICO, Metlife, and Progressive to more regional ones. But if you look around, you will probably find that a different provider is better suited to your needs.
There's a lot to consider when it comes to auto insurance in Massachusetts. Your age, credit score, location, and more can all have a significant impact on your car insurance rates. Different providers have different standards when it comes to what they're willing to offer drivers in terms of car insurance rates. Even with identical policies, you might find yourself with a different quote from each carrier you go to.
The cars you also drive factor into your insurance rates. For instance, if you're insuring a Ford Explorer XLT, you'll probably pay more for full-coverage insurance than if you're insuring a Toyota Corolla.
Regardless, Carlay has a wide range of car insurance options to suit your needs. Below you will find some of the prices we have found for our customers in Massachusetts:
What Car Insurance Do You Need in Massachusetts?
In Massachusetts, car owners can drive legally only if they buy insurance to cover damages in case of an accident. A car owner must have at least the following kinds of insurance:
|Bodily injury liability||$20,000 per person / $40,000 per accident||Covers you for medical expenses for injuries you cause to other people.|
|Property damage liability||$5,000 per accident||Coverage can help you pay for damage to other people's cars or property|
|Personal injury protection||$8,000||Provides reasonable expenses and necessary medical coverage associated with an accident, no matter whose fault it was.|
|Uninsured motorist bodily injury||$20,000 per person / $40,000 per accident||Covers you in case you're in an accident, and the other driver doesn't have insurance.|
If you are driving without insurance, here are the consequences you might face:
- Fine of up to $5,000
- Driver's license suspension for up to one-year
- Vehicle impoundment
- Up to one year in jail
- Financial liability in the event of an accident
As a general rule, you should try to purchase as much insurance as you can afford. Here are some other coverage options to consider:
|Collision insurance||Covers the costs of repairs to your car following a collision with another vehicle or an object that is stationary.|
|Comprehensive insurance||Covers damage caused by events other than a collision, such as vandalism, theft, or natural disaster.|
|Rental reimbursement||You will be reimbursed for any rental car expenses you incur due to an accident that was claimable.|
Carlay makes it easy to keep your insurance costs down. Search for the right policy, get quotes from dozens of top companies, and sign up online. Carlay will stay with you through every step—including changeover, paperwork, and renewal. And we'll stay in touch every year to find you the best rate.
Now that we've discussed the basics, here are some pointers to help you begin looking for insurance in Massachusetts.
How is Your Cost of Car Insurance Determined in Massachusetts?
There are many factors that contribute to your final premium, including your age, driving record, zip code, and the type of vehicle you drive.
- Cost to insure your car in Massachusetts by age
Insurance companies take into account years of experience when determining their clients' premiums because experience correlates with fewer accidents. Younger drivers tend to pay more due to their behavior behind the wheel, which can pose greater risks to themselves and others on the road.
What young drivers in Massachusetts need to know
Getting a driver's license is an exciting rite of passage for many teens across the country. But before you can hit the road, you have to get car insurance. As a young driver in Massachusetts, you should know that the state has a graduated licensing system to promote safe and responsible driving.
There's also a defensive driving course that can help to lower your insurance rates and may even qualify you for a discount. Maintaining a good grade point average as a student driver in Massachusetts can qualify you for a good student discount on car insurance.
Even if you're young, Carlay Insurance can get you fair rates. Here are the rates for different age groups:
|Age Group||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Massachusetts with a poor driving record
Your Massachusetts car insurance rates will likely depend largely on your driving record. Accidents, speeding tickets, and DUIs can lead to higher rates—and they can stay that way for years. That's why having marks on your driving record makes you a higher risk for insurance companies. Insurance providers charge you more because you're a bigger risk to them. The more violations on your record, the more you'll pay for coverage.
Fortunately, you can still save money on your car insurance even if you've had a few accidents! At Carlay, we can help you find low-cost car insurance if you have a bad driving record. Here is a sampling of discounts that we offer for drivers with poor driving histories:
|Driving Violation||Average Cost||Annual Savings with Carlay|
|Speeding over 15||$5,810||$1,395|
|Speeding under 15||$3,288||$459|
|Failure to Obey Traffic Sign||$3,107||$209|
- Cost to insure your car in Massachusetts based on where you live
Massachusetts, also known as the Bay State, has the most residents per square mile in the country. This means that there are a lot of people driving on Massachusetts's roads. Because of the greater number of driving-related activities and opportunities for accidents, thefts, and claims in urban areas, drivers in busy cities tend to pay more for insurance than drivers in rural areas. If you live in Boston or Cambridge, you'll likely pay more for auto insurance than someone living in Monroe.
Check out the great rates that Carlay found in some of the larger Bay State cities:
|City||Average Cost||Annual Savings with Carlay|
- Cost to insure your car in Massachusetts based on the type of car you drive
Your car, along with your driving record, plays a role in determining the rate for your auto insurance. If you own one of the four most popular models of car in Massachusetts—the Accord, Camry, Civic, or Corolla—then by now, you've probably figured out that these cars are some of the least expensive to insure.
Affordable cars cost less to insure, since they are cheaper to fix and replace in case of an accident. If you drive less frequently, your insurance premiums will be lower because you are less likely to have an accident.
In contrast, if you're insuring a more expensive model like an Audi Q5 Premium, your monthly premium will also be higher. Here is a table comparing the cost of insurance for two popular makes and models with and without Carlay:
How to Save Money On Car Insurance in Massachusetts?
No matter where you live in Massachusetts, there are a few easy ways to help reduce the cost of your car insurance. Whether you're a new or experienced driver living in Boston, Worcester, or anywhere in between, you should be able to find affordable car insurance in Massachusetts.
- Shop around for quotes
Getting multiple car insurance quotes before purchasing a policy is the best way to save money on your car insurance. But if you want to save yourself the trouble of filling out online forms and repetitively calling numerous insurance agents, you can obtain a quote for car insurance from Carlay.
Carlay, a licensed broker in all 50 States, works with top insurance companies to find you cheap insurance that meets your needs. Carlay will help you cancel your old policy and then update you with new quotes when your policy comes up for renewal. With this level of service and the continuously-changing insurance landscape, Carlay is the app that makes your life super easy.
- Look for discounts
While shopping for car insurance in Massachusetts, you may be eligible for special discounts. These can reduce the cost of your premium to make it more affordable. As a resident of Massachusetts, you'll have access to a number of discounts.
|Discount||Who is eligible?|
|Good driver discounts||Good driver discounts are for the individuals who have had a valid driver's license for the past three consecutive years, have no more than one point on their driving record and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.|
|Bundling discounts||Insuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.|
|Defensive driver discounts||Most insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums.|
|Payment and billing discounts||Policyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.|
|Good student discounts||Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.|
|Continuous coverage discounts||Many insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.|
- Increase your deductible
If you're a Massachusetts resident and are looking for car insurance, your deductible is one of the most important pieces of information to keep in mind. It's the amount you have to pay before your coverage kicks in to help pay the rest. How much you set your deductible depends on how much you can afford to pay and how often you think you'll need to make a claim.
Registering Your Car in Massachusetts
To register your car in the state of Massachusetts, you'll need to carry these items to your local DMV office:
- Valid driver's license or ID card
- Proof of insurance
- Proof of sales tax payment
- Car title or signed lease agreement
- Proof of a safety inspection
- Certificate of safety inspection and emissions test
To register your vehicle, you'll need to fill out a form and provide personal information. It's a good idea to make an appointment at the DMV for easier service. Once you're there, you can complete the registration form.
Massachusetts drivers must renew their vehicle registrations annually.