Massachusetts isn't in Insurify's current free data set, so this average is a representative estimate (not sourced). See
methodology.
The one thing that sets Massachusetts apart
No credit-based rating; managed-competition history keeps rates moderate.
Minimum vs. full coverage in Massachusetts
What each coverage level costs on the Massachusetts average — so you can see what "going minimum" really saves, and risks.
| Coverage level | Est. / year | Est. / month |
|---|
| Minimum | $620 | $52 |
| Liability Only | $950 | $79 |
| Full | $1,720 | $143 |
| Full Low Deductible | $2,100 | $175 |
Minimum coverage saves about $1,100/yr vs full — but caps protection at 20/40/5. One at-fault crash above those limits and the gap is yours.
Massachusetts car insurance FAQ
- What's the minimum car insurance required in Massachusetts?
- Massachusetts's state minimum is 20/40/5 — $20k bodily injury per person, $40k per accident, $5k property damage. Minimum-only runs about $620/yr but leaves you exposed above those caps.
- How much is full coverage in Massachusetts?
- Representative full coverage averages $1,720/yr (about $143/mo), ranking Massachusetts #16 of 51 states for cost.
- Why is Massachusetts car insurance priced the way it is?
- No credit-based rating; managed-competition history keeps rates moderate.