Good news for Massachusetts drivers: Jerry’s latest data show that liability coverage averages just $507 per month in the Bay State. In the past year, we’ve helped 10,217 Massachusetts residents find cheap car insurance, and drivers who buy with Jerry save an average of $1,082 without missing out on important coverage.
Jerry compares quotes fromtrusted insurance companies in Massachusetts to build a policy and find you the best rate in minutes.
Save on Massachusetts insurance with Jerry.
What Massachusetts drivers are paying right now
Car insurance costs in Massachusetts are always on the move, and two drivers with similar profiles can end up paying very different amounts. Getting a sense of what other Massachusetts drivers pay can help tell you whether your own rate is on track.
Jerry monitors live quotes across the state to give you a clear, up-to-date view of real prices. Here are a few recent examples of drivers who bought full coverage policies in Massachusetts through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a quick check every so often. In Massachusetts, unpredictable weather, dense traffic and even small shifts in your driving profile can nudge your premium up or down by the time renewal comes around.
4 easy ways Jerry helps Massachusetts drivers save on car insurance
If you’re trying to bring down your car insurance costs in Massachusetts, you’re in good company. But the lowest sticker price isn’t always the best deal. The real advantage comes from understanding what’s behind your rate.
Jerry makes that easy by comparing real quotes, uncovering discounts you might not know you qualify for, and showing you exactly where you can save without cutting the coverage you rely on.
Here are our top tips to help you spend less and worry less.
| How to save | Average Massachusetts driver savings |
|---|---|
| Compare quotes | 76% to 96% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 16% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Insurance pricing isn’t one-size-fits-all, and the same coverage can cost dramatically more or less depending on the company. The quickest, most effective way to secure a better rate is to compare quotes side by side, and Jerry makes that effortless.
Here’s where Massachusetts drivers who saved most often switched last year after checking their rates with Jerry:
| Insurance carrier | Massachusetts drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 29% | 31% |
| Root | 10% | 28% |
| Bristol West | 8% | 27% |
| National General | 7% | 30% |
| Assurance America | 6% | 28% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location matters, and even two Massachusetts drivers with the same car and similar driving histories can see very different premiums. Jerry helps you compare those price differences and find coverage that fits your life and your budget, sometimes cutting your costs by nearly a third.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
From bundling home and auto to earning safe-driver rewards, most Massachusetts drivers qualify for multiple discounts. But insurers don’t always apply them on their own.
Jerry identifies every discount you’re eligible for, making sure your savings don’t get overlooked.
Key takeaway: Discounts often mean bigger savings than raising your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Raising your deductible can bring your premium down. Just be sure it’s an amount you could realistically cover out of pocket if you ever need to file a claim.
Here’s what many Jerry drivers in Massachusetts commonly choose for their deductibles:
To find the right deductible for your situation:
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Look at your car’s current value (Jerry updates this for you every month).
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Choose a deductible you could comfortably handle if repairs suddenly came up.
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Compare how each deductible option affects your rate in real time.
The Jerry difference: Jerry shows you instant savings across multiple deductible levels, so you can confidently choose the mix of cost and protection that fits your budget.
Jerry Agent Tip 4: Let your driving score work for you
Telematics programs that track mileage and safe driving habits can help Massachusetts drivers lower their premiums. Many insurers reward things like smooth braking, lighter mileage and safer driving hours.
Jerry’s DriveShield takes those savings a step further. It monitors your driving, scores your habits and automatically shops for lower rates when you qualify. We only share your drive score with insurers if it could earn you a discount. On average, Jerry drivers save between 14% and 26% with DriveShield.
Get personalized car insurance rates now.
How to get better coverage without overpaying
For Massachusetts drivers, choosing the right mix of coverage can save you money over time while still protecting you when it counts. Here are the coverage options available when shopping for the best policy and rate:
Minimum
$92 – $223/mo
Meets Massachusetts’ state-required coverages (including bodily injury liability, property damage liability, PIP and uninsured motorist), but does not cover damage to your own vehicle.
Full
$176 – $414/mo
Adds collision and comprehensive coverage for your car. This protection is often required if your vehicle is leased or financed.
Standard
$192 – $384/mo
Includes uninsured/underinsured motorist coverage and expanded medical payments or PIP.
Preferred
$206 – $449/mo
Offers higher liability limits, lower deductibles and extras like towing and rental reimbursement for more complete protection.
Key takeaway: Start with your comfort level around risk and what your car is worth, then let Jerry show you the real-time cost of each coverage level so you can choose confidently.
The cheapest policy in Massachusetts is liability-only, but a few well-priced add-ons can make a big difference when you actually need them. Here’s a quick look at what each coverage tier provides.
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Coverage definitions
Massachusetts insurance factors at a glance
From harsh winters to dense commuter traffic, where and how you drive in Massachusetts has a big impact on what you pay for car insurance. Here’s what matters most and how to stay protected.
Severe weather
Nor’easters, ice storms, coastal flooding and hail can all cause sudden damage, so comprehensive coverage is often worth keeping,
Heavy traffic
Congested routes like I-93 and the Mass Pike increase collision risk. Safe driving and telematics tools like Jerry DriveShield can help keep costs in check.
Uninsured drivers
About 8% of Massachusetts drivers are uninsured, so match your uninsured and underinsured motorist limits to your liability coverage.
Comparative negligence law
You can recover damages if you’re not more than 50% at fault. Collision coverage protects your car regardless of who’s blamed.
Massachusetts Insurance After a Ticket, Accident or SR-22
One slip-up shouldn’t dictate what you pay for years. And with Jerry, it doesn’t.
Even if your driving record isn’t spotless, you can still secure a strong rate. Jerry partners with top insurers that take a more flexible approach to past tickets or claims, and we automatically re-shop your policy as your record improves.
If you got a ticket
A minor speeding ticket in Massachusetts adds two points to your driving record, and too many within three years can lead to surcharges or license penalties. It’s even worse with violations like running a red light, failing to yield or distracted driving.
Beyond the points, even one ticket can raise your premium by 15% to 30%, and the effects can linger for years, so avoiding citations is the most reliable way to keep costs down. If you do get one, a state-approved defensive driving course can sometimes dismiss the ticket, reduce the surcharge or even lower your premium.
Once you’re signed up in the Jerry app, we’ll monitor your driving record and automatically shop for better rates as soon as your violation clears. So you never pay more than necessary.
The average rate increases we’ve seen for Massachusetts drivers after a ticket are:
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Speeding under 15: 6%
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Speeding over 15: 0%
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Failure to obey traffic sign: 22%
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Reckless driving: 0%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash means three or four more points on your driving record. It also raises premiums for Massachusetts drivers by an average of 6%, and those higher rates can stick around for three to five years.
Jerry helps you lock in the best available rate right away so you’re not overpaying. We also automatically re-shop your coverage once the accident comes off your record.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $452 |
| At Fault With No Injury | $554 |
| At Fault With Injury | $610 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
There’s no sugarcoating it: A DUI will push your insurance rates up, and you can expect those higher premiums to stick around for three to five years. In Massachusetts, drivers typically see their rates climb by about 29% after a DUI conviction.
Still, that doesn’t mean you’re stuck paying top dollar. Jerry connects you with insurers that take a more balanced approach to high-risk drivers, offering solid coverage at fair prices. And as time passes and your record improves, Jerry automatically re-shops your policy so you can start saving again the moment you qualify.
Here are the five most competitive carriers for Massachusetts drivers after a DUI conviction:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $160 | Yes | |
| $363 | Yes | |
| $508 | Yes | |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Massachusetts
In Massachusetts, an SR-22 certificate may be required if you’re convicted of certain violations, experience a lapse in coverage or are involved in an accident while uninsured.
If you need one, simply check the SR-22 option in the Jerry app. We’ll show you only insurers that handle the filing. Some carriers charge a small fee to submit the SR-22 for you, typically around $25 per year.
Car Insurance with Bad Credit
Credit scores play a major role in car insurance pricing in many states, but not in Massachusetts. Here, insurers are barred from using credit history to set your rate.
Your premium is still driven by factors like your driving record, location, vehicle and coverage choices, just your credit.
Even so, keeping continuous coverage and checking quotes regularly can help you avoid avoidable price bumps, and Jerry makes that part effortless.
Drive with confidence
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Massachusetts’s blend of harsh winters, dense traffic and busy commuter corridors means there’s no one-size-fits-all insurance plan. The goal is to find coverage that fits the way you actually drive and not just your budget. Jerry makes that simple, connecting you with strong, affordable policies tailored to your real day-to-day needs.
Get Massachusetts coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
