Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Read about our editorial standards here.
Compare Car Insurance Quotes in Massachusetts
Jerry is a free app trusted by 27,347 Massachusetts drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Ben Moore is a writer and editor at Jerry. He previously worked as a writer, editor and content strategist at NerdWallet, and has bylines in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He holds a bachelors degree in marketing from Olivet Nazarene University.
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6 years covering auto insurance
Average Massachusetts car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $381 a month for full coverage. But in Massachusetts, Jerry drivers pay:
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$92 to $220 per month for state-mandated minimum coverage.
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$195 to $402 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Bay Staters save an average of $1,354 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Does it sound too time consuming? Jerry can help! Think us as your proactive assistant. We help you compare offers side-by-side and lock in your Massachusetts car insurance in under 10 minutes directly in the app. The app is free, and we protect your privacy by never selling your info or spamming you with calls. If you ever need extra help, our licensed agents are just a tap away.
Just remember that your final quote will depend on personal factors like your driving record, your type of car and where in Massachusetts you live. Here are some full coverage rates that Jerry drivers in Massachusetts have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Massachusetts homeowners contend with nor’easters, coastal flooding and some of the highest property values in the country, all of which drive up insurance costs. Bundling home and auto insurance is one of the most effective strategies to bring those premiums down.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Massachusetts drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Massachusetts, it pays to see what’s out there.
That matters in Massachusetts, where Boston-area drivers face tight roads, aggressive traffic and higher premiums, while those out in the Berkshires or on the Cape deal with very different driving conditions and costs. The state’s insurance regulations also make the market work a bit differently than in most states, so comparing options is especially worthwhile. Jerry works with Massachusetts drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you find quotes from up to 5 trusted insurers in the Bay State, so you get the full picture of what’s available and how much you should be paying. Here are some of the most recent quotes Jerry has been able to pull for Massachusetts drivers looking for different levels of coverage, and how much each one saved.
Recent quotes in Massachusetts
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Massachusetts car insurance coverage requirements
Massachusetts drivers are required to buy personal property and bodily injury liability insurance, personal injury protection (PIP) and uninsured motorist coverage to legally drive their car. The minimum requirements in this state are:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$30,000 in property damage liability.
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$8,000 in personal injury protection.
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Uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
While this makes you legal to drive, it won’t protect you against many major accidents or damage to your own car. For better protection, many Jerry drivers increase their coverage limits and buy comprehensive and collision coverage. Considering nearly 8% of Massachusetts drivers are uninsured, it might also be a good choice to raise your uninsured/underinsured motorist (UIM) limits.
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Coverage definitions
Factors affecting Massachusetts car insurance rates in 2026
Nor’easters and coastal storms
Nor’easters, ice storms, coastal flooding and hail can all cause sudden damage, including to vehicles that are just parked on the street. We recommend keeping comprehensive coverage, especially if you park outdoors or live in a flood-prone area, because that’s what pays for storm-related damage.
Congested commuter corridors
Heavy traffic on I-93, the Mass Pike and Route 128 makes fender benders and multi-car crashes part of the daily commute. Carry collision coverage so your repairs don’t depend on a fault decision, and consider a telematics program like Jerry DriveShield, so your safer habits can translate into a lower rate.
Uninsured drivers
About 8% of Massachusetts drivers are uninsured, according to the IRC, which is lower than many states but still a real risk. Jerry recommends raising and matching your UM/UIM limits to your liability limits, so you’re covered if the other driver can’t pay.
Modified comparative negligence law
Massachusetts follows a modified comparative negligence rule, meaning you can recover damages as long as you’re not more than 50% at fault. But fault disputes take time. Consider carrying collision coverage so your car gets repaired without waiting on a liability decision.
High repair and labor costs
Repair bills in the Boston metro climb fast due to labor rates, parts pricing and the recalibration that newer vehicles need after even a minor impact. Choose a deductible you can comfortably pay, so a surprise estimate doesn’t keep you from filing a claim you’re entitled to.
Tight parking, theft, and break-ins
Dense neighborhoods and busy commercial areas mean more street parking, more door dings and more exposure to theft and break-ins. Comprehensive coverage is what pays for theft and vandalism. Also keep valuables out of sight, lock up and park in well-lit spots when you can.
Average cost of car insurance in major Massachusetts cities
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City
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Average monthly cost
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|---|
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City
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Average monthly cost
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|---|---|
| $306 | |
| $292 | |
| $417 | |
| $456 | |
| $296 | |
| $266 | |
| $252 | |
| $335 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Massachusetts quotes in as little as 2 minutes.
Learn more about driving in Massachusetts
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Everything you need to know about Massachusetts towing laws.
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How to get a temporary license plate in Massachusetts.
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Understand how no-fault insurance works in Massachusetts.
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Understand the 6 main types of car insurance coverage.
FAQ
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Is Massachusetts an at-fault state?
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What happens if I drive without insurance in Massachusetts?
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Does Massachusetts require uninsured motorist (UM) coverage?
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Can someone else drive my car in Massachusetts?
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.