Compare car insurance quotes in Massachusetts
Jerry is a free app trusted by 26,778 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.
Average Massachusetts car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $382 a month for full coverage. But in Massachusetts, Jerry drivers pay:
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$92 to $216 per month for state-mandated minimum coverage.
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$192 to $402 per month for full coverage.
Spending a few minutes comparing quotes can pay off fast. Over the last 12 months, Jerry has helped Bay Staters save an average of $1,374 per year on coverage just by comparing their options.
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.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. 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
One of the best ways to save on home insurance in Massachusetts is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle 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 insurance companies is the easiest way to find your best coverage. Whether you’re building a unique policy, matching your current coverage, or just choosing the cheapest car insurance in Massachusetts, shopping around helps you find the right fit.
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,” though, 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 storm damage
Nor’easters, ice storms, coastal flooding, and hail can all cause sudden damage, including to parked vehicles. Comprehensive coverage is often worth keeping, especially if you park outdoors or live in a flood-prone area.
Congested commuter corridors
Heavy traffic on routes like I-93 and the Mass Pike increases the odds of fender benders and multi-car accidents. Safe driving helps, and telematics tools like Jerry DriveShield can reward lower-risk habits over time.
Uninsured drivers
About 8% of Massachusetts drivers are uninsured. UM/UIM coverage can help protect you if the other driver can’t pay, and matching those limits to your liability limits is a strong baseline.
Modified comparative negligence
In Massachusetts, you can recover damages as long as you’re not more than 50% at fault. Collision coverage still matters because it helps repair your car regardless of how fault is assigned.
Higher repair and labor costs
Repairs can get expensive fast in metro areas due to labor rates, parts pricing, and the added work required on newer vehicles (including recalibration after an impact). Choosing a deductible you can comfortably pay helps keep your coverage usable when a “small” crash turns into a big bill.
Tight parking, theft, and break-in exposure
Dense neighborhoods and busy commercial areas mean more street parking, more minor impacts, and more opportunities for theft or break-ins. Comprehensive coverage typically applies to theft and vandalism, and basic habits like keeping valuables out of sight can reduce your risk.
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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City
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Average monthly cost
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|---|---|
| $304 | |
| $292 | |
| $409 | |
| $452 | |
| $293 | |
| $265 | |
| $249 | |
| $338 |
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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Learn about personal injury protection (PIP) insurance.
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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?
