Car Insurance in Massachusetts

Massachusetts is raising its state-mandated minimum coverage in July 1, 2025. Find out how this may affect your insurance rates.
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Car Insurance in Massachusetts

Massachusetts minimum auto insurance coverage

On July 1, 2025, Massachusetts raised its mandatory minimum coverage for auto insurance to:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $30,000 in property damage liability.
  • $8,000 in personal injury protection.
  • Uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.

Finally, you’ll also need to have personal injury protecting coverage that covers medical expenses, lost wages and replacement services. When you’re looking at car insurance quotes, you should think about if you simply need cheap car insurance or additional, higher protection limits which will cost more but offer greater coverage. By getting several different quotes from different companies, you’ll be able to get an idea of what the average cost of car insurance will be for you.

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Recent car insurance quotes in Massachusetts

Date of Policy
Insurance Company
Monthly Quote
July 8, 2025 Embark General $694
July 8, 2025 Bristol West $197
July 8, 2025 Bristol West $325
July 8, 2025 Bristol West $411
July 8, 2025 Embark General $425
Last Updated Jul 10, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.
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Annie Millerbernd, Jun 24, 2025