Massachusetts Auto Insurance Quotes

Massachusetts auto insurance You’re in luck if you are looking for fair auto insurance rates for Massachusetts. The state started managing competition between auto insurance companies in April 2008. Since then, drivers in the state have saved millions in insurance costs.

The state also has a Consumer Bill of Rights for Automobile Insurance. This bill of rights spells out all your rights when shopping for insurance in the state. It says that you cannot be turned down for insurance for discriminatory reasons and that a company has to explain its reasoning if they refuse coverage.

Under the bill of rights, you can buy the minimum auto insurance required in the state. It also says that agents have to offer you the minimum coverage of:

  • $20,000 per person, $40,000 per accident bodily injury.
  • $20,000 per person, $40,000 per accident bodily injury by an uninsured vehicle.
  • $8,000 personal injury protection per person for each accident.
  • $5,000 property damage liability for each accident.

You are still able to buy supplemental insurance for things like medical payments, but it does pay to shop around.

The Managed Competition Massachusetts Auto Insurance System

The state's managed competition system keeps insurance rates down. Keep in mind that your rates vary based on your driving record, where you live, and other rating factors approved by the Commissioner. This is why it's important to maintain a good driving record.

In addition, you should shop around for the best policy for your needs. Many companies offer discounts and some of the discounts are required under state law. This includes discounts for passive restraint systems, anti-theft devices, and drivers who are 65 years old and older. Some companies also offer discounts for:

  • Members of a group program.
  • People who take advanced driver training courses.
  • Multi-vehicle policies.

The best thing to do is compare rates and discounts offered by several different companies. This will help you figure out which discounts you may qualify for.

Sample of Annual Massachusetts Auto Insurance Rates

Plymouth Auto Insurance

Plymouth is nicknamed "America's Hometown." It was founded by the pilgrims who came over on the Mayflower, and is the site of the first Thanksgiving in 1621. The town has a population of about 58,000 people.

U.S. Route 44 runs west past Middleborough and Taunton on the way to Providence, R.I. Massachusetts State Route 3, also known as Pilgrims Highway, runs north, where it connects with Interstate 93 on the way to Boston. Massachusetts State Route 25 runs west into Interstate 495.

City Single Married
Low High Low High
Plymouth $661.00 $1,855.00 $661.00 $1,855.00

Edgartown Auto Insurance

Edgartown is located on the island of Martha's Vineyard. The town has a population of more than 4,000 people. It is situated near Nantucket and Cape Cod, and relies on tourism.

Edgartown Road runs west into Martha's Vineyard. Atlantic Drive runs along South Beach State Park. Water Street leads to the Lighthouse Beach.

City Single Married
Low High Low High
Edgartown $457.00 $1,376.00 $457.00 $1,376.00

Boston Auto Insurance

Boston is the Massachusetts state capital. It is the largest city in the state with a population of more than 667,000 people. Boston is known as "Beantown." General Electric is headquartered in Boston.

From Boston, Interstate 90 runs west toward Chicago. Interstate 95 loops around the outskirts of Boston, running north into Maine, and south toward New York City. Interstate 93 connects Boston with Manchester, N.H., to the north.

City Single Married
Low High Low High
Boston $786.00 $2,602.00 $786.00 $2,602.00

Barnstable Auto Insurance

Barnstable is situated on Cape Cod, near popular tourist destinations like Martha's Vineyard and Nantucket. The town has a connection to former President John F. Kennedy. It has a population of more than 44,000 people.

U.S. Route 6 is the main highway on and off the peninsula, connecting Barnstable with Providence, R.I., and Hartford, Conn., to the west. Massachusetts State Route 28 runs west toward Falmouth.

City Single Married
Low High Low High
Barnstable $581.00 $1,713.00 $581.00 $1,713.00

Middleborough Auto Insurance

Middleborough has a population of more than 23,000 people. Ocean Spray is headquartered in Middleborough, giving rise to the town's nickname: "The Cranberry Capital of the World." Middleborough is known for its profanity ban.

From Middleborough, U.S. Route 44 runs east toward Plymouth, and west past Taunton in the direction of Providence, R.I. Interstate 495 runs north toward Lowell, and southeast toward the ocean. Massachusetts State Route 79 runs southwest toward Fall River.

City Single Married
Low High Low High
Middleboro $786.00 $1,783.00 $786.00 $1,783.00

Falmouth Auto Insurance

Falmouth is located on Cape Cod, not too far from Martha's Vineyard and Nantucket. Katharine Lee Bates, the woman who wrote the song "America the Beautiful," was born here. Falmouth has a population of more than 31,000 people.

From Falmouth, Massachusetts State Route 28 runs north toward Old Silver Beach, and east toward Barnstable. A ferry connects Falmouth with Martha's Vineyard to the south.

City Single Married
Low High Low High
Falmouth $564.00 $1,624.00 $564.00 $1,624.00

Taunton Auto Insurance

Taunton has a population of more than 56,000 people. Taunton once played a big role in the silver industry. It is known locally as "Christmas City."

Interstate 495 cuts through Taunton, running north through Lowell, and southeast toward the Atlantic coast. U.S. Route 44 runs west toward Providence, R.I. Massachusetts State Route 140 runs south toward New Bedford.

City Single Married
Low High Low High
Taunton $695.00 $2,002.00 $695.00 $2,002.00

Williamstown Auto Insurance

Williamstown lies along the Massachusetts borders with New York and Vermont. The town has a population of more than 7,700 people. Williamstown hosts Williams College.

U.S. Route 7 runs north toward Canada, and south through Pittsfield and Great Barrington. Massachusetts State Route 43 runs south toward Hancock, where it crosses into New York. Massachusetts State Route 2 runs east toward Westminster, and west into New York.

City Single Married
Low High Low High
Williamstown $450.00 $1,376.00 $450.00 $1,376.00

Wareham Auto Insurance

Wareham has a population of more than 21,000 people. The town is a popular spot for cranberries. The world's largest cranberry producer, A.D. Makepeace Company, is based here, along with the Cranberry Research Station at the University of Massachusetts.

Interstate 195 begins in Wareham and runs west toward Providence, R.I. U.S. Route 6 also travels west toward Providence, R.I., continuing on to Hartford, Conn. Interstate 495 travels north, bypassing around Boston.

City Single Married
Low High Low High
Wareham $650.00 $1,908.00 $650.00 $1,908.00

Great Barrington Auto Insurance

Great Barrington has a population of more than 7,100 people. It is situated near the Massachusetts borders with Connecticut and New York. In Great Barrington, tourists and residents can use a local currency known as BerkShare notes to buy and sell goods and services.

Just outside Great Barrington, Interstate 90 runs northwest toward Albany, and east through Springfield. U.S. Route 7 runs north on the way to Canada, and south toward Danbury, Conn. Massachusetts State Route 23 runs west into New York, and east in the direction of Springfield. Massachusetts State Route 41 runs south into Connecticut.

City Single Married
Low High Low High
Great Barrington $500.00 $1,376.00 $500.00 $1,376.00

City Single Married
Low High Low High
Abington $679.00 $1,908.00 $679.00 $1,908.00
Acton $537.00 $1,376.00 $537.00 $1,376.00
Acushnet $636.00 $1,855.00 $636.00 $1,855.00
Adams $463.00 $1,376.00 $463.00 $1,376.00
Agawam $652.00 $1,855.00 $652.00 $1,855.00
Allston $786.00 $2,405.00 $786.00 $2,405.00
Amesbury Town $786.00 $1,546.00 $786.00 $1,546.00
Amherst $567.00 $1,713.00 $567.00 $1,713.00
Andover $548.00 $1,624.00 $548.00 $1,624.00
Arlington $577.00 $1,697.00 $577.00 $1,697.00
Ashburnham $533.00 $1,517.00 $533.00 $1,517.00
Ashby $528.00 $1,517.00 $528.00 $1,517.00
Ashfield $457.00 $1,376.00 $457.00 $1,376.00
Ashland $642.00 $1,713.00 $642.00 $1,713.00
Ashley Falls $786.00 $1,546.00 $786.00 $1,546.00
Assonet $786.00 $1,713.00 $786.00 $1,713.00
Athol $548.00 $1,624.00 $548.00 $1,624.00
Attleboro $594.00 $1,713.00 $594.00 $1,713.00
Attleboro Falls $786.00 $1,624.00 $786.00 $1,624.00
Auburn $606.00 $1,783.00 $606.00 $1,783.00
Auburndale $786.00 $1,783.00 $786.00 $1,783.00
Avon $737.00 $2,003.00 $737.00 $2,003.00
Ayer $543.00 $1,624.00 $543.00 $1,624.00
Baldwinville $786.00 $1,376.00 $786.00 $1,376.00
Barnstable $581.00 $1,713.00 $581.00 $1,713.00
Barre $537.00 $1,546.00 $537.00 $1,546.00
Becket $515.00 $1,546.00 $515.00 $1,546.00
Bedford $546.00 $1,546.00 $546.00 $1,546.00
Belchertown $540.00 $1,624.00 $540.00 $1,624.00
Bellingham $561.00 $1,624.00 $561.00 $1,624.00
Belmont $582.00 $1,624.00 $582.00 $1,624.00
Berkley $642.00 $1,783.00 $642.00 $1,783.00
Berkshire $786.00 $1,376.00 $786.00 $1,376.00
Berlin $515.00 $1,376.00 $515.00 $1,376.00
Bernardston $443.00 $1,376.00 $443.00 $1,376.00
Beverly $586.00 $1,713.00 $586.00 $1,713.00
Billerica $592.00 $1,697.00 $592.00 $1,697.00
Blackstone $555.00 $1,546.00 $555.00 $1,546.00
Blandford $529.00 $1,624.00 $529.00 $1,624.00
Bolton $540.00 $1,517.00 $540.00 $1,517.00
Boston $786.00 $2,602.00 $786.00 $2,602.00
Boxborough $514.00 $1,376.00 $514.00 $1,376.00
Boxford $560.00 $1,624.00 $560.00 $1,624.00
Boylston $550.00 $1,546.00 $550.00 $1,546.00
Braintree Town $786.00 $2,003.00 $786.00 $2,003.00
Brewster $457.00 $1,376.00 $457.00 $1,376.00
Bridgewater $637.00 $1,783.00 $637.00 $1,783.00
Brighton $738.00 $2,405.00 $738.00 $2,405.00
Brimfield $540.00 $1,624.00 $540.00 $1,624.00
Brockton $963.00 $3,021.00 $963.00 $3,021.00
Brookfield $540.00 $1,624.00 $540.00 $1,624.00
Brookline $670.00 $1,908.00 $670.00 $1,908.00
Buckland $464.00 $1,376.00 $464.00 $1,376.00
Burlington $615.00 $1,697.00 $615.00 $1,697.00
Buzzards Bay $786.00 $1,697.00 $786.00 $1,697.00
Byfield $786.00 $1,517.00 $786.00 $1,517.00
Cambridge $664.00 $2,003.00 $664.00 $2,003.00
Canton $706.00 $1,908.00 $706.00 $1,908.00
Carlisle $485.00 $1,376.00 $485.00 $1,376.00
Carver $637.00 $1,855.00 $637.00 $1,855.00
Cataumet $786.00 $1,697.00 $786.00 $1,697.00
Centerville $786.00 $1,713.00 $786.00 $1,713.00
Charlemont $457.00 $1,376.00 $457.00 $1,376.00
Charlestown $786.00 $3,101.00 $786.00 $3,101.00
Charlton $577.00 $1,697.00 $577.00 $1,697.00
Chatham $436.00 $1,376.00 $436.00 $1,376.00
Chelmsford $517.00 $1,546.00 $517.00 $1,546.00
Chelsea $1,075.00 $3,343.00 $1,075.00 $3,343.00
Cherry Valley $786.00 $1,855.00 $786.00 $1,855.00
Cheshire $485.00 $1,376.00 $485.00 $1,376.00
Chester $511.00 $1,517.00 $511.00 $1,517.00
Chesterfield $485.00 $1,376.00 $485.00 $1,376.00
Chestnut Hill $786.00 $1,855.00 $786.00 $1,855.00
Chicopee $671.00 $2,002.00 $671.00 $2,002.00
Chilmark $443.00 $1,376.00 $443.00 $1,376.00
Clinton $586.00 $1,783.00 $586.00 $1,783.00
Cohasset $617.00 $1,697.00 $617.00 $1,697.00
Colrain $491.00 $1,517.00 $491.00 $1,517.00
Concord $468.00 $1,376.00 $468.00 $1,376.00
Conway $486.00 $1,376.00 $486.00 $1,376.00
Cotuit $786.00 $1,713.00 $786.00 $1,713.00
Cummaquid $786.00 $1,624.00 $786.00 $1,624.00
Cummington $464.00 $1,376.00 $464.00 $1,376.00
Cuttyhunk $786.00 $1,400.00 $786.00 $1,400.00
Dalton $511.00 $1,376.00 $511.00 $1,376.00
Danvers $606.00 $1,713.00 $606.00 $1,713.00
Dedham $683.00 $1,908.00 $683.00 $1,908.00
Deerfield $486.00 $1,376.00 $486.00 $1,376.00
Dennis $540.00 $1,624.00 $540.00 $1,624.00
Dennis Port $786.00 $1,624.00 $786.00 $1,624.00
Devens $786.00 $1,624.00 $786.00 $1,624.00
Dighton $596.00 $1,713.00 $596.00 $1,713.00
Dorchester $1,119.00 $4,053.00 $1,119.00 $4,053.00
Dorchester Center $769.00 $3,620.00 $769.00 $3,620.00
Douglas $526.00 $1,546.00 $526.00 $1,546.00
Dover $552.00 $1,546.00 $552.00 $1,546.00
Dracut $630.00 $1,783.00 $630.00 $1,783.00
Drury $786.00 $1,376.00 $786.00 $1,376.00
Dudley $603.00 $1,624.00 $603.00 $1,624.00
Dunstable $499.00 $1,517.00 $499.00 $1,517.00
Duxbury $596.00 $1,624.00 $596.00 $1,624.00
East Bridgewater $642.00 $1,783.00 $642.00 $1,783.00
East Brookfield $538.00 $1,546.00 $538.00 $1,546.00
East Dennis $786.00 $1,376.00 $786.00 $1,376.00
East Falmouth $786.00 $1,624.00 $786.00 $1,624.00
East Freetown $786.00 $1,961.00 $786.00 $1,961.00
East Longmeadow $628.00 $1,783.00 $628.00 $1,783.00
East Orleans $786.00 $1,376.00 $786.00 $1,376.00
East Otis $786.00 $1,546.00 $786.00 $1,546.00
East Sandwich $786.00 $1,624.00 $786.00 $1,624.00
East Taunton $786.00 $2,002.00 $786.00 $2,002.00
East Walpole $786.00 $1,697.00 $786.00 $1,697.00
East Wareham $786.00 $1,908.00 $786.00 $1,908.00
East Weymouth $786.00 $2,002.00 $786.00 $2,002.00
Eastham $440.00 $1,376.00 $440.00 $1,376.00
Easthampton $546.00 $1,376.00 $546.00 $1,376.00
Edgartown $457.00 $1,376.00 $457.00 $1,376.00
Erving $457.00 $1,376.00 $457.00 $1,376.00
Essex $537.00 $1,546.00 $537.00 $1,546.00
Everett $967.00 $2,740.00 $967.00 $2,740.00
Fairhaven $630.00 $1,855.00 $630.00 $1,855.00
Fall River $758.00 $2,411.00 $758.00 $2,411.00
Falmouth $564.00 $1,624.00 $564.00 $1,624.00
Fayville $786.00 $1,376.00 $786.00 $1,376.00
Feeding Hills $786.00 $2,601.00 $786.00 $2,601.00
Fiskdale $786.00 $1,517.00 $786.00 $1,517.00
Fitchburg $623.00 $1,855.00 $623.00 $1,855.00
Florence $786.00 $1,624.00 $786.00 $1,624.00
Forestdale $786.00 $1,624.00 $786.00 $1,624.00
Foxborough $594.00 $1,624.00 $594.00 $1,624.00
Framingham $649.00 $2,002.00 $649.00 $2,002.00
Franklin $503.00 $1,517.00 $503.00 $1,517.00
Gardner $558.00 $1,624.00 $558.00 $1,624.00
Georgetown $523.00 $1,624.00 $523.00 $1,624.00
Gilbertville $786.00 $1,517.00 $786.00 $1,517.00
Gill $438.00 $1,376.00 $438.00 $1,376.00
Gloucester $577.00 $1,713.00 $577.00 $1,713.00
Goshen $490.00 $1,376.00 $490.00 $1,376.00
Grafton $569.00 $1,624.00 $569.00 $1,624.00
Granby $557.00 $1,697.00 $557.00 $1,697.00
Granville $550.00 $1,546.00 $550.00 $1,546.00
Great Barrington $500.00 $1,376.00 $500.00 $1,376.00
Greenfield Town $786.00 $1,376.00 $786.00 $1,376.00
Groton $488.00 $1,376.00 $488.00 $1,376.00
Groveland $545.00 $1,624.00 $545.00 $1,624.00
Hadley $515.00 $1,376.00 $515.00 $1,376.00
Halifax $617.00 $1,713.00 $617.00 $1,713.00
Hampden $619.00 $1,713.00 $619.00 $1,713.00
Hanover $615.00 $1,697.00 $615.00 $1,697.00
Hanscom Afb $786.00 $1,517.00 $786.00 $1,517.00
Hanson $619.00 $1,713.00 $619.00 $1,713.00
Harvard $487.00 $1,376.00 $487.00 $1,376.00
Harwich $786.00 $1,517.00 $786.00 $1,517.00
Harwich Port $786.00 $1,517.00 $786.00 $1,517.00
Hatfield $485.00 $1,376.00 $485.00 $1,376.00
Haverhill $651.00 $1,908.00 $651.00 $1,908.00
Haydenville $786.00 $1,376.00 $786.00 $1,376.00
Heath $499.00 $1,376.00 $499.00 $1,376.00
Hingham $584.00 $1,697.00 $584.00 $1,697.00
Hinsdale $505.00 $1,546.00 $505.00 $1,546.00
Holbrook $764.00 $2,003.00 $764.00 $2,003.00
Holden $576.00 $1,624.00 $576.00 $1,624.00
Holland $530.00 $1,517.00 $530.00 $1,517.00
Holliston $557.00 $1,546.00 $557.00 $1,546.00
Holyoke $658.00 $2,149.00 $658.00 $2,149.00
Hopedale $558.00 $1,546.00 $558.00 $1,546.00
Hopkinton $534.00 $1,376.00 $534.00 $1,376.00
Housatonic $786.00 $1,517.00 $786.00 $1,517.00
Hubbardston $524.00 $1,517.00 $524.00 $1,517.00
Hudson $546.00 $1,624.00 $546.00 $1,624.00
Hull $675.00 $2,002.00 $675.00 $2,002.00
Humarock $786.00 $1,624.00 $786.00 $1,624.00
Huntington $540.00 $1,546.00 $540.00 $1,546.00
Hyannis $786.00 $1,713.00 $786.00 $1,713.00
Hyannis Port $786.00 $1,517.00 $786.00 $1,517.00
Hyde Park $896.00 $3,091.00 $896.00 $3,091.00
Indian Orchard $786.00 $2,601.00 $786.00 $2,601.00
Ipswich $537.00 $1,546.00 $537.00 $1,546.00
Jamaica Plain $863.00 $2,619.00 $863.00 $2,619.00
Jefferson $786.00 $1,376.00 $786.00 $1,376.00
Kingston $577.00 $1,697.00 $577.00 $1,697.00
Lakeville $602.00 $1,713.00 $602.00 $1,713.00
Lancaster $533.00 $1,546.00 $533.00 $1,546.00
Lanesboro $786.00 $1,517.00 $786.00 $1,517.00
Lawrence $824.00 $2,570.00 $824.00 $2,570.00
Lee $488.00 $1,376.00 $488.00 $1,376.00
Leeds $786.00 $1,624.00 $786.00 $1,624.00
Leicester $656.00 $1,855.00 $656.00 $1,855.00
Lenox $497.00 $1,376.00 $497.00 $1,376.00
Leominster $586.00 $1,713.00 $586.00 $1,713.00
Leverett $492.00 $1,517.00 $492.00 $1,517.00
Lexington $550.00 $1,546.00 $550.00 $1,546.00
Lincoln $543.00 $1,517.00 $543.00 $1,517.00
Littleton $485.00 $1,376.00 $485.00 $1,376.00
Longmeadow $586.00 $1,697.00 $586.00 $1,697.00
Lowell $703.00 $2,113.00 $703.00 $2,113.00
Ludlow $619.00 $1,855.00 $619.00 $1,855.00
Lunenburg $533.00 $1,517.00 $533.00 $1,517.00
Lynn $864.00 $2,814.00 $864.00 $2,814.00
Lynnfield $664.00 $1,855.00 $664.00 $1,855.00
Malden $910.00 $2,740.00 $910.00 $2,740.00
Manchester By The Sea $786.00 $1,546.00 $786.00 $1,546.00
Mansfield $572.00 $1,624.00 $572.00 $1,624.00
Marblehead $577.00 $1,697.00 $577.00 $1,697.00
Marion $551.00 $1,624.00 $551.00 $1,624.00
Marlborough $583.00 $1,713.00 $583.00 $1,713.00
Marshfield $646.00 $1,855.00 $646.00 $1,855.00
Marstons Mills $786.00 $1,713.00 $786.00 $1,713.00
Mashpee $565.00 $1,713.00 $565.00 $1,713.00
Mattapan $769.00 $3,620.00 $769.00 $3,620.00
Mattapoisett $549.00 $1,624.00 $549.00 $1,624.00
Maynard $504.00 $1,376.00 $504.00 $1,376.00
Medfield $544.00 $1,376.00 $544.00 $1,376.00
Medford $766.00 $2,186.00 $766.00 $2,186.00
Medway $542.00 $1,376.00 $542.00 $1,376.00
Melrose $673.00 $1,783.00 $673.00 $1,783.00
Mendon $532.00 $1,376.00 $532.00 $1,376.00
Merrimac $540.00 $1,624.00 $540.00 $1,624.00
Methuen Town $786.00 $1,933.00 $786.00 $1,933.00
Middleboro $786.00 $1,783.00 $786.00 $1,783.00
Middlefield $512.00 $1,517.00 $512.00 $1,517.00
Middleton $614.00 $1,783.00 $614.00 $1,783.00
Milford $587.00 $1,713.00 $587.00 $1,713.00
Mill River $786.00 $1,376.00 $786.00 $1,376.00
Millbury $577.00 $1,697.00 $577.00 $1,697.00
Millers Falls $769.00 $1,376.00 $769.00 $1,376.00
Millis $532.00 $1,376.00 $532.00 $1,376.00
Millville $542.00 $1,517.00 $542.00 $1,517.00
Milton $716.00 $2,003.00 $716.00 $2,003.00
Monroe Bridge $786.00 $1,517.00 $786.00 $1,517.00
Monson $560.00 $1,624.00 $560.00 $1,624.00
Montague $486.00 $1,376.00 $486.00 $1,376.00
Monterey $483.00 $1,376.00 $483.00 $1,376.00
Nahant $682.00 $1,908.00 $682.00 $1,908.00
Nantucket $443.00 $1,376.00 $443.00 $1,376.00
Natick $558.00 $1,631.00 $558.00 $1,631.00
Needham $548.00 $1,546.00 $548.00 $1,546.00
Needham Heights $786.00 $1,546.00 $786.00 $1,546.00
New Bedford $749.00 $2,411.00 $749.00 $2,411.00
New Braintree $515.00 $1,376.00 $515.00 $1,376.00
New Salem $484.00 $1,376.00 $484.00 $1,376.00
Newbury $504.00 $1,517.00 $504.00 $1,517.00
Newburyport $498.00 $1,517.00 $498.00 $1,517.00
Newton $639.00 $1,783.00 $639.00 $1,783.00
Newton Center $786.00 $1,783.00 $786.00 $1,783.00
Newton Highlands $786.00 $1,783.00 $786.00 $1,783.00
Newton Lower Falls $786.00 $1,783.00 $786.00 $1,783.00
Newton Upper Falls $786.00 $1,783.00 $786.00 $1,783.00
Newtonville $786.00 $1,783.00 $786.00 $1,783.00
Norfolk $546.00 $1,517.00 $546.00 $1,517.00
North Adams $517.00 $1,376.00 $517.00 $1,376.00
North Andover $584.00 $1,624.00 $584.00 $1,624.00
North Attleboro $786.00 $1,624.00 $786.00 $1,624.00
North Billerica $786.00 $1,713.00 $786.00 $1,713.00
North Brookfield $535.00 $1,624.00 $535.00 $1,624.00
North Chatham $786.00 $1,376.00 $786.00 $1,376.00
North Chelmsford $769.00 $1,854.00 $769.00 $1,854.00
North Dartmouth $786.00 $2,411.00 $786.00 $2,411.00
North Dighton $786.00 $1,713.00 $786.00 $1,713.00
North Easton $786.00 $1,855.00 $786.00 $1,855.00
North Falmouth $786.00 $1,624.00 $786.00 $1,624.00
North Grafton $786.00 $1,961.00 $786.00 $1,961.00
North Oxford $786.00 $1,713.00 $786.00 $1,713.00
North Reading $581.00 $1,713.00 $581.00 $1,713.00
North Truro $786.00 $1,517.00 $786.00 $1,517.00
North Weymouth $786.00 $2,002.00 $786.00 $2,002.00
Northampton $543.00 $1,624.00 $543.00 $1,624.00
Northborough $536.00 $1,376.00 $536.00 $1,376.00
Northbridge $574.00 $1,624.00 $574.00 $1,624.00
Northfield $443.00 $1,376.00 $443.00 $1,376.00
Norton $614.00 $1,713.00 $614.00 $1,713.00
Norwell $593.00 $1,624.00 $593.00 $1,624.00
Norwood $652.00 $1,855.00 $652.00 $1,855.00
Oak Bluffs $440.00 $1,376.00 $440.00 $1,376.00
Oakham $560.00 $1,517.00 $560.00 $1,517.00
Onset $786.00 $1,624.00 $786.00 $1,624.00
Orange $526.00 $1,546.00 $526.00 $1,546.00
Orleans $449.00 $1,376.00 $449.00 $1,376.00
Osterville $786.00 $1,713.00 $786.00 $1,713.00
Otis $510.00 $1,376.00 $510.00 $1,376.00
Oxford $580.00 $1,713.00 $580.00 $1,713.00
Palmer $549.00 $1,697.00 $549.00 $1,697.00
Paxton $577.00 $1,713.00 $577.00 $1,713.00
Peabody $710.00 $1,933.00 $710.00 $1,933.00
Pembroke $634.00 $1,783.00 $634.00 $1,783.00
Pepperell $496.00 $1,376.00 $496.00 $1,376.00
Petersham $485.00 $1,376.00 $485.00 $1,376.00
Pittsfield $546.00 $1,517.00 $546.00 $1,517.00
Plainfield $492.00 $1,376.00 $492.00 $1,376.00
Plainville $568.00 $1,697.00 $568.00 $1,697.00
Plymouth $661.00 $1,855.00 $661.00 $1,855.00
Plympton $624.00 $1,783.00 $624.00 $1,783.00
Pocasset $786.00 $1,697.00 $786.00 $1,697.00
Princeton $487.00 $1,376.00 $487.00 $1,376.00
Provincetown $493.00 $1,376.00 $493.00 $1,376.00
Quincy $765.00 $2,186.00 $765.00 $2,186.00
Randolph $876.00 $2,740.00 $876.00 $2,740.00
Raynham $644.00 $1,783.00 $644.00 $1,783.00
Reading $610.00 $1,624.00 $610.00 $1,624.00
Rehoboth $591.00 $1,697.00 $591.00 $1,697.00
Revere $981.00 $3,312.00 $981.00 $3,312.00
Richmond $786.00 $1,376.00 $786.00 $1,376.00
Rochdale $786.00 $1,855.00 $786.00 $1,855.00
Rochester $560.00 $1,624.00 $560.00 $1,624.00
Rockland $701.00 $2,002.00 $701.00 $2,002.00
Rockport $540.00 $1,546.00 $540.00 $1,546.00
Roslindale $886.00 $2,781.00 $886.00 $2,781.00
Rowe $442.00 $1,376.00 $442.00 $1,376.00
Rowley $540.00 $1,624.00 $540.00 $1,624.00
Roxbury $1,243.00 $4,053.00 $1,243.00 $4,053.00
Roxbury Crossing $769.00 $4,053.00 $769.00 $4,053.00
Royalston $507.00 $1,517.00 $507.00 $1,517.00
Russell $547.00 $1,624.00 $547.00 $1,624.00
Rutland $607.00 $1,624.00 $607.00 $1,624.00
Sagamore Beach $786.00 $1,697.00 $786.00 $1,697.00
Salem $721.00 $2,186.00 $721.00 $2,186.00
Salisbury $546.00 $1,713.00 $546.00 $1,713.00
Sandisfield $503.00 $1,376.00 $503.00 $1,376.00
Sandwich $540.00 $1,624.00 $540.00 $1,624.00
Saugus $776.00 $2,186.00 $776.00 $2,186.00
Savoy $451.00 $1,376.00 $451.00 $1,376.00
Scituate $631.00 $1,783.00 $631.00 $1,783.00
Seekonk $571.00 $1,697.00 $571.00 $1,697.00
Sharon $657.00 $1,783.00 $657.00 $1,783.00
Sheffield $494.00 $1,376.00 $494.00 $1,376.00
Shelburne Falls $786.00 $1,376.00 $786.00 $1,376.00
Sherborn $558.00 $1,517.00 $558.00 $1,517.00
Shirley $507.00 $1,546.00 $507.00 $1,546.00
Shrewsbury $619.00 $1,713.00 $619.00 $1,713.00
Shutesbury $521.00 $1,546.00 $521.00 $1,546.00
Siasconset $756.00 $1,376.00 $756.00 $1,376.00
Somerset $590.00 $1,783.00 $590.00 $1,783.00
Somerville $747.00 $2,186.00 $747.00 $2,186.00
South Chatham $786.00 $1,376.00 $786.00 $1,376.00
South Dartmouth $786.00 $1,855.00 $786.00 $1,855.00
South Deerfield $757.00 $1,376.00 $757.00 $1,376.00
South Dennis $786.00 $1,624.00 $786.00 $1,624.00
South Easton $786.00 $1,855.00 $786.00 $1,855.00
South Egremont $786.00 $1,376.00 $786.00 $1,376.00
South Grafton $786.00 $1,376.00 $786.00 $1,376.00
South Hadley $565.00 $1,697.00 $565.00 $1,697.00
South Hamilton $786.00 $1,546.00 $786.00 $1,546.00
South Walpole $786.00 $1,697.00 $786.00 $1,697.00
South Wellfleet $786.00 $1,697.00 $786.00 $1,697.00
South Weymouth $786.00 $2,002.00 $786.00 $2,002.00
South Yarmouth $786.00 $1,697.00 $786.00 $1,697.00
Southampton $525.00 $1,517.00 $525.00 $1,517.00
Southborough $530.00 $1,376.00 $530.00 $1,376.00
Southbridge $620.00 $1,783.00 $620.00 $1,783.00
Southfield $786.00 $1,376.00 $786.00 $1,376.00
Southwick $566.00 $1,697.00 $566.00 $1,697.00
Spencer $624.00 $1,783.00 $624.00 $1,783.00
Springfield $783.00 $2,601.00 $783.00 $2,601.00
Sterling $472.00 $1,376.00 $472.00 $1,376.00
Still River $786.00 $1,517.00 $786.00 $1,517.00
Stockbridge $496.00 $1,517.00 $496.00 $1,517.00
Stoneham $680.00 $1,908.00 $680.00 $1,908.00
Stoughton $769.00 $2,186.00 $769.00 $2,186.00
Stow $484.00 $1,376.00 $484.00 $1,376.00
Sturbridge $520.00 $1,517.00 $520.00 $1,517.00
Sudbury $484.00 $1,376.00 $484.00 $1,376.00
Sunderland $524.00 $1,624.00 $524.00 $1,624.00
Sutton $547.00 $1,376.00 $547.00 $1,376.00
Swampscott $702.00 $2,002.00 $702.00 $2,002.00
Swansea $569.00 $1,713.00 $569.00 $1,713.00
Taunton $695.00 $2,002.00 $695.00 $2,002.00
Templeton $489.00 $1,376.00 $489.00 $1,376.00
Tewksbury $594.00 $1,713.00 $594.00 $1,713.00
Three Rivers $786.00 $1,697.00 $786.00 $1,697.00
Topsfield $578.00 $1,697.00 $578.00 $1,697.00
Townsend $507.00 $1,376.00 $507.00 $1,376.00
Truro $438.00 $1,376.00 $438.00 $1,376.00
Turners Falls $769.00 $1,376.00 $769.00 $1,376.00
Tyngsboro $786.00 $1,585.00 $786.00 $1,585.00
Upton $485.00 $1,376.00 $485.00 $1,376.00
Uxbridge $523.00 $1,376.00 $523.00 $1,376.00
Village Of Nagog Woods $786.00 $1,376.00 $786.00 $1,376.00
Vineyard Haven $786.00 $1,376.00 $786.00 $1,376.00
Waban $786.00 $1,783.00 $786.00 $1,783.00
Wakefield $657.00 $1,783.00 $657.00 $1,783.00
Wales $540.00 $1,546.00 $540.00 $1,546.00
Walpole $595.00 $1,697.00 $595.00 $1,697.00
Waltham $640.00 $1,855.00 $640.00 $1,855.00
Ware $540.00 $1,624.00 $540.00 $1,624.00
Wareham $650.00 $1,908.00 $650.00 $1,908.00
Warwick $454.00 $1,376.00 $454.00 $1,376.00
Watertown Town $786.00 $2,003.00 $786.00 $2,003.00
Wayland $571.00 $1,546.00 $571.00 $1,546.00
Webster $632.00 $1,855.00 $632.00 $1,855.00
Wellesley $545.00 $1,517.00 $545.00 $1,517.00
Wellesley Hills $786.00 $1,517.00 $786.00 $1,517.00
Wellfleet $482.00 $1,376.00 $482.00 $1,376.00
Wendell $464.00 $1,376.00 $464.00 $1,376.00
Wenham $533.00 $1,546.00 $533.00 $1,546.00
West Barnstable $786.00 $1,713.00 $786.00 $1,713.00
West Boylston $533.00 $1,546.00 $533.00 $1,546.00
West Bridgewater $679.00 $1,908.00 $679.00 $1,908.00
West Brookfield $485.00 $1,376.00 $485.00 $1,376.00
West Chesterfield $786.00 $1,517.00 $786.00 $1,517.00
West Dennis $786.00 $1,624.00 $786.00 $1,624.00
West Harwich $786.00 $1,624.00 $786.00 $1,624.00
West Hatfield $786.00 $1,376.00 $786.00 $1,376.00
West Hyannisport $786.00 $1,624.00 $786.00 $1,624.00
West Newbury $515.00 $1,376.00 $515.00 $1,376.00
West Newton $786.00 $1,783.00 $786.00 $1,783.00
West Roxbury $743.00 $2,195.00 $743.00 $2,195.00
West Springfield Town $786.00 $2,023.00 $786.00 $2,023.00
West Stockbridge $495.00 $1,517.00 $495.00 $1,517.00
West Tisbury $449.00 $1,376.00 $449.00 $1,376.00
West Townsend $786.00 $1,376.00 $786.00 $1,376.00
West Wareham $786.00 $1,908.00 $786.00 $1,908.00
West Warren $786.00 $1,624.00 $786.00 $1,624.00
West Yarmouth $786.00 $1,697.00 $786.00 $1,697.00
Westborough $563.00 $1,546.00 $563.00 $1,546.00
Westfield $587.00 $1,376.00 $587.00 $1,376.00
Westford $480.00 $1,376.00 $480.00 $1,376.00
Westminster $533.00 $1,517.00 $533.00 $1,517.00
Weston $558.00 $1,624.00 $558.00 $1,624.00
Westport $604.00 $1,713.00 $604.00 $1,713.00
Westport Point $786.00 $1,713.00 $786.00 $1,713.00
Westwood $617.00 $1,697.00 $617.00 $1,697.00
Weymouth $685.00 $2,002.00 $685.00 $2,002.00
Whitinsville $786.00 $1,624.00 $786.00 $1,624.00
Whitman $679.00 $1,908.00 $679.00 $1,908.00
Wilbraham $600.00 $1,713.00 $600.00 $1,713.00
Williamsburg $482.00 $1,376.00 $482.00 $1,376.00
Williamstown $450.00 $1,376.00 $450.00 $1,376.00
Wilmington $617.00 $1,697.00 $617.00 $1,697.00
Winchendon $531.00 $1,624.00 $531.00 $1,624.00
Winchester $606.00 $1,624.00 $606.00 $1,624.00
Windsor $505.00 $1,517.00 $505.00 $1,517.00
Winthrop Town $786.00 $2,411.00 $786.00 $2,411.00
Woburn $676.00 $1,855.00 $676.00 $1,855.00
Woods Hole $786.00 $1,624.00 $786.00 $1,624.00
Worcester $766.00 $2,411.00 $766.00 $2,411.00
Worthington $493.00 $1,517.00 $493.00 $1,517.00
Wrentham $526.00 $1,546.00 $526.00 $1,546.00
Yarmouth Port $786.00 $1,697.00 $786.00 $1,697.00

Moving to Massachusetts: Important Information

You will need to convert your out-of-state license as soon as you are a resident if you are moving to Massachusetts. You will need to take your old license to the Registry of Motor Vehicles. You will also need proof of your birth date, that you live in the state, and your Social Security card.

There are several steps you need to do to convert your out-of-state vehicle registration. You will need to go to a licensed state insurance agent and get an auto insurance policy in the state. Then, you need to go to a Registry of Motor Vehicles branch office. Be sure to bring your out-of-state title and registration and fill out an application.

Understanding Driving Laws in Massachusetts

Massachusetts has driving laws that say you must drive the speed limit and wear a seat belt just like other states. In addition, state law says that infants and children must ride in federally approved child passenger restraints. They have to use them until they are at least 8 years old or 57 inches tall.

It is also against the law to use any mobile electronic device while driving. This means you can't use a cell phone to write, read, or send messages while driving. In addition, drivers who are under 18 years old can't use a mobile electronic device for any reason while driving. The only exception is to report an emergency.

Frequently Asked Questions About Massachusetts Auto Insurance

1. Why are rates different from different companies under the managed competition system?

Before 2008, the rates for all auto insurers were set by the Commissioner of Insurance. If you shopped for insurance then, your quote from each company would have been the same for the same coverage. Since April 2008, insurers in the state have been setting their own rates. Even though the rates vary, the Commissioner of Insurance approves the rates.

2. Is it true that auto insurance is expensive in Massachusetts?

It is true that the state has some of the highest auto insurance rates.  One of the biggest causes is that so many people live and drive in the state, so accidents are more likely to happen. The state also has a higher cost of living than some other states. This means everything costs more including medical care, auto repairs, and legal costs.

3. Under the managed competition system, can drivers purchase more than the minimum required auto insurance?

You have to buy the minimum insurance set by state law, but you can buy extra types of coverage or increased coverage. You might want to consider comprehensive coverage and coverage for towing. Comprehensive covers any damage to your car not caused by an accident, like flooding or theft.

How to Get Great Rates on Massachusetts Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Massachusetts Auto Insurance Resources

If you want to know about more than just Massachusetts auto insurance quotes, here are some resources that may be helpful.

Massachusetts Division of Automobile Insurance

Buying Auto Insurance, Coverages, Discounts and more

http://www.mass.gov/?pageID=ocasubtopic&L=4&L0=Home&L1=Consumer&L2=Insurance&L3=Automobile+Insurance&sid=Eoca

Massachusetts Auto Insurance Laws

Laws, policies and regulations pertaining to auto insurance in Massachusetts

http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-subj/about/autoinsurance.html

Massachusetts Department of Motor Vehicles

Offering online information and tools for Massachusetts drivers and vehicle owners

http://www.mass.gov/rmv/

Massachusetts Cell Phone Driving Laws

Can you talk and drive in Massachusetts?

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

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  • How your county compares to the state average
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