Massachusetts car insurance prices vary significantly among providers, making it important to compare quotes before purchasing coverage. Rates depend on factors like driving history, age, location and the type of car driven – our Massachusetts Car Insurance Calculator makes this easier by helping estimate your car insurance costs and find affordable policies from leading providers.
Massachusetts drivers are required to have at least $20,000 per person and $40,000 per accident of bodily injury liability insurance for any accidents they cause; additionally, at least $8,000 of personal injury protection (PIP) coverage per person should also be maintained regardless of who caused an incident.
Massachusetts is one of only a few states to prohibit credit score and gender as rating factors when setting car insurance rates, although other factors still play into pricing. Age is considered by insurers as one of the primary considerations, with young drivers usually paying much more due to inexperience behind the wheel and greater accident risks. Premiums usually start to decrease for younger drivers around 25th birthday but may recur once reaching middle-age.
Location can also play an influential role in your car insurance rates, particularly if you live in an urban area with high crime or traffic levels and lower rural insurance premiums than urban ones. Furthermore, spouses or individuals convicted of certain offenses such as DUI may pay more.
Drivers with clean records tend to enjoy lower car insurance premiums. But even if you’ve had an accident or traffic violations on your record, it still pays to shop around and compare quotes in search of better offers. Comparing quotes may enable you to save money by selecting an insurer offering discounts for drivers with good driving records or another policy feature that could offset potential negative marks against your driving history.
The data used to create these charts was collected through real-time car insurance quotes provided by Insurify’s 50+ partner providers and then analyzed to create average Massachusetts car insurance rates for each driver profile listed – quotes were given for full coverage policies with a $500 deductible and assume that each driver was male, 25 years old, with no violations on his driving record. To get personalized rates quickly, answer some simple questions within three minutes or less!