Massachusetts Auto Insurance Quotes

01

Compare MA Quotes Now

Find Your Lowest Rate in 2 Minutes

Massachusetts auto insurance rates range from $53/month (State Farm, liability only) to over $295/month for full coverage — for identical driver profiles. That gap can mean more than $2,900 a year in unnecessary spending if you're stuck with the wrong carrier.

The Solvent comparison tool checks live rates from State Farm, GEICO, Progressive, Allstate, USAA, and more — side by side, in real time, with no obligation to buy.

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Compare MA Auto Insurance

Enter your ZIP → answer 6 quick questions → get live quotes from top MA carriers.

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What Solvent Asks You — 6 Steps

① ZIP code → ② Currently insured? → ③ Current insurer (State Farm / GEICO / Progressive / Allstate / USAA / Other) → ④ More than one vehicle? → ⑤ Own a home? → ⑥ Age range & credit score tier. Results are sent to your email — the whole process takes under 2 minutes.

02

MA Rate Landscape 2026

What Massachusetts Drivers Actually Pay

Despite being a no-fault state with mandatory Personal Injury Protection (PIP), Massachusetts sits in the more affordable half of the country — ranked 14th out of 51 states for full-coverage affordability. Drivers here pay $265 less per year than the US national average for full coverage.

Coverage Level	MA Monthly Avg	MA Annual Avg	vs US Average
Full Coverage (100/300/100)	$285/mo	$3,421/yr	−$265 cheaper
Minimum Coverage (new Jul 2025)	$109/mo	$1,308/yr	−$162 cheaper
Liability Only — cheapest (State Farm)	$53/mo	$636/yr	—
Full Coverage — cheapest (Plymouth Rock)	$83/mo	$996/yr	28% below MA avg
Full Coverage — most expensive carriers	$295+/mo	$3,540+/yr	—

03

Important — New MA Law

New Minimum Requirements from July 2025

Massachusetts updated its mandatory auto insurance minimums for the first time since 1988. Governor Maura Healey signed House Bill H.5111 in December 2024, with new limits effective July 1, 2025 for all new or renewed policies.

Coverage Type	Old Minimum	New Minimum (Jul 2025)	Change
Bodily Injury Liability (per person)	$20,000	$25,000	+25%
Bodily Injury Liability (per accident)	$40,000	$50,000	+25%
Property Damage	$5,000	$30,000	+500%
Uninsured Motorist (per person / accident)	$20,000 / $40,000	$25,000 / $50,000	+25%
Personal Injury Protection (PIP)	$8,000	$8,000	No change

Premium Impact — Are You Paying Too Much?

The new minimums raised average minimum-coverage premiums by roughly 36% — from ~$524 to ~$711 per year statewide, and higher in Boston, Brockton, and Lynn. If you haven't re-shopped since July 2025, many carriers have repriced. Now is the best time to compare and lock in a better rate under the updated requirements.

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How Solvent Works

Your Quote in 6 Simple Steps

Solvent's tool is built around 6 quick questions that give carriers enough information to generate a real personalised rate. No lengthy forms, no phone calls, no bait-and-switch — just accurate quotes sent to your inbox.

①

Your ZIP Code

Rates vary dramatically across MA — from Adams at $114/mo to Boston at $200+. ZIP is the first and most critical input.

②

Currently Insured?

Carriers offer different rates based on whether you have an active policy or a coverage gap.

③

Current Insurer

State Farm, GEICO, Progressive, Allstate, USAA, or Other. Helps carriers assess your loyalty discount potential.

④

Number of Vehicles

Multi-vehicle discounts can reduce your per-car rate significantly when insuring 2+ vehicles.

⑤

Own a Home?

Homeowners often qualify for bundling discounts — even with MA's restricted rating factors.

⑥

Age & Credit Tier

Age range and credit score tier (Excellent 750+ / Good / Average / Fair / Poor) finalise your rate calculation.

Massachusetts Auto Insurance

Find Your Lowest Rate in 2 Minutes

What Massachusetts Drivers Actually Pay

New Minimum Requirements from July 2025

Your Quote in 6 Simple Steps

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