Massachusetts
- ~$40–$55
- ~$110–$135
- $20K/$40K/$5K
Massachusetts is known for moderate insurance premiums, bolstered by strong regulations, mandatory no-fault insurance, and extensive public transit in urban centers like Boston. The state benefits from relatively low accident rates and high vehicle ownership, with a focus on driver safety programs.
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Massachusetts Auto Insurance Facts *
Drivers
- ~4.3–4.4 million licensed drivers as of 2023.
- High vehicle ownership (~90% of households).
- Prevalence of sedans and hybrid vehicles.
- Uninsured motorist rate below 6%.
- Extensive use of public transit and carpooling in cities.
Accidents
| Year | Reported Crashes | Injury Crashes | Fatal Crashes |
|---|---|---|---|
| 2018 | ~85,200 | ~24,000 | 318 |
| 2019 | ~86,700 | ~24,500 | 305 |
| 2020 | ~75,900 | ~21,000 | 310 |
| 2021 | ~81,400 | ~22,800 | 320 |
| 2022 | ~83,000 | ~23,200 | 315 |
Laws & Regulations
- No-fault insurance system with mandatory personal injury protection (PIP).
- Mandatory uninsured motorist coverage.
- Strict consumer protections.
