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.
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.
