Compare car insurance rates across all 50 states. See average premiums, cheapest and most expensive states, and what factors drive costs in your area.
Massachusetts Insurance Guide
Recently updated
Insurance in Massachusetts
Find comprehensive insurance information for Massachusetts (MA) residents. From health coverage to auto and home insurance, we’ll help you understand your options in the Northeast region.
Not sure what coverage you need? Take our Coverage Quiz for personalized recommendations.
Quick Facts
| State | Massachusetts (MA) |
| Region | Northeast |
| Population | ~7.0M residents |
| Health Marketplace | Massachusetts Health Connector |
| Insurance Regulator | Massachusetts Department of Insurance |
Health Insurance in Massachusetts
Massachusetts residents can find health coverage through:
- Massachusetts Health Connector - The official health insurance marketplace
- Employer-sponsored insurance - Coverage through your workplace
- Medicaid - For eligible low-income residents
- Medicare - For residents 65 and older
Auto Insurance in Massachusetts
Massachusetts has specific requirements for auto insurance coverage. Learn about minimum liability requirements, optional coverages, and how to find the best rates.
Homeowners Insurance in Massachusetts
Protect your home with coverage tailored to Massachusetts’s specific risks and requirements.
Life Insurance in Massachusetts
Find life insurance options available to Massachusetts residents to protect your family’s financial future.
How Massachusetts Compares
Understanding how Massachusetts stacks up against national averages helps you evaluate your insurance costs and coverage options.
| Metric | Massachusetts | National Avg | Comparison |
|---|---|---|---|
| Auto Insurance (annual) | $1,612 | $1,935 | -17% (above average) |
| Health Insurance (monthly) | $578 | $477 | +21% (near average) |
| Home Insurance (annual) | $1,598 | $2,377 | -33% (near average) |
| Uninsured Rate | 3.1% | 9.5% | -67% (among the best) |
Key Insights
- Massachusetts has one of the lowest uninsured rates in the nation (#1), indicating strong access to coverage.
Related Insurance Types
- Health Insurance - Medical coverage options
- Auto Insurance - Vehicle coverage requirements
- Homeowners Insurance - Home protection
- Life Insurance - Financial protection for your family
- Business Insurance - Coverage for business owners
Official Resources
- Massachusetts Division of Insurance (opens in new tab) - State insurance regulator, file complaints, verify licenses
- Massachusetts Health Connector (opens in new tab) - Massachusetts’ official health insurance marketplace
- FEMA Flood Map Service Center (opens in new tab) - Check flood zones for any Massachusetts address
Contact Your State Insurance Department
Have questions about insurance coverage, need to file a complaint, or want to verify an agent's license? Contact your state regulator:
- Agency
- Massachusetts Division of Insurance
- Phone
- 617-521-7794
- Website
- Visit Official Website
Frequently Asked Questions
What is the minimum auto insurance required in Massachusetts?
Massachusetts requires minimum liability coverage of 20/40/5: $20,000 per person for bodily injury, $40,000 per accident for bodily injury, and $5,000 for property damage. Personal Injury Protection (PIP) of $8,000 is also required as Massachusetts is a no-fault state.
Is health insurance required in Massachusetts?
Yes, Massachusetts has an individual health insurance mandate. Residents must have qualifying health coverage or face a tax penalty. Massachusetts was the first state to implement such a mandate, which predates the ACA.
How do I get health insurance in Massachusetts?
Massachusetts has its own marketplace, Massachusetts Health Connector. Open enrollment runs November through January. Massachusetts has MassHealth (Medicaid) with generous eligibility, and the state has one of the lowest uninsured rates in the nation.
Does Massachusetts homeowners insurance cover nor'easter damage?
Yes, standard homeowners insurance covers wind damage from nor’easters. However, flood damage from coastal flooding or storm surge requires separate flood insurance. Review your deductibles as some policies have higher wind/hail deductibles.
What is the average cost of car insurance in Massachusetts?
Massachusetts drivers pay approximately $1,500-$1,800 per year for full coverage auto insurance. Boston metro area rates are significantly higher than western Massachusetts. The state’s managed competition system keeps rates relatively stable.
No FAQs match your search. Try different keywords or .
[massachusetts] Insurance Types
Compare insurance options available to [massachusetts] residents. Requirements and costs vary - learn what coverage you need.
Neighboring State Guides
Explore insurance guides for states bordering Massachusetts:
Related Articles (8)
Comprehensive comparison of business insurance costs across 17 major U.S. states. Understand workers' comp rates, regional differences, and what drives insurance costs in each market.
Comprehensive guide to construction insurance across 17 major U.S. states. Compare workers' comp rates, bonding requirements, licensing rules, and liability costs for contractors.
Compare health insurance premiums across all 50 states. See ACA marketplace costs, employer plan averages, and what drives health coverage prices in your area.
Comprehensive guide to healthcare business insurance across 17 major U.S. states. Compare medical malpractice rates, workers' comp costs, cyber liability requirements, and regulatory environments.
Compare homeowners insurance rates across all 50 states. See average premiums, disaster risk impacts, and what drives home insurance costs in your area.
Comprehensive guide to technology business insurance across 17 major U.S. states. Compare cyber liability, tech E&O, D&O insurance, and employment practices costs for software companies, SaaS providers, and tech startups.
Complete guide to business insurance in Massachusetts. Understand the state's unique auto insurance history, healthcare reform impacts, workers' comp requirements, and navigating the Bay State's insurance market.