Dense Northeast market with high repair costs and harsh winter driving.
According to the NAIC Auto Insurance Database Report (2022 data), the statewide average auto insurance expenditure per insured vehicle in Massachusetts was approximately $1,124/year. This is a state-level average — not a city-specific figure. Source: NAIC Auto Insurance Database Report (naic.org).
Massachusetts Division of Insurance — licenses carriers and agents in Massachusetts, reviews rate filings, and handles consumer complaints.
Massachusetts Division of Insurance — official site
Verify carrier licenses and complaint data nationally at naic.org/cis (NAIC Consumer Information Source).
Massachusetts is a no-fault state. Personal Injury Protection (PIP) coverage is mandatory — your own PIP pays your medical costs regardless of fault.
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