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Coverage and service made for Massachusetts

With about 77,000 miles of roadways, the Bay State offers plenty of room to roam. If you live in Massachusetts, USAA offers a combination of coverages and service to meet your needs. Whether you're cruising the Cape Anne coastal route, driving down Mass Pike or taking in the beautiful Berkshires, USAA can be there for you.

The average cost of car insurance in Massachusetts

There are many things involved in determining auto insurance rates. How many miles you drive a year and your driving record both play a part in how much you'll pay.

See note$156 See noteper month

The average monthly cost for all USAA auto policies issued in Massachusetts in 2023.See note1

Massachusetts coverage requirements and minimums

Massachusetts is a no-fault state, which means no matter who caused the accident, your personal injury protection insurance will provide initial coverage for covered medical costs up to your policy limits.

As of Jan. 1, 2024, Massachusetts law requires drivers to have the following minimum bodily injury and property damage liability limits:

  • $20,000 of bodily injury liability coverage per person.

    This helps cover costs for injuries or deaths to other drivers and their passengers if you cause an accident.

  • $40,000 of bodily injury liability coverage per accident limit.

    This is the total amount of coverage for expenses related to injuries or deaths to other vehicles' drivers and their passengers in accidents in which you're found at fault.

  • $5,000 of property damage liability coverage.

    This coverage helps pay for damages to other people's property, including vehicles, homes and other buildings in accidents in which you're found at fault.

  • Uninsured motorist bodily injury coverage

    Massachusetts drivers must have uninsured motorist bodily injury (UMBI) coverage. Massachusetts requires at least $20,000 per person and $40,000 per accident. This helps cover you and your passengers if you're in an accident caused by a driver who doesn't have insurance.

  • $8,000 of personal injury protection.

    Personal injury protection (PIP) is mandatory in Massachusetts. This helps cover medical expenses for you and your passengers, no matter who's at fault in an accident.

Some drivers choose to have higher limits and more coverages for greater protection. If you're responsible for injuries and damage that cost more than your policy will cover, you may have to pay out of pocket.

A popular coverage option is roadside assistance.See note2 It can help if you're broken down and need a tow. Many drivers also add rental reimbursement.See note3 It helps cover the cost of a rental car if your vehicle is in the shop for repairs after a covered loss.

If you're making payments to a leasing company or a lender, they may also require you to carry collision and comprehensive coverages. Learn more about the different types of car insurance coverage.

Get up to 30% off your premium for being a safe driver.See note4

With USAA SafePilot®, the better you drive, the bigger the discount you may earn.

Reasons to choose USAA Auto Insurance in Massachusetts

A countrywide survey showed that when members switched to a USAA Auto Insurance policy, they saved an average of $725 on their annual premium.See note5 Here's what else you can expect with a USAA Auto Insurance policy.

Coverage for whatever moves you

Still have questions about car insurance?

We can help. To speak with a representative, call 800-531-USAA (8722).([thats 800-531-]8722)