If you're a new driver in Massachusetts, car insurance is going to be one of the biggest expenses associated with owning and operating a vehicle. The average premium for a new driver in MA is $5,414 per year, or $451 per month. That's nearly double the national average of $2,812 per year, and it puts Massachusetts firmly in the most expensive state for car insurance.
There are a few reasons why car insurance rates are so high in Massachusetts. For one thing, the state has some of the strictest regulations in the country when it comes to auto insurance. All drivers must carry a minimum of $5,000 in bodily injury liability coverage per person/$10,000 per accident, as well as $5,000 in property damage liability coverage. These requirements are higher than those in most other states, and they help to drive up premiums.
Another factor that contributes to high rates is the density of traffic on Massachusetts roads. With more cars on the road comes an increased chance of accidents, and insurers account for this by charging higher premiums.
If you're a new driver shopping for car insurance in Massachusetts, there are a few things you can do to help keep your costs down. One is to shop around and compare rates from multiple insurers. Another is to take advantage of discounts - many companies offer discounts for things like good grades or completing a driver's education course. And finally, make sure you only buy as much coverage as you need - buying more than you need will just add unnecessary cost without providing any additional protection