California vs Massachusetts Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Massachusetts is $600/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 15.2%).

Rate & Coverage Comparison

Attribute	California	Massachusetts
Avg Annual Premium	$2,070	$1,470
Min Liability	$680	$480
Full Coverage	$2,070	$1,470
Fault System	At-Fault (Tort)	No-Fault
Uninsured Rate	15.2%	6.2%
Registered Vehicles	32,421,159	5,764,600
Accidents/Year	486,317	86,469
Population	39,538,000	7,030,000

Minimum Coverage Requirements

California

15/30 / 5 liability

Massachusetts

20/40 / 5 liability

Premium Comparison

California$680 – $2,070

Liability: $680Avg: $2,070Full: $2,070

Massachusetts$480 – $1,470

Liability: $480Avg: $1,470Full: $1,470

CaliforniaFull rates, age breakdown, requirements →MassachusettsFull rates, age breakdown, requirements →

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CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, California or Massachusetts?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $2,070 in California - a difference of $600 per year.

How do California and Massachusetts compare on fault systems?

California uses a at-fault (tort) system while Massachusetts uses a no-fault system. This difference in fault systems directly affects how claims are processed and can influence premium costs.

What are the minimum insurance requirements in California vs Massachusetts?

California requires 15/30 / 5 liability. Massachusetts requires 20/40 / 5 liability. Minimum liability costs $680/yr in California and $480/yr in Massachusetts.

Which state has more uninsured drivers, California or Massachusetts?

California has a higher uninsured driver rate at 15.2%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the California vs Massachusetts insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

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Attribute

California

Massachusetts

Avg Annual Premium

$2,070

$1,470

Min Liability

$680

$480

Full Coverage

$2,070

$1,470

Fault System

At-Fault (Tort)

No-Fault

Uninsured Rate

15.2%

6.2%

Registered Vehicles

32,421,159

5,764,600

Accidents/Year

486,317

86,469

Population

39,538,000

7,030,000