Florida vs Massachusetts Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $1,030/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 20.4%).

Rate & Coverage Comparison

Attribute	Florida	Massachusetts
Avg Annual Premium	$2,500	$1,470
Min Liability	$820	$480
Full Coverage	$2,500	$1,470
Fault System	No-Fault	No-Fault
Uninsured Rate	20.4%	6.2%
Registered Vehicles	17,661,160	5,764,600
Accidents/Year	264,917	86,469
Population	21,538,000	7,030,000

Minimum Coverage Requirements

Florida

10/20 / 10 liability

Massachusetts

20/40 / 5 liability

Premium Comparison

Florida$820 – $2,500

Liability: $820Avg: $2,500Full: $2,500

Massachusetts$480 – $1,470

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

FloridaFull 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, Florida or Massachusetts?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $2,500 in Florida - a difference of $1,030 per year.

How do Florida and Massachusetts compare on fault systems?

Florida uses a no-fault system while Massachusetts uses a no-fault system. Both states use the same system.

What are the minimum insurance requirements in Florida vs Massachusetts?

Florida requires 10/20 / 10 liability. Massachusetts requires 20/40 / 5 liability. Minimum liability costs $820/yr in Florida and $480/yr in Massachusetts.

Which state has more uninsured drivers, Florida or Massachusetts?

Florida has a higher uninsured driver rate at 20.4%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Florida 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

Florida

Massachusetts

Avg Annual Premium

$2,500

$1,470

Min Liability

$820

$480

Full Coverage

$2,500

$1,470

Fault System

No-Fault

Uninsured Rate

20.4%

6.2%

Registered Vehicles

17,661,160

5,764,600

Accidents/Year

264,917

86,469

Population

21,538,000

7,030,000