Massachusetts vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Massachusetts is $110/yr cheaper on average.

Fewer Uninsured

Massachusetts has a lower uninsured rate (6.2% vs 9.6%).

Rate & Coverage Comparison

Attribute	Massachusetts	Virginia
Avg Annual Premium	$1,470	$1,580
Min Liability	$480	$520
Full Coverage	$1,470	$1,580
Fault System	No-Fault	At-Fault (Tort)
Uninsured Rate	6.2%	9.6%
Registered Vehicles	5,764,600	7,077,420
Accidents/Year	86,469	106,161
Population	7,030,000	8,631,000

Minimum Coverage Requirements

Massachusetts

20/40 / 5 liability

Virginia

30/60 / 20 liability

Premium Comparison

Massachusetts$480 – $1,470

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

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

MassachusettsFull rates, age breakdown, requirements →VirginiaFull 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, Massachusetts or Virginia?

Massachusetts has cheaper car insurance, with an average annual premium of $1,470 compared to $1,580 in Virginia - a difference of $110 per year.

How do Massachusetts and Virginia compare on fault systems?

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

What are the minimum insurance requirements in Massachusetts vs Virginia?

Massachusetts requires 20/40 / 5 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $480/yr in Massachusetts and $520/yr in Virginia.

Which state has more uninsured drivers, Massachusetts or Virginia?

Virginia has a higher uninsured driver rate at 9.6%, compared to 6.2% in Massachusetts. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Massachusetts vs Virginia 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

Massachusetts

Virginia

Avg Annual Premium

$1,470

$1,580

Min Liability

$480

$520

Full Coverage

$1,470

$1,580

Fault System

No-Fault

At-Fault (Tort)

Uninsured Rate

6.2%

9.6%

Registered Vehicles

5,764,600

7,077,420

Accidents/Year

86,469

106,161

Population

7,030,000

8,631,000