Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Jul 19, 2021

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For those driving in Massachusetts, car insurance premiums were ridiculously expensive. In fact, they were once some of the most costly car insurance rates in the entire country. The main reason for the high premiums in this state is that prior to 2008 the state determined what car insurance rates would be. This type of process took the competitive spirit out of selling auto insurance and discouraged many name brand car insurance companies from setting up shop in Massachusetts.

However, Massachusetts car insurance legislation changed in 2008 and opened the door for car insurance companies to determine their own rates and premium costs. The state still participates at a certain level but the majority of the detail work is done by each separate car insurance company.

In the past years since this legal change, car insurance rates have indeed decreased for Massachusetts drivers. The price for auto insurance dropped 12.7% and lessened by $134 a year. While rates have decreased all over the country, that percentage is only 1.4 percent outside of Massachusetts.

This information was released in January 2012 by the National Association of Insurance Commissioners and was based solely on private passenger vehicles. The change has motivated some top car insurance companies to move into Massachusetts such as Allstate, Geico, and Progressive.

Another move that will benefit MA drivers passed in December. This one states that car insurance companies cannot refuse to ensure drivers based on their credit score. The laws enforced by the Massachusetts Office of Consumer Affairs & Business Regulation (OCABR)  also wants drivers to know that they cannot be denied car insurance for discriminatory reasons, car insurance companies must provide information regarding why a person has been denied insurance, and that consumers having a difficult time getting insurance can purchase a policy from the Massachusetts Automobile Insurance Plan (MAIP).

Being required to purchase car insurance can be tough, especially on individuals and families who are out of work or struggling to keep up on them. However, the state of Massachusetts continues to look for ways to improve the cost of insurance to their residents. No driver should suffer from not being able to afford or to purchase the legal requirements for auto insurance in Massachusetts. As new legislation continues to get passed, the high premiums MA is known for will begin to go away and insurance will become easier to purchase. Even drivers who have given up hope on being able to legally operate a vehicle in this area may find new reasons to celebrate.