Cheapest Car Insurance in Massachusetts for 2026

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Updated: May 3, 2026

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Massachusetts ranks 14th most affordable of 50 states at $99/month full coverage, 18% below the national average (Quadrant Information Services). Plymouth Rock, a New England regional insurer, leads in minimum coverage at $22/month, full coverage at $67/month, young drivers, at-fault accidents and DUI, an unusually dominant position for a regional carrier. Norfolk & Dedham Insurance, a small Massachusetts mutual, leads seniors at $63/month, cheaper than Plymouth Rock's own senior rate of $84/month. Massachusetts bans both gender and credit scoring as rating factors, making it one of only four states to prohibit credit use in auto insurance pricing.

Cheapest in Massachusetts by coverage type

Cheapest by city

Cheapest by driver age

Cheapest by driving record

MoneyGeek analyzed auto insurance providers across every residential ZIP code in Massachusetts. The baseline profile used a 40-year-old male driver with a clean record, 100/300/100 full coverage and a $1,000 deductible. Massachusetts prohibits the use of gender and credit scoring as rating factors, so these variables are excluded from all profiles. Additional profiles included young drivers (ages 16 to 25 on a family policy), seniors and drivers with speeding tickets, at-fault accidents, DUI convictions and texting while driving violations. All rates are ZIP code averages sourced from Quadrant Information Services. Individual quotes vary.

Cheapest Minimum and Full Coverage Car Insurance in Massachusetts

Plymouth Rock, a New England regional insurer, leads both minimum coverage at $22/month and full coverage at $67/month in Massachusetts. Among analyzed providers, Safety Insurance at $89/month full coverage is the most expensive in the table, meaning Plymouth Rock saves drivers $22/month ($264/year) compared to Safety on full coverage. Norfolk & Dedham leads seniors, and GEICO leads speeding and texting violations.

Drivers should compare multiple providers to find the best car insurance in Massachusetts.

Massachusetts minimum coverage requires 20/40/5 liability limits plus mandatory $8,000 PIP and required UM/UIM coverage. As a no-fault state, Massachusetts PIP covers first-party medical costs regardless of fault. The state's $5,000 property damage minimum is among the lowest in the country. Massachusetts also bans both gender and credit scoring as rating factors, eliminating two of the most common pricing variables used in other markets.

Plymouth Rock Insurance
$22
Safety Insurance
$31
Amica
$35
GEICO
$37
Norfolk & Dedham Insurance
$37
Plymouth Rock Insurance
$67
Safety Insurance
$89
Amica
$85
GEICO
$79
Norfolk & Dedham Insurance
$83

Cheapest Car Insurance by Age in Massachusetts

Plymouth Rock Insurance leads standalone young-driver policies at $124 a month, $45 a month below GEICO at $169 a month. Norfolk & Dedham Insurance leads for seniors at $63 a month, the one segment where Plymouth Rock does not lead. Massachusetts bans gender as a rating factor, so the family policy table shows one rate per age rather than a male and female split. This benefits male teens, who pay more than females in most other states.

Plymouth Rock leads the family policy at every age from 16 to 25. The standout data point is a $42 a month drop between ages 21 ($224 a month) and 22 ($182 a month), an unusually large single-year reduction that likely reflects Massachusetts's rating tier structure, where drivers move out of a higher-risk classification at age 22. Plymouth Rock's age-16 family rate of $346 a month falls to $174 a month by age 25, a $172 a month ($2,064 a year) reduction.

Open the dropdowns below to see full rate breakdowns for all ages 16 to 25 and for the top senior options.

Young Adult Drivers (Standalone)
Plymouth Rock Insurance
$124
Teen Drivers (16, Family Policy)
Plymouth Rock Insurance
$346
Seniors (65+)
Norfolk & Dedham Insurance
$63

Cheapest Car Insurance for High-Risk Drivers in Massachusetts

GEICO is the cheapest for speeding tickets at $88/month and texting while driving at $88/month in Massachusetts. Plymouth Rock leads at-fault accidents at $102/month and DUI at $106/month. Plymouth Rock's DUI rate of $106/month is only $39/month above its clean-record full coverage rate of $67/month, one of the smallest DUI surcharges in this series.

Progressive and GEICO tie for second on DUI at $136/month. Massachusetts bans credit scoring as a rating factor, so no bad-credit section applies to this analysis. Drivers with violations can find high-risk car insurance in Massachusetts.

Most violations affect Massachusetts rates for three years; DUI affects rates for five years or longer. Massachusetts requires SR-22 certification after certain violations, including DUI, driving without insurance and multiple at-fault accidents. SR-22 is not an insurance policy. It is a certificate filed by the insurer to verify continuous coverage.

Profile
Cheapest Provider
Monthly Rate

Speeding Ticket

GEICO

$88

At-Fault Accident

Plymouth Rock Insurance

$102

DUI

Plymouth Rock Insurance

$106

Texting While Driving

GEICO

$88

Cheapest Car Insurance by City in Massachusetts

Plymouth Rock leads all 10 cities analyzed in Massachusetts. The biggest rate gap is between Brockton at $97/month and Fall River and New Bedford at $74/month, a difference of $23/month ($276/year). Brockton has one of the higher vehicle theft and accident rates in eastern Massachusetts. Fall River and New Bedford are smaller cities in southeastern Massachusetts with lower claims activity and fewer high-density traffic corridors.

Boston at $77/month and Cambridge at $75/month, the most densely populated cities in the dataset, rank near the middle of the city rate range. This pattern is somewhat unusual for major urban centers and suggests Plymouth Rock's pricing in these cities is less sensitive to population density than in states like Michigan or Louisiana.

The relatively contained rates in Boston and Cambridge may reflect Massachusetts's strong public transit system, which reduces miles driven per capita and lowers per-vehicle claims exposure.

City
Cheapest Provider
Monthly Full Coverage Rates

Boston

Plymouth Rock Insurance

$77

Brockton

Plymouth Rock Insurance

$97

Cambridge

Plymouth Rock Insurance

$75

Fall River

Plymouth Rock Insurance

$74

Lowell

Plymouth Rock Insurance

$75

How to Get the Cheapest Car Insurance in Massachusetts

Among analyzed providers, Plymouth Rock leads nearly every driver category in Massachusetts. Norfolk & Dedham leads for seniors, and GEICO leads for speeding and texting violations. Drivers should compare multiple providers to confirm the best fit for their specific profile, as rates vary by city, age and driving record.

  1. 1
    Use Plymouth Rock as a starting point

    Plymouth Rock leads nearly every category analyzed for Massachusetts drivers. For seniors, check Norfolk & Dedham first. For speeding or texting violations, compare Plymouth Rock against GEICO before choosing a policy.

  2. 2
    Verify coverage meets Massachusetts mandatory PIP and UM/UIM

    Massachusetts minimum coverage includes $8,000 in personal injury protection (PIP) and required uninsured/underinsured motorist (UM/UIM) coverage. Drivers arriving from other states should confirm their existing policy includes both coverages, since many states do not require PIP or UM/UIM.

  3. 3
    Match coverage to vehicle value

    Full coverage averages $99 per month in Massachusetts. Drivers with older or lower-value vehicles should ask themselves how much car insurance do I need? They may find liability-only coverage more cost-effective.

  4. 4
    Enroll in a telematics program

    Plymouth Rock DriveWell and GEICO DriveEasy reward safe driving habits with usage-based discounts. Massachusetts telematics programs offer discounts of up to 25% for drivers who show low-risk behavior such as avoiding hard braking and late-night driving.

  5. 5
    Bundle home and auto

    Bundling home and auto insurance saves up to 20% on both policies. Massachusetts drivers can compare bundling options across carriers.

  6. 6
    Take a defensive driving course

    Massachusetts RMV-approved defensive driving courses may qualify drivers for insurance discounts of 5% to 10%. Courses must generally be completed every three years to maintain the discount. Contact your insurer to confirm which approved courses qualify before enrolling.

  7. 7
    Re-shop when violations age off

    Most Massachusetts violations affect rates for three years. A DUI affects rates for five years or longer. Plymouth Rock's modest DUI surcharge means the carrier stays competitive for drivers with a DUI on record, making it worth comparing at renewal.

  8. 8
    Consider low-income programs

    Massachusetts offers low-income auto insurance programs for qualifying drivers who meet income and eligibility requirements.

MoneyGeek analyzed auto insurance providers across every residential ZIP code in Massachusetts. The baseline profile used a 40-year-old male driver with a clean record, 100/300/100 full coverage and a $1,000 deductible. Massachusetts prohibits the use of gender and credit scoring as rating factors, so these variables are excluded from all profiles. Additional profiles included young drivers (ages 16 to 25 on a family policy), seniors and drivers with speeding tickets, at-fault accidents, DUI convictions and texting while driving violations. All rates are ZIP code averages sourced from Quadrant Information Services. Individual quotes vary.

About Mark Fitzpatrick

Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers. 

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships. 

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others. 

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

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