Vermont Mutual is the cheapest company overall in Massachusetts. GEICO and Plymouth Rock are the cheapest for other types of drivers.
Consider checking the best car insurance in Massachusetts if you’re looking for a balance of cost and quality service.
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Cheapest Minimum Liability Car Insurance in Massachusetts (June 2023)
On average, the cheapest car insurance companies for a minimum coverage policy in Massachusetts are:
- Vermont Mutual: $270 per year
- Hanover: $282 per year
Allstate is the most expensive company for minimum coverage, with an average premium of $1,105 per year, based on the companies MoneyGeek assessed.
A minimum coverage policy only includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and personal injury protection.
A minimum coverage policy only covers the damage you cause to others. This policy may be cheaper, but it does not cover damages to your car in an accident. Damages to your car can be covered by comprehensive and collision insurance, also known as a full coverage policy.
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Cheapest Full Coverage Car Insurance in Massachusetts (June 2023)
On average, the cheapest car insurance companies for a full coverage policy in Massachusetts are:
- Plymouth Rock Assurance: $744 per year
- American Family: $801 per year
The most expensive company for a full coverage policy is Allstate, with an average premium of $2,342 per year.
Getting a full coverage policy from Vermont Mutual is around $568 more than purchasing the minimum coverage. Full coverage provides additional protection in the event of a claim, as they cover on- and off-road accident-related damages and injuries.
The cost of your policy depends on your car insurance needs. MoneyGeek’s sample full coverage policy includes the following coverages:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
Reducing the coverage limits, dropping comprehensive and collision insurance or increasing your deductible can help cut costs. However, less coverage could mean insufficient financial protection in case of a claim.
How to Compare Cheap Massachusetts Car Insurance Quotes Online
Insurance companies can give you quotes through their official websites. However, this process can take up to 15 minutes, and you might need to give specific personal information. You also need to compare the quotes you get from individual companies to find the best rate for your needs, which means repeating this time-consuming process multiple times.
You may estimate your premiums with the MoneyGeek auto insurance calculator without giving personal information. This estimate can help you get started with your search for the most affordable car insurance.
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Cheapest Car Insurance in Massachusetts by Age (June 2023)
Age is one of the biggest factors affecting car insurance rates in Massachusetts. MoneyGeek found that State Farm, American Family and Vermont Mutual offers the cheapest option for all age brackets.
Cheapest for teens: State Farm
Cheapest for young adults: Plymouth Rock Assurance
Cheapest for seniors: Vermont Mutual
Cheapest Car Insurance in Massachusetts for Teens and Their Families (June 2023)
On average, the cheapest car insurance companies in Massachusetts for teens on their parent’s policy are:
- State Farm: $1,016 per year for both male and female teens
- Progressive: $1,271 per year for both male and female teens
The most expensive company for teens is Travelers, offering policies for $3,685 per year on average for both male and female teens on their parent’s policy.
In general, car insurance rates for teens significantly decrease as they age, with 19-year-olds getting the lowest quote from providers. State Farm ($652) offers the lowest rates for 19-year-olds in Massachusetts.
In general, it’s cheaper to add a teen to their parent’s policy as opposed to getting them their own policy. Plus, a teen under 18 cannot legally get auto insurance without a parent or guardian as a co-signer. The average premium for full coverage for a teenage driver in Massachusetts on their own policy is $3,995 per year, while being on a parent's policy only costs around $2,308 per year. This means that, on average, teenage drivers who are insured on their parent's policy may save $1,687 per year.
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because of their higher accident frequency. But in Massachusetts, insurers cannot use gender as a factor when determining auto insurance rates, so male and female teens pay the same. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Discounts can reduce the cost of car insurance for teenagers. Allstate, Progressive, State Farm and Travelers offer good student and distant student discounts in Massachusetts, whereas GEICO offers a good student discount.
Cheapest Car Insurance in Massachusetts for Young Adults (June 2023)
The cheapest car insurance companies in Massachusetts for young adult drivers with full coverage are, on average:
- Plymouth Rock Assurance: $904 per year
- American Family: $932 per year
Allstate offers the most expensive full coverage policy for young adults, at an average of $2,564 per year.
Drivers in their 20s usually pay more for car insurance than those in their 40s. For example, a 40-year-old pays around $838 per year with Vermont Mutual for full coverage in Massachusetts, roughly $117 less than a 25-year-old.
Cheapest Car Insurance in Massachusetts for Seniors (June 2023)
The cheapest car insurance companies in Massachusetts for senior drivers are, on average:
- Vermont Mutual: $587 per year
- Plymouth Rock Assurance: $670 per year
The most expensive company for seniors is Allstate, with an average premium of $1,736 per year.
Senior drivers may pay more or less for full coverage than middle-aged drivers depending on the insurer. A 40-year-old driver's Vermont Mutual full coverage policy costs around $838 per year, making a 65-year-old senior's premium for the same coverage roughly $251 cheaper. Car insurance rates can increase when a driver becomes 70 or 80 years old.
Senior drivers can save money thanks to discounts from certain insurers. Allstate and GEICO provide discounts to seniors. Your car insurance rates are influenced by a variety of factors besides age. Comparing prices from different companies can help you find the lowest rates.
Cheapest Car Insurance for Higher Risk Drivers (June 2023)
Insurers perceive drivers with violations as high-risk. As a result, car insurance premiums tend to be more expensive after a traffic violation. The cheapest car insurance for drivers with a ticket, an at-fault accident or a DUI on their record is from GEICO, American Family, and Plymouth Rock, respectively.
Cheapest after a ticket: Plymouth Rock Assurance ($1,057 per year)
Cheapest after an accident: Plymouth Rock Assurance ($1,095 per year)
Cheapest after a DUI: Plymouth Rock Assurance ($1,146 per year)
Cheapest for sports cars: American Family ($916 per year)
Cheapest Car Insurance in Massachusetts After a Ticket
On average, the cheapest car insurance companies in Massachusetts for drivers with speeding tickets are:
- Plymouth Rock Assurance: $1,057 per year
- GEICO: $1,091 per year
At around $2,414 annually, Travelers could be the most expensive company for you after getting a ticket.
Drivers with a ticket pay up to $301 more per year compared with a driver with a clean record, and a speeding ticket surcharge will apply to their insurance premium bill for at least three years.
Cheapest Car Insurance in Massachusetts After an Accident
The cheapest car insurance companies in Massachusetts for drivers with an at-fault accident are, on average:
- Plymouth Rock: $1,095 per year
- American Family: $1,118 per year
Allstate is the most expensive company for drivers with an at-fault accident on their record. The average premium is $3,820 per year.
On average, the cost of car insurance increases by $768 after an at-fault accident, and an at-fault accident surcharge is applied to the insurance premium bill for at least three years.
Cheapest Car Insurance in Massachusetts After a DUI
On average, the cheapest car insurance companies in Massachusetts for drivers with a DUI are:
- Plymouth Rock: $1,146 per year
- American Family: $1,373 per year
The most expensive company for drivers with a DUI on their record is Allstate, offering policies with an average cost of $4,678 per year.
Drivers with DUIs on their records pay up to $1,050 more for car insurance compared with drivers with clean records. And in Massachusetts, a DUI stays on a motor vehicle record for life.
Cheapest Car Insurance in Massachusetts for Sports Cars (June 2023)
On average, the cheapest car insurance companies for drivers in Massachusetts with a sports car are:
- American Family: $916 per year
- State Farm: $1,038 per year
The most expensive car insurance for sports cars is Allstate, with an average premium of $2,335 per year.
Although sports car drivers tend to pay more for insurance since their cars are more expensive to repair or replace, this isn’t the case in Massachusetts. Toyota Camry drivers in the state pay around $160 more annually for coverage than sports car drivers in the state.
We calculated average rates using a Ford Mustang as our sample sports car. The model of your car and your insurer can affect the cost of your car insurance policy, but it likely won’t impact it substantially.
However, luxury, electric and sports cars tend to be more expensive to insure since they are high-value vehicles. That said, this may not be true in your state.
Cheapest Car Insurance in Massachusetts for Military Drivers (June 2023)
Plymouth Rock Assurance offers the most affordable auto insurance rates in Massachusetts for active-duty military personnel and veterans. On average, a full coverage car insurance policy from Plymouth Rock Assurance costs $744 a year.
MoneyGeek also gathered quotes from USAA, a company that specializes in providing services for veterans and active-duty military personnel and their families. The average premium for a USAA policy is $1,758 per year. It’s accessible in every state and provides quality customer service.
- $744 per year
- First out of 14 companies
Although Plymouth Rock Assurance doesn’t provide a military discount, it does offer several discounts to help military drivers save money. You can get a discount by bundling your car insurance policy with a home, renters, condo or life insurance policy. It also gives a discount if you insure multiple cars.
Having or installing some vehicle equipment, like airbags or an anti-theft system, can also get you a discount. More savings can be added to your policy when you complete courses for driver’s education and defensive driving.
Cheapest Car Insurance in Massachusetts by City
Several factors affect the cost of car insurance, and one of them is your location. This is because insurers can view certain cities and even ZIP codes as riskier than others based on theft, vandalism and accident rates.
When looking for the lowest rates, it’s important to consider the average cost of car insurance in your city. The cheapest city for a full coverage policy in Massachusetts is Cambridge at approximately $561 for a policy from State Farm. Boston is the most expensive at around $945 annually for a policy from State Farm.
You can find the best policy for your needs by comparing rates and exploring different insurers.
Car Insurance in Massachusetts: What You Need to Know
Most states, including Massachusetts, mandate that drivers have bodily injury liability (BIL) and property damage liability (PDL). On top of these, Massachusetts requires personal injury protection and uninsured motorist coverage.
Massachusetts Car Insurance Requirements
Drivers need to meet the minimum car insurance requirements set by state laws. In Massachusetts, the law requires bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection.
It’s cheaper to get insurance with minimum coverage, but it offers less financial protection in case of an accident. MoneyGeek recommends increasing your liability coverage as much as your budget allows.
Bodily Injury Liability
Your bodily injury liability policy will pay the costs of treating a person you injured in an accident where you were at fault. The minimum required limits for bodily injury liability in Massachusetts are $20,000 per person and $40,000 per accident.
Property Damage Liability
Your property damage liability will cover the cost of repairing the other party's property in an at-fault accident. It covers any damage to their car, home, building or other potentially damaged items. This coverage does not pay for the cost of repairing your car. Massachusetts requires drivers to have at least $5,000 in property damage liability coverage per accident.
Personal Injury Protection
In the event of an accident, personal injury protection pays the policyholder's medical costs. You don’t have to be at fault for this coverage to pay for your expenses. The minimum coverage required in Massachusetts is $8,000.
Uninsured motorist coverage
Uninsured motorist coverage kicks in if you get into an accident where an uninsured driver is at fault. In this case, your car insurance will cover the costs of treating your injuries and repairing your vehicle. The minimum required coverage in Massachusetts for this is $20,000 per person and $40,000 per accident.
MoneyGeek recommends getting a policy that includes $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.
Your lender or leasing company may require you to obtain comprehensive and collision insurance. Collision insurance will cover any harm done to your car in case of a crash. Comprehensive insurance will pay for any damage your car sustains as long as it does not involve a collision.
If you drive a valuable car, comprehensive and collision insurance could be beneficial for you even if it’s not required by a lender.
Car Insurance Alternatives in Massachusetts
The Massachusetts Automobile Insurance Plan (MAIP) and cash deposits can be your best options if you don’t want to get car insurance coverage in Massachusetts. These can serve as adequate compliance with insurance laws and solutions in case you have difficulties purchasing a policy. The Massachusetts Automobile Insurance Plan also helps drivers get a car insurance policy after being rejected by an insurer.
Drivers can also make a $10,000 cash deposit or a liability bond if they don’t want to get a car insurance policy. This deposit will cover the costs of any claim, though it might not be enough. In case this bond is insufficient to cover damages, the driver may have to personally pay for the expenses.
It's better to get coverage from an insurance provider, as it reduces the financial risks on the part of the driver. Compliance with Massachusetts’ insurance laws helps protect you financially while also avoiding potential penalties.
FAQs About Car Insurance in Massachusetts
Cost and quality are often the top concerns of drivers who are looking for car insurance. These are some questions that are usually asked by drivers who are shopping for car insurance in Massachusetts.
Expert Advice on Finding Cheap Car Insurance in Massachusetts
To help you find credible and accurate insight into car insurance in Massachusetts, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.
- What are the key factors drivers in Massachusetts should look for when searching for the best auto insurance coverage?
- What steps can drivers in Massachusetts take to find affordable car insurance?
Chief Investment Officer at Flagship Harbor Advisors
About Mark Fitzpatrick
- Commonwealth of Massachusetts. "Massachusetts Auto Insurance Plan (MAIP)." Accessed December 19, 2022.