The Cheapest Car Insurance in Massachusetts (January 2023)

State Farm is the cheapest company in Massachusetts for a minimum coverage policy based on the latest quotes collected for January 2023. Driver profiles, driving records and coverage level impact which insurer is the cheapest.

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State Farm is the cheapest company in Massachusetts for minimum and full coverage policies. Teens, young adults, seniors, military members and drivers with sports cars or violations can also find the most affordable policies from State Farm.

Consider checking the best car insurance in Massachusetts if you’re looking for a balance of cost and quality service.

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2023

Cheapest Car Insurance Massachusetts (January 2023)

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Methodology

Why Trust MoneyGeek? The Massachusetts car insurance rates, data and information we used in this study are from the Massachusetts Department of Insurance and Quadrant Information Services.

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These rates were updated in January 2023 to reflect the cheapest car insurance quotes in Massachusetts up to this month.

22,050

Quotes Analyzed

 
14

Companies Compared

 
81

ZIP Codes

Cheapest Minimum Liability Car Insurance in Massachusetts (January 2023)

On average, the cheapest car insurance companies for a minimum coverage policy in Massachusetts are:

  • State Farm: $221 per year
  • Hanover: $226 per year

Safety Group is the most expensive company for minimum coverage, with an average premium of $774 per year.

A minimum coverage policy only includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and personal injury protection.

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swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $167
    $14
  • Hanover
    $176
    $15
  • State Farm
    $221
    $18
  • State Farm
    $221
    $18
  • Hanover
    $226
    $19
  • Plymouth Rock Assurance
    $251
    $21
  • Vermont Mutual
    $252
    $21
  • Plymouth Rock Assurance
    $272
    $23
  • Hanover
    $289
    $24
  • Plymouth Rock Assurance
    $326
    $27
  • GEICO
    $327
    $27
  • Chubb
    $337
    $28
  • Arbella
    $349
    $29
  • Chubb
    $353
    $29
  • Vermont Mutual
    $359
    $30
  • Allstate
    $363
    $30
  • American Family
    $365
    $30
  • American Family
    $366
    $31
  • State Farm
    $369
    $31
  • Vermont Mutual
    $409
    $34
  • Amica Mutual
    $413
    $34
  • American Family
    $425
    $35
  • Amica Mutual
    $440
    $37
  • Amica Mutual
    $444
    $37
  • Chubb
    $456
    $38
  • Arbella
    $460
    $38
  • GEICO
    $469
    $39
  • Arbella
    $472
    $39
  • State Farm
    $483
    $40
  • State Farm
    $483
    $40
  • Safety Group
    $485
    $40
  • Allstate
    $494
    $41
  • GEICO
    $514
    $43
  • Vermont Mutual
    $533
    $44
  • Allstate
    $537
    $45
  • GEICO
    $572
    $48
  • Travelers
    $604
    $50
  • Progressive
    $640
    $53
  • Hanover
    $659
    $55
  • Plymouth Rock Assurance
    $752
    $63
  • Vermont Mutual
    $761
    $63
  • Travelers
    $769
    $64
  • Progressive
    $773
    $64
  • Safety Group
    $774
    $65
  • Allstate
    $784
    $65
  • American Family
    $801
    $67
  • Arbella
    $809
    $67
  • Progressive
    $815
    $68
  • Travelers
    $815
    $68
  • American Family
    $817
    $68
  • GEICO
    $834
    $69
  • Safety Group
    $834
    $69
  • Plymouth Rock Assurance
    $838
    $70
  • Hanover
    $865
    $72
  • Vermont Mutual
    $867
    $72
  • GEICO
    $923
    $77
  • American Family
    $932
    $78
  • Amica Mutual
    $968
    $81
  • Amica Mutual
    $1,003
    $84
  • Chubb
    $1,008
    $84
  • Plymouth Rock Assurance
    $1,027
    $86
  • Chubb
    $1,049
    $87
  • Allstate
    $1,057
    $88
  • Arbella
    $1,058
    $88
  • Arbella
    $1,081
    $90
  • Amica Mutual
    $1,098
    $92
  • Hanover
    $1,098
    $92
  • Allstate
    $1,156
    $96
  • Safety Group
    $1,194
    $100
  • Progressive
    $1,202
    $100
  • Progressive
    $1,316
    $110
  • Chubb
    $1,347
    $112
  • Travelers
    $1,396
    $116
  • Progressive
    $1,571
    $131
  • Travelers
    $1,739
    $145
  • Safety Group
    $1,911
    $159
  • Travelers
    $1,916
    $160
  • Safety Group
    $2,056
    $171

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 (January 2023)

On average, the cheapest car insurance companies for a full coverage policy in Massachusetts are:

  • State Farm: $483 per year
  • Vermont Mutual: $761 per year

The most expensive company for a full coverage policy is Safety Group, with an average premium of $1,911 per year.

Getting a full coverage policy from State Farm is around $262 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.

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swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $167
    $14
  • Hanover
    $176
    $15
  • State Farm
    $221
    $18
  • State Farm
    $221
    $18
  • Hanover
    $226
    $19
  • Plymouth Rock Assurance
    $251
    $21
  • Vermont Mutual
    $252
    $21
  • Plymouth Rock Assurance
    $272
    $23
  • Hanover
    $289
    $24
  • Plymouth Rock Assurance
    $326
    $27
  • GEICO
    $327
    $27
  • Chubb
    $337
    $28
  • Arbella
    $349
    $29
  • Chubb
    $353
    $29
  • Vermont Mutual
    $359
    $30
  • Allstate
    $363
    $30
  • American Family
    $365
    $30
  • American Family
    $366
    $31
  • State Farm
    $369
    $31
  • Vermont Mutual
    $409
    $34
  • Amica Mutual
    $413
    $34
  • American Family
    $425
    $35
  • Amica Mutual
    $440
    $37
  • Amica Mutual
    $444
    $37
  • Chubb
    $456
    $38
  • Arbella
    $460
    $38
  • GEICO
    $469
    $39
  • Arbella
    $472
    $39
  • State Farm
    $483
    $40
  • State Farm
    $483
    $40
  • Safety Group
    $485
    $40
  • Allstate
    $494
    $41
  • GEICO
    $514
    $43
  • Vermont Mutual
    $533
    $44
  • Allstate
    $537
    $45
  • GEICO
    $572
    $48
  • Travelers
    $604
    $50
  • Progressive
    $640
    $53
  • Hanover
    $659
    $55
  • Plymouth Rock Assurance
    $752
    $63
  • Vermont Mutual
    $761
    $63
  • Travelers
    $769
    $64
  • Progressive
    $773
    $64
  • Safety Group
    $774
    $65
  • Allstate
    $784
    $65
  • American Family
    $801
    $67
  • Arbella
    $809
    $67
  • Progressive
    $815
    $68
  • Travelers
    $815
    $68
  • American Family
    $817
    $68
  • GEICO
    $834
    $69
  • Safety Group
    $834
    $69
  • Plymouth Rock Assurance
    $838
    $70
  • Hanover
    $865
    $72
  • Vermont Mutual
    $867
    $72
  • GEICO
    $923
    $77
  • American Family
    $932
    $78
  • Amica Mutual
    $968
    $81
  • Amica Mutual
    $1,003
    $84
  • Chubb
    $1,008
    $84
  • Plymouth Rock Assurance
    $1,027
    $86
  • Chubb
    $1,049
    $87
  • Allstate
    $1,057
    $88
  • Arbella
    $1,058
    $88
  • Arbella
    $1,081
    $90
  • Amica Mutual
    $1,098
    $92
  • Hanover
    $1,098
    $92
  • Allstate
    $1,156
    $96
  • Safety Group
    $1,194
    $100
  • Progressive
    $1,202
    $100
  • Progressive
    $1,316
    $110
  • Chubb
    $1,347
    $112
  • Travelers
    $1,396
    $116
  • Progressive
    $1,571
    $131
  • Travelers
    $1,739
    $145
  • Safety Group
    $1,911
    $159
  • Travelers
    $1,916
    $160
  • Safety Group
    $2,056
    $171

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 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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State Farm

Cheapest Car Insurance in Massachusetts for Teens and Their Families (January 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-old males in Massachusetts.

In general, it’s cheaper to add a teen to their parent’s policy as opposed to getting them their own policy. The average premium for individual coverage for a male teenage driver in Massachusetts on their own policy is $3,995 per year while being added to a parent's policy only costs around $2,308 per year. This means that, on average, teenage drivers who are insured by their parent's coverage may save $1,687 per year.

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  • Company
    Family Plan Annual Premium
    Individual Plan Annual Premium
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $479
    $483
  • State Farm
    $617
    $903
  • State Farm
    $617
    $903
  • State Farm
    $652
    $953
  • State Farm
    $652
    $953
  • State Farm
    $652
    $953
  • State Farm
    $652
    $953
  • Progressive
    $798
    $1,571
  • Progressive
    $798
    $1,571
  • Progressive
    $855
    $4,336
  • Progressive
    $855
    $4,336
  • Progressive
    $904
    $2,782
  • Progressive
    $904
    $2,782
  • GEICO
    $905
    $923
  • GEICO
    $905
    $923
  • GEICO
    $924
    $941
  • GEICO
    $924
    $941
  • Progressive
    $940
    $4,766
  • Progressive
    $940
    $4,766
  • GEICO
    $946
    $964
  • GEICO
    $946
    $964
  • GEICO
    $972
    $991
  • GEICO
    $972
    $991
  • Progressive
    $980
    $1,930
  • Progressive
    $980
    $1,930
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • Allstate
    $998
    $1,156
  • State Farm
    $1,016
    $1,569
  • State Farm
    $1,016
    $1,569
  • State Farm
    $1,016
    $1,569
  • State Farm
    $1,016
    $1,569
  • State Farm
    $1,016
    $1,569
  • State Farm
    $1,016
    $1,569
  • Progressive
    $1,046
    $2,059
  • Progressive
    $1,046
    $2,059
  • Progressive
    $1,079
    $3,320
  • Progressive
    $1,079
    $3,320
  • Progressive
    $1,271
    $6,443
  • Progressive
    $1,271
    $6,443
  • Progressive
    $1,271
    $3,910
  • Progressive
    $1,271
    $3,910
  • Progressive
    $1,289
    $2,538
  • Progressive
    $1,289
    $2,538
  • GEICO
    $1,350
    $1,335
  • GEICO
    $1,350
    $1,335
  • GEICO
    $1,459
    $1,443
  • GEICO
    $1,459
    $1,443
  • Travelers
    $1,461
    $1,661
  • Travelers
    $1,461
    $1,661
  • Allstate
    $1,491
    $2,083
  • Allstate
    $1,491
    $2,083
  • GEICO
    $1,531
    $1,514
  • GEICO
    $1,531
    $1,514
  • Travelers
    $1,685
    $1,916
  • Travelers
    $1,685
    $1,916
  • Allstate
    $1,723
    $2,406
  • Allstate
    $1,723
    $2,406
  • Allstate
    $1,723
    $2,406
  • Allstate
    $1,723
    $2,406
  • GEICO
    $2,255
    $2,316
  • GEICO
    $2,255
    $2,316
  • Travelers
    $2,279
    $2,592
  • Travelers
    $2,279
    $2,592
  • Travelers
    $2,340
    $2,661
  • Travelers
    $2,340
    $2,661
  • GEICO
    $2,429
    $2,494
  • GEICO
    $2,429
    $2,494
  • Travelers
    $2,468
    $2,744
  • Travelers
    $2,468
    $2,744
  • Travelers
    $2,488
    $2,765
  • Travelers
    $2,488
    $2,765
  • Allstate
    $2,593
    $3,998
  • Allstate
    $2,593
    $3,998
  • Travelers
    $2,669
    $3,456
  • Travelers
    $2,669
    $3,456
  • Travelers
    $2,679
    $2,978
  • Travelers
    $2,679
    $2,978
  • GEICO
    $2,706
    $2,780
  • GEICO
    $2,706
    $2,780
  • Allstate
    $2,735
    $4,218
  • Allstate
    $2,735
    $4,218
  • Allstate
    $2,860
    $4,410
  • Allstate
    $2,860
    $4,410
  • Travelers
    $2,882
    $3,732
  • Travelers
    $2,882
    $3,732
  • Travelers
    $3,685
    $4,772
  • Travelers
    $3,685
    $4,772
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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

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 (January 2023)

The cheapest car insurance companies in Massachusetts for drivers in their 20s are, on average,

  • State Farm: $483 per year
  • Vermont Mutual: $867 per year

Safety Group offers the most expensive policy for young adults, at an average of $2,056 per year.

Middle-aged drivers generally pay less for car insurance than young adults. However, for State Farm, the rates for middle-aged drivers and young adults stay the same. That said, this isn’t the case for other insurers. A policy from Vermont Mutual for a 40-year-old costs $761 per year, making it $106 less expensive than a 25-year-old’s policy.

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swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $167
    $14
  • Hanover
    $176
    $15
  • State Farm
    $221
    $18
  • State Farm
    $221
    $18
  • Hanover
    $226
    $19
  • Plymouth Rock Assurance
    $251
    $21
  • Vermont Mutual
    $252
    $21
  • Plymouth Rock Assurance
    $272
    $23
  • Hanover
    $289
    $24
  • Plymouth Rock Assurance
    $326
    $27
  • GEICO
    $327
    $27
  • Chubb
    $337
    $28
  • Arbella
    $349
    $29
  • Chubb
    $353
    $29
  • Vermont Mutual
    $359
    $30
  • Allstate
    $363
    $30
  • American Family
    $365
    $30
  • American Family
    $366
    $31
  • State Farm
    $369
    $31
  • Vermont Mutual
    $409
    $34
  • Amica Mutual
    $413
    $34
  • American Family
    $425
    $35
  • Amica Mutual
    $440
    $37
  • Amica Mutual
    $444
    $37
  • Chubb
    $456
    $38
  • Arbella
    $460
    $38
  • GEICO
    $469
    $39
  • Arbella
    $472
    $39
  • State Farm
    $483
    $40
  • State Farm
    $483
    $40
  • Safety Group
    $485
    $40
  • Allstate
    $494
    $41
  • GEICO
    $514
    $43
  • Vermont Mutual
    $533
    $44
  • Allstate
    $537
    $45
  • GEICO
    $572
    $48
  • Travelers
    $604
    $50
  • Progressive
    $640
    $53
  • Hanover
    $659
    $55
  • Plymouth Rock Assurance
    $752
    $63
  • Vermont Mutual
    $761
    $63
  • Travelers
    $769
    $64
  • Progressive
    $773
    $64
  • Safety Group
    $774
    $65
  • Allstate
    $784
    $65
  • American Family
    $801
    $67
  • Arbella
    $809
    $67
  • Progressive
    $815
    $68
  • Travelers
    $815
    $68
  • American Family
    $817
    $68
  • GEICO
    $834
    $69
  • Safety Group
    $834
    $69
  • Plymouth Rock Assurance
    $838
    $70
  • Hanover
    $865
    $72
  • Vermont Mutual
    $867
    $72
  • GEICO
    $923
    $77
  • American Family
    $932
    $78
  • Amica Mutual
    $968
    $81
  • Amica Mutual
    $1,003
    $84
  • Chubb
    $1,008
    $84
  • Plymouth Rock Assurance
    $1,027
    $86
  • Chubb
    $1,049
    $87
  • Allstate
    $1,057
    $88
  • Arbella
    $1,058
    $88
  • Arbella
    $1,081
    $90
  • Amica Mutual
    $1,098
    $92
  • Hanover
    $1,098
    $92
  • Allstate
    $1,156
    $96
  • Safety Group
    $1,194
    $100
  • Progressive
    $1,202
    $100
  • Progressive
    $1,316
    $110
  • Chubb
    $1,347
    $112
  • Travelers
    $1,396
    $116
  • Progressive
    $1,571
    $131
  • Travelers
    $1,739
    $145
  • Safety Group
    $1,911
    $159
  • Travelers
    $1,916
    $160
  • Safety Group
    $2,056
    $171

Cheapest Car Insurance in Massachusetts for Seniors (January 2023)

The cheapest car insurance companies in Massachusetts for senior drivers are, on average:

  • State Farm: $369 per year
  • Vermont Mutual: $533 per year

The most expensive company for seniors is Travelers, with an average premium of $1,369 per year.

Senior drivers may have more or less expensive coverage than middle-aged drivers depending on the insurer. A middle-aged driver's State Farm coverage costs $483 per year, making a senior’s premium for the same coverage $114 cheaper. Car insurance rates can increase when a driver becomes 70 or 80 years old.

Scroll for more

swipe icon
  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $167
    $14
  • Hanover
    $176
    $15
  • State Farm
    $221
    $18
  • State Farm
    $221
    $18
  • Hanover
    $226
    $19
  • Plymouth Rock Assurance
    $251
    $21
  • Vermont Mutual
    $252
    $21
  • Plymouth Rock Assurance
    $272
    $23
  • Hanover
    $289
    $24
  • Plymouth Rock Assurance
    $326
    $27
  • GEICO
    $327
    $27
  • Chubb
    $337
    $28
  • Arbella
    $349
    $29
  • Chubb
    $353
    $29
  • Vermont Mutual
    $359
    $30
  • Allstate
    $363
    $30
  • American Family
    $365
    $30
  • American Family
    $366
    $31
  • State Farm
    $369
    $31
  • Vermont Mutual
    $409
    $34
  • Amica Mutual
    $413
    $34
  • American Family
    $425
    $35
  • Amica Mutual
    $440
    $37
  • Amica Mutual
    $444
    $37
  • Chubb
    $456
    $38
  • Arbella
    $460
    $38
  • GEICO
    $469
    $39
  • Arbella
    $472
    $39
  • State Farm
    $483
    $40
  • State Farm
    $483
    $40
  • Safety Group
    $485
    $40
  • Allstate
    $494
    $41
  • GEICO
    $514
    $43
  • Vermont Mutual
    $533
    $44
  • Allstate
    $537
    $45
  • GEICO
    $572
    $48
  • Travelers
    $604
    $50
  • Progressive
    $640
    $53
  • Hanover
    $659
    $55
  • Plymouth Rock Assurance
    $752
    $63
  • Vermont Mutual
    $761
    $63
  • Travelers
    $769
    $64
  • Progressive
    $773
    $64
  • Safety Group
    $774
    $65
  • Allstate
    $784
    $65
  • American Family
    $801
    $67
  • Arbella
    $809
    $67
  • Progressive
    $815
    $68
  • Travelers
    $815
    $68
  • American Family
    $817
    $68
  • GEICO
    $834
    $69
  • Safety Group
    $834
    $69
  • Plymouth Rock Assurance
    $838
    $70
  • Hanover
    $865
    $72
  • Vermont Mutual
    $867
    $72
  • GEICO
    $923
    $77
  • American Family
    $932
    $78
  • Amica Mutual
    $968
    $81
  • Amica Mutual
    $1,003
    $84
  • Chubb
    $1,008
    $84
  • Plymouth Rock Assurance
    $1,027
    $86
  • Chubb
    $1,049
    $87
  • Allstate
    $1,057
    $88
  • Arbella
    $1,058
    $88
  • Arbella
    $1,081
    $90
  • Amica Mutual
    $1,098
    $92
  • Hanover
    $1,098
    $92
  • Allstate
    $1,156
    $96
  • Safety Group
    $1,194
    $100
  • Progressive
    $1,202
    $100
  • Progressive
    $1,316
    $110
  • Chubb
    $1,347
    $112
  • Travelers
    $1,396
    $116
  • Progressive
    $1,571
    $131
  • Travelers
    $1,739
    $145
  • Safety Group
    $1,911
    $159
  • Travelers
    $1,916
    $160
  • Safety Group
    $2,056
    $171

Senior drivers can save money thanks to discounts from certain insurers. Allstate, American Family 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 in Massachusetts After a Ticket, Accident or DUI (January 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 State Farm.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: State Farm ($552 per year)
Cheapest after an accident: State Farm ($732 per year)
Cheapest after a DUI: State Farm ($875 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:

  • State Farm: $552 per year
  • GEICO: $931 per year

At around $2,287 annually, Travelers could be the most expensive company for you after getting a ticket.

Drivers with a ticket pay up to $195 more per year compared with a driver with a clean record.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $198
    $17
  • State Farm
    $263
    $22
  • State Farm
    $263
    $22
  • Hanover
    $296
    $25
  • Vermont Mutual
    $334
    $28
  • Allstate
    $363
    $30
  • GEICO
    $375
    $31
  • Plymouth Rock Assurance
    $384
    $32
  • Hanover
    $386
    $32
  • Arbella
    $387
    $32
  • Plymouth Rock Assurance
    $397
    $33
  • State Farm
    $421
    $35
  • Plymouth Rock Assurance
    $443
    $37
  • Hanover
    $455
    $38
  • Vermont Mutual
    $477
    $40
  • Chubb
    $480
    $40
  • Allstate
    $484
    $40
  • American Family
    $495
    $41
  • American Family
    $503
    $42
  • Chubb
    $503
    $42
  • Amica Mutual
    $507
    $42
  • Arbella
    $510
    $42
  • Arbella
    $523
    $44
  • GEICO
    $524
    $44
  • Allstate
    $537
    $45
  • Vermont Mutual
    $543
    $45
  • Amica Mutual
    $545
    $45
  • Amica Mutual
    $550
    $46
  • State Farm
    $552
    $46
  • State Farm
    $552
    $46
  • GEICO
    $556
    $46
  • Safety Group
    $579
    $48
  • American Family
    $581
    $48
  • Chubb
    $651
    $54
  • GEICO
    $654
    $54
  • Vermont Mutual
    $764
    $64
  • Allstate
    $784
    $65
  • Progressive
    $792
    $66
  • Travelers
    $799
    $67
  • Progressive
    $874
    $73
  • Arbella
    $877
    $73
  • Safety Group
    $928
    $77
  • GEICO
    $931
    $78
  • Progressive
    $961
    $80
  • Safety Group
    $999
    $83
  • GEICO
    $1,001
    $83
  • Travelers
    $1,013
    $84
  • Allstate
    $1,042
    $87
  • Travelers
    $1,079
    $90
  • Hanover
    $1,088
    $91
  • Vermont Mutual
    $1,089
    $91
  • American Family
    $1,118
    $93
  • Amica Mutual
    $1,131
    $94
  • American Family
    $1,143
    $95
  • Arbella
    $1,149
    $96
  • Allstate
    $1,156
    $96
  • Arbella
    $1,173
    $98
  • Amica Mutual
    $1,185
    $99
  • Plymouth Rock Assurance
    $1,202
    $100
  • Plymouth Rock Assurance
    $1,225
    $102
  • Vermont Mutual
    $1,241
    $103
  • Amica Mutual
    $1,299
    $108
  • American Family
    $1,300
    $108
  • Chubb
    $1,392
    $116
  • Safety Group
    $1,417
    $118
  • Plymouth Rock Assurance
    $1,425
    $119
  • Hanover
    $1,433
    $119
  • Chubb
    $1,449
    $121
  • Progressive
    $1,576
    $131
  • Progressive
    $1,653
    $138
  • Hanover
    $1,689
    $141
  • Travelers
    $1,825
    $152
  • Chubb
    $1,868
    $156
  • Progressive
    $1,936
    $161
  • Safety Group
    $2,271
    $189
  • Travelers
    $2,287
    $191
  • Safety Group
    $2,443
    $204
  • Travelers
    $2,532
    $211

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:

  • State Farm: $732 per year
  • American Family: $1,118 per year

Safety Group is the most expensive company for drivers with an at-fault accident on their record. The average premium for this type of policy is $3,440 per year.

On average, the cost of car insurance increases by $461 after an at-fault accident.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $281
    $23
  • Hanover
    $321
    $27
  • State Farm
    $373
    $31
  • State Farm
    $373
    $31
  • Hanover
    $418
    $35
  • Plymouth Rock Assurance
    $421
    $35
  • Plymouth Rock Assurance
    $452
    $38
  • Arbella
    $476
    $40
  • Vermont Mutual
    $484
    $40
  • Plymouth Rock Assurance
    $484
    $40
  • Hanover
    $487
    $41
  • American Family
    $495
    $41
  • American Family
    $503
    $42
  • GEICO
    $527
    $44
  • State Farm
    $557
    $46
  • American Family
    $581
    $48
  • Allstate
    $626
    $52
  • Arbella
    $630
    $53
  • Arbella
    $645
    $54
  • Vermont Mutual
    $689
    $57
  • Chubb
    $692
    $58
  • GEICO
    $709
    $59
  • Amica Mutual
    $715
    $60
  • Chubb
    $726
    $61
  • GEICO
    $730
    $61
  • State Farm
    $732
    $61
  • State Farm
    $732
    $61
  • Amica Mutual
    $768
    $64
  • Amica Mutual
    $774
    $65
  • Vermont Mutual
    $785
    $65
  • Allstate
    $834
    $69
  • GEICO
    $906
    $76
  • Safety Group
    $919
    $77
  • Allstate
    $926
    $77
  • Chubb
    $940
    $78
  • Travelers
    $941
    $78
  • Progressive
    $942
    $78
  • Progressive
    $1,038
    $87
  • Arbella
    $1,041
    $87
  • Vermont Mutual
    $1,073
    $89
  • American Family
    $1,118
    $93
  • Progressive
    $1,131
    $94
  • American Family
    $1,143
    $95
  • Hanover
    $1,184
    $99
  • Travelers
    $1,193
    $99
  • Plymouth Rock Assurance
    $1,235
    $103
  • GEICO
    $1,245
    $104
  • Travelers
    $1,275
    $106
  • Plymouth Rock Assurance
    $1,287
    $107
  • Allstate
    $1,290
    $108
  • GEICO
    $1,298
    $108
  • American Family
    $1,300
    $108
  • Arbella
    $1,367
    $114
  • Arbella
    $1,398
    $116
  • Plymouth Rock Assurance
    $1,464
    $122
  • Safety Group
    $1,478
    $123
  • Amica Mutual
    $1,498
    $125
  • Vermont Mutual
    $1,529
    $127
  • Hanover
    $1,559
    $130
  • Amica Mutual
    $1,571
    $131
  • Safety Group
    $1,591
    $133
  • Allstate
    $1,719
    $143
  • Amica Mutual
    $1,726
    $144
  • Vermont Mutual
    $1,743
    $145
  • Hanover
    $1,817
    $151
  • Progressive
    $1,855
    $155
  • Allstate
    $1,916
    $160
  • Chubb
    $1,921
    $160
  • Progressive
    $1,958
    $163
  • Chubb
    $2,005
    $167
  • Safety Group
    $2,140
    $178
  • Travelers
    $2,145
    $179
  • Progressive
    $2,279
    $190
  • Chubb
    $2,591
    $216
  • Travelers
    $2,692
    $224
  • Travelers
    $2,995
    $250
  • Safety Group
    $3,440
    $287
  • Safety Group
    $3,701
    $308

Cheapest Car Insurance in Massachusetts After a DUI

On average, the cheapest car insurance companies in Massachusetts for drivers with a DUI are:

  • State Farm: $875 per year
  • Hanover: $1,263 per year

The most expensive company for drivers with a DUI on their record is Safety Group, offering policies with an average cost of $4,259 per year.

Drivers with DUIs on their records pay up to $617 more for car insurance compared with drivers with clean records.

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  • Company
    Annual Premium
    Monthly Premium
  • Hanover
    $241
    $20
  • Hanover
    $312
    $26
  • State Farm
    $337
    $28
  • Hanover
    $382
    $32
  • Plymouth Rock Assurance
    $437
    $36
  • State Farm
    $447
    $37
  • State Farm
    $447
    $37
  • Plymouth Rock Assurance
    $474
    $40
  • Plymouth Rock Assurance
    $484
    $40
  • Vermont Mutual
    $583
    $49
  • American Family
    $600
    $50
  • American Family
    $609
    $51
  • GEICO
    $632
    $53
  • State Farm
    $664
    $55
  • Arbella
    $694
    $58
  • American Family
    $703
    $59
  • Progressive
    $737
    $61
  • Allstate
    $754
    $63
  • Progressive
    $810
    $67
  • GEICO
    $815
    $68
  • GEICO
    $818
    $68
  • Vermont Mutual
    $831
    $69
  • Chubb
    $833
    $69
  • Chubb
    $875
    $73
  • State Farm
    $875
    $73
  • State Farm
    $875
    $73
  • Progressive
    $898
    $75
  • Amica Mutual
    $912
    $76
  • Arbella
    $920
    $77
  • Arbella
    $944
    $79
  • Vermont Mutual
    $947
    $79
  • Hanover
    $959
    $80
  • Travelers
    $964
    $80
  • Amica Mutual
    $980
    $82
  • Amica Mutual
    $989
    $82
  • Allstate
    $1,003
    $84
  • GEICO
    $1,079
    $90
  • Safety Group
    $1,105
    $92
  • Allstate
    $1,113
    $93
  • Chubb
    $1,134
    $94
  • Travelers
    $1,228
    $102
  • Hanover
    $1,263
    $105
  • Plymouth Rock Assurance
    $1,295
    $108
  • Travelers
    $1,308
    $109
  • Plymouth Rock Assurance
    $1,353
    $113
  • American Family
    $1,373
    $114
  • Vermont Mutual
    $1,387
    $116
  • American Family
    $1,402
    $117
  • GEICO
    $1,430
    $119
  • GEICO
    $1,461
    $122
  • Progressive
    $1,476
    $123
  • Arbella
    $1,482
    $124
  • Plymouth Rock Assurance
    $1,493
    $124
  • Progressive
    $1,530
    $128
  • Hanover
    $1,534
    $128
  • Allstate
    $1,579
    $132
  • American Family
    $1,595
    $133
  • Safety Group
    $1,779
    $148
  • Progressive
    $1,812
    $151
  • Amica Mutual
    $1,907
    $159
  • Safety Group
    $1,915
    $160
  • Arbella
    $1,954
    $163
  • Vermont Mutual
    $1,975
    $165
  • Arbella
    $2,000
    $167
  • Amica Mutual
    $2,001
    $167
  • Allstate
    $2,104
    $175
  • Travelers
    $2,133
    $178
  • Amica Mutual
    $2,200
    $183
  • Vermont Mutual
    $2,254
    $188
  • Chubb
    $2,274
    $190
  • Allstate
    $2,351
    $196
  • Chubb
    $2,375
    $198
  • Safety Group
    $2,645
    $220
  • Travelers
    $2,684
    $224
  • Travelers
    $2,973
    $248
  • Chubb
    $3,071
    $256
  • Safety Group
    $4,259
    $355
  • Safety Group
    $4,582
    $382

Cheapest Car Insurance in Massachusetts for Sports Cars (January 2023)

On average, the cheapest car insurance companies for drivers in Massachusetts with a sports car are:

  • State Farm: $519 per year
  • American Family: $916 per year

The most expensive car insurance for sports cars is Travelers, with an average premium of $1,614 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 $13 more annually for coverage than sports car drivers in the state.

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  • Company
    Annual Premium
    Monthly Premium
  • State Farm
    $167
    $14
  • State Farm
    $221
    $18
  • State Farm
    $221
    $18
  • Allstate
    $284
    $24
  • GEICO
    $330
    $27
  • Chubb
    $337
    $28
  • Chubb
    $353
    $29
  • American Family
    $365
    $30
  • American Family
    $366
    $31
  • Allstate
    $377
    $31
  • State Farm
    $396
    $33
  • Allstate
    $417
    $35
  • American Family
    $425
    $35
  • Chubb
    $456
    $38
  • GEICO
    $474
    $39
  • Travelers
    $506
    $42
  • State Farm
    $519
    $43
  • State Farm
    $519
    $43
  • GEICO
    $519
    $43
  • Progressive
    $583
    $49
  • GEICO
    $635
    $53
  • Travelers
    $643
    $54
  • Travelers
    $680
    $57
  • Progressive
    $685
    $57
  • Progressive
    $776
    $65
  • Allstate
    $793
    $66
  • American Family
    $916
    $76
  • GEICO
    $932
    $78
  • American Family
    $937
    $78
  • GEICO
    $1,033
    $86
  • Allstate
    $1,057
    $88
  • American Family
    $1,067
    $89
  • Chubb
    $1,163
    $97
  • Allstate
    $1,164
    $97
  • Chubb
    $1,210
    $101
  • Progressive
    $1,293
    $108
  • Travelers
    $1,296
    $108
  • Progressive
    $1,511
    $126
  • Chubb
    $1,557
    $130
  • Travelers
    $1,614
    $135
  • Travelers
    $1,782
    $148
  • Progressive
    $1,905
    $159

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 (January 2023)

State Farm offers the most affordable auto insurance rates in Massachusetts for active-duty personnel and veterans. On average, a car insurance policy from State Farm costs $483 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 $769 per year. It’s accessible in every state and provides quality customer service without sacrificing cost.

mglogo
MoneyGeek Top Pick
State Farm
  • $483 per year
  • First out of 14 companies

Although State Farm 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 with State Farm.

Installing some vehicle equipment, like an airbag 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 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.

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  • City
    Cheapest Company
    Annual Premium
  • Boston
    State Farm
    $945
  • Cambridge
    State Farm
    $561
  • Lowell
    State Farm
    $583
  • Springfield
    State Farm
    $731
  • Worcester
    State Farm
    $692

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 protection in case of an accident. MoneyGeek recommends increasing your liability coverage as much as your budget allows.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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.

  • This is an icon

    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 may need you to obtain comprehensive and collision insurance if you finance your car. 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.

  1. What are the key factors drivers in Massachusetts should look for when searching for the best auto insurance coverage?
  2. What steps can drivers in Massachusetts take to find affordable car insurance?
Erik Jefferson, CFA, CAIA, CWS
Erik Jefferson, CFA, CAIA, CWS

Chief Investment Officer at Flagship Harbor Advisors

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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