The Cheapest Car Insurance in Massachusetts for 2022

For those looking for personalized prices based on their location, MoneyGeek listed the most affordable insurance providers in Massachusetts by city. In addition, MoneyGeek also researched the best insurance providers in Massachusetts that offer both competitive rates and great customer service.

In Massachusetts, the most economical choice is state minimum liability insurance. However, this coverage only pays for the damages and injuries you cause to other parties in an at-fault accident. It protects you against claims arising from accidents that cause physical harm or property damage to the other party.

On average, the following companies in Massachusetts provide the cheapest insurance for the state minimum liability coverage:

• State Farm: $331 per year
• Plymouth Rock Assurance: $346 per year

The minimum coverage offered by Travelers is the most expensive, costing an average of $1,213 per year.

These prices are only estimates based on rates for an average Massachusetts driver and should not be used to compare insurance prices.

If you have full coverage insurance, which offers higher liability limits as well as comprehensive and collision insurance, you and your vehicle will have extended protection from collisions as well as non-crash damage. As a result, full coverage insurance costs more than the state minimum policy.

According to MoneyGeek's analysis, the following companies in Massachusetts offer the cheapest full coverage insurance, on average:

• Safety Group: $749 per year
• Plymouth Rock Assurance: $798 per year

Travelers is the most expensive company for full coverage policies, at approximately $2,415 per year.

Keep in mind that the price of your insurance will vary from these examples. Costs are for a policy with comprehensive and collision insurance and $100,000 in bodily injury liability coverage per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.

You can easily get an accurate quote through most insurance providers’ websites. Identify how much coverage you require so you can compare carriers using consistent limits. For instance, if you get a quote with one insurer for $50,000 in bodily liability insurance per accident, make sure to use the same limit when obtaining quotes from another company.

Massachusetts drivers can compare car insurance quotes using the MoneyGeek calculator. For personalized quotes, you will need to provide more personal information. In Massachusetts, State Farm, Plymouth Rock Assurance and USAA are the three cheapest car insurance providers. MoneyGeek recommends you start your search by comparing quotes with these companies to obtain low rates and quality coverage.

In general, more insurance claims are made by young drivers. Insurance companies categorize them as high-risk and charge them higher premiums. According to our research, a 16-year-old driver in Massachusetts pays $2,689 per year for car insurance, while a 25-year-old driver pays an average of $1,070, a huge difference of $1,619.

When MoneyGeek analyzed the Massachusetts insurance plans for drivers between the ages of 16 and 25, we found that State Farm offers the cheapest coverage for drivers of most age groups. However, if you are between the ages of 19 and 21, GEICO is the cheapest.

The average rates for drivers of various ages reveal considerable variations. In Massachusetts, State Farm has the lowest average for 16-year-olds at $2,024 per year and for 25-year-olds at $797 per year. A nine-year age difference resulted in an approximately $1,227 annual rate rise, according to our estimates.

For teens to save money on their insurance premiums, taking advantage of discounts like the good student discount or getting added to their parent’s policy are good strategies to use.

When it comes to auto insurance, senior drivers typically face higher premiums than the average adult. However, this is not the case in Massachusetts. As per MoneyGeek’s research, seniors in Massachusetts pay an average of $1,011 a year for car insurance, compared to $1,140 for the typical adult driver in the state.

The cheapest auto insurers for senior drivers in Massachusetts that need full coverage insurance are:

• State Farm: $465 per year
• GEICO: $623 per year

On the other hand, a policy from Travelers is the most expensive for seniors, costing an average of $2,218 per year.

Due to the possibility of an increase in insurance costs with age, even seniors with impeccable driving records may have their premiums rise over time. In Massachusetts, the average insurance premium for elderly drivers is $1,011. Although this is less than what the average adult in the state pays, it is only an average based on MoneyGeek's assessment of the average motorist.

By comparing insurance quotes from many carriers, seniors might be able to save money on their premiums. According to MoneyGeek's findings, seniors in Massachusetts could save around $1,753 annually by selecting the state's cheapest provider.

Even if you commit a small traffic violation, your insurance costs may be higher. The annual average auto insurance premium for drivers with speeding tickets is $1,419, compared to approximately $1,140 for drivers without violations.

According to MoneyGeek’s research, the following companies offer the cheapest full coverage auto insurance for ticketed drivers in Massachusetts, on average:

• GEICO: $914 per year
• State Farm: $915 per year

The most expensive company for those with tickets is Travelers, with rates as high as $3,194 per year.

There’s no set timeframe for how long a speeding or distracted driving ticket can affect car insurance rates, but it definitely will have short-term effects. To keep rates affordable, check with a number of Massachusetts car insurance companies for personalized quotes based on your individual factors before renewing your policy each year.

In Massachusetts, drivers with clean records pay around $1,140 a year, but a driver with a DUI pays around $2,036.

On average, the following companies offer the state’s cheapest full coverage car insurance for those with a DUI:

• Plymouth Rock Assurance: $1,257 per year
• GEICO: $1,399 per year

The most expensive insurer, Travelers, costs around $3,823 annually.

DUI convictions in Massachusetts may result in fines, jail time or license suspension. Additionally, you can expect years of higher insurance premiums.

There is a $2,566 disparity between the state's cheapest and most costly insurer for drivers with Duis. For those charged with a DUI in Massachusetts, it is wise to search around for the most affordable option.

Your driving record has a significant impact on your insurance premiums. Individuals with a history of being at fault in an accident pay an average of $1,833 in average annual insurance premiums, whereas those with a clean driving record pay $1,140.

The following companies offer the cheapest auto insurance in Massachusetts to those with a history of at-fault accidents:

• Plymouth Rock Assurance: $1,206 per year
• State Farm: $1,217 per year

In contrast, Travelers, the most expensive insurance carrier, quotes as high as $3,771 per year.

Unlike in most other states, insurance providers in Massachusetts cannot use a person’s credit score to determine their premiums. However, it’s still crucial to maintain a good credit score, as it can help you obtain loans, rentals and more. For Massachusetts, the average credit score is 723, which is higher than the national average of 703 for 2019. A good credit score is generally considered to be 700 and higher.

While many states use a driver’s credit score to impact rates, Massachusetts state law protects drivers from rate increases based on credit score. For Massachusetts, the average credit score is 723, higher than the national average of 703 for 2019. A good credit score is generally considered to be 700 and higher. While a lower score shouldn’t inform your car insurance rates in Massachusetts, it could impact other areas of your finances, like home loans and credit lines. Raising your credit score could help you improve your finances overall.

USAA is the third most affordable auto insurance company in Massachusetts. Despite its third-place ranking among affordable providers, USAA is notable for serving active-duty military members, veterans and their families exclusively, with benefits tailored to these groups.

The cost of car insurance usually varies depending on where you live. For example, drivers who stay in Boston pay an average of $1,112 per year, while those in Worcester pay $1,133 per year. That means if you stay in Boston, you will pay lower rates than the three cities included in MoneyGeek’s research, including Springfield.

You can get more information about auto insurance rates for your area by clicking on your city.

Drivers in Massachusetts must have car insurance or an alternative that is approved by the state in order to drive legally.

The state of Massachusetts requires drivers to provide proof of insurance if requested by a police officer or during an accident.

Drivers in Massachusetts must meet the following minimum coverage requirements:

• $20,000 per person for third-party bodily injury
• $40,000 per accident for third-party bodily injury
• $20,000 per person for injuries caused by an uninsured driver
• $40,000 per accident for injuries caused by an uninsured driver
• $8,000 of personal injury protection per person/accident
• $5,000 of property damage protection per accident

Having liability insurance can protect the insured from having to pay out-of-pocket damages during an at-fault accident. A policy with $100,000 per person and $300,000 per accident bodily injury liability insurance policy is recommended by the Insurance Information Institute.

Collision and comprehensive coverage are often recommended for newer or expensive vehicles. While collision insurance only covers damage caused by collisions with cars or fixed objects, comprehensive insurance covers damage to your automobile from causes other than a collision, such as theft, fire, vandalism and floods.

Although Massachusetts’ state law encourages drivers to purchase regular auto insurance, drivers can opt-out of this obligation by making a $10,000 cash deposit or liability bond. If the driver causes an accident, this money will be used to pay claims, although it may not cover all costs. It is important for drivers to know that if they don't have auto insurance, other parties may be able to pursue their assets.

To help you find the right car insurance service, MoneyGeek answered frequently asked questions about coverage and costs.