The Cheapest Car Insurance in Massachusetts for 2022
MoneyGeek compared quotes from 10 different companies to see which company in Massachusetts offers the cheapest rates. The majority of Massachusetts drivers get the cheapest liability insurance from State Farm, at an average of $331 per year.
Your needs and driving record, among other factors, will decide your most cost-effective option. For instance, Plymouth Rock Assurance has the cheapest quotes for drivers with DUI, while GEICO is the cheapest for ticketed drivers. State Farm is the cheapest alternative for senior citizens. That said, the average Massachusetts driver could save up to $1,667 a year by comparing insurance rates.
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The Cheapest Car Insurance in Massachusetts
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.
Why Trust MoneyGeek? Massachusetts car insurance rates in this study are based on our analysis of data and information from the Massachusetts Department of Insurance and Quadrant Information Services.
These rates were updated in August 2022 to reflect how car insurance rates in Massachusetts have changed up to this month.
Cheapest Minimum Liability Car Insurance in Massachusetts
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.
CHEAPEST MINIMUM CAR INSURANCE IN MASSACHUSETTS
These prices are only estimates based on rates for an average Massachusetts driver and should not be used to compare insurance prices.
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Cheapest Full Coverage Car Insurance in Massachusetts
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.
CHEAPEST FULL COVERAGE CAR INSURANCE IN MASSACHUSETTS
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.
How to Compare Cheap Massachusetts Car Insurance Quotes Online
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.
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Cheapest Car Insurance in Massachusetts for Young Drivers
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.
ANNUAL CAR INSURANCE IN MASSACHUSETTS FOR YOUNG DRIVERS
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- AgeAverage CostCheapest CompanyCompany Cost
- 16$2,689State Farm$2,024
- 17$2,598State Farm$2,024
- 18$2,504State Farm$2,024
- 22$1,301State Farm$797
- 23$1,192State Farm$797
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.
Cheapest Car Insurance in Massachusetts for Seniors
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.
CHEAPEST CAR INSURANCE RATES FOR SENIORS
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.
Cheapest Car Insurance for Drivers With Tickets in Massachusetts
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.
AVERAGE CAR INSURANCE RATES WITH A TICKET
Moving violations like speeding or distracted driving tickets can lead to higher car insurance premiums. Drivers with these tickets on their records are seen as higher-risk drivers in the eyes of the insurance companies. In fact, according to the National Highway Traffic Safety Administration, in Massachusetts, there were 343 accidents in 2018 related to distracted driving, another factor the insurance companies take into account when determining risk and, thus, insurance rates.
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.
Cheapest Car Insurance for Drivers With a DUI in Massachusetts
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.
AVERAGE CAR INSURANCE RATES WITH A DUI
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.
Cheapest in Massachusetts for Drivers With an At-Fault Accident
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.
CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Cheapest Car Insurance in Massachusetts for Drivers With Bad Credit
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.
Cheapest Car Insurance in Massachusetts for Military Drivers
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.
- Average rate: $390 per year
- Ranks the cheapest out of ten insurers
USAA is the third cheapest car insurance provider in Massachusetts, with an average annual premium of $390. To save even more, qualified policyholders can take advantage of USAA's numerous discounts. For example, if you park your car on base or have a good driving record for five years, you can save money on your insurance premiums.
Cheapest Car Insurance in Massachusetts by City
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.
AVERAGE INSURANCE RATE BY CITY IN MASSACHUSETTS
Car Insurance in Massachusetts: What You Need to Know
Drivers in Massachusetts must have car insurance or an alternative that is approved by the state in order to drive legally.
Massachusetts Insurance Requirements
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.
FAQs About Car Insurance in Massachusetts
To help you find the right car insurance service, MoneyGeek answered frequently asked questions about coverage and costs.
Expert Advice on Finding Cheap Car Insurance in Massachusetts
To help you find credible and accurate insight on 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 the Author
- Commonwealth of Massachusetts. "Understanding Auto Insurance." Accessed January 18, 2021.
- Experian. "Experian 2019 Consumer Credit Review." Accessed March 7, 2020.
- Governing: The Future of States and Localities. "Military Active-Duty Personnel, Civilians by State." Accessed January 18, 2021.
- National Highway Traffic Safety Administration. "NHTSA FATALITY ANALYSIS REPORTING SYSTEM (FARS)." Accessed March 9, 2020.