Massachusetts drivers looking for the best car insurance in the state will have to consider personalized factors, including their age, driving record, credit history and location. To find the best rates and appropriate coverage, compare personalized quotes from multiple insurance providers. MoneyGeek's rankings illustrate a potential savings of $1,625 when comparing car insurance premiums from popular companies in Massachusetts.
The Best Cheap Car Insurance in Massachusetts for 2021
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Cheapest Car Insurance Companies and Quotes in Massachusetts
To help you find affordable car insurance in Massachusetts, MoneyGeek ranked carriers based on their average annual rates for comprehensive and collision coverage. It is important to note that individualized factors will impact the final cost of auto insurance. Therefore, to know how much your premium will be, it is best to compare quotes and plans from various providers.
Average Comprehensive and Collision Rates in Massachusetts
- CompanyAnnuallyMonthly
- 1. Safety Group$730$61
- $778$65
- 3. State Farm$782$65
- 4. GEICO$800$67
- 5. MetLife$851$71
The table lists typical prices for the average driver’s annual premiums. These numbers are only averages, so it will be necessary to get custom quotes from insurance providers in Massachusetts. Your premium may end up higher or lower than these averages due to your circumstances. Some carriers may also offer discounts and other incentives.
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Cheapest Liability Car Insurance in Massachusetts
Liability insurance covers the damage and injuries you cause to other drivers in an at-fault accident. It does not cover your own medical and vehicle repair costs. In Massachusetts, State Farm offers the cheapest average annual premium of $323 for the state minimum liability-only coverage. State Farm is also the most affordable option for 50/100/50 liability-only insurance, with an average annual rate of $417.
Average Cost for Liability Coverage
- CompanyAnnuallyMonthly
- 1. State Farm$323$27
- $337$28
- 3. USAA$390$33
- 4. MetLife$401$33
- 5. Safety Group$405$34
The Best Car Insurance Companies in Massachusetts for 2021
Finding the best car insurance companies in Massachusetts requires the consideration of various factors, such as affordability, customer satisfaction, claims experience and financial strength. Using this information, MoneyGeek formulated a unique rating system that combines the ratings from J.D. Power and AM Best, along with industry standards for pricing, ratings and review. MoneyGeek weighed these criteria equally to determine the final ratings out of 100.
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While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
Market Share by Company
In Massachusetts, according to the National Association of Insurance Commissioners, the largest car insurance company is MAPFRE Insurance Group, which has 23.28% of the market share in the state.
- CompanyMarket Share
- 1. MAPFRE Insurance23.3%
- 2. GEICO12.7%
- 10.7%
- 4. Safety Group8.4%
- 7.7%
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What Is the Average Cost of Car Insurance in Massachusetts?
MoneyGeek calculated typical rates for comprehensive and collision insurance policies for the average driver, a 40-year-old male who owns a Toyota Camry with a clean driving record. Your auto insurance costs may be lower or higher depending on your age, coverage level and driving history, among other factors.
- Average Driver: $1,112
- DUI: $1,986
- Speeding Ticket: $1,384
- Seniors: $986
- Students: $2,639
Cheapest Car Insurance for Drivers With a DUI in Massachusetts
From 2009-2018, there were 1,243 fatal accidents involving alcohol in Massachusetts. 2.5% of Massachusetts drivers report getting behind the wheel after drinking too much in the past 30 days.
Having a DUI on your driving record comes with certain penalties, including up to 30 months in jail and fines ranging from $500 to $5,000. It also will have an adverse effect on your car insurance premiums as well.
Average Car Insurance Rates With a DUI
- CompanyAnnuallyMonthly
- $1,226$102
- 2. GEICO$1,365$114
- 3. State Farm$1,426$119
- 4. Progressive$1,606$134
- 5. MetLife$1,690$141
The effects of a DUI on your car insurance rates could carry over the long term, so it’s important for you to check with a variety of Massachusetts car insurance companies each year when it’s time to renew. Because each company weighs a DUI differently in their evaluation, rates will vary from insurer to insurer.
Cheapest Car Insurance With Tickets in Massachusetts
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.
Average Car Insurance Rates With a Ticket
- CompanyAnnuallyMonthly
- 1. GEICO$892$74
- 2. State Farm$893$74
- 3. MetLife$1,042$87
- 4. USAA$1,076$90
- 5. Allstate$1,103$92
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 Companies in Massachusetts for Drivers With Bad Credit
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 Companies in Massachusetts for Seniors
Keeping older drivers safe is a goal for everyone to achieve. In Massachusetts, 12.6% of drivers involved in fatal traffic crashes in 2017 were age 65 or older, per the National Highway Traffic Safety Administration. Although Massachusetts does not revoke driving privileges due to age, it does require all drivers age 75 and older to take an in-person vision test or to provide a vision screening certificate.
Average Car Insurance Rates for Seniors
- CompanyAnnuallyMonthly
- 1. State Farm$453$38
- 2. GEICO$607$51
- 3. Safety Group$679$57
- 4. MetLife$724$60
- 5. USAA$761$63
Car insurance for seniors in Massachusetts can be higher due to their elevated risk for accidents, something every car insurance company considers when quoting rates.
Cheapest Car Insurance for Students in Massachusetts
In Massachusetts, teen drivers with a learner's permit do not need to be listed on the policyholder's insurance. Once they get their junior operator's license (JOL), however, they should be listed under the parents' policy. Rather than purchasing cheap insurance for their teens, parents should invest in vehicles with high safety ratings and additional safety features, which qualifies them for lower payments thanks to a state mandate.
According to the Commonwealth of Massachusetts, motor vehicles are one of the leading causes of death among teen drivers. The good news is, there has been a sharp decline in injury rates for drivers ages 16 and 17. This decline can help keep car insurance costs down.
Average Car Insurance Rates for Students
- CompanyAnnuallyMonthly
- 1. State Farm$1,974$165
- 2. GEICO$2,416$201
- 3. Allstate$2,522$210
- 4. Progressive$3,583$299
Insurance Rate Information for Military Drivers and Veterans
If you're one of the approximately 3,500 active-duty military personnel stationed in Massachusetts, or even if it's already your home state, chances are discounts on auto insurance are available to you and your family. Veterans qualify, too.
The state attorney general's office offers tips on buying auto insurance in Massachusetts as well as the solid suggestion to get all premium quotes in writing as you compare car insurance rates. Once your insurance is covered, you can register the vehicle at the DMV. If you are a disabled veteran, you won't have to pay registration fees or property taxes on your vehicle. If you bought and registered a car or truck in your home state, you don't have to re-register in Massachusetts. You'll still have to carry at least the mandated minimum insurance under Massachusetts law while deployed here. There is one twist in the law: if you bought and registered a vehicle outside your home state and are then stationed in Massachusetts, you've got 30 days to register it in the state.
Average Rates for Massachusetts service members
25 years$1,703
50 years$1,515
50 years$1,515
25 years$1,703
50 years$1,515
50 years$1,515
Car Insurance in Massachusetts: What You Need to Know
Every driver in Massachusetts is required to have auto insurance or an approved alternative. Your car insurance must include four types of coverage:
- Liability insurance for injuries
- Liability insurance for property damage
- Personal injury insurance
- Insurance against uninsured motorists
All licensed drivers in the household must be listed on a car's insurance plan unless they submit an exclusion form to their insurance company.
Proof of Insurance in Massachusetts
To register a car in Massachusetts, drivers must first insure it. From that point forward, they do not need to carry an insurance card — their insurance information will be on their registration, which should be kept inside the vehicle. Drivers need to show their registration when a police officer asks to see it, when they register their vehicle and after a car accident.
Minimum Liability Insurance Requirements in Massachusetts
Here's the breakdown of the minimum amounts needed on a Massachusetts car insurance policy:
- $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
These are just the minimum requirements, and experts recommend carrying more liability insurance coverage.
Alternatives to Insurance in Massachusetts
The commonwealth of Massachusetts encourages motorists to get traditional auto insurance, but drivers can skip this requirement if they put down at least $10,000 as a cash deposit or liability bond. This money will be used to settle claims should the driver cause an accident, but it's unlikely to meet the total costs. Drivers who choose this route should be aware that other parties can pursue their assets if they don't have auto insurance.
How Much Coverage Do You Need in Massachusetts?
Cheap car insurance is great — provided you never crash your car. When accidents happen, the minimum level of insurance likely won't be enough to cover costs. According to the Insurance Information Institute, drivers should aim for $100,000/$300,000 of injury liability coverage, far above the levels mandated by Massachusetts.
And while collision and comprehensive coverage are optional, if you have a newer model car, you may want to consider getting those as well.
Massachusetts requires insurance companies to offer discounts to drivers with a history of careful driving. The state also requires discounts for drivers over the age of 65 and for cars with certain safety and security features, including anti-theft devices. Individual insurance companies may offer their own discounts in addition to those listed.
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sources
- Centers for Disease Control and Prevention. "Sobering Facts: Alcohol-Impaired Driving State Facts Sheets." Accessed January 15, 2021.
- Commonwealth of Massachusetts. "Older drivers." Accessed January 18, 2021.
- Commonwealth of Massachusetts. "Transportation Safety and Injury Prevention." Accessed March 13, 2020.
- 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 Association of Insurance Commissioners. "2018 Market Share Reports for Property/Casualty Groups and Companies By State and Countrywide." Accessed March 13, 2020.
- National Highway Traffic Safety Administration. "NHTSA FATALITY ANALYSIS REPORTING SYSTEM (FARS)." Accessed March 9, 2020.
- National Highway Traffic Safety Administration. "Traffic Safety Facts 2017 Data: Older Population." Accessed January 15, 2021.
- NOLO. "DUI Laws by State." Accessed January 18, 2021.