State Farm is the cheapest company overall in Massachusetts.
Consider checking the best car insurance in Massachusetts if you’re looking for a balance of cost and quality service.
Table of Contents
Cheapest Minimum Liability Car Insurance in Massachusetts (November 2023)
On average, the cheapest car insurance companies for a minimum coverage policy in Massachusetts are:
- State Farm: $221 per year
- Vermont Mutual: $270 per year
Progressive is the most expensive company for minimum coverage, with an average premium of $838 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 (November 2023)
On average, the cheapest car insurance companies for a full coverage policy in Massachusetts are:
- State Farm: $483 per year
- Plymouth Rock Assurance: $783 per year
The most expensive company for a full coverage policy is Travelers, with an average premium of $1,791 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.
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 (November 2023)
Age is one of the biggest factors affecting car insurance rates in Massachusetts. MoneyGeek found that State Farm offers the cheapest option for all age brackets.
Cheapest Car Insurance in Massachusetts for Teens and Their Families (November 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 (November 2023)
The cheapest car insurance companies in Massachusetts for young adult drivers with full coverage are, on average:
- State Farm: $483 per year
- Safety Group: $919 per year
Travelers offers the most expensive full coverage policy for young adults, at an average of $1,967 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 $1,823 per year with Travelers for full coverage in Massachusetts, roughly $183 less than a 25-year-old.
Cheapest Car Insurance in Massachusetts for Seniors (November 2023)
The cheapest car insurance companies in Massachusetts for senior drivers are, on average:
- State Farm: $369 per year
- Safety Group: $535 per year
The most expensive company for seniors is Travelers, with an average premium of $1,435 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 State Farm full coverage policy costs around $483 per year, making a 65-year-old senior's premium for the same coverage roughly $114 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 (November 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 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
- Safety Group: $1,015 per year
At around $2,352 annually, Travelers could be the most expensive company for you after getting a ticket.
Drivers with a ticket pay up to $283 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:
- State Farm: $732 per year
- American Family: $1,118 per year
Travelers is the most expensive company for drivers with an at-fault accident on their record. The average premium is $2,767 per year.
On average, the cost of car insurance increases by $635 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:
- State Farm: $875 per year
- Plymouth Rock: $1,207 per year
The most expensive company for drivers with a DUI on their record is Travelers, offering policies with an average cost of $2,767 per year.
Drivers with DUIs on their records pay up to $840 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 (November 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 Progressive, with an average premium of $1,738 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 $141 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 (November 2023)
State Farm 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 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 $946 per year. It’s accessible in every state and provides quality customer service.
- $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.
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.
- How does the Massachusetts Department of Insurance act as a resource for consumers regarding auto insurance? And home insurance?
- 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?
- What resources does the Massachusetts Department of Insurance have for consumers?
Assistant Professor of Finance at Westfield State University
Chief Investment Officer at Flagship Harbor Advisors
About Mark Fitzpatrick
- Commonwealth of Massachusetts. "Massachusetts Auto Insurance Plan (MAIP)." Accessed December 19, 2022.