Cheapest Car Insurance in Massachusetts (June 2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
Contribution by1 expert
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byDenise Cristobal
Contribution by1 expert
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Updated: June 14, 2024

Advertising & Editorial Disclosure

Overall, State Farm is the cheapest car insurance provider in Massachusetts. It offers the most affordable policies for drivers with different profiles.

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

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 reflect the cheapest car insurance quotes in Massachusetts as of June 2024.

22,050Quotes Analyzed
 
14Companies Compared
 
81ZIP Codes

Cheapest Minimum Liability Car Insurance in Massachusetts (June 2024)

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

Travelers is the most expensive company for minimum coverage, with an average premium of $813 per year. A minimum coverage policy only includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and personal injury protection.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Minimum Coverage
State FarmAnnual Premium$221Monthly Premium$18
Vermont MutualAnnual Premium$270Monthly Premium$23
HanoverAnnual Premium$282Monthly Premium$24
Safety GroupAnnual Premium$288Monthly Premium$24
Plymouth Rock AssuranceAnnual Premium$304Monthly Premium$25
ChubbAnnual Premium$337Monthly Premium$28
American FamilyAnnual Premium$365Monthly Premium$30
Amica MutualAnnual Premium$517Monthly Premium$43

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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Find the Best Car Insurance in Massachusetts for You

 

The cost of your policy depends on your preferences and the amount of coverage you need. The table above contains quotes for a minimum coverage policy in Massachusetts.

Learn more about how much car insurance you need.

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MoneyGeek ranked several car insurance companies based on customer satisfaction and affordability to find the best car insurance in Massachusetts.

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MoneyGeek analyzed how the average cost of car insurance in Massachusetts changes depending on specific factors.

Cheapest Full Coverage Car Insurance in Massachusetts (June 2024)

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

  • State Farm: $483 per year
  • Plymouth Rock Assurance: $775 per year

Travelers is the most expensive company for a full coverage policy, with an average premium of $1,947 per year.

Getting a full coverage policy from State Farm is around $262 more than purchasing its minimum coverage. Full coverage provides additional protection in the event of a claim, as it covers on and off-road accident-related damages and injuries.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$483Monthly Premium$40
Plymouth Rock AssuranceAnnual Premium$775Monthly Premium$65
American FamilyAnnual Premium$801Monthly Premium$67
Vermont MutualAnnual Premium$838Monthly Premium$70
Safety GroupAnnual Premium$902Monthly Premium$75
ChubbAnnual Premium$1,008Monthly Premium$84
HanoverAnnual Premium$1,035Monthly Premium$86
Amica MutualAnnual Premium$1,217Monthly Premium$101

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 start searching for the most affordable car insurance.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jun 14, 2024

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Cheapest Car Insurance in Massachusetts by Age (June 2024)

State Farm offers the cheapest option for teens, young adults and seniors.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: State Farm
Cheapest for young adults: State Farm
Cheapest for seniors: State Farm

Cheapest Car Insurance in Massachusetts for Teens and Their Families (June 2024)

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 around $3,685 per year 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 offers the lowest rate ($652 per year) 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.

Data filtered by:Results filtered by:
Gender:
Gender:Female
Age:
Age:16
State FarmFamily Plan Annual Premium$1,016Individual Plan Annual Premium$1,569
ProgressiveFamily Plan Annual Premium$1,271Individual Plan Annual Premium$6,443
GEICOFamily Plan Annual Premium$2,706Individual Plan Annual Premium$2,780
AllstateFamily Plan Annual Premium$2,860Individual Plan Annual Premium$4,410
TravelersFamily Plan Annual Premium$3,685Individual Plan Annual Premium$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 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 (June 2024)

The cheapest car insurance companies in Massachusetts for young adult drivers looking for full coverage are, on average:

  • State Farm: $483 per year
  • American Family: $932 per year

Travelers offers the most expensive full coverage policy for young adults, at an average of $2,146 per year.

Drivers in their 20s usually pay more for car insurance than those in their 40s. But this is not the case in Massachusetts: a 40-year-old pays an average of $160 less per year than does a 25-year-old.

Data filtered by:Results filtered by:
Age Range:
Age Range:22-29
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$483Monthly Premium$40
American FamilyAnnual Premium$932Monthly Premium$78
Plymouth Rock AssuranceAnnual Premium$943Monthly Premium$79
Vermont MutualAnnual Premium$955Monthly Premium$80
Safety GroupAnnual Premium$970Monthly Premium$81
ArbellaAnnual Premium$1,266Monthly Premium$106
HanoverAnnual Premium$1,315Monthly Premium$110
ChubbAnnual Premium$1,347Monthly Premium$112

Cheapest Car Insurance in Massachusetts for Seniors (June 2024)

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

  • State Farm: $369 per year
  • Safety Group: $564 per year

Travelers is the most expensive company for seniors, with an average premium of $1,563 per year.

Depending on the insurer, senior drivers may pay more or less for full coverage than middle-aged drivers. In Massachusetts, a 40-year-old driver's full coverage policy has an average cost of $1,105 per year, making a 65-year-old senior's premium for the same coverage roughly $190 cheaper. Car insurance rates can increase when drivers reach their 70s or 80s.

Data filtered by:Results filtered by:
Age Range:
Age Range:60 +
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$369Monthly Premium$31
Safety GroupAnnual Premium$564Monthly Premium$47
Vermont MutualAnnual Premium$587Monthly Premium$49
Plymouth Rock AssuranceAnnual Premium$698Monthly Premium$58
HanoverAnnual Premium$789Monthly Premium$66
American FamilyAnnual Premium$817Monthly Premium$68
GEICOAnnual Premium$866Monthly Premium$72
ArbellaAnnual Premium$949Monthly Premium$79

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 (June 2024)

Insurers perceive drivers with violations as high risk. As a result, car insurance premiums tend to be more expensive after a traffic violation. State Farm provides the cheapest car insurance in Massachusetts for drivers with sports cars, a ticket, an at-fault accident or a DUI on their record.

CHEAPEST FOR HIGHER RISK DRIVERS

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 for sports cars: State Farm ($519 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
  • Safety Group: $1,072 per year

At around $2,552 per year, Travelers is the most expensive company for you after getting a ticket.

Drivers with a ticket pay up to $289 more per year than a driver with a clean record, and a speeding ticket surcharge will apply to their insurance premium bill for at least three years.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$552Monthly Premium$46
Safety GroupAnnual Premium$1,072Monthly Premium$89
Plymouth Rock AssuranceAnnual Premium$1,102Monthly Premium$92
American FamilyAnnual Premium$1,118Monthly Premium$93
Vermont MutualAnnual Premium$1,198Monthly Premium$100
ArbellaAnnual Premium$1,346Monthly Premium$112
AllstateAnnual Premium$1,392Monthly Premium$116
ChubbAnnual Premium$1,392Monthly Premium$116

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, costing an average of $2,999 per year.

On average, the cost of car insurance increases by $662 after an at-fault accident. An at-fault accident surcharge is also applied to the insurance premium bill for at least three years.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$732Monthly Premium$61
American FamilyAnnual Premium$1,118Monthly Premium$93
Plymouth Rock AssuranceAnnual Premium$1,143Monthly Premium$95
ArbellaAnnual Premium$1,602Monthly Premium$134
Safety GroupAnnual Premium$1,628Monthly Premium$136
Vermont MutualAnnual Premium$1,683Monthly Premium$140
HanoverAnnual Premium$1,874Monthly Premium$156
GEICOAnnual Premium$1,888Monthly Premium$157

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: $1,196 per year

The most expensive company for drivers with a DUI on their record is Travelers, offering policies at an average cost of $2,981 per year.

Drivers with DUIs on their records pay up to $879 more for car insurance compared with drivers with clean records. And in Massachusetts, a DUI stays on a motor vehicle record for life.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$875Monthly Premium$73
Plymouth Rock AssuranceAnnual Premium$1,196Monthly Premium$100
American FamilyAnnual Premium$1,373Monthly Premium$114
HanoverAnnual Premium$1,513Monthly Premium$126
ProgressiveAnnual Premium$1,702Monthly Premium$142
Safety GroupAnnual Premium$2,010Monthly Premium$167
GEICOAnnual Premium$2,171Monthly Premium$181
Vermont MutualAnnual Premium$2,176Monthly Premium$181

Cheapest Car Insurance in Massachusetts for Sports Cars (June 2024)

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 from Travelers, with an average premium of $1,822 per year.

Sports car drivers tend to pay more for insurance since their cars are more expensive to repair or replace. In Massachusetts, Toyota Camry drivers pay around $172 less per year for coverage than sports car drivers.

Data filtered by:Results filtered by:
Age Range:
Age Range:30-59
Coverage Level:
Coverage Level:Full Coverage
State FarmAnnual Premium$519Monthly Premium$43
American FamilyAnnual Premium$916Monthly Premium$76
ChubbAnnual Premium$1,163Monthly Premium$97
GEICOAnnual Premium$1,400Monthly Premium$117
AllstateAnnual Premium$1,406Monthly Premium$117
ProgressiveAnnual Premium$1,709Monthly Premium$142
TravelersAnnual Premium$1,822Monthly Premium$152

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 likely won’t impact it substantially.

Cheapest Car Insurance in Massachusetts for Military Drivers (June 2024)

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 the provider costs $483 a year.

Another option is 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 $1,036 per year. The company is accessible in every state and provides quality customer service.

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MoneyGeek Top Pick
State Farm
  • Annual Premium: $483 per year
  • Cheapest Rank: First out of 14 companies

State Farm does not offer a military discount, but it remains the cheapest option in Massachusetts for drivers in the 30 to 59 age range seeking full coverage. Despite the absence of this discount, State Farm maintains competitive pricing and provides a variety of other savings opportunities that may benefit you.

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 per year 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.

BostonCheapest CompanyState FarmAnnual Premium$945
CambridgeCheapest CompanyState FarmAnnual Premium$561
LowellCheapest CompanyState FarmAnnual Premium$583
SpringfieldCheapest CompanyState FarmAnnual Premium$731
WorcesterCheapest CompanyState FarmAnnual Premium$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 financial protection in case of an accident. MoneyGeek recommends increasing your liability coverage as much as your budget allows.

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    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.

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    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.

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    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.

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    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.

FAQ About Car Insurance in Massachusetts

Cost and quality are often the top concerns of drivers who are looking for car insurance. These are some common questions from drivers who are shopping for car insurance in Massachusetts.

Which company offers the cheapest car insurance in Massachusetts?
Should you buy the cheapest car insurance available 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. How does the Massachusetts Department of Insurance act as a resource for consumers regarding auto insurance? And home insurance?
  2. What are the key factors drivers in Massachusetts should look for when searching for the best auto insurance coverage?
  3. What steps can drivers in Massachusetts take to find affordable car insurance?
  4. What resources does the Massachusetts Department of Insurance have for consumers?
Dr. Robert Chatt
Dr. Robert ChattAssistant Professor of Finance at Westfield State University
Erik Jefferson, CFA, CAIA, CWS
Erik Jefferson, CFA, CAIA, CWSChief Investment Officer at Flagship Harbor Advisors

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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