Cheapest Low-Income Car Insurance in Massachusetts

Plymouth Rock Assurance and Safety Group share Massachusetts's budget insurance market, with Plymouth Rock leading for young drivers at $44, adults at $36, DUI offenders at $59, and accident cases at $57, while Safety Group delivers unbeatable senior rates at $26 and speeding ticket coverage at $49 monthly. Massachusetts regulations prohibit insurers from using age as a rating factor (though driving experience remains relevant), contributing to the state's relatively compressed pricing across age groups. 

The Bay State positions itself moderately in national cost rankings, with rates hovering near the $53 average rather than falling into extreme affordability or expense categories. Massachusetts drivers benefit from regulatory protections that prevent certain demographic-based pricing, creating a more equitable insurance marketplace than many states allow. Cross-country premium differences remain stark, with some states charging triple what others demand for identical driver profiles and coverage limits.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

State Farm leads Massachusetts family insurance with consistently low premiums: married couples without children start at $26, couples with teens pay $35, and single parents $72 monthly. Massachusetts regulations prohibit age-based rating (while permitting driving experience factors), contributing to compressed pricing between younger and older driver households. 

Families adding teenage drivers see modest $9 premium increases through State Farm, substantially smaller than the $20 to $50 jumps common in less regulated markets. Single parents pay $37 above married couples with teens rather than the $80 to $100 premiums charged in many southern and western states. Progressive offers an alternative at $54 for married couples with teens, though our analysis shows State Farm's comprehensive affordability across all household types makes it the logical first choice for budget-conscious residents.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with a clean driving record.

Massachusetts residents must meet these minimum car insurance requirements:

• $20,000 in bodily injury liability per person
• $40,000 in bodily injury liability per accident
• $5,000 in property damage liability per accident

If you're leasing or financing a vehicle, a liability coverage split of 100/300/100, along with comprehensive and collision protection, is required.

State Farm provides the cheapest car insurance for most low-income drivers in Massachusetts, including those with speeding tickets or accidents. Hanover offers competitive rates for drivers with a DUI. Comparing multiple providers can help you secure the best deal.

Finding affordable car insurance can be hard for low-income drivers. Get answers to common questions on saving money.

Study Overview

MoneyGeek analyzed Massachusetts car insurance rates using data from the Massachusetts Division of Insurance and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek examined 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Massachusetts.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Massachusetts:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

To determine rates for specific driver profiles, we adjusted factors such as age, family status and driving history.

Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

Our data shows rates for minimum coverage, which follows the requirements set by Massachusetts law, and offers affordable options for low-income drivers.