Cheap Massachusetts Low-Income Car Insurance for Families and Individuals

There is no government car insurance program in Massachusetts to assist low-income individuals and families. MoneyGeek researched car insurance companies in Massachusetts to help low-income drivers save money and found State Farm often has the cheapest car insurance in Massachusetts for low-income families and individuals.

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Last Updated: 4/19/2022
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Your income does not determine your car insurance premium. The two most significant factors in determining car insurance rates in Massachusetts are adding a teen driver to a policy and the driver’s age.

MoneyGeek compared car insurance companies for low-income individuals and families in Massachusetts to find the lowest rates.

Is There Car Insurance for Low-Income Families and Individuals in Massachusetts?

There is no government car insurance program in Massachusetts for low-income individuals and families. Most drivers are aware of the mandated auto insurance; however, many may struggle to purchase car insurance since it is too expensive for them. According to the Insurance Research Council, 3.5% of Massachusetts drivers are uninsured.

For low-income individuals and families, minimum coverage car insurance in Massachusetts is your best choice to pay the least. Pay-per-mile insurance in Massachusetts may be a reasonable alternative for low-income drivers who don't travel much and want to save money.

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Does Massachusetts Have a Government Program to Support Low-Income Drivers with Insurance?

In Massachusetts, there is no government-supported car insurance program for low-income drivers. To get the best rate on car insurance, it’s essential to shop about and compare rates from several insurance companies.

MoneyGeek analyzed the cheapest car insurance companies in Massachusetts to assist low-income individuals in finding low-cost coverage that matches their requirements while also saving them money.

The Cheapest Massachusetts Car Insurance Companies for Low-Income Drivers

Companies cannot consider income when determining Massachusetts car insurance premiums, but other factors that have a relation to income, such as the driver’s age and record, do influence rates.

The cheapest car insurance is minimum coverage. For low-income drivers in Massachusetts, MoneyGeek found State Farm and Plymouth Rock Assurance offer the best rates for various driver types.

Furthermore, MoneyGeek researched the cheapest car insurance for different age groups and low-income families.

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The Cheapest Massachusetts Car Insurance Companies for Low-Income Families

Because income and credit score does not affect car insurance prices in Massachusetts, it makes it more affordable for low-income families than in other states.

On average, MoneyGeek found the following two companies to be the cheapest for a couple with a child:

  • Plymouth Rock Assurance: $1,458 a year
  • State Farm: $1,466 a year

If you're a single parent, the cheapest car insurance companies in Massachusetts are:

  • State Farm: $920 on average annually
  • Plymouth Rock Assurance: $960 on average annually

You can toggle the table below to find the other cheapest options.

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  • Company
    Annual Rates
  • State Farm
    $920
  • Plymouth Rock Assurance
    $960
  • USAA
    $1,110
  • MetLife
    $1,144
  • Safety Group
    $1,153
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The Cheapest Massachusetts Car Insurance Companies for Low-Income Individuals

MoneyGeek’s sample 40-year-old driver in Massachusetts could expect to spend $549 a year on average for car insurance, regardless of credit score.

MoneyGeek found that the cheapest auto insurance companies for low-income individuals in Massachusetts are:

  • State Farm: $333 on average annually
  • Plymouth Rock Assurance: $347 on average annually

You can see more rates in the table below for low-income car insurance in Massachusetts.

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  • Company
    Annual Rates
  • State Farm
    $333
  • Plymouth Rock Assurance
    $347
  • USAA
    $401
  • MetLife
    $414
  • Safety Group
    $417

The Cheapest Massachusetts Car Insurance Companies for Low-Income Students

Due to their inexperience, young student drivers in Massachusetts pay more for car insurance than middle-aged drivers. Even though income does not factor into their annual premium, as a result of their often low income, college students' car insurance can take up a large amount of their budget.

On average, the following Massachusetts car insurance companies give the best rates for student drivers:

  • State Farm: $801 a year
  • Plymouth Rock Assurance: $837 a year

To see more low-income student rates from car insurance companies, view the table below.

Switch by Credit Score:

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  • Company
    Annual Rates
  • State Farm
    $801
  • Plymouth Rock Assurance
    $837
  • USAA
    $967
  • MetLife
    $996
  • Safety Group
    $1,004

The Cheapest Massachusetts Car Insurance Companies for Low-Income Seniors

Senior driver’s insurance rates tend to be higher in most states. However, credit score doesn’t affect car insurance rates in Massachusetts, making car insurance more affordable for low-income seniors than in other states.

On average, MoneyGeek found the following two companies to be the cheapest for low-income senior drivers in Massachusetts:

  • State Farm: $189 a year
  • MetLife: $357 a year

With a military background, senior drivers may qualify for a USAA policy at roughly $336 a year.

The table below features more rates from companies in Massachusetts for low-income seniors.

Switch by Credit Score:

Good Credit Score

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  • Company
    Annual Rates
  • State Farm
    $189
  • USAA
    $336
  • MetLife
    $357
  • Plymouth Rock Assurance
    $388
  • Safety Group
    $394

Does Income Affect Car Insurance Rates in Massachusetts?

Car insurance companies in Massachusetts do not take your income into account when calculating your premium. However, other aspects that your income may influence come into play. For example, due to their inexperience, young drivers in Massachusetts pay more for car insurance than middle-aged drivers, and because they are new to the workforce or in college, they may have a low income.

MoneyGeek examined a variety of factors that insurance companies use to determine the cost of car insurance in Massachusetts; those that weigh heaviest on price are:

  • Adding a teen driver.
  • Age of driver.
  • Coverage levels.

Car model and driving record can also affect car insurance premiums in Massachusetts.

  • Factor
    How It Affects Your Rates
  • Adding a Teen Driver

    Adding a teen driver is the biggest factor in Massachusetts, making rates 3.0x as expensive.

  • Age of Driver

    The age of a driver can make rates vary by 2.7x for young drivers versus middle-aged drivers.

  • Coverage Levels

    Buying a full coverage policy is around 2.4x more expensive than the state minimum in Massachusetts.

  • Car Model

    Depending on the model of your car, insurance could be 2.0x more expensive.

  • Driving Record

    If you have a violation on your driving record, you could pay 1.8x more than someone with a clean record.

Frequently Asked Questions About Low-Income Car Insurance in Massachusetts

Below, MoneyGeek answers frequently asked questions to help you understand how Massachusetts low-income car insurance works for individuals and families.

Methodology

MoneyGeek calculated the cost of car insurance for low-income drivers in Massachusetts using quotes sourced in partnership with Quadrant Information Services. The sample driver is either a 40-year-old male, a single 40-year-old parent with a 16-year-old child, an adult couple (each 40 years old), or a couple with a 16-year-old child. The individual or family drives a 2010 Toyota Camry LE. The driver buys the minimum car insurance required in Massachusetts.

Costs for poor and good credit scores, when applicable to the state, were extrapolated based on MoneyGeek’s dataset of credit score rate adjustments by score categorization.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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