Car Insurance in Massachusetts: How to Find the Policy That Fits You

You can use MoneyGeek’s analysis and solutions for all your car insurance needs in Massachusetts.

Find the Best or Cheapest Car Insurance in Massachusetts

MoneyGeek gathered quotes to find the cheapest companies in Massachusetts. Through our unique scoring system, we found the best insurers that balance cost and affordability. If you’re looking for overall affordability, MoneyGeek broke down how much car insurance costs depending on several factors, including your driving record, age and more.

MoneyGeek’s above resources break down the best and most affordable car insurance for various driver profiles. All recommendations are for a full coverage policy unless stated otherwise.

There’s a quick summary of what you can expect to find in the table below.

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  • Minimum liability: State Farm
  • Full coverage: Safety Group
  • Drivers with a DUI: Plymouth Rock Assurance
  • After an accident: Plymouth Rock Assurance
  • Drivers with a ticket: GEICO
  • Senior drivers: State Farm
  • Student drivers: State Farm
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  • Overall: GEICO
  • Customer Service: Allstate
  • On a Budget: Allstate
  • Poor Driving Record: GEICO
  • Military: USAA
  • Young Drivers: GEICO
  • New Cars: Allstate
  • Low-Mileage Drivers: Allstate

Get a Massachusetts Car Insurance Quote

For the same driver across different companies, MoneyGeek found that car insurance quotes in Massachusetts can differ by as much as $1,625 per year. As a result, you can save money by shopping around and comparing quotes. Getting an auto insurance estimate shouldn’t be a time-consuming process.


Car Insurance Laws in Massachusetts

MoneyGeek offers all the resources you need regarding Massachusetts car insurance laws and requirements. Massachusetts law mandates that your policy has the minimum coverages:

Massachusetts only mandates low liability limits, not comprehensive and collision insurance. As a result, how much auto insurance you need might be more than the state minimum requirements.

Specialty Car Insurance in Massachusetts

Traditional car insurance may not always meet your individual needs and preferences. To help you find the best alternatives, MoneyGeek explored the different options for car insurance in Massachusetts, like non-owner car insurance, temporary car insurance and low-income car insurance. Learn more about the unique types of car insurance below.

MoneyGeek Specialty Car Insurance Resources


Non-owner car insurance

Getting non-owner car insurance in Massachusetts is a good alternative if you need proof of insurance but don’t own a car.


Temporary car insurance

If you need coverage for less than six months, you can get temporary car insurance in Massachusetts by buying a policy and canceling it for the unused term. Otherwise, you can get rental car insurance.


Car insurance for low-income drivers

MoneyGeek found ways that low-income drivers in Massachusetts can save on premiums even though the state doesn’t offer financial assistance.

About the Author


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.