Cheapest Car Insurance in Massachusetts


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Key Takeaways

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Plymouth Rock Insurance, Amica and GEICO are the cheapest car insurance companies for most Massachusetts drivers, with average savings of up to 28%.

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Car insurance costs can be as low as $14 for minimum coverage and $44 for full coverage policies on average in Massachusetts.

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To get the cheapest car insurance in Massachusetts, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.

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Ensure you're getting the best rate for your insurance. Compare quotes from the top insurance companies.

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Who Has the Cheapest Car Insurance in Massachusetts?

Plymouth Rock offers Massachusetts drivers the lowest rates, with monthly premiums of $23 for minimum coverage and $83 for full coverage. Drivers save $20 monthly (28%) compared to state averages. Get quotes from Amica, GEICO, Safety and Norfolk & Dedham too.

Plymouth Rock Insurance$23$83-28%
Amica$35$84-19%
Geico$38$82-19%
Safety Insurance$30$90-18%
Norfolk & Dedham Insurance$37$84-18%

*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.

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LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MASSACHUSETTS

We've created additional guides below to help you in your search for the best and cheapest car insurance in Massachusetts:

Best Car Insurance Rates by Category in Massachusetts

Plymouth Rock offers the cheapest rates for five out of our 10 driver categories in Massachusetts, including young drivers, adult drivers and those with DUIs. Safety also stands out with the lowest rates in two categories. Find your specific rates in the table:

Young DriversPlymouth Rock Insurance$47
Adult DriversPlymouth Rock Insurance$22
Senior DriversNorfolk & Dedham Insurance$29
Drivers With An AccidentArbella$53
Drivers With A DUIPlymouth Rock Insurance$39
Drivers With A Speeding TicketGeico$42
Drivers With Bad CreditSafety Insurance$42
Drivers With Low IncomeSafety Insurance$31
Drivers With Newer CarsPlymouth Rock Insurance$27
Drivers With Old CarsPlymouth Rock Insurance$20

*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Compare the Cheapest Car Insurance in Massachusetts for You

The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Safety offers the lowest rates at $128 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:

Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Safety Insurance$128$1,536-50%
Plymouth Rock Insurance$191$2,297-26%
Geico$184$2,209-29%
Allstate$305$3,66419%
Quincy Insurance$304$3,64418%

*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.

Cheapest Car Insurance in Massachusetts by City

Where you live in Massachusetts affects your insurance costs based on local crime, accidents and traffic density. Plymouth Rock charges as little as $14 in Bernardston but $47 in Dorchester. Here are the cheapest providers for every Massachusetts city.

Data filtered by:Results filtered by:
Select
City:
BostonPlymouth Rock Insurance$25-38%$-32
WorcesterPlymouth Rock Insurance$28-41%$-37
SpringfieldPlymouth Rock Insurance$29-47%$-49
CambridgePlymouth Rock Insurance$27-38%$-31
LowellPlymouth Rock Insurance$28-44%$-40
BrocktonPlymouth Rock Insurance$32-47%$-56
QuincyPlymouth Rock Insurance$25-41%$-34
LynnPlymouth Rock Insurance$28-46%$-49
New BedfordPlymouth Rock Insurance$24-45%$-40
Fall RiverPlymouth Rock Insurance$25-45%$-40
NewtonPlymouth Rock Insurance$21-39%$-28
LawrencePlymouth Rock Insurance$23-50%$-47
SomervillePlymouth Rock Insurance$24-38%$-30
FraminghamPlymouth Rock Insurance$22-42%$-32
HaverhillPlymouth Rock Insurance$21-41%$-30
MaldenPlymouth Rock Insurance$28-43%$-43
WalthamPlymouth Rock Insurance$21-41%$-29
TauntonPlymouth Rock Insurance$23-42%$-34
MedfordPlymouth Rock Insurance$25-39%$-32
ReverePlymouth Rock Insurance$32-43%$-48
ChicopeePlymouth Rock Insurance$22-43%$-33
PeabodyPlymouth Rock Insurance$23-41%$-33
EverettPlymouth Rock Insurance$30-42%$-44
AttleboroPlymouth Rock Insurance$20-42%$-29
SalemPlymouth Rock Insurance$24-42%$-34
LeominsterPlymouth Rock Insurance$19-41%$-27
PittsfieldPlymouth Rock Insurance$18-44%$-29
BeverlyPlymouth Rock Insurance$19-42%$-28
WoburnPlymouth Rock Insurance$34-32%$-30
FitchburgPlymouth Rock Insurance$20-41%$-29
MarlboroughPlymouth Rock Insurance$19-42%$-28
WestfieldPlymouth Rock Insurance$19-42%$-28
Braintree TownPlymouth Rock Insurance$25-35%$-28
ChelseaPlymouth Rock Insurance$33-42%$-47
HolyokePlymouth Rock Insurance$22-48%$-41
Watertown TownPlymouth Rock Insurance$25-30%$-22
Franklin TownGeico$30-23%$-14
GloucesterPlymouth Rock Insurance$19-41%$-27
NorthamptonPlymouth Rock Insurance$18-39%$-23
MelrosePlymouth Rock Insurance$22-40%$-30
West Springfield TownPlymouth Rock Insurance$25-32%$-25
ShrewsburyPlymouth Rock Insurance$20-39%$-26
AndoverPlymouth Rock Insurance$18-42%$-26
AbingtonPlymouth Rock Insurance$22-42%$-33
AccordPlymouth Rock Insurance$25-26%$-18
ActonPlymouth Rock Insurance$18-37%$-21
AcushnetPlymouth Rock Insurance$21-42%$-30
AdamsPlymouth Rock Insurance$15-44%$-23
AgawamPlymouth Rock Insurance$21-39%$-27
AllstonPlymouth Rock Insurance$25-37%$-31
Amesbury TownQuincy Insurance$31-20%$-12
Amherst CenterNorfolk & Dedham Insurance$31-24%$-16
ArlingtonPlymouth Rock Insurance$20-40%$-27
Arlington HeightsPlymouth Rock Insurance$25-24%$-17
AshburnhamPlymouth Rock Insurance$17-40%$-23
AshbyPlymouth Rock Insurance$17-42%$-24
AshfieldPlymouth Rock Insurance$15-42%$-22
AshlandPlymouth Rock Insurance$21-39%$-27
Ashley FallsGeico$27-24%$-14
AssonetPlymouth Rock Insurance$25-26%$-18
AtholPlymouth Rock Insurance$18-39%$-24
Attleboro FallsGeico$32-24%$-16
AuburnPlymouth Rock Insurance$20-41%$-28
AuburndalePlymouth Rock Insurance$25-29%$-21
AvonPlymouth Rock Insurance$24-44%$-38
AyerPlymouth Rock Insurance$18-41%$-25
Babson ParkPlymouth Rock Insurance$25-31%$-23
BaldwinvilleGeico$27-26%$-15
BarnstablePlymouth Rock Insurance$19-42%$-28
BarrePlymouth Rock Insurance$17-42%$-25
BecketPlymouth Rock Insurance$17-43%$-26
BedfordPlymouth Rock Insurance$18-41%$-26
BelchertownPlymouth Rock Insurance$17-41%$-24
BellinghamPlymouth Rock Insurance$19-41%$-26
BelmontPlymouth Rock Insurance$19-39%$-25
BerkleyPlymouth Rock Insurance$21-40%$-28
BerkshireGeico$30-20%$-12
BerlinPlymouth Rock Insurance$17-42%$-24
BernardstonPlymouth Rock Insurance$14-43%$-22
BillericaPlymouth Rock Insurance$19-42%$-28
BlackstonePlymouth Rock Insurance$18-42%$-27
BlandfordPlymouth Rock Insurance$17-41%$-24
BoltonPlymouth Rock Insurance$18-39%$-23
BondsvilleQuincy Insurance$29-28%$-18
BoxboroughPlymouth Rock Insurance$17-41%$-23
BoxfordPlymouth Rock Insurance$18-40%$-25
BoylstonPlymouth Rock Insurance$18-42%$-26
Brant RockPlymouth Rock Insurance$25-27%$-19
BrewsterPlymouth Rock Insurance$15-43%$-23
BridgewaterPlymouth Rock Insurance$21-40%$-29
BrightonPlymouth Rock Insurance$24-41%$-34
BrimfieldPlymouth Rock Insurance$17-41%$-25
BrookfieldPlymouth Rock Insurance$18-41%$-25
BrooklinePlymouth Rock Insurance$22-40%$-30
Brookline VillagePlymouth Rock Insurance$25-32%$-24
BryantvillePlymouth Rock Insurance$25-28%$-20
BucklandPlymouth Rock Insurance$15-42%$-22
BurlingtonPlymouth Rock Insurance$20-39%$-27
Buzzards BayPlymouth Rock Insurance$25-25%$-17
ByfieldAmica$27-22%$-13
CantonPlymouth Rock Insurance$23-40%$-31
CarlislePlymouth Rock Insurance$16-44%$-25
CarverPlymouth Rock Insurance$21-41%$-29
CataumetPlymouth Rock Insurance$25-25%$-17
CentervillePlymouth Rock Insurance$25-26%$-18
CharlemontPlymouth Rock Insurance$15-42%$-22
CharlestownPlymouth Rock Insurance$25-49%$-49
CharltonPlymouth Rock Insurance$19-42%$-27
Charlton CityGeico$30-26%$-17
Charlton DepotGeico$30-26%$-17
ChartleyPlymouth Rock Insurance$25-30%$-22
ChathamPlymouth Rock Insurance$15-43%$-23
ChelmsfordPlymouth Rock Insurance$17-44%$-26
Cherry ValleyPlymouth Rock Insurance$25-30%$-22
CheshirePlymouth Rock Insurance$15-40%$-21
ChesterPlymouth Rock Insurance$16-42%$-24
ChesterfieldPlymouth Rock Insurance$16-40%$-21
Chestnut HillPlymouth Rock Insurance$25-33%$-25
ChilmarkPlymouth Rock Insurance$14-46%$-25
ClintonPlymouth Rock Insurance$19-42%$-28
CochituateGeico$32-23%$-15
CohassetPlymouth Rock Insurance$20-40%$-28
ColrainPlymouth Rock Insurance$16-42%$-24
ConcordPlymouth Rock Insurance$15-44%$-25
ConwayPlymouth Rock Insurance$16-40%$-21
CotuitPlymouth Rock Insurance$25-26%$-18
CummaquidPlymouth Rock Insurance$25-26%$-18
CummingtonPlymouth Rock Insurance$15-42%$-22
CuttyhunkQuincy Insurance$24-35%$-21
DaltonPlymouth Rock Insurance$17-38%$-20
DanversPlymouth Rock Insurance$20-41%$-28
DedhamPlymouth Rock Insurance$22-42%$-32
DeerfieldPlymouth Rock Insurance$16-39%$-20
DennisPlymouth Rock Insurance$18-40%$-24
Dennis PortSafety Insurance$30-27%$-22
DevensGeico$27-27%$-16
DightonPlymouth Rock Insurance$19-42%$-29
DorchesterPlymouth Rock Insurance$47-45%$-70
Dorchester CenterPlymouth Rock Insurance$25-60%$-76
DouglasPlymouth Rock Insurance$17-43%$-26
DoverPlymouth Rock Insurance$18-42%$-27
DracutPlymouth Rock Insurance$20-41%$-28
DruryGeico$27-25%$-14
DudleyPlymouth Rock Insurance$19-39%$-25
DunstablePlymouth Rock Insurance$16-43%$-25
DuxburyPlymouth Rock Insurance$20-38%$-24
East BridgewaterPlymouth Rock Insurance$22-40%$-29
East BrookfieldPlymouth Rock Insurance$18-41%$-25
East DennisSafety Insurance$23-27%$-17
East FalmouthAmica$29-24%$-16
East FreetownPlymouth Rock Insurance$25-26%$-18
EasthamPlymouth Rock Insurance$14-44%$-23
Easthampton TownNorfolk & Dedham Insurance$30-22%$-14
East HarwichSafety Insurance$23-25%$-15
East LongmeadowPlymouth Rock Insurance$20-40%$-27
East OrleansGeico$27-23%$-13
East OtisGeico$27-25%$-15
East PrincetonGeico$32-20%$-13
East SandwichAmica$29-21%$-14
East TauntonPlymouth Rock Insurance$25-36%$-29
East TempletonAmica$29-19%$-12
East WalpolePlymouth Rock Insurance$25-27%$-19
East WeymouthPlymouth Rock Insurance$25-37%$-30
EdgartownPlymouth Rock Insurance$15-44%$-23
ElmwoodPlymouth Rock Insurance$25-30%$-22
ErvingPlymouth Rock Insurance$15-42%$-21
EssexPlymouth Rock Insurance$18-41%$-25
FairhavenPlymouth Rock Insurance$34-36%$-33
FalmouthPlymouth Rock Insurance$18-42%$-26
FayvilleGeico$27-30%$-18
Feeding HillsPlymouth Rock Insurance$25-28%$-20
FiskdaleGeico$30-22%$-14
FlorenceNorfolk & Dedham Insurance$29-23%$-14
ForestdaleAmica$29-21%$-14
FoxboroughPlymouth Rock Insurance$20-40%$-26
GardnerPlymouth Rock Insurance$18-40%$-24
GeorgetownPlymouth Rock Insurance$17-42%$-26
GilbertvilleGeico$27-28%$-16
GillPlymouth Rock Insurance$14-44%$-23
GlendaleNorfolk & Dedham Insurance$29-21%$-12
GoshenPlymouth Rock Insurance$16-40%$-21
GraftonPlymouth Rock Insurance$19-40%$-25
GranbyPlymouth Rock Insurance$18-42%$-27
GranvillePlymouth Rock Insurance$18-39%$-23
Great BarringtonPlymouth Rock Insurance$16-42%$-24
GreenbushPlymouth Rock Insurance$25-28%$-20
Greenfield TownNorfolk & Dedham Insurance$28-22%$-13
Green HarborPlymouth Rock Insurance$25-28%$-20
GrotonPlymouth Rock Insurance$22-36%$-25
GrovelandPlymouth Rock Insurance$18-41%$-25
HadleyPlymouth Rock Insurance$17-38%$-21
HalifaxPlymouth Rock Insurance$21-39%$-27
HampdenPlymouth Rock Insurance$20-38%$-25
HanoverPlymouth Rock Insurance$20-41%$-28
Hanscom AFBGeico$30-25%$-16
HansonPlymouth Rock Insurance$20-40%$-28
HardwickGeico$27-28%$-16
HarvardPlymouth Rock Insurance$16-42%$-23
Harwich CenterSafety Insurance$23-25%$-15
HatfieldPlymouth Rock Insurance$16-40%$-21
HathorneAmica$27-25%$-16
HaydenvilleGeico$27-25%$-14
HeathPlymouth Rock Insurance$16-44%$-25
HinghamPlymouth Rock Insurance$19-42%$-28
HinsdalePlymouth Rock Insurance$17-42%$-24
HolbrookPlymouth Rock Insurance$25-40%$-34
HoldenPlymouth Rock Insurance$19-40%$-25
HollandPlymouth Rock Insurance$17-41%$-24
HollistonPlymouth Rock Insurance$19-41%$-26
HopedalePlymouth Rock Insurance$19-40%$-25
HopkintonPlymouth Rock Insurance$17-40%$-23
HousatonicNorfolk & Dedham Insurance$29-19%$-11
HubbardstonPlymouth Rock Insurance$17-42%$-25
HudsonPlymouth Rock Insurance$18-42%$-26
HullPlymouth Rock Insurance$22-42%$-33
HumarockPlymouth Rock Insurance$25-28%$-20
HuntingtonPlymouth Rock Insurance$18-39%$-23
HyannisPlymouth Rock Insurance$25-26%$-18
Hyannis PortSafety Insurance$23-26%$-16
Hyde ParkPlymouth Rock Insurance$29-47%$-51
Indian OrchardPlymouth Rock Insurance$25-49%$-48
IpswichPlymouth Rock Insurance$18-40%$-24
Jamaica PlainPlymouth Rock Insurance$28-38%$-35
JeffersonAmica$29-23%$-15
KingstonPlymouth Rock Insurance$19-43%$-29
Lake PleasantGeico$27-27%$-16
LakevillePlymouth Rock Insurance$20-40%$-27
LancasterPlymouth Rock Insurance$18-42%$-25
LanesboroSafety Insurance$23-24%$-14
LeePlymouth Rock Insurance$16-41%$-22
LeedsNorfolk & Dedham Insurance$29-23%$-14
LeicesterPlymouth Rock Insurance$21-41%$-29
LenoxPlymouth Rock Insurance$16-39%$-20
Lenox DaleAmica$25-30%$-19
LeverettPlymouth Rock Insurance$16-43%$-24
LexingtonPlymouth Rock Insurance$18-41%$-26
LincolnPlymouth Rock Insurance$18-41%$-26
LinwoodPlymouth Rock Insurance$25-36%$-29
Littleton CommonGeico$27-27%$-16
LongmeadowPlymouth Rock Insurance$19-44%$-30
LudlowPlymouth Rock Insurance$20-40%$-27
LunenburgPlymouth Rock Insurance$17-41%$-24
LynnfieldPlymouth Rock Insurance$22-38%$-27
ManchaugPlymouth Rock Insurance$25-36%$-29
Manchester By The SeaSafety Insurance$23-30%$-20
ManometPlymouth Rock Insurance$25-28%$-20
MansfieldPlymouth Rock Insurance$19-41%$-26
MarbleheadPlymouth Rock Insurance$19-44%$-30
MarionPlymouth Rock Insurance$18-43%$-27
MarshfieldPlymouth Rock Insurance$21-40%$-29
Marstons MillsPlymouth Rock Insurance$25-26%$-18
MashpeePlymouth Rock Insurance$19-45%$-30
MattapanPlymouth Rock Insurance$25-58%$-72
MattapoisettPlymouth Rock Insurance$18-44%$-28
MaynardPlymouth Rock Insurance$17-40%$-22
MedfieldPlymouth Rock Insurance$18-38%$-22
MedwayPlymouth Rock Insurance$18-38%$-23
MendonPlymouth Rock Insurance$17-40%$-23
MenemshaNorfolk & Dedham Insurance$26-28%$-16
MerrimacPlymouth Rock Insurance$18-40%$-24
Methuen TownPlymouth Rock Insurance$25-37%$-30
MiddleboroPlymouth Rock Insurance$25-28%$-20
MiddlefieldPlymouth Rock Insurance$17-41%$-23
MiddletonPlymouth Rock Insurance$20-41%$-28
MilfordPlymouth Rock Insurance$20-41%$-28
MillburyPlymouth Rock Insurance$19-44%$-30
Millers FallsGeico$27-24%$-13
Millis-ClicquotGeico$27-30%$-19
Mill RiverAmica$25-27%$-16
MillvillePlymouth Rock Insurance$18-41%$-25
MiltonPlymouth Rock Insurance$23-43%$-35
Milton VillagePlymouth Rock Insurance$25-45%$-42
MinotPlymouth Rock Insurance$25-29%$-20
MonponsettPlymouth Rock Insurance$25-27%$-19
Monroe BridgeQuincy Insurance$28-25%$-15
MonsonPlymouth Rock Insurance$18-41%$-25
MontaguePlymouth Rock Insurance$16-40%$-21
MontereyPlymouth Rock Insurance$15-41%$-22
NahantPlymouth Rock Insurance$22-44%$-35
NantucketPlymouth Rock Insurance$14-44%$-23
NatickPlymouth Rock Insurance$19-39%$-25
NeedhamPlymouth Rock Insurance$18-41%$-26
Needham HeightsGeico$32-24%$-16
New BraintreePlymouth Rock Insurance$17-40%$-22
NewburyPlymouth Rock Insurance$16-43%$-25
NewburyportPlymouth Rock Insurance$17-41%$-23
New SalemPlymouth Rock Insurance$15-42%$-22
Newton CenterPlymouth Rock Insurance$25-29%$-21
Newton HighlandsPlymouth Rock Insurance$25-29%$-21
Newton Lower FallsPlymouth Rock Insurance$25-29%$-21
Newton Upper FallsPlymouth Rock Insurance$25-29%$-21
NewtonvillePlymouth Rock Insurance$25-29%$-21
New TownPlymouth Rock Insurance$25-30%$-22
NonantumPlymouth Rock Insurance$25-29%$-21
NorfolkPlymouth Rock Insurance$18-40%$-24
North AdamsPlymouth Rock Insurance$17-41%$-24
North AndoverPlymouth Rock Insurance$19-42%$-28
North AttleboroGeico$32-23%$-15
North BillericaPlymouth Rock Insurance$25-26%$-18
NorthboroughPlymouth Rock Insurance$18-39%$-23
NorthbridgePlymouth Rock Insurance$19-39%$-25
North BrookfieldPlymouth Rock Insurance$17-42%$-25
North CarverPlymouth Rock Insurance$25-52%$-56
North ChathamGeico$27-23%$-13
North ChelmsfordGeico$32-21%$-14
North DartmouthPlymouth Rock Insurance$25-30%$-22
North DightonPlymouth Rock Insurance$25-27%$-19
North EastonPlymouth Rock Insurance$25-32%$-24
North EgremontAmica$25-26%$-16
North FalmouthAmica$29-24%$-16
NorthfieldPlymouth Rock Insurance$14-43%$-22
North GraftonAmica$29-22%$-15
North HatfieldNorfolk & Dedham Insurance$29-22%$-13
North MarshfieldPlymouth Rock Insurance$25-28%$-20
North OxfordPlymouth Rock Insurance$25-25%$-17
North ReadingPlymouth Rock Insurance$19-42%$-28
North TruroQuincy Insurance$28-24%$-14
North UxbridgePlymouth Rock Insurance$25-24%$-16
North WalthamPlymouth Rock Insurance$25-30%$-22
North WeymouthPlymouth Rock Insurance$25-37%$-30
NortonPlymouth Rock Insurance$20-40%$-27
NorwellPlymouth Rock Insurance$20-41%$-27
NorwoodPlymouth Rock Insurance$22-41%$-30
Nutting LakePlymouth Rock Insurance$25-26%$-18
Oak BluffsPlymouth Rock Insurance$14-46%$-25
OakhamPlymouth Rock Insurance$18-39%$-23
Ocean BluffPlymouth Rock Insurance$25-30%$-22
OnsetPlymouth Rock Insurance$25-32%$-24
OrangePlymouth Rock Insurance$17-39%$-23
OrleansPlymouth Rock Insurance$15-43%$-22
OstervillePlymouth Rock Insurance$25-26%$-18
OtisPlymouth Rock Insurance$16-40%$-22
OxfordPlymouth Rock Insurance$19-42%$-28
PalmerPlymouth Rock Insurance$18-44%$-28
PaxtonPlymouth Rock Insurance$19-43%$-29
PembrokePlymouth Rock Insurance$21-41%$-29
PepperellPlymouth Rock Insurance$16-40%$-22
PetershamPlymouth Rock Insurance$16-41%$-22
PlainfieldPlymouth Rock Insurance$16-41%$-22
PlainvillePlymouth Rock Insurance$19-43%$-28
PlymouthPlymouth Rock Insurance$22-39%$-27
PlymptonPlymouth Rock Insurance$21-40%$-28
PocassetPlymouth Rock Insurance$25-25%$-17
Prides CrossingAmica$29-24%$-15
PrincetonPlymouth Rock Insurance$16-42%$-23
ProvincetownPlymouth Rock Insurance$16-40%$-22
RandolphPlymouth Rock Insurance$28-45%$-46
RaynhamPlymouth Rock Insurance$22-39%$-28
ReadingPlymouth Rock Insurance$20-37%$-23
ReadvillePlymouth Rock Insurance$25-54%$-61
RehobothPlymouth Rock Insurance$19-42%$-28
RichmondPlymouth Rock Insurance$16-41%$-22
RochdalePlymouth Rock Insurance$25-30%$-22
RochesterPlymouth Rock Insurance$18-43%$-27
RocklandPlymouth Rock Insurance$22-42%$-34
RockportPlymouth Rock Insurance$18-40%$-23
RoslindalePlymouth Rock Insurance$27-46%$-46
RowePlymouth Rock Insurance$14-44%$-23
RowleyPlymouth Rock Insurance$18-41%$-25
RoxburyPlymouth Rock Insurance$40-42%$-58
Roxbury CrossingPlymouth Rock Insurance$41-57%$-96
RoyalstonPlymouth Rock Insurance$17-43%$-25
RussellPlymouth Rock Insurance$18-40%$-25
RutlandPlymouth Rock Insurance$20-38%$-24
SagamorePlymouth Rock Insurance$25-25%$-17
Sagamore BeachPlymouth Rock Insurance$25-25%$-17
SalisburyPlymouth Rock Insurance$17-44%$-27
SandisfieldPlymouth Rock Insurance$16-40%$-22
SandwichPlymouth Rock Insurance$18-41%$-25
SaugusPlymouth Rock Insurance$25-42%$-37
SavoyPlymouth Rock Insurance$14-44%$-23
ScituatePlymouth Rock Insurance$21-40%$-28
SeekonkPlymouth Rock Insurance$19-44%$-30
SharonPlymouth Rock Insurance$22-40%$-29
SheffieldPlymouth Rock Insurance$16-41%$-22
Shelburne FallsNorfolk & Dedham Insurance$26-26%$-14
SheldonvilleGeico$32-24%$-16
SherbornPlymouth Rock Insurance$18-41%$-25
ShirleyPlymouth Rock Insurance$17-43%$-25
ShutesburyPlymouth Rock Insurance$17-41%$-24
SiasconsetNorfolk & Dedham Insurance$25-28%$-16
Silver BeachQuincy Insurance$32-22%$-15
SomersetPlymouth Rock Insurance$21-41%$-29
SouthamptonPlymouth Rock Insurance$17-41%$-24
South BarreGeico$32-23%$-16
SouthboroughPlymouth Rock Insurance$17-40%$-24
Southbridge TownQuincy Insurance$32-24%$-16
South CarverPlymouth Rock Insurance$25-27%$-19
South ChathamGeico$27-23%$-13
South DartmouthPlymouth Rock Insurance$25-30%$-22
South DeerfieldGeico$27-22%$-12
South DennisSafety Insurance$23-27%$-17
South EastonPlymouth Rock Insurance$25-32%$-24
South EgremontGeico$27-24%$-13
SouthfieldGeico$27-24%$-13
South GraftonAmica$29-22%$-15
South HadleyPlymouth Rock Insurance$19-42%$-27
South HamiltonAmica$27-24%$-15
South HarwichAmica$25-33%$-22
South LeeGeico$27-25%$-14
South OrleansAmica$25-31%$-20
South WalpolePlymouth Rock Insurance$25-27%$-19
South WellfleetAmica$25-32%$-20
South WeymouthPlymouth Rock Insurance$25-37%$-31
SouthwickPlymouth Rock Insurance$19-41%$-27
South YarmouthPlymouth Rock Insurance$25-23%$-15
SpencerPlymouth Rock Insurance$20-40%$-27
SterlingPlymouth Rock Insurance$15-45%$-25
Still RiverAmica$27-22%$-13
StockbridgePlymouth Rock Insurance$16-41%$-23
StonehamPlymouth Rock Insurance$22-41%$-31
StoughtonPlymouth Rock Insurance$25-43%$-37
StowPlymouth Rock Insurance$16-43%$-24
SturbridgePlymouth Rock Insurance$17-43%$-25
SudburyPlymouth Rock Insurance$16-43%$-25
SunderlandPlymouth Rock Insurance$17-40%$-23
SuttonPlymouth Rock Insurance$18-37%$-21
SwampscottPlymouth Rock Insurance$23-41%$-32
SwanseaPlymouth Rock Insurance$19-43%$-29
TempletonPlymouth Rock Insurance$16-42%$-23
TewksburyPlymouth Rock Insurance$20-42%$-28
ThorndikePlymouth Rock Insurance$25-23%$-16
Three RiversPlymouth Rock Insurance$25-23%$-15
TopsfieldPlymouth Rock Insurance$19-42%$-28
TownsendPlymouth Rock Insurance$16-40%$-22
TruroPlymouth Rock Insurance$15-46%$-26
Turners FallsGeico$27-24%$-13
TyngsboroGeico$32-21%$-13
UptonPlymouth Rock Insurance$16-44%$-25
UxbridgePlymouth Rock Insurance$17-39%$-23
Vineyard HavenQuincy Insurance$27-25%$-15
Vineyard HavenGeico$27-25%$-15
WabanPlymouth Rock Insurance$25-29%$-21
WakefieldPlymouth Rock Insurance$22-39%$-28
WalesPlymouth Rock Insurance$18-39%$-23
WalpolePlymouth Rock Insurance$19-43%$-29
WarePlymouth Rock Insurance$17-41%$-24
WarehamPlymouth Rock Insurance$21-42%$-31
WarrenPlymouth Rock Insurance$18-41%$-25
WarwickPlymouth Rock Insurance$15-44%$-23
WaverleyPlymouth Rock Insurance$25-28%$-20
WebsterPlymouth Rock Insurance$21-41%$-29
WellesleyPlymouth Rock Insurance$18-41%$-25
Wellesley HillsGeico$30-25%$-16
WellfleetPlymouth Rock Insurance$16-41%$-22
WendellPlymouth Rock Insurance$15-42%$-22
Wendell DepotNorfolk & Dedham Insurance$26-24%$-13
WenhamPlymouth Rock Insurance$18-41%$-25
West BarnstablePlymouth Rock Insurance$25-26%$-18
WestboroughPlymouth Rock Insurance$19-40%$-25
West BoxfordAmica$29-24%$-16
West BoylstonPlymouth Rock Insurance$17-42%$-26
West BridgewaterPlymouth Rock Insurance$22-42%$-33
West BrookfieldPlymouth Rock Insurance$16-42%$-23
West ChesterfieldNorfolk & Dedham Insurance$30-18%$-11
West ChopGeico$27-26%$-15
West ChopQuincy Insurance$27-26%$-15
West DennisSafety Insurance$23-27%$-17
WestfordPlymouth Rock Insurance$16-43%$-24
West GrotonGeico$27-26%$-15
West HarwichSafety Insurance$23-25%$-15
West HatfieldAmica$25-27%$-17
West HyannisportSafety Insurance$23-26%$-16
West MedfordGeico$32-26%$-18
West MillburyPlymouth Rock Insurance$25-27%$-19
WestminsterPlymouth Rock Insurance$17-41%$-24
West NewburyPlymouth Rock Insurance$17-39%$-21
West NewtonPlymouth Rock Insurance$25-29%$-21
WestonPlymouth Rock Insurance$18-42%$-27
WestportPlymouth Rock Insurance$20-42%$-28
Westport PointPlymouth Rock Insurance$25-27%$-19
West RoxburyPlymouth Rock Insurance$24-40%$-33
West StockbridgePlymouth Rock Insurance$16-42%$-23
West TisburyPlymouth Rock Insurance$14-46%$-25
West TownsendGeico$27-27%$-16
West WarehamPlymouth Rock Insurance$25-32%$-24
West WarrenAmica$29-20%$-12
WestwoodPlymouth Rock Insurance$20-40%$-27
West YarmouthPlymouth Rock Insurance$25-23%$-15
WeymouthPlymouth Rock Insurance$23-43%$-35
WhatelyPlymouth Rock Insurance$14-44%$-22
WheelwrightAmica$29-19%$-12
White Horse BeachPlymouth Rock Insurance$25-27%$-19
White Island ShoresPlymouth Rock Insurance$25-32%$-24
WhitinsvilleGeico$32-22%$-14
WhitmanPlymouth Rock Insurance$22-41%$-31
WilbrahamPlymouth Rock Insurance$20-40%$-26
WilliamsburgPlymouth Rock Insurance$16-41%$-22
WilliamstownPlymouth Rock Insurance$15-44%$-23
WilmingtonPlymouth Rock Insurance$20-40%$-27
WinchendonPlymouth Rock Insurance$17-43%$-26
Winchendon SpringsAmica$28-23%$-14
WinchesterPlymouth Rock Insurance$20-38%$-25
WindsorPlymouth Rock Insurance$16-40%$-22
Winthrop TownPlymouth Rock Insurance$25-45%$-42
Woods HoleAmica$29-24%$-16
WoodvillePlymouth Rock Insurance$25-30%$-22
WoronocoPlymouth Rock Insurance$25-24%$-16
WorthingtonPlymouth Rock Insurance$16-44%$-25
WrenthamPlymouth Rock Insurance$18-44%$-28
Yarmouth PortPlymouth Rock Insurance$25-23%$-15

*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.

Cheapest Car Insurance in Massachusetts By Driver Age Group

We analyzed car insurance rates across Massachusetts for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:

Here are the most affordable insurance providers by age group:

  • Young Drivers: Plymouth Rock offers rates from $47 per month
  • Adult Drivers: Plymouth Rock provides coverage from $22 per month
  • Senior Drivers: Norfolk & Dedham starts at $29 per month

Cheapest Car Insurance For Young Drivers in Massachusetts

Young drivers in Massachusetts get their best rates from Plymouth Rock. Minimum coverage costs $47 per month, saving drivers 53% compared to other providers. Plymouth Rock also leads for full coverage at $124 monthly, saving young drivers 45%.urance with Plymouth Rock Insurance. The company offers minimum liability coverage at $22 monthly and full coverage at $67 per

Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Plymouth Rock Insurance$355$4,258-39%$-2,736
Safety Insurance$329$3,942-44%$-3,052
Geico$393$4,713-33%$-2,281
Travelers$606$7,2764%$282
Farmers$631$7,5708%$576

Cheapest Car Insurance For Adult Drivers in Massachusetts

Plymouth Rock offers Massachusetts's lowest rates for adult drivers: $22 monthly for minimum coverage and $67 for full coverage.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Safety Insurance$128$1,536-50%$-1,554
Plymouth Rock Insurance$191$2,297-26%$-793
Geico$184$2,209-29%$-881
Allstate$305$3,66419%$574
Quincy Insurance$304$3,64418%$554

Cheapest Car Insurance For Senior Drivers in Massachusetts

Norfolk & Dedham offers Massachusetts seniors the most affordable car insurance rates for both coverage types. Full coverage costs $756 annually, while minimum coverage runs $349 per year.

Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Safety Insurance$124$1,492-56%$-1,930
Plymouth Rock Insurance$241$2,894-15%$-528
Geico$178$2,132-38%$-1,290
Allstate$224$2,692-21%$-730
Farmers$235$2,824-17%$-598

Cheapest Car Insurance For High-Risk Drivers in Massachusetts

We studied four core areas for profiles insurers consider particularly high-risk in Massachusetts including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:

  • Cheapest for Bad Credit: Safety (From $42/mo)
  • Cheapest With a DUI: Plymouth Rock (From $39/mo)
  • Cheapest With an Accident: Arbella (From $53/mo)
  • Cheapest With a Speeding Ticket: GEICO (From $42/mo)
  • Cheapest With a Texting While Driving Violation: Safety Insurance (From $35/mo)

Cheapest Car Insurance For Bad Credit in Massachusetts

Safety offers Massachusetts drivers with bad credit the most affordable car insurance rates. Annual premiums start at $502 for minimum coverage and $1,137 for full coverage policies.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Safety Insurance$143$1,717-55%$-2,095
Plymouth Rock Insurance$257$3,086-19%$-725
Geico$227$2,727-28%$-1,084
Travelers$396$4,75825%$946
Farmers$330$3,9604%$149

Cheapest Car Insurance With a DUI in Massachusetts

Plymouth Rock ranks as the most affordable option for Massachusetts drivers with DUIs, offering annual rates of $456. GEICO provides the next best value with premiums of $777 per year.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Credit Alignment:Below Fair
Plymouth Rock Insurance$199$2,393-31%$-1,090
Safety Insurance$192$2,304-34%$-1,179
Progressive$215$2,577-26%$-906
Geico$212$2,542-27%$-941
Farmers$297$3,5622%$79

Cheapest Car Insurance With an Accident in Massachusetts

Massachusetts drivers with an accident on their record can find the most affordable coverage through Plymouth Rock at $37 per month ($443 annually).

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Safety Insurance$128$1,536-0.50$-1,554
Plymouth Rock Insurance$191$2,297-0.26$-793
Geico$184$2,209-0.29$-881
Allstate$305$3,6640.19$574
Quincy Insurance$304$3,6440.18$554

Cheapest Car Insurance With an Speeding Ticket

Massachusetts drivers with speeding tickets can find the lowest rates through Plymouth Rock. The provider offers minimum coverage at $403 per year, while full coverage costs $1,183 annually.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Below Fair
Safety Insurance$108$1,293-46%$-1,099
Plymouth Rock Insurance$185$2,218-7%$-174
Geico$137$1,649-31%$-743
Farmers$181$2,174-9%$-218
Allstate$186$2,235-7%$-157

Cheapest Car Insurance With a Texting While Driving Violation

For drivers ticketed for texting while driving in Massachusetts, Safety Insurance leads with rates of $35 per month ($426 annually), about 35% below the state average. Plymouth Rock Insurance also offers low premiums at $38 per month, an average of 35% savings.

Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
Select
Gender:Male
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Credit Alignment:Good
Plymouth Rock Insurance$35$426-35%$-234
Safety Insurance$38$454-31%$-206
Geico$41$496-25%$-164
Amica$43$517-22%$-143
Arbella$45$540-18%$-120

How to Get the Cheapest Car Insurance in Massachusetts

Finding the most affordable insurance companies is just one part of getting the best rates in Massachusetts. Here are proven strategies to save the most on auto insurance.

  1. 1

    Compare insurers despite strict regulation

    Massachusetts regulates coverage and pricing, but drivers can still save by shopping. Rates vary between Boston, Worcester, and smaller towns.

  2. 2

    Meet Massachusetts’ higher minimums

    Drivers must carry 20/40/5 liability, 8/16 UM/UIM, and $8,000 PIP. These requirements exceed those of many states, which helps explain higher baseline premiums.

  3. 3

    Know the Merit Rating System

    Massachusetts tracks accidents and violations through its Merit Rating Board. Safe drivers earn credits, while violations raise rates. Avoiding tickets and crashes directly cuts premiums.

  4. 4

    Use discounts available in Massachusetts

    Common discounts include bundling, telematics, good student, and anti-theft device discounts (especially important in Boston). Completing driver education also lowers rates for younger drivers.

  5. 5

    Consider location-specific coverage

    Boston and Springfield drivers face higher theft and crash rates, making full coverage important. Rural drivers may save with liability-only on older vehicles.

  6. 6

    Apply through MAIP if denied

    The Massachusetts Automobile Insurance Plan (MAIP) provides access to required coverage if you cannot secure it in the open market.

Risks of Getting the Cheapest Car Insurance in Massachusetts

Massachusetts's minimum required coverage follows a 20/40/5 liability structure. This means drivers must carry $20,000 for bodily injury liability per person, $40,000 total injury coverage per accident and $5,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:

    accident2 icon

    Vehicle damage if you're at fault won't be covered

    Without collision coverage, you'll pay all repair costs if you cause an accident. In Massachusetts, average property damage claims hit $4,732 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.

    hurricane icon

    Weather risks make damage to your car more likely and aren't covered

    Massachusetts gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows significant winter storm damage in 2023. Basic coverage won't pay for storm damage. Add comprehensive coverage to protect against hail, flooding and falling trees.

    injury icon

    Bodily injury damage is more likely to be higher than the minimum limits

    Massachusetts's $20,000 minimum bodily injury coverage often isn't enough. Insurance Information Institute data shows average bodily injury claims reached $18,450 in 2023, dangerously close to the minimum limit. Rising healthcare costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least $50,000 per person for better protection.

    uninsured icon

    Not having uninsured motorist coverage opens you up to unexpected costs

    Massachusetts has a low uninsured driver rate, with 3.5% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these scenarios.

    handcuffs2 icon

    Vehicle theft damage is more likely and uncovered

    Car theft is a real problem in Massachusetts, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.

Minimum Coverage Requirements in Massachusetts

Massachusetts law requires all drivers to carry auto insurance to operate a vehicle legally. The state follows a no-fault system, meaning your own insurer pays for medical expenses after an accident, regardless of fault. By law, every policy must include bodily injury liability, property damage liability, Personal Injury Protection (PIP), and uninsured motorist coverage. While these minimums keep you compliant, many drivers purchase higher limits for stronger protection.

Coverage Type
Minimum Required Limit

Bodily Injury Liability (Per Person)

$20,000 per person

Bodily Injury Liability (Per Accident)

$40,000 per accident

Bodily Injury Liability (When Accident Occurs Out of State)

$20,000 per person / $40,000 per accident

Property Damage Liability

$5,000 per accident

Personal Injury Protection (PIP)

$8,000 per person, per accident

Cheap Car Insurance in Massachusetts: Bottom Line

Plymouth Rock offers the lowest car insurance rates in Massachusetts for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.

Cheap Car Insurance in Massachusetts: FAQ

Below, we answer common questions about Massachusetts car insurance to help you find affordable coverage that fits your needs.

What are the cheapest car insurance companies in Massachusetts?

Who has the cheapest car insurance rates for young drivers in Massachusetts?

Who offers the cheapest car insurance rates for seniors in Massachusetts?

Who has the cheapest car insurance in Massachusetts for bad credit?

Who has the cheapest car insurance in Massachusetts with an accident?

Who has the cheapest car insurance in Massachusetts with a DUI?

Who has the cheapest car insurance in Massachusetts for those with a speeding ticket?

Should you buy the cheapest car insurance in Massachusetts?

How We Found the Most Affordable Car Insurance in Massachusetts

MoneyGeek collected auto insurance data from the Massachusetts Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Massachusetts.

Massachusetts Driver Profile

Our analysis started with a standard driver profile to find the cheapest rates:

  • 40-year-old male
  • 2012 Toyota Camry LE
  • Clean driving record
  • 12,000 miles driven annually
  • Good credit
  • Valid license
  • Currently insured
  • No claims history

We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.

Standard Coverage Levels in Massachusetts

We compared car insurance companies in Massachusetts that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Massachusetts.

The minimum coverage liability limits in Massachusetts are:

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

For full coverage policy rates, we used the following liability limits:

  • $100,000 for bodily injury liability per person
  • $300,000 for bodily injury liability per accident
  • $100,000 for property damage liability
  • Comprehensive and collision coverage with a $1,000 deductible

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


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