Cheapest Car Insurance in Massachusetts for 2026

Plymouth Rock Insurance is cheapest for minimum coverage in Massachusetts at $23 a month. GEICO and Plymouth Rock Insurance are tied for full coverage at $85 a month.

Written by Mark Fitzpatrick

Updated: October 30, 2026

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Get the cheapest car insurance in Massachusetts below:

Cheapest Minimum Coverage: Plymouth Rock Insurance at $23/month
Cheapest Full Coverage: GEICO and Plymouth Rock Insurance tied at $85/month
Teen Driver, Age 16 (Full Coverage): Plymouth Rock Insurance at $346/month
Driver, Age 25 (Full Coverage): Plymouth Rock Insurance at $174/month
Senior Driver, 65+ (Full Coverage): GEICO and Norfolk & Dedham Insurance tied at $67/month
Cheapest by City (Minimum Coverage): $21/month in Haverhill to $32/month in Brockton
At-Fault Accident (Full Coverage): Arbella at $115/month
OUI (Full Coverage): Plymouth Rock Insurance at $135/month
Speeding Ticket (Full Coverage): GEICO at $95/month
Texting While Driving (Full Coverage): GEICO at $95/month

Cheapest Car Insurance in Massachusetts by Coverage Type

Plymouth Rock Insurance is cheapest for minimum coverage in Massachusetts at $23 a month. For full coverage, GEICO and Plymouth Rock Insurance are tied at $85 a month. GEICO at $85 suits drivers who are comfortable managing everything through an app and accept the risk that a first at-fault accident could raise their rate.

Plymouth Rock Insurance at the same $85 is the stronger choice for drivers after a first at-fault accident; Plymouth Rock Insurance stays at $85 while GEICO raises it to $128, a $43 monthly increase that can last up to six years.

Compare the best car insurance in Massachusetts in the table below to find the lowest rate from the top-rated companies MoneyGeek analyzed in 2026.


Plymouth Rock Insurance	$23	$85	4.75
Geico	$39	$85	4.17
Quincy Insurance	$42	$92	4.12
Norfolk & Dedham Insurance	$42	$96	4.34
Arbella	$47	$100	4.02

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Full coverage is worth adding for most Massachusetts drivers, especially if your car is financed, leased or would be hard to replace with cash. Minimum coverage doesn't pay to repair or replace your own vehicle.

Massachusetts requires more types of coverage than most states: four compulsory parts, including personal injury protection (PIP). PIP pays up to $8,000 for medical bills and lost wages no matter who caused the crash. But none of the four required coverages pays for damage to your car. If you cause a collision, or your car is flooded, crushed or stolen, you pay the repair costs yourself unless you've added collision and comprehensive coverage.

Collisions are the claim Massachusetts drivers face most often

Collision is the most frequently filed claim for damage to your own car in the U.S., and Massachusetts drivers crash more often than most. Allstate's 2026 Best Drivers Report ranked Boston the most collision-prone of the nation's 200 largest cities, with drivers averaging a crash every 3.7 years. Worcester (every 5.14 years) and Springfield (every 5.18 years) ranked near the bottom too. With crashes that frequent, going without collision coverage is a real gamble in Massachusetts.

Nor'easter risks for Massachusetts drivers

Nor'easters bring several kinds of vehicle damage, and each one falls under a different coverage:

Flooding: Storm surge and flash flooding along the coast and in low-lying streets can total a car. Comprehensive covers it.

Falling trees and limbs: High winds and heavy, wet snow bring down branches onto parked cars. Comprehensive covers this, even when the tree is on a neighbor's property.

Roof snow, ice and collapses: Ice sliding off roofs and carports or garages collapsing under snow load fall under comprehensive.

Skidding on ice: Sliding into another car, a guardrail or a pole is a collision claim, not comprehensive. If you only carry comprehensive, it won't pay for this.

Hit-and-run while parked: A skidding car or plow that hits your parked car and leaves isn't covered by Massachusetts' uninsured motorist coverage, which pays only for injuries. You need collision coverage to repair your car.

Coverage has to be on your policy before the storm hits. A flooded or totaled car is paid out at actual cash value, so if you owe more than the car is worth, gap insurance covers the difference.
Massachusetts updated its compulsory coverage limits on July 1, 2025 for the first time since 1988. Property damage went from $5,000 to $30,000. Bodily injury and uninsured motorist limits rose from $20,000/$40,000 to $25,000/$50,000. If your policy renewed before that date, your limits are below what Massachusetts minimum coverage now requires. Check before your next renewal.

Massachusetts also has a tort threshold. You can only sue the driver who caused the accident for pain and suffering when medical expenses exceed $2,000 or the injury is listed as serious. For most minor accidents, PIP handles your bills and that is where it ends. Full coverage adds collision and comprehensive on top of the four compulsory coverages. If you have a loan or lease, your lender requires full coverage regardless of vehicle value. How much car insurance you need in Massachusetts comes down to your vehicle's value and the winter weather and road conditions Massachusetts drivers face every year.

Cheapest Car Insurance for Teens and Young Adults in Massachusetts

Plymouth Rock Insurance is the cheapest car insurance for teens and young adult drivers in Massachusetts at every age from 16 to 25. The rate starts at $346 a month for a 16-year-old and falls to $174 a month by age 25.

Families adding a teen to an existing Plymouth Rock Insurance policy should ask about the new driver family discount at the time of quoting, which reduces the rate immediately when a driver under 19 is added. Once the policy is active, enrolling in DriveSavely can lower the rate further at renewal for teen drivers who demonstrate safe driving through the app. At the maximum 30% discount, a 16-year-old's $346 monthly rate drops to $242, a saving of $104 a month or $1,248 a year.


16	Plymouth Rock Insurance	$346
17	Plymouth Rock Insurance	$306
18	Plymouth Rock Insurance	$279
19	Plymouth Rock Insurance	$251
20	Plymouth Rock Insurance	$237
21	Plymouth Rock Insurance	$224
22	Plymouth Rock Insurance	$182
23	Plymouth Rock Insurance	$181
24	Plymouth Rock Insurance	$178
25	Plymouth Rock Insurance	$174

Massachusetts bans age-based pricing as a direct rating factor, but driving experience still affects rates through the Safe Driver Insurance Plan. Teen drivers start with no SDIP history and build a record over time. Massachusetts also bans gender as a rating factor, so one rate applies at each age regardless of gender.

Cheapest Car Insurance for Seniors in Massachusetts

Norfolk & Dedham Insurance and GEICO are both cheapest for seniors in Massachusetts at $67 a month for full coverage. Norfolk & Dedham Insurance has operated in Massachusetts since 1825. Norfolk & Dedham agents handle claims in the same communities they cover, not through a call center or an app like GEICO. Seniors who want local, in-person support after an accident will find Norfolk & Dedham Insurance the right choice.

GEICO's $67-a-month rate matches Norfolk & Dedham, but GEICO is built around a fully digital claims experience and offers a telematics program called DriveEasy that monitors hard braking and quick acceleration and gives discounts to safe drivers. At the average 15% discount from DriveEasy, the $67 rate drops to $57 per month, a savings of $10 per month or $120 per year. Norfolk & Dedham Insurance does not have a telematics program; seniors who prioritize lowering their rates over local service should get a quote from GEICO.


Geico	$67	$803	4.21
Norfolk & Dedham Insurance	$67	$806	4.58
Plymouth Rock Insurance	$76	$906	4.53
Arbella	$83	$1,001	4.28
Safety Insurance	$93	$1,119	4.29

HOW MASSACHUSETTS PIP WORKS WITH MEDICARE FOR SENIOR DRIVERS

For senior drivers, how much of PIP's $8,000 goes toward medical bills depends on your other health coverage:

Private health insurance, including retiree plans: State law limits PIP to $2,000 for medical bills your health plan covers. The rest of your PIP can still pay for lost wages, help at home and medical costs your plan doesn't cover, like copays and deductibles.
MassHealth: MassHealth is the payer of last resort, so PIP pays before it does.

Seniors who rely on Medicare without a supplemental plan should keep PIP rather than waiving it in writing, since basic Medicare does not cover all accident-related medical costs. Seniors with comprehensive health coverage may be able to reduce PIP costs. Retirees with no paycheck get little from the lost-wage benefit, but PIP still pays for replacement services like help with cleaning and errands while you recover. Adding optional medical payments coverage can pick up costs after your $8,000 in PIP runs out.

Cheapest Car Insurance by City in Massachusetts

Plymouth Rock Insurance is cheapest in all 20 of Massachusetts's most populous cities. The rate ranges from $21 a month in Haverhill, Newton and Waltham to $32 a month in Brockton. In Massachusetts, the city changes what the company charges, not which company to get a quote with. Plymouth Rock was founded in Massachusetts and has priced policies across the state's communities for over 40 years. Getting a quote from Plymouth Rock Insurance is the right first step regardless of which city you live in.

The $11 monthly gap between Haverhill ($21) and Brockton ($32), the narrowest city range of any state MoneyGeek has analyzed, reflects how much Massachusetts's rating restrictions compress what insurers can charge.

Brockton drivers pay $11 more a month than drivers in Haverhill because the risk there is higher. Brockton has one of the highest vehicle theft rates in the state, ranking second in Massachusetts for thefts per capita. Boston at $25 a month is cheaper than Brockton despite being the state's largest city, because theft and accident rates in Brockton's ZIP codes run higher than in downtown Boston.


Haverhill	Plymouth Rock Insurance	$21	$256
Newton	Plymouth Rock Insurance	$21	$258
Waltham	Plymouth Rock Insurance	$21	$253
Brookline	Plymouth Rock Insurance	$22	$264
Framingham	Plymouth Rock Insurance	$22	$259
Plymouth	Plymouth Rock Insurance	$22	$258
Lawrence	Plymouth Rock Insurance	$23	$278
Taunton	Plymouth Rock Insurance	$23	$275
New Bedford	Plymouth Rock Insurance	$24	$292
Somerville	Plymouth Rock Insurance	$24	$291
Boston	Plymouth Rock Insurance	$25	$306
Fall River	Plymouth Rock Insurance	$25	$295
Quincy	Plymouth Rock Insurance	$25	$299
Cambridge	Plymouth Rock Insurance	$27	$320
Lowell	Plymouth Rock Insurance	$28	$331
Lynn	Plymouth Rock Insurance	$28	$337
Malden	Plymouth Rock Insurance	$28	$341
Worcester	Plymouth Rock Insurance	$28	$334
Springfield	Plymouth Rock Insurance	$29	$346
Brockton	Plymouth Rock Insurance	$32	$383

Why Is Car Insurance Cheaper in Massachusetts?

Massachusetts is one of the more affordable states for car insurance despite its high cost of living. Several state-specific rules keep rates lower than the national average, which is $61 a month for minimum coverage and $125 a month for a full coverage policy.

Most states allow insurers to charge more based on credit history or age; in Massachusetts, rates are based on driving record, vehicle type and location alone. Drivers with poor credit who pay high premiums in other states pay the same as drivers with excellent credit here.

Massachusetts also has one of the lowest uninsured-driver rates in the country, at around 3.5%, compared to the national average of roughly 14%. Fewer uninsured drivers means fewer uninsured motorist claims, which holds down the cost for everyone. The SDIP's fixed six-year cap on rate increases after a violation also prevents insurers from charging elevated rates indefinitely, keeping long-term costs more predictable than in most states.

Cheapest Car Insurance for High Risk Drivers in Massachusetts

Massachusetts has three different cheapest providers across its four major violation types. The Safe Driver Insurance Plan sets a fixed six-year window on how long each violation can raise your rate. GEICO is cheapest after a speeding ticket and texting while driving violation at $95 a month. Arbella is cheapest after an at-fault accident at $115 a month. Plymouth Rock Insurance is cheapest after an OUI at $135 a month and has the strongest claims record of any provider in this group, making it both the lowest-cost and best-rated choice for that violation.


At-Fault Accident	Arbella	$115	$56	4.38/5
OUI	Plymouth Rock Insurance	$135	$40	4.75/5
Speeding Violation	GEICO	$95	$44	4.35/5
Texting While Driving	GEICO	$95	$44	4.35/5

Plymouth Rock Insurance is cheapest after an OUI in Massachusetts at $135 a month for full coverage, adding $50 to its $85 clean-record rate. Under Massachusetts's Safe Driver Insurance Plan, an OUI triggers the largest rate increase of any violation: more than a speeding ticket, more than an at-fault accident.

Plymouth Rock Insurance also has the strongest claims record among the five carriers in this OUI group, so drivers get the lowest rate and the best-rated claims experience from the same carrier.

The more important reason to choose Plymouth Rock Insurance after an OUI for minimum coverage is what it protects against. The SDIP assigns three points for a first at-fault accident and keeps the higher rate for up to six years, on any policy, minimum or full. Plymouth Rock Insurance's accident forgiveness blocks that increase even on a $23 minimum policy.


Plymouth Rock Insurance	$135	$40	4.75
Geico	$147	$69	4.13
Arbella	$161	$80	4.1
Quincy Insurance	$193	$96	3.86
Norfolk & Dedham Insurance	$213	$95	4

Massachusetts does not require an SR-22 filing after an OUI conviction. The Registry of Motor Vehicles handles license reinstatement separately. Once you are eligible to reinstate your license and maintain continuous coverage, the six-year SDIP window starts running. Under Melanie's Law, a prior OUI conviction never expires on the official driving record. The insurance rate increase follows the six-year SDIP window and clears; the conviction does not.

If you already have an at-fault accident on your record, Arbella is your best choice. It is cheapest in this group at $115 a month, $15 more than its normal rate, and it handles collision and liability claims more reliably than GEICO, Quincy Insurance and Norfolk & Dedham Insurance at this price.

If you are on a clean record right now, Plymouth Rock Insurance at $85 a month is the stronger long-term choice. Plymouth Rock Insurance costs $130 a month after an at-fault accident, but its accident forgiveness means that first accident does not raise your rate at all on a clean-record policy. That is a $45 difference in what you would pay after an accident. The better time to choose Plymouth Rock Insurance is before one happens.


Arbella	$115	$56	4.38
Geico	$128	$60	4.2
Plymouth Rock Insurance	$130	$39	4.75
Norfolk & Dedham Insurance	$150	$68	4.32
Quincy Insurance	$154	$77	4.07

GEICO is cheapest after a speeding ticket in Massachusetts at $95 a month for full coverage, a $10 increase over its $85 clean-record rate. You have 20 days to pay or appeal your ticket. Paying the fine counts as a conviction for insurance purposes, while requesting a hearing gives you a chance to be found not responsible. Completing an approved driving course can keep the citation off the RMV record entirely and prevent the $10 rate increase from applying at all.


Geico	$95	$44	4.35
Arbella	$100	$47	4.37
Quincy Insurance	$118	$57	4.15
Norfolk & Dedham Insurance	$123	$55	4.37
Plymouth Rock Insurance	$125	$35	4.63

How Long Does a Violation Stay on Your Record in Massachusetts?

Massachusetts keeps two separate clocks after a violation: one for your RMV driving record and one for your insurance rate. The insurance rate increase clears after six years regardless of how long the violation stays on the official Safe Driver Insurance Plan record.

At GEICO, clearing a speeding ticket or texting violation recovers $10 a month, from $95 back to $85. At Arbella, clearing an at-fault accident recovers $15 a month, from $115 back to $100. Neither rate drops automatically; get new quotes before your next renewal once the six-year window closes.

An OUI under Melanie's Law is different. A speeding ticket eventually fades from the RMV record; an OUI conviction stays permanently. The insurance rate still follows the six-year window. At Plymouth Rock Insurance, the OUI rate returns to $85 after six years, recovering $50 a month. Get new quotes once the window closes.

How to Get Cheaper Car Insurance in Massachusetts

The biggest savings in Massachusetts come from matching coverage to your vehicle's value, shopping between GEICO and Plymouth Rock Insurance and getting new quotes when a violation ages off. Massachusetts sets its own rate increase window by state law, which means the timeline for rate recovery is predictable regardless of which company the driver is with.

1
Get quotes from Plymouth Rock Insurance and GEICO first and save up to $15 a month
Both Plymouth Rock Insurance and GEICO are tied at $85 a month for full coverage. The next cheapest option is $100 a month. That $15 monthly difference adds up to $180 a year for identical coverage. For minimum coverage, start with Plymouth Rock Insurance at $23 a month.
2
Match your coverage to your vehicle's value and save $62 a month
Full coverage costs $62 more a month than Plymouth Rock Insurance's $23 minimum coverage rate, or $744 a year. A vehicle worth less than $7,440 would cost more to insure at full coverage over ten years than it could return in a total-loss payout. If you have a car loan or lease, full coverage is required regardless of vehicle value. Use the Massachusetts car insurance calculator to run the math for your specific vehicle.
3
Bundle home and auto with the same insurer and lower your combined premium
Ask for a combined quote from Plymouth Rock Insurance or GEICO before renewing either policy separately. Both offer a companion policy discount that lowers the auto premium when home insurance is added to the same account. The discount varies by company and policy mix. The best home and auto bundle in Massachusetts page compares top companies for bundled rates in the state.
4
Get new quotes when the six-year SDIP window closes and recover up to $50 a month
Massachusetts's Safe Driver Insurance Plan sets a fixed six-year limit on how long an insurer can apply a rate increase. Set a calendar reminder for the violation date. At Plymouth Rock Insurance, the OUI rate returns to $85 once the window closes, recovering $50 a month. At GEICO, a speeding or texting violation recovers $10 a month.
5
Enroll in a telematics program and lower your rate at renewal
Two of Massachusetts's top carriers offer telematics programs that can lower the rate for safe drivers at renewal.

GEICO DriveEasy: Tracks driving through the GEICO app and can reduce the rate by up to 25% at renewal. At the maximum discount, the $85 rate drops to $64 a month, saving $21 a month or $252 a year. Drivers with poor driving behavior during the monitoring period may see a rate increase instead.

Plymouth Rock DriveSavely: Tracks driving through the Plymouth Rock app and can reduce the rate by up to 30% at renewal. At the maximum discount, the $85 rate drops to $60 a month, saving $25 a month or $300 a year. Enroll at policy start, not mid-policy, to lock in the discount at the first renewal.

Most Affordable Auto Insurance in Massachusetts Frequently Asked Questions

Plymouth Rock Insurance is cheapest for minimum coverage in Massachusetts at $23 a month and is cheapest after an OUI at $135 a month and for teen drivers at every age from 16 to 25. For full coverage, Plymouth Rock Insurance and GEICO are tied at $85 a month; at the same price, Plymouth Rock Insurance does not raise the rate after a first at-fault accident, which GEICO does. Arbella is the most affordable option after an at-fault accident at $115 a month.

Minimum coverage in Massachusetts starts at $23 a month with Plymouth Rock Insurance for a driver with a clean record. Full coverage starts at $85 a month with either Plymouth Rock Insurance or GEICO. Teen drivers at 16 pay $346 a month with Plymouth Rock Insurance for full coverage on an individual policy. Massachusetts bans credit, gender, age and several other factors as rating criteria, so rates here are determined by driving record, vehicle type and location. The average cost of car insurance in Massachusetts across all carriers and profiles runs above the lowest rates shown here.

Massachusetts does not require an SR-22 filing after an OUI conviction, making it one of the few states that skips that step. The Registry of Motor Vehicles handles license reinstatement separately. Once you meet the reinstatement requirements and maintain continuous coverage, the six-year Safe Driver Insurance Plan window runs and eventually clears the rate increase.

Massachusetts requires four compulsory coverages on every policy: bodily injury liability, personal injury protection (PIP), uninsured motorist bodily injury and property damage. The state updated those minimums on July 1, 2025 for the first time since 1988. Massachusetts also bans credit scores, gender, age, marital status, education and occupation as rating factors. Rates are based on driving record, vehicle type and ZIP code. The Safe Driver Insurance Plan sets a fixed six-year window for how long a violation can affect your rate.

MoneyGeek analyzed car insurance rates for Massachusetts using data from Quadrant Information Services, collected from insurance company filings with the Massachusetts Division of Insurance across all residential ZIP codes in Massachusetts. These are filed rates, not online quote estimates.

Baseline driver profile

Age: 40-year-old male
Vehicle: 2020 Toyota Camry
Record: Clean driving history, good credit
Annual mileage: 12,000 miles
Full coverage: 100/300/100 liability with a $1,000 deductible
Minimum coverage: Massachusetts's 25/50/30 liability limits plus $8,000 compulsory PIP

Profile variations

Teen drivers age 16 through young adults age 25 on a family policy. Massachusetts bans gender-based pricing. A single rate applies at each age.
Senior drivers age 65 and older
Violation profiles with one variable changed at a time
Massachusetts bans the use of credit as a rating factor. No poor-credit profile applies.

USAA is excluded from all tables. USAA is available only to military members, veterans and immediate family. Eligible drivers should include USAA in any comparison.

MoneyGeek scoring factors

Affordability (60%): Normalized rates across all companies within each driver profile
Customer experience (30%): J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings and Google Business ratings
Coverage options (10%): Range of available add-ons and included benefits

The overall MoneyGeek score shown in summary tables reflects this composite. Customer experience sub-scores shown in section tables reflect the customer experience component only and differ from the overall score.

Massachusetts state notes

Massachusetts is a no-fault state. Compulsory personal injury protection of $8,000 is required on every policy written or renewing on or after July 1, 2025. PIP pays a driver's own medical bills after an accident regardless of fault. Massachusetts requires minimum liability limits of 25/50/30. Massachusetts bans gender-based pricing for auto insurance. Credit is also a banned rating factor under Massachusetts law. Drivers are priced on driving record, vehicle type and location only. Rate increases after violations follow a fixed six-year lookback window under the Safe Driver Insurance Plan (211 CMR 134.00). Massachusetts does not require an SR-22 or FR-44 filing after a DUI conviction. A DUI never expires on the official Registry of Motor Vehicles record under Melanie's Law, but the insurance rate increase window still closes after six years.

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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Cheapest Car Insurance in Massachusetts for 2026

Cheapest Car Insurance in Massachusetts by Coverage Type

Your Next Step:

Should You Get Minimum Coverage or Full Coverage in Massachusetts?

What Does Minimum Coverage Cover in Massachusetts?

Cheapest Car Insurance for Teens and Young Adults in Massachusetts

Cheapest Car Insurance for Seniors in Massachusetts

Cheapest Car Insurance by City in Massachusetts

Why Is Car Insurance Cheaper in Massachusetts?

Cheapest Car Insurance for High Risk Drivers in Massachusetts

Best Cheap Car Insurance After an OUI in Massachusetts

Best Cheap Car Insurance After an At-Fault Accident in Massachusetts

Best Cheap Car Insurance After a Speeding Ticket in Massachusetts

How Long Does a Violation Stay on Your Record in Massachusetts?

How to Get Cheaper Car Insurance in Massachusetts

Most Affordable Auto Insurance in Massachusetts Frequently Asked Questions

Who has the cheapest car insurance in Massachusetts?

How much is car insurance per month in Massachusetts?

Does Massachusetts require SR-22 after an OUI?

What car insurance is required in Massachusetts?

About Mark Fitzpatrick