Cheapest Car Insurance in Massachusetts (2022)

The cheapest car insurance companies in Massachusetts: Citizens, $45 a month; Safety, $50; and GEICO, $64.

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Citizens and Safety are the cheapest car insurance companies in Massachusetts, according to our survey of providers in the state.

Citizens has an average rate of $45 a month for minimum-coverage car insurance, while Safety has the next-cheapest rate of $50 a month. Safety has the cheapest full-coverage car insurance in Massachusetts, at $105 a month.

In this article

Who has the cheapest car insurance in Massachusetts?

Citizens is the best company for cheap auto insurance in Massachusetts. Safety is the cheapest in the state for full-coverage car insurance. Both providers offer rates that are cheaper than the average car insurance rate in Massachusetts, which is $87 a month for minimum coverage and $205 for full coverage.

Cheapest minimum-coverage car insurance in Massachusetts

Citizens has the cheapest average minimum-coverage rate for car insurance in Massachusetts, at $45 a month. Safety has the second-lowest average rate for minimum coverage, at $50 a month.

Company Annual Monthly
Citizens $545 $45
Safety $594 $50
GEICO $774 $64
Average $1,045 $87
Plymouth Rock Assurance $1,135 $95
Arbella $1,205 $100
Progressive $1,226 $102
Standard Fire $1,836 $153
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance in Massachusetts

Safety is the cheapest full-coverage car insurance provider in Massachusetts, at an average of $105 a month. Citizens comes in as the second most affordable full-coverage provider, at $147 a month.

Company Annual Monthly
Safety $1,266 $105
Citizens $1,767 $147
GEICO $1,897 $158
Progressive $2,135 $178
Average $2,456 $205
Arbella $2,838 $237
Plymouth Rock Assurance $3,331 $278
Standard Fire $3,962 $330
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance combines liability coverage with collision and comprehensive coverages. Full coverage is valuable because liability insurance alone does not cover your own costs after an accident, only damage or injuries you cause others.

Cheapest car insurance for drivers with an accident history

For Massachusetts drivers with an accident on their insurance records, Safety has the cheapest average rate of $194 a month. GEICO has the second most affordable monthly premium of $236.

Company Annual Monthly
Safety $2,325 $194
GEICO $2,832 $236
Progressive $3,138 $261
Citizens $3,212 $268
Average $3,712 $309
Plymouth Rock Assurance $3,775 $315
Arbella $4,351 $363
Standard Fire $6,349 $529
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a DUI

Progressive has the lowest average rate of $208 a month for minimum-coverage car insurance after a DUI. Citizens is just behind it, at $214 a month after a DUI.

Company Annual Monthly
Progressive $2,494 $208
Citizens $2,565 $214
Safety $3,203 $267
GEICO $3,232 $269
Average $4,057 $338
Arbella $5,248 $437
Plymouth Rock Assurance $5,310 $442
Standard Fire $6,349 $529
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

On top of higher rates, a DUI can bring a lot of other problems with it. In Massachusetts, license suspension, fines and even jail time are possible consequences of a DUI. In the case of a driver's license suspension, you may need to file an SR-22 in order to reinstate your license. An SR-22 is a document that proves you carry the minimum car insurance required by state law.

Car insurance companies often consider drivers with a DUI to be among the highest risk, and charge higher rates because of it. In some cases, they may refuse to cover you at all.

Cheapest car insurance for drivers with a speeding ticket

If you have a speeding ticket in Massachusetts, drivers can find the cheapest car insurance from Safety for an average $157 a month. GEICO has the second-lowest rate of $175 a month.

Company Annual Monthly
Safety $1,885 $157
GEICO $2,106 $175
Progressive $2,750 $229
Citizens $2,947 $246
Arbella $3,082 $257
Average $3,300 $275
Plymouth Rock Assurance $5,030 $419
Standard Fire $5,299 $442
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get cheap car insurance in Massachusetts

Cheapest Massachusetts car insurance companies for teen drivers

Teen drivers in Massachusetts pay the cheapest rates for minimum-coverage car insurance with Citizens. GEICO has the cheapest full-coverage rates for teens in the state, as well as being the most affordable provider for teens with accidents, tickets or DUIs on their record.

An 18-year-old driver in Massachusetts pays an average $238 a month for minimum car insurance, and $571 a month for full-coverage insurance. Due to a lack of driving experience that leads to a higher chance of an accident, teen drivers pay the highest car insurance premiums.

Cheapest minimum-coverage car insurance for teens

Eighteen-year-old drivers in Massachusetts pay the cheapest rates for minimum car insurance with Citizens — an average $154 a month. GEICO has the second-cheapest rate of $164 a month.

Company Annual Monthly
Citizens $1,849 $154
GEICO $1,967 $164
Safety $2,513 $209
Average $2,856 $238
Plymouth Rock Assurance $2,960 $247
Arbella $2,999 $250
Standard Fire $3,466 $289
Progressive $4,240 $353
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage auto insurance for teens

Massachusetts teen drivers pay the cheapest average rate for full-coverage car insurance with GEICO, at $403 a month. Safety has the second-cheapest rate for teens looking for full coverage, with an average premium of $449 a month.

Company Annual Monthly
GEICO $4,839 $403
Safety $5,392 $449
Citizens $5,950 $496
Average $6,850 $571
Arbella $7,663 $639
Standard Fire $7,726 $644
Progressive $8,068 $672
Plymouth Rock Assurance $8,309 $692
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens after an accident

Teen drivers in Massachusetts with an accident on their record pay the cheapest car insurance rate of $496 a month with GEICO. Safety has the second most affordable rate available, $543 a month.

Company Annual Monthly
GEICO $5,954 $496
Safety $6,512 $543
Citizens $7,943 $662
Average $8,379 $698
Plymouth Rock Assurance $8,654 $721
Arbella $9,054 $755
Progressive $9,406 $784
Standard Fire $11,128 $927
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a DUI

If you're a teen driver in Massachusetts with a DUI, you'll find the cheapest car insurance rate from GEICO, at an average $555 a month. Citizens has the second-lowest rate, $619 a month.

Company Annual Monthly
GEICO $6,659 $555
Citizens $7,425 $619
Safety $7,554 $629
Progressive $8,601 $717
Average $8,819 $735
Plymouth Rock Assurance $10,075 $840
Arbella $10,350 $863
Standard Fire $11,066 $922
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teens with a speeding ticket

Massachusetts teens with speeding tickets on their record pay the cheapest average auto insurance rate of $403 a month with GEICO. Safety has the second-lowest rate, at $449 a month.

Company Annual Monthly
GEICO $4,839 $403
Safety $5,392 $449
Average $7,641 $637
Arbella $7,663 $639
Citizens $7,664 $639
Progressive $8,916 $743
Standard Fire $9,200 $767
Plymouth Rock Assurance $9,812 $818
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors in Massachusetts

Citizens provides the cheapest minimum-coverage rates for senior drivers in Massachusetts, and Safety has the cheapest rate for seniors looking for full-coverage. Senior drivers often pay higher car insurance rates than younger demographics due to response time loss that can happen as we age, which insurers consider a risk factor. Still, a senior driver with a clean record still tends to pay a lower rate than teen drivers.

Cheapest minimum-coverage auto insurance for seniors

Citizens has the lowest average rate of $45 a month for seniors in Massachusetts looking for minimum liability auto insurance. Safety is the second most affordable auto insurer for seniors, at $50 a month.

Company Annual Monthly
Citizens $545 $45
Safety $594 $50
GEICO $774 $64
Average $1,045 $87
Plymouth Rock Assurance $1,135 $95
Arbella $1,205 $100
Progressive $1,226 $102
Standard Fire $1,836 $153
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for seniors

Safety carries the lowest full-coverage car insurance rates for Massachusetts seniors, at $105 a month. Citizens has the second-lowest full-coverage average rate of $147 a month.

Company Annual Monthly
Safety $1,266 $105
Citizens $1,767 $147
GEICO $1,897 $158
Progressive $2,135 $178
Average $2,456 $205
Arbella $2,838 $237
Plymouth Rock Assurance $3,331 $278
Standard Fire $3,962 $330
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with an accident record

If you're a Massachusetts senior with an accident on your insurance record, your cheapest average rate for minimum-coverage auto insurance is $194 a month. GEICO has the second-cheapest average rate of $236 a month.

Company Annual Monthly
Safety $2,325 $194
GEICO $2,832 $236
Progressive $3,138 $261
Citizens $3,212 $268
Average $3,712 $309
Plymouth Rock Assurance $3,775 $315
Arbella $4,351 $363
Standard Fire $6,349 $529
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors after a DUI

A senior driver in Massachusetts with a DUI can find the cheapest average rate for minimum-coverage auto insurance with Progressive, at $208 a month. Citizens is the second-cheapest choice, at $214 a month.

Company Annual Monthly
Progressive $2,494 $208
Citizens $2,565 $214
Safety $3,203 $267
GEICO $3,232 $269
Average $4,057 $338
Arbella $5,248 $437
Plymouth Rock Assurance $5,310 $442
Standard Fire $6,349 $529
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for seniors with a speeding ticket

Senior drivers with a speeding ticket can find the cheapest car insurance with Safety, at an average rate of $157 a month. GEICO has the second most affordable rate of $175 a month on average.

Company Annual Monthly
Safety $1,885 $157
GEICO $2,106 $175
Progressive $2,750 $229
Citizens $2,947 $246
Arbella $3,082 $257
Average $3,300 $275
Plymouth Rock Assurance $5,030 $419
Standard Fire $5,299 $442
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Find the cheapest auto insurance for Massachusetts drivers

Cheapest car insurance rates in Massachusetts by city

Cambridge has the lowest minimum-coverage car insurance rate in Massachusetts, at an average $884 a month. Lowell is right behind it, at $925 a month. Boston has the third-cheapest average car insurance premium, $976 a month.

Coverage Annual rate
Boston $976
Brockton $1418
Cambridge $884
Fall River $1,036
Lowell $925
Lynn $1,174
New Bedford $1,020
Quincy $978
Springfield $1,224
Worcester $991
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are the car insurance requirements in Massachusetts?

Massachusetts requires drivers to have the following minimum-coverage limits:

  • Bodily injury liability per person: $20,000
  • Bodily injury liability per accident: $40,000
  • Property damage liability: $5,000

Registered drivers in Massachusetts are also required to have the following:

  • Uninsured motorist bodily injury coverage per person: $20,000
  • Uninsured motorist bodily injury coverage per accident: $40,000
  • Personal injury protection: $8,000

Keep in mind that these limits are usually only practical for meeting liability limit requirements in Massachusetts. In the event of a major accident, these limits will likely be insufficient to cover hospital bills or a long court case. To avoid having to pay any of the costs of an accident out of your own pocket, we recommend raising your car insurance limits to the following:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

Methodology

QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Massachusetts:

  • Arbella
  • Citizens
  • GEICO
  • Plymouth Rock
  • Progressive
  • Safety
  • Travelers

Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.

When discussing minimum-coverage car insurance, we used the following limits:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage liability: $100,000

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