The average Massachusetts driver pays $73 a month.
See Your RatesBased on our research, drivers pay an average of $73 per month if they buy the minimum amount of car insurance required in Massachusetts. And they pay an average monthly premium of $185 for a full-coverage policy.
Several companies offer low-cost car insurance to Massachusetts drivers. To find the best, you should compare rates from at least three car insurance companies.
To get the cheapest state-minimum auto insurance in Massachusetts, go to State Farm. Of all the providers we surveyed, it offered our sample driver by far the lowest rates for this type of policy, at $27 per month. The average monthly premiums Citizens and MetLife provided as part of our statewide survey were almost as affordable — coming in at $44 and $49, respectively.
| Company | Average monthly rate |
|---|---|
| State Farm | $27 |
| Citizens | $44 |
| MetLife | $49 |
| Safety | $52 |
| Amica | $59 |
| GEICO | $62 |
| Massachusetts average | $73 |
| Arbella | $82 |
| Allstate | $89 |
| Progressive | $90 |
| Plymouth Rock Assurance | $99 |
| Standard Fire | $147 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t ignore the other providers listed here; compare quotes from them, too. Several rate factors determine what you pay for auto insurance coverage, including your age, gender, location, and the make and model of your vehicle.
Be aware: a minimum liability insurance policy is the most affordable option, but you will only have the bare coverage needed to drive legally in the state. If you own a newer or more expensive vehicle, this level of protection may be insufficient, so make sure you evaluate your particular needs before purchasing a plan.
State Farm proved to be the cheapest of the bunch once again, offering an average rate of $75 per month for a full-coverage policy. The monthly rate Safety offered was more than $34 higher than State Farm’s, but nearly $80 less than the state average for this type of auto coverage.
| Company | Average monthly rate |
|---|---|
| State Farm | $75 |
| Safety | $109 |
| Citizens | $156 |
| GEICO | $157 |
| MetLife | $157 |
| Amica | $160 |
| Progressive | $162 |
| Massachusetts average | $185 |
| Arbella | 204 |
| Allstate | $227 |
| Plymouth Rock Assurance | $292 |
| Standard Fire | $334 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A full-coverage policy is more expensive than a minimum liability policy because it includes comprehensive and collision coverages. Comprehensive coverage reimburses you for vehicular damage caused by events out of your control, including theft, vandalism and natural disasters. Collision coverage protects you if you crash into a stationary object or car.
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Out of 11 major insurance companies in Massachusetts, State Farm and Safety offered the cheapest rates after an accident. While Plymouth Rock Assurance had the smallest rate increase, its rates are still on the expensive side.
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $116 | $41 |
| Safety | $109 | $202 | $93 |
| GEICO | $157 | $229 | $72 |
| Progressive | $162 | $239 | $77 |
| Amica | $160 | $253 | $93 |
| Citizens | $156 | $278 | $122 |
| MetLife | $157 | $280 | $123 |
| Arbella | $204 | $314 | $110 |
| Plymouth Rock Assurance | $292 | $329 | $37 |
| Allstate | $227 | $372 | $145 |
| Standard Fire | $334 | $537 | $203 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
It's no secret that drivers with a poor driving record or history of accidents receive higher quotes on average compared to drivers with no record. That’s because insurance companies use driving history as an indicator of how risky you are to insure.
To get an accident off your record, the best thing to do is to wait. Accidents usually stay on your record for three to five years.
A DUI is a serious red flag to insurers, indicating that you are a risky driver to insure. As a result, insurers may raise your rates substantially. For instance, State Farm, the cheapest insurer, increased its monthly premium by $66 on average — an annual price increase of almost $800.
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $141 | $66 |
| Progressive | $162 | $188 | $26 |
| Citizens | $156 | $226 | $70 |
| GEICO | $157 | $261 | $104 |
| Safety | $109 | $282 | $173 |
| MetLife | $157 | $321 | $164 |
| Amica | $160 | $325 | $165 |
| Arbella | $204 | $381 | $177 |
| Plymouth Rock Assurance | $292 | $431 | $139 |
| Allstate | $227 | $458 | $231 |
| Standard Fire | $334 | $535 | $201 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
State Farm offered our sample driver with a speeding ticket the cheapest full-coverage auto insurance in Massachusetts. For that kind of policy, the average rate quote was $86 per month.
Most notably, Allstate did not increase rates after a speeding ticket.
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $86 | $11 |
| Safety | $109 | $164 | $55 |
| GEICO | $157 | $172 | $15 |
| Amica | $160 | $190 | $30 |
| MetLife | $157 | $194 | $37 |
| Progressive | $162 | $208 | $46 |
| Arbella | $204 | $222 | $18 |
| Allstate | $227 | $227 | $0 |
| Citizens | $156 | $256 | $100 |
| Plymouth Rock Assurance | $292 | $416 | $127 |
| Standard Fire | $334 | $447 | $113 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Age plays a big part in determining your insurance premium. Young and inexperienced drivers receive higher rates on average compared to their more experienced and older counterparts. This is because teen drivers are statistically most likely to be involved in an accident or major driving violation.
While teenage and young driver pay more expensive rates, there are ways you can lower the costs:
Car insurance rates vary at the local level because each city has different levels of vehicular crimes and population density. Residents of areas with high populations, like Brockton and Malden, receive higher average rates compared to people in more sparsely populated areas, including Beverly and Salem.
| ZIP code | City | Minimum coverage | |
|---|---|---|---|
| 01201 | Pittsfield | $51 | |
| 01841 | Lawrence | $76 | |
| 01844 | Methuen | $67 | |
| 01915 | Beverly | $56 | |
| 01960 | Peabody | $67 | |
| 01970 | Salem | $71 | |
| 02124 | Dorchester Center | $102 | |
| 02128 | East Boston | $79 | |
| 02135 | Brighton | $69 | |
| 02148 | Malden | $86 | |
| 02149 | Everett | $88 | |
| 02151 | Revere | $92 | |
| 02155 | Medford | $70 | |
| 02169 | Quincy | $73 | |
| 02301 | Brockton | $105 | |
| 02360 | Plymouth | $60 | |
| 02703 | Attleboro | $57 | |
| 02740 | New Bedford | $76 | |
| 02780 | Taunton | $68 | |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
It's not enough to just have the best car insurance rates; the ideal insurer should also have phenomenal customer service. The last thing you want when you file a claim is for the process to be long, strenuous and unsatisfactory.
State Farm, while being the cheapest insurer overall, is rated in the middle when it comes to customer service, according to studies by the National Association of Insurance Commissioners (NAIC) and J.D. Power.
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | National Association of Insurance Commissioners (NAIC) Complaint Index |
|---|---|---|
| Citizens | N/A | 0.35 |
| Plymouth | 804 | 0.54 |
| Standard Fire | N/A | 0.56 |
| Allstate | 810 | 0.63 |
| Safety Insurance | 817 | 0.63 |
| GEICO | 841 | 0.69 |
| Arbella | 809 | 0.70 |
| State Farm | 855 | 0.70 |
| Progressive | 840 | 0.82 |
| MetLife | 774 | 1.18 |
| Amica | 863 | 1.23 |
| J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The industry average for the New England area, which includes Massachusetts, is 828. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||
Every state has driving laws that outline the amount of coverage you need to operate your car. In Massachusetts, you must meet at least the following requirements:
| Coverage requirement | Limits |
|---|---|
| Bodily injury liability (BIL) | $20,000 per person/$40,000 per accident |
| Property damage liability (PDL) | $5,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $10,000 per accident |
| Personal injury protection (PIP) | $8,000 per accident |
Massachusetts is one of 12 no-fault states in the U.S. This means that, in the event of an accident, drivers are reimbursed by their own insurance company, regardless of who was at fault. As a result, Massachusetts drivers are required to carry PIP. However, if you are involved in an accident that results in over $2,000 of medical bills or received injuries resulting in disfigurement or death.
According to our 2021 study on infrastructure in the U.S., Massachusetts ranks as having the 17th worst overall road infrastructure out of the 50 states. Approximately 25% of Massachusetts roads have been assessed as being non-acceptable, and 11.5% of bridge decks are deemed as poor quality. This costs motorists an average of $627 per year.
In order to conduct a comprehensive study regarding the state of car insurance in Massachusetts, we obtained rates from Quadrant Information Services. To evaluate our 11 insurers, we used a sample 30-year-old male driver who operates a 2012 Honda Accord LX.
Unless explicitly stated, he has a clean driving history and obtained auto insurance coverage reflective of the state requirements.
During instances where a full-coverage policy was assessed, the following limits were used:
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