Best Auto Insurance Rates in Massachusetts

The average Massachusetts driver pays $73 a month.

See Your Rates

Cheapest Car Insurance Rates in Massachusetts (2021)

Based 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.

Here's what you need to know to find the cheapest car insurance rates in Massachusetts:

Who has the cheapest car insurance in Massachusetts?

Cheapest minimum-coverage car insurance in Massachusetts

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.

Cheapest car insurance companies for a minimum-coverage policy
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.

Cheapest full-coverage car insurance in Massachusetts

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.

Cheapest car insurance companies for a full-coverage policy
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.

Compare Massachusetts Auto Insurance Rates

See how much you could save with a new policy

Who has the cheapest car insurance coverage for drivers with an incident history?

Cheapest full-coverage car insurance in Massachusetts for drivers with an accident history

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.

Cheapest car insurance companies for drivers with an accident
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.

Cheapest full-coverage car insurance in Massachusetts for drivers with a DUI

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.

Cheapest car insurance companies for drivers with a DUI
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.

Cheapest full-coverage car insurance in Massachusetts for drivers with a speeding ticket

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.

Cheapest car insurance companies for drivers with 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.

Cheapest full-coverage car insurance for young drivers in Massachusetts

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:

  • Consider signing onto your parents' car insurance policy. Many companies have the option to add multiple drivers to your insurance plan. While this will increase the price of your parents' insurance, it will be much cheaper than purchasing your own separate policies.
  • Scout out discounts. Most insurers offer discounts catered towards students, new drivers and young people. When you stack some of these up, it adds up to large savings. You can usually check discount options on an insurer’s website.
  • Shop around. The insurer you receive coverage from is one of the biggest determinants of how expensive or cheap your rates will be. Don't just shop around large, well-known insurers; take a look at small and local ones as well.
  • Constantly re-evaluate your insurance needs. Did you place your car in storage? Has your credit score increased? Are there any events that have recently happened in your life that affect your driving behavior? If so, consider lowering your coverage or contacting your insurer to see if you could get updated rates to reflect that.

Average car insurance costs in Massachusetts by ZIP code

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.

Average monthly rates in Massachusetts cities
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.

Best car insurance companies in Massachusetts

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.

Auto insurance laws in Massachusetts

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

No-fault state

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.

What to know about driving in Massachusetts

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.

Methodology

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:

  • $100,000 bodily injury liability per person/$300,000 per accident
  • $100,000 property damage liability
  • $500 collision and comprehensive deductible
  • $20,000 uninsured motorist bodily injury liability per person/$40,000 per accident
  • $8,000 personal injury protection liability

QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.