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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