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State Farm offers the cheapest car insurance in Massachusetts, according to QuoteWizard’s survey of the companies serving the Bay State.
Based on our research, drivers pay an average of $233 per year if they buy the minimum amount of car insurance Massachusetts requires from State Farm. And they pay an average of $361 per year for a full-coverage policy if they get it from the “good neighbor” provider.
Compare those rates to the state averages for car insurance coverage. Our data shows a typical driver in Massachusetts spends $535 annually on minimum coverage and $823 annually on full coverage.
State Farm isn’t the only company that provides affordable car insurance in Massachusetts. Amica, Citizens and Safety also offer low rates to the state’s drivers.
In this article, you’ll learn about:
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 $233 per year.
State Farm offered our sample driver the cheapest full-coverage auto insurance in Massachusetts, too. For that kind of policy, the average rate quote was $361 per year.
Citizens also offers cheap minimum car insurance to Massachusetts drivers, with an average annual premium of $296. The average annual premiums Amica and Safety provided as part of our statewide survey were almost as affordable — coming in at $385 and $410, respectively.
These four companies all offer the cheapest full-coverage car insurance in Massachusetts as well — with full coverage usually including liability, collision and comprehensive protection.
State Farm proved to be the cheapest of the bunch once again, offering an average rate of $361 per year for a full-coverage policy.
The rates Amica, Citizens and Safety offered were more than $200 higher than State Farm’s, but they were still about $200 less than the state average for this type of auto coverage.
Safety’s average annual rate for a full-coverage policy was $607, while Amica and Citizens were close behind, at $610 and $624, respectively.
Given the above, you definitely should get rate quotes from State Farm, Safety, Citizens and Amica when shopping for car insurance in Massachusetts. Don’t ignore the other providers listed here, though; get and 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.
State Farm, Safety and Citizens offer the best car insurance in Massachusetts, according to our data.
State Farm is our overall pick for best auto insurance in Massachusetts because it offers the cheapest rates for both state-minimum and full-coverage policies.
State Farm offered our sample driver an average rate of $233 per year for minimum car insurance coverage. That’s about $300 per year cheaper than the state average for this type of policy.
State Farm also offered an average rate of $361 per year for a full-coverage policy. That’s more than $450 per year cheaper than the state average for such coverage.
Safety Insurance is our runner-up pick for cheap full coverage in Massachusetts. It offered our sample driver an average rate of $607 per year. That’s more than $200 per year, or $18 per month, lower than the state average for a full-coverage policy.
That said, two other companies offered quotes for full coverage that were similarly affordable. The average annual rate Amica offered was $610, while Citizens offered an average annual rate of $624.
Citizens Insurance Company of America is our runner-up pick for cheap minimum coverage in Massachusetts. It offered our sample driver an average rate of $296 per year. That’s nearly $250 per year lower than the state average for minimum coverage.
Citizens is a good option if you’re looking for full-coverage car insurance, too. The company offered an average rate of $624 per year for a full-coverage policy. That’s about $200 per year lower than the state average for this kind of policy.
State Farm may offer the cheapest auto insurance in Massachusetts, but it’s far from the state’s most popular insurer.
According to data from S&P Global, State Farm writes only 0.4% of the state’s auto insurance policies. That puts it in 21st place among providers that serve Massachusetts.
What is Massachusetts’ most popular car insurance company? MAPFRE. It writes just over 22% of the state’s auto policies.
|Company||Massachusetts market share|
|Plymouth Rock Assurance||7%|
|Source: S&P Global|
Safety, our runner-up pick for cheap full coverage in Massachusetts, is fourth in terms of market share. It writes around 8% of the state’s car insurance policies.
Hanover, the parent company of Citizens, our runner-up pick for cheap minimum coverage, is 11th in terms of market share and writes 3% of Massachusetts’ auto policies.
Massachusetts law requires drivers to have at least 20/40/5 auto insurance coverage before they can register or drive a vehicle.
What does 20/40/5 mean when it comes to car insurance in Massachusetts? It means your policy must include a minimum of:
Massachusetts drivers also need to carry at least a minimum amount of uninsured motorist and personal injury protection (PIP) coverage. The state minimums in this area are:
If at least one auto insurance company has refused to sell you a policy, you can apply for coverage through the Massachusetts Automobile Insurance Plan (MAIP).
MAIP is not an insurance company. It is a state-approved program that assigns high-risk drivers to insurers when they’re unable to get auto coverage on their own.
Something to consider before you apply for MAIP assistance is that the rate you end up with may not be lower than what you might receive if you keep shopping around.
We evaluated more than 105,000 insurance quotes from the 25 most populated cities in Massachusetts and ranked cities by their rate of accidents, speeding tickets, DUI’s and citations.
A major accident increases Massachusetts' insurance rates by an average of 40%, or $1,210 a year on average. We also found a speeding ticket raises annual rates by an average of 24%, or $596 a year.
How much rates increase after an accident depends on where you live, however. For example, in Massachusetts’ worst driving city, Dorchester Center, drivers would pay an extra $1,651 after an accident. In Massachusetts’ best driving city, Boston, drivers pay an average of $1,065 more after an accident.
Accidents can stay on your insurance record for up to five years in Massachusetts, meaning in that period, an accident can cost drivers an extra $6,050. A speeding ticket stays on your record for six years, and will cost drivers an extra $3,576. Here’s how the best and worst driving cities in the state break down:
|Rank||City||No incidents||One accident||One speeding ticket|
|Rank||City||No incidents||One accident||One speeding ticket|
|Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.|
We conducted a comprehensive study of auto insurance rates in Massachusetts through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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