Plymouth Rock offers Massachusetts drivers the lowest rates, with monthly premiums of $23 for minimum coverage and $83 for full coverage. Drivers save $20 monthly (28%) compared to state averages. Get quotes from Amica, GEICO, Safety and Norfolk & Dedham too.
Cheapest Car Insurance in Massachusetts
Updated: October 4, 2025
Advertising & Editorial Disclosure
Key Takeaways
Plymouth Rock Insurance, Amica and GEICO are the cheapest car insurance companies for most Massachusetts drivers, with average savings of up to 28%.
Car insurance costs can be as low as $14 for minimum coverage and $44 for full coverage policies on average in Massachusetts.
To get the cheapest car insurance in Massachusetts, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Massachusetts?
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MASSACHUSETTS
We've created additional guides below to help you in your search for the best and cheapest car insurance in Massachusetts:
Best Car Insurance Rates by Category in Massachusetts
Plymouth Rock offers the cheapest rates for five out of our 10 driver categories in Massachusetts, including young drivers, adult drivers and those with DUIs. Safety also stands out with the lowest rates in two categories. Find your specific rates in the table:
| Young Drivers | Plymouth Rock Insurance | $47 |
| Adult Drivers | Plymouth Rock Insurance | $22 |
| Senior Drivers | Norfolk & Dedham Insurance | $29 |
| Drivers With An Accident | Arbella | $53 |
| Drivers With A DUI | Plymouth Rock Insurance | $39 |
| Drivers With A Speeding Ticket | Geico | $42 |
| Drivers With Bad Credit | Safety Insurance | $42 |
| Drivers With Low Income | Safety Insurance | $31 |
| Drivers With Newer Cars | Plymouth Rock Insurance | $27 |
| Drivers With Old Cars | Plymouth Rock Insurance | $20 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Massachusetts for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Safety offers the lowest rates at $128 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock Insurance | $102 | $1,225 | -34% |
| Safety Insurance | $134 | $1,606 | -13% |
| Norfolk & Dedham Insurance | $130 | $1,556 | -16% |
| Arbella | $109 | $1,308 | -30% |
| Geico | $119 | $1,422 | -23% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Massachusetts by City
Plymouth Rock Insurance offers the most affordable minimum coverage rates in all 20 of Massachusetts's largest cities, delivering consistent value across the state's diverse metropolitan areas. This comprehensive market presence reflects Plymouth Rock's competitive positioning throughout Massachusetts as of October 2025.
Minimum coverage costs across Massachusetts's major cities range from $21 to $32 monthly through Plymouth Rock Insurance. Waltham residents enjoy the state's lowest rates at $21 monthly, while Brockton drivers pay the highest premiums at $32 monthly. Most cities maintain rates between $21 and $28 monthly, with suburban communities like Newton, Framingham, and Haverhill clustered at the lower end of the pricing spectrum.
| Boston | Plymouth Rock Insurance | $25 | -38% | $-32 |
| Brockton | Plymouth Rock Insurance | $32 | -47% | $-56 |
| Brookline | Plymouth Rock Insurance | $22 | -40% | $-30 |
| Cambridge | Plymouth Rock Insurance | $27 | -38% | $-31 |
| Fall River | Plymouth Rock Insurance | $25 | -45% | $-40 |
| Framingham | Plymouth Rock Insurance | $22 | -42% | $-32 |
| Haverhill | Plymouth Rock Insurance | $21 | -41% | $-30 |
| Lawrence | Plymouth Rock Insurance | $23 | -50% | $-47 |
| Lowell | Plymouth Rock Insurance | $28 | -44% | $-40 |
| Lynn | Plymouth Rock Insurance | $28 | -46% | $-49 |
| Malden | Plymouth Rock Insurance | $28 | -43% | $-43 |
| New Bedford | Plymouth Rock Insurance | $24 | -45% | $-40 |
| Newton | Plymouth Rock Insurance | $21 | -39% | $-28 |
| Plymouth | Plymouth Rock Insurance | $22 | -39% | $-27 |
| Quincy | Plymouth Rock Insurance | $25 | -41% | $-34 |
| Somerville | Plymouth Rock Insurance | $24 | -38% | $-30 |
| Springfield | Plymouth Rock Insurance | $29 | -47% | $-49 |
| Taunton | Plymouth Rock Insurance | $23 | -42% | $-34 |
| Waltham | Plymouth Rock Insurance | $21 | -41% | $-29 |
| Worcester | Plymouth Rock Insurance | $28 | -41% | $-37 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Massachusetts By Driver Age Group
We analyzed car insurance rates across Massachusetts for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
Here are the most affordable insurance providers by age group:
- Young Drivers: Plymouth Rock offers rates from $47 per month
- Adult Drivers: Plymouth Rock provides coverage from $22 per month
- Senior Drivers: Norfolk & Dedham starts at $29 per month
Cheapest Car Insurance For Young Drivers in Massachusetts
Young drivers in Massachusetts get their best rates from Plymouth Rock. Minimum coverage costs $47 per month, saving drivers 53% compared to other providers. Plymouth Rock also leads for full coverage at $124 monthly, saving young drivers 45%.urance with Plymouth Rock Insurance. The company offers minimum liability coverage at $22 monthly and full coverage at $67 per
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock Insurance | $189 | $2,271 | -47% | $-1,977 |
| Amica | $285 | $3,421 | -19% | $-828 |
| Arbella | $222 | $2,661 | -37% | $-1,587 |
| Safety Insurance | $344 | $4,124 | -3% | $-124 |
| Geico | $253 | $3,035 | -29% | $-1,213 |
Cheapest Car Insurance For Adult Drivers in Massachusetts
Plymouth Rock offers Massachusetts's lowest rates for adult drivers: $22 monthly for minimum coverage and $67 for full coverage.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock Insurance | $102 | $1,225 | -34% | $-632 |
| Safety Insurance | $134 | $1,606 | -13% | $-250 |
| Norfolk & Dedham Insurance | $130 | $1,556 | -16% | $-301 |
| Arbella | $109 | $1,308 | -30% | $-549 |
| Geico | $119 | $1,422 | -23% | $-434 |
Cheapest Car Insurance For Senior Drivers in Massachusetts
Norfolk & Dedham offers Massachusetts seniors the most affordable car insurance rates for both coverage types. Full coverage costs $756 annually, while minimum coverage runs $349 per year.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock Insurance | $129 | $1,543 | -20% | $-379 |
| Norfolk & Dedham Insurance | $99 | $1,186 | -38% | $-736 |
| Safety Insurance | $130 | $1,561 | -19% | $-361 |
| Arbella | $90 | $1,080 | -44% | $-842 |
| Geico | $114 | $1,373 | -29% | $-549 |
Cheapest Car Insurance For High-Risk Drivers in Massachusetts
We studied four core areas for profiles insurers consider particularly high-risk in Massachusetts including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Safety (From $42/mo)
- Cheapest With a DUI: Plymouth Rock (From $39/mo)
- Cheapest With an Accident: Arbella (From $53/mo)
- Cheapest With a Speeding Ticket: GEICO (From $42/mo)
- Cheapest With a Texting While Driving Violation: Safety Insurance (From $35/mo)
Cheapest Car Insurance For Bad Credit in Massachusetts
Safety offers Massachusetts drivers with bad credit the most affordable car insurance rates. Annual premiums start at $502 for minimum coverage and $1,137 for full coverage policies.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Safety Insurance | $143 | $1,717 | -55% | $-2,095 |
| Plymouth Rock Insurance | $257 | $3,086 | -19% | $-725 |
| Farmers | $330 | $3,960 | 4% | $149 |
| Travelers | $396 | $4,758 | 25% | $946 |
| Geico | $227 | $2,727 | -28% | $-1,084 |
Cheapest Car Insurance With a DUI in Massachusetts
Plymouth Rock ranks as the most affordable option for Massachusetts drivers with DUIs, offering annual rates of $456. GEICO provides the next best value with premiums of $777 per year.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock Insurance | $106 | $1,276 | -41% | $-893 |
| Progressive | $136 | $1,626 | -25% | $-543 |
| Amica | $174 | $2,089 | -4% | $-80 |
| Arbella | $153 | $1,836 | -15% | $-333 |
| Geico | $136 | $1,637 | -25% | $-532 |
Cheapest Car Insurance With an Accident in Massachusetts
Massachusetts drivers with an accident on their record can find the most affordable coverage through Plymouth Rock at $37 per month ($443 annually).
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Plymouth Rock Insurance | $102 | $1,225 | -0.34 | $-632 |
| Safety Insurance | $134 | $1,606 | -0.13 | $-250 |
| Norfolk & Dedham Insurance | $130 | $1,556 | -0.16 | $-301 |
| Arbella | $109 | $1,308 | -0.30 | $-549 |
| Geico | $119 | $1,422 | -0.23 | $-434 |
Cheapest Car Insurance With an Speeding Ticket
Massachusetts drivers with speeding tickets can find the lowest rates through Plymouth Rock. The provider offers minimum coverage at $403 per year, while full coverage costs $1,183 annually.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Gender:Male
Select
Credit Alignment:Good
| Plymouth Rock Insurance | $99 | $1,183 | -18% | $-266 |
| Norfolk & Dedham Insurance | $106 | $1,273 | -12% | $-175 |
| Amica | $101 | $1,218 | -16% | $-231 |
| Arbella | $95 | $1,144 | -21% | $-304 |
| Geico | $89 | $1,062 | -27% | $-387 |
Cheapest Car Insurance With a Texting While Driving Violation
For drivers ticketed for texting while driving in Massachusetts, Safety Insurance leads with rates of $35 per month ($426 annually), about 35% below the state average. Plymouth Rock Insurance also offers low premiums at $38 per month, an average of 35% savings.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Plymouth Rock Insurance | $35 | $426 | -35% | $-234 |
| Safety Insurance | $38 | $454 | -31% | $-206 |
| Geico | $41 | $496 | -25% | $-164 |
| Amica | $43 | $517 | -22% | $-143 |
| Arbella | $45 | $540 | -18% | $-120 |
How to Get the Cheapest Car Insurance in Massachusetts
Finding the most affordable insurance companies is just one part of getting the best rates in Massachusetts. Here are proven strategies to save the most on auto insurance.
- 1
Compare insurers despite strict regulation
Massachusetts regulates coverage and pricing, but drivers can still save by shopping. Rates vary between Boston, Worcester, and smaller towns.
- 2
Meet Massachusetts’ higher minimums
Drivers must carry 20/40/5 liability, 8/16 UM/UIM, and $8,000 PIP. These requirements exceed those of many states, which helps explain higher baseline premiums.
- 3
Know the Merit Rating System
Massachusetts tracks accidents and violations through its Merit Rating Board. Safe drivers earn credits, while violations raise rates. Avoiding tickets and crashes directly cuts premiums.
- 4
Use discounts available in Massachusetts
Common discounts include bundling, telematics, good student, and anti-theft device discounts (especially important in Boston). Completing driver education also lowers rates for younger drivers.
- 5
Consider location-specific coverage
Boston and Springfield drivers face higher theft and crash rates, making full coverage important. Rural drivers may save with liability-only on older vehicles.
- 6
Apply through MAIP if denied
The Massachusetts Automobile Insurance Plan (MAIP) provides access to required coverage if you cannot secure it in the open market.
Risks of Getting the Cheapest Car Insurance in Massachusetts
Massachusetts's minimum required coverage follows a 20/40/5 liability structure. This means drivers must carry $20,000 for bodily injury liability per person, $40,000 total injury coverage per accident and $5,000 for property damage liability. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Massachusetts, average property damage claims hit $4,732 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Massachusetts gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows significant winter storm damage in 2023. Basic coverage won't pay for storm damage. Add comprehensive coverage to protect against hail, flooding and falling trees.
Bodily injury damage is more likely to be higher than the minimum limits
Massachusetts's $20,000 minimum bodily injury coverage often isn't enough. Insurance Information Institute data shows average bodily injury claims reached $18,450 in 2023, dangerously close to the minimum limit. Rising healthcare costs mean you could face major out-of-pocket expenses. Consider increasing coverage to at least $50,000 per person for better protection.
Not having uninsured motorist coverage opens you up to unexpected costs
Massachusetts has a low uninsured driver rate, with 3.5% of drivers lacking insurance. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Massachusetts, according to National Insurance Crime Bureau statistics. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Massachusetts
Massachusetts law requires all drivers to carry auto insurance to operate a vehicle legally. The state follows a no-fault system, meaning your own insurer pays for medical expenses after an accident, regardless of fault. By law, every policy must include bodily injury liability, property damage liability, Personal Injury Protection (PIP), and uninsured motorist coverage. While these minimums keep you compliant, many drivers purchase higher limits for stronger protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $20,000 per person |
Bodily Injury Liability (Per Accident) | $40,000 per accident |
Bodily Injury Liability (When Accident Occurs Out of State) | $20,000 per person / $40,000 per accident |
Property Damage Liability | $5,000 per accident |
Personal Injury Protection (PIP) | $8,000 per person, per accident |
Uninsured Motorist Bodily Injury | $20,000 per person / $40,000 per accident |
Cheap Car Insurance in Massachusetts: Bottom Line
Plymouth Rock offers the lowest car insurance rates in Massachusetts for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Massachusetts: FAQ
Below, we answer common questions about Massachusetts car insurance to help you find affordable coverage that fits your needs.
What are the cheapest car insurance companies in Massachusetts?
Plymouth Rock Insurance leads Massachusetts with average rates of $274 per year for minimum coverage and $997 for full coverage. Amica, Norfolk & Dedham, Safety Insurance and GEICO also provide competitive rates.
Who has the cheapest car insurance rates for young drivers in Massachusetts?
Plymouth Rock provides the most budget-friendly rates for young drivers in Massachusetts, with monthly premiums starting at $47.
Who offers the cheapest car insurance rates for seniors in Massachusetts?
Senior drivers in Massachusetts can find the most competitive rates with Norfolk & Dedham, offering policies for those 65 and older at an average of $29 per month.
Who has the cheapest car insurance in Massachusetts for bad credit?
Safety provides the lowest rates for bad-credit drivers in Massachusetts, with monthly premiums averaging $42 for minimum coverage and $95 for full coverage.
Who has the cheapest car insurance in Massachusetts with an accident?
Arbella offers the most budget-friendly car insurance rates for Massachusetts drivers with an accident, starting at $53 per month for minimum coverage.
Who has the cheapest car insurance in Massachusetts with a DUI?
Plymouth Rock provides the cheapest car insurance after a DUI in Massachusetts. Monthly rates start at $39 for minimum coverage and $132 for full coverage.
Who has the cheapest car insurance in Massachusetts for those with a speeding ticket?
Massachusetts drivers with speeding tickets can find the lowest rates through GEICO, starting at $42 monthly for minimum coverage and $91 for full coverage.
Should you buy the cheapest car insurance in Massachusetts?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Plymouth Rock balances low prices with solid coverage options in Massachusetts.
How We Found the Most Affordable Car Insurance in Massachusetts
MoneyGeek collected auto insurance data from the Massachusetts Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Massachusetts.
Massachusetts Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Massachusetts
We compared car insurance companies in Massachusetts that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Massachusetts.
The minimum coverage liability limits in Massachusetts are:
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
- $5,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 8, 2025.
- Insurance Information Institute . "Facts + Statistics: Winter Storms ." Accessed October 8, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 8, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.