Updated: November 17, 2024
Advertising & Editorial Disclosure
Overall, State Farm is the cheapest minimum coverage car insurance provider in Massachusetts. It offers the most affordable policies for drivers with different profiles.
Consider checking the best car insurance in Massachusetts if you’re looking for a balance of cost and quality service.
CheapestCar InsuranceMassachusettsTable of Contents
Why Trust MoneyGeek? The Massachusetts car insurance rates, data and information we used in this study are from the Massachusetts Division of Insurance and Quadrant Information Services.
These rates reflect the cheapest car insurance quotes in Massachusetts as of October 2024.
On average, the cheapest car insurance companies for a minimum coverage policy in Massachusetts are:
Travelers is the most expensive company for minimum coverage, with an average premium of $831 per year. A minimum coverage policy only includes bodily injury liability, property damage liability, uninsured/underinsured motorist coverage and personal injury protection.
| State Farm | $221 | $18 |
| Safety Group | $288 | $24 |
| Vermont Mutual | $295 | $25 |
| Hanover | $301 | $25 |
| Plymouth Rock Assurance | $304 | $25 |
| American Family | $365 | $30 |
| Chubb | $480 | $40 |
| Amica Mutual | $517 | $43 |
| Arbella | $582 | $48 |
| GEICO | $587 | $49 |
| Allstate | $734 | $61 |
| Progressive | $814 | $68 |
| Travelers | $831 | $69 |
A minimum coverage policy only covers the damage you cause to others. Although it may be cheaper, it does not cover damage to your car in an accident. Comprehensive and collision insurance, also known as a full coverage policy, can cover damages to your car.
Find the Best Car Insurance in Massachusetts for You
The cost of your policy depends on your preferences and the amount of coverage you need. The table above contains quotes for a minimum coverage policy in Massachusetts.
Learn more about how much car insurance you need.
MoneyGeek ranked several car insurance companies based on customer satisfaction and affordability to find the best car insurance in Massachusetts.
MoneyGeek analyzed how the average cost of car insurance in Massachusetts changes depending on specific factors.
On average, the cheapest car insurance companies for a full coverage policy in Massachusetts are:
Travelers is the most expensive company for a full coverage policy, with an average premium of $1,990 per year.
Getting a full coverage policy from State Farm is around $262 more than purchasing its minimum coverage. Full coverage provides additional protection in the event of a claim, covering on and off-road accident-related damages and injuries.
| State Farm | $483 | $40 |
| Plymouth Rock Assurance | $775 | $65 |
| American Family | $801 | $67 |
| Safety Group | $902 | $75 |
| Vermont Mutual | $1,054 | $88 |
| Hanover | $1,107 | $92 |
| Amica Mutual | $1,217 | $101 |
| Arbella | $1,239 | $103 |
| GEICO | $1,258 | $105 |
| Progressive | $1,440 | $120 |
| Chubb | $1,470 | $122 |
| Allstate | $1,527 | $127 |
| Travelers | $1,990 | $166 |
The cost of your policy depends on your car insurance needs. MoneyGeek’s sample full coverage policy includes the following coverages:
Reducing the coverage limits, dropping comprehensive and collision insurance or increasing your deductible can help cut costs. However, less coverage could mean insufficient financial protection in case of a claim.
Insurance companies can provide quotes through their official websites. However, this process can take up to 15 minutes, and you might need to provide specific personal information. You also need to compare the quotes you get from individual companies to find the best rate for your needs, which means repeating this time-consuming process multiple times.
MoneyGeek's auto insurance calculator allows you to estimate your premiums without providing personal information. This estimate can help you start searching for the most affordable car insurance.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Nov 20, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
State Farm offers the cheapest option for teens, young adults and seniors.
Cheapest for teens: State Farm
Cheapest for young adults: State Farm
Cheapest for seniors: State Farm
On average, the cheapest car insurance companies in Massachusetts for teens on their parent’s policy are:
Travelers is the most expensive company for teens, offering policies at around $3,685 per year for both male and female teens on their parent’s policy.
Car insurance rates for teens significantly decrease as they age, with 19-year-olds getting the lowest quote from providers. State Farm offers the lowest rate ($652 per year) for 19-year-olds in Massachusetts. It’s cheaper to add a teen to their parent’s policy than getting them their own policy. Plus, a teen under 18 cannot legally get auto insurance without a parent or guardian as a co-signer. The average premium for full coverage for a teenage driver in Massachusetts on their own policy is $3,995 per year, while being on a parent's policy only costs around $2,308.
| State Farm | $1,016 | $1,569 |
| Progressive | $1,271 | $6,443 |
| GEICO | $2,706 | $2,780 |
| Allstate | $2,860 | $4,410 |
| Travelers | $3,685 | $4,772 |
On average, car insurance rates for male teens tend to be significantly more expensive than for female teens because of their higher accident frequency. But in Massachusetts, insurers cannot use gender as a factor when determining auto insurance rates, so male and female teens pay the same. — Mark Friedlander, Director, Corporate Communications, Insurance Information Institute
Discounts can reduce the cost of car insurance for teenagers. Allstate, Progressive, State Farm and Travelers offer good student and distant student discounts in Massachusetts, whereas GEICO offers a good student discount.
The cheapest car insurance companies in Massachusetts for young adult drivers looking for full coverage are, on average:
Travelers offers the most expensive full coverage policy for young adults, at an average of $2,204 per year.
Drivers in their 20s usually pay more for car insurance than those in their 40s. But this is not the case in Massachusetts: a 40-year-old pays an average of $177 less per year than a 25-year-old.
| State Farm | $483 | $40 |
| American Family | $932 | $78 |
| Plymouth Rock Assurance | $943 | $79 |
| Safety Group | $970 | $81 |
| Vermont Mutual | $1,201 | $100 |
| Arbella | $1,266 | $106 |
| Amica Mutual | $1,382 | $115 |
| GEICO | $1,396 | $116 |
| Hanover | $1,409 | $117 |
| Allstate | $1,670 | $139 |
| Progressive | $1,741 | $145 |
| Chubb | $1,970 | $164 |
| Travelers | $2,204 | $184 |
The cheapest car insurance companies in Massachusetts for senior drivers are, on average:
Travelers is the most expensive company for seniors, with an average premium of $1,604 per year.
Depending on the insurer, senior drivers may pay more or less for full coverage than middle-aged drivers. In Massachusetts, a 40-year-old driver's full coverage policy has an average cost of $1,174 per year, making a 65-year-old senior's premium for the same coverage roughly $197 cheaper. Car insurance rates can increase when drivers reach their 70s or 80s.
| State Farm | $369 | $31 |
| Safety Group | $564 | $47 |
| Plymouth Rock Assurance | $698 | $58 |
| Vermont Mutual | $739 | $62 |
| American Family | $817 | $68 |
| Hanover | $844 | $70 |
| GEICO | $866 | $72 |
| Arbella | $949 | $79 |
| Allstate | $1,132 | $94 |
| Amica Mutual | $1,260 | $105 |
| Progressive | $1,326 | $111 |
| Chubb | $1,530 | $127 |
| Travelers | $1,604 | $134 |
Senior drivers can save money thanks to discounts from certain insurers. Allstate and GEICO provide discounts to seniors. Your car insurance rates are influenced by various factors besides age. Comparing prices from different companies can help you find the lowest rates.
State Farm provides the cheapest car insurance in Massachusetts for drivers with tickets, at-fault accidents or DUIs on their records. It is also the most affordable provider for those with sports cars.
Cheapest after a ticket: State Farm ($552 per year)
Cheapest after an accident: State Farm ($732 per year)
Cheapest after a DUI: State Farm ($875 per year)
Cheapest for sports cars: State Farm ($519 per year)
On average, the cheapest car insurance companies in Massachusetts for drivers with speeding tickets are:
At around $2,619 per year, Travelers is the most expensive company after getting a ticket.
Drivers with tickets pay up to $315 more per year than drivers with clean records. A speeding ticket surcharge will also apply to their insurance premium bill for at least three years.
| State Farm | $552 | $46 |
| Safety Group | $1,072 | $89 |
| Plymouth Rock Assurance | $1,102 | $92 |
| American Family | $1,118 | $93 |
| Arbella | $1,346 | $112 |
| GEICO | $1,406 | $117 |
| Amica Mutual | $1,424 | $119 |
| Allstate | $1,506 | $125 |
| Vermont Mutual | $1,507 | $126 |
| Progressive | $1,826 | $152 |
| Hanover | $1,847 | $154 |
| Chubb | $2,036 | $170 |
| Travelers | $2,619 | $218 |
The cheapest car insurance companies in Massachusetts for drivers with an at-fault accident are, on average:
Travelers is the most expensive company for drivers with an at-fault accident on their record, costing an average of $3,083 per year.
On average, the cost of car insurance increases by $724 after an at-fault accident. A surcharge is also applied to the insurance premium bill for at least three years.
| State Farm | $732 | $61 |
| American Family | $1,118 | $93 |
| Plymouth Rock Assurance | $1,143 | $95 |
| Arbella | $1,602 | $134 |
| Safety Group | $1,628 | $136 |
| GEICO | $1,888 | $157 |
| Amica Mutual | $1,889 | $157 |
| Hanover | $2,009 | $167 |
| Vermont Mutual | $2,114 | $176 |
| Progressive | $2,165 | $180 |
| Allstate | $2,491 | $208 |
| Chubb | $2,814 | $235 |
| Travelers | $3,083 | $257 |
On average, the cheapest car insurance companies in Massachusetts for drivers with a DUI are:
Chubb is the most expensive company for drivers with a DUI on their record, offering policies at an average cost of $3,333 per year.
Drivers with DUIs on their records pay up to $965 more for car insurance than drivers with clean records. In Massachusetts, a DUI stays on a motor vehicle record for life.
| State Farm | $875 | $73 |
| Plymouth Rock Assurance | $1,196 | $100 |
| American Family | $1,373 | $114 |
| Hanover | $1,621 | $135 |
| Progressive | $1,689 | $141 |
| Safety Group | $2,010 | $167 |
| GEICO | $2,171 | $181 |
| Arbella | $2,284 | $190 |
| Amica Mutual | $2,413 | $201 |
| Vermont Mutual | $2,739 | $228 |
| Allstate | $3,046 | $254 |
| Travelers | $3,058 | $255 |
| Chubb | $3,333 | $278 |
On average, the cheapest car insurance companies for drivers in Massachusetts with a sports car are:
Travelers offers the most expensive car insurance for sports cars, with an average premium of $1,865 per year.
Sports car drivers tend to pay more for insurance since their cars are more expensive to repair or replace. In Massachusetts, Toyota Camry drivers pay around $194 less per year for coverage than sports car drivers.
| State Farm | $519 | $43 |
| American Family | $916 | $76 |
| GEICO | $1,400 | $117 |
| Allstate | $1,500 | $125 |
| Progressive | $1,687 | $141 |
| Chubb | $1,704 | $142 |
| Travelers | $1,866 | $155 |
MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model. It is generally more expensive to insure sports, electric and luxury cars; otherwise, model may not be a significant factor. However, this may not be true for all states.
State Farm offers the most affordable auto insurance rates in Massachusetts for active-duty military personnel and veterans. On average, its full coverage car insurance policy costs $483 a year.
Another option is USAA, which specializes in providing services for veterans and active duty military personnel and their families. The average premium for a USAA policy is $938 per year. The company is accessible in every state and provides quality customer service.
State Farm does not offer a military discount, but it is still the cheapest option in Massachusetts.
Several factors affect the cost of car insurance, and one of them is your location. Insurers can view certain cities and even ZIP codes as riskier than others based on theft, vandalism and accident rates.
The cheapest city in Massachusetts for a full coverage policy is Cambridge, at approximately $561 per year for a State Farm policy. Boston is the most expensive, at around $945 annually for a State Farm policy. You can find the best policy for your needs by comparing rates and exploring different insurers.
| Boston | State Farm | $945 |
| Cambridge | State Farm | $561 |
| Lowell | State Farm | $583 |
| Springfield | State Farm | $731 |
| Worcester | State Farm | $692 |
Most states, including Massachusetts, mandate that drivers have bodily injury liability (BIL) and property damage liability (PDL). On top of these, Massachusetts requires personal injury protection and uninsured motorist coverage.
Drivers need to meet the minimum car insurance requirements set by state laws. In Massachusetts, the law requires bodily injury liability, property damage liability, uninsured motorist coverage and personal injury protection.
Getting insurance with minimum coverage is cheaper, but it offers less financial protection in case of an accident. MoneyGeek recommends increasing your liability coverage as much as your budget allows.
Bodily Injury Liability
Your bodily injury liability policy will pay the costs of treating a person you injured in an accident where you were at fault. The minimum required limits for bodily injury liability in Massachusetts are $20,000 per person and $40,000 per accident.
Property Damage Liability
Your property damage liability will cover the cost of repairing the other party's property in an at-fault accident. It covers any damage to their car, home, building or other potentially damaged items. This coverage does not pay for the cost of repairing your car. Massachusetts requires drivers to have at least $5,000 in property damage liability coverage per accident.
Personal Injury Protection
In the event of an accident, personal injury protection pays the policyholder's medical costs. You don’t have to be at fault for this coverage to pay for your expenses. The minimum coverage required in Massachusetts is $8,000.
Uninsured Motorist Coverage
Uninsured motorist coverage kicks in if you get into an accident where an uninsured driver is at fault. In this case, your car insurance will cover the costs of treating your injuries and repairing your vehicle. The minimum required coverage in Massachusetts for this is $20,000 per person and $40,000 per accident.
MoneyGeek recommends getting a policy that includes $100,000 in bodily injury liability insurance per person, $300,000 in bodily injury liability insurance per accident and $100,000 in property damage insurance per accident.
Your lender or leasing company may require you to obtain comprehensive and collision insurance. Collision insurance will cover any harm done to your car in case of a crash. Comprehensive insurance will pay for any damage your car sustains as long as it does not involve a collision.
If you drive a valuable car, comprehensive and collision insurance could benefit you even if a lender does not require it.
The Massachusetts Automobile Insurance Plan (MAIP) and cash deposits can be your best options if you don’t want to get car insurance coverage in Massachusetts. These can serve as adequate compliance with insurance laws and solutions if you have difficulties purchasing a policy. The Massachusetts Automobile Insurance Plan also helps drivers get a car insurance policy after being rejected by an insurer.
Drivers can also make a $10,000 cash deposit or a liability bond if they don’t want to get a car insurance policy. This deposit will cover the costs of any claim, though it might not be enough. In case this bond is insufficient to cover damages, the driver may have to pay for the expenses personally.
It's better to get coverage from an insurance provider, as it reduces the financial risks on the part of the driver. Compliance with Massachusetts’ insurance laws helps protect you financially while also avoiding potential penalties.
Cost and quality are often the top concerns of drivers looking for car insurance. These are some common questions from drivers shopping for car insurance in Massachusetts.
State Farm is recognized for offering affordable car insurance in Massachusetts, especially for those looking for basic coverage. They also have competitive rates for full coverage, young drivers, military members, and those with traffic violations. The average annual cost for car insurance in Massachusetts is $1,166.
Choosing the cheapest car insurance depends on your coverage needs. Basic plans are often more economical but may not cover all incidents, leading to higher out-of-pocket costs. It's advisable to select the most comprehensive coverage you can afford for better financial protection. The best car insurance in Massachusetts isn't always the cheapest. Chubb is frequently regarded as the top provider in the state. Consider exploring various options before deciding.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
