State Farm provides the cheapest minimum coverage for most low-income drivers with clean records in Massachusetts, including those with speeding tickets or accidents. Hanover is often more affordable for drivers with a DUI.
Cheapest Low-Income Car Insurance in Massachusetts
Updated: February 4, 2025
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Key Takeaways
While Massachusetts lacks a low-income car insurance program, affordable plans are available to meet state minimum coverage requirements.
For most low-income drivers in Massachusetts, the cheapest options are State Farm, Safety Group, Vermont Mutual and Hanover.
Low-income drivers can save on car insurance by comparing providers and taking advantage of discounts.
Cheapest Car Insurance Companies for Low-Income Drivers in Massachusetts
| State Farm | Young Drivers | $18 |
| State Farm | Adults | $18 |
| State Farm | Seniors | $14 |
| State Farm | Drivers With a Speeding Ticket | $22 |
| Hanover | Drivers With a DUI | $35 |
| State Farm | Drivers With an Accident | $31 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable provider for your driving profile and coverage needs.
Data filtered by:Results filtered by:
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Age Range:30-59
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Driving Record:Clean
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Credit Score:Good
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Coverage Level:State Minimum Liability Only
| State Farm | $18 | $221 |
| Vermont Mutual | $25 | $295 |
| Hanover | $25 | $301 |
| Safety Group | $27 | $318 |
| Plymouth Rock | $27 | $324 |
Cheapest Car Insurance for Families With Low Income in Massachusetts
State Farm offers the cheapest monthly insurance rates for low-income families in Massachusetts: $35 for married couples with a teen, $72 for single parents with a teen and $26 for those adding a spouse without a teen.
Data filtered by:Results filtered by:
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Family Type:Married Couple with Teen
| State Farm | $421 | $35 |
| Progressive | $647 | $54 |
| Allstate | $984 | $82 |
| GEICO | $1,068 | $89 |
| Travelers | $1,232 | $103 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some ways to lower your auto insurance premiums:
- 1
Choose minimum coverage
Selecting state-mandated minimum coverage is the most affordable way to fulfill legal requirements. It offers essential protection but may not cover all costs in case of an at-fault accident.
- 2
Compare quotes
Gather quotes from various providers to find the most affordable option. Explore provider websites, independent brokers, provider agents and online comparison tools for thorough comparisons.
- 3
Look for discounts
Insurance companies provide discounts for good students, safe drivers and military members or veterans. Check local discounts also, such as defensive driving courses, to potentially save on premiums.
- 4
Increase your deductible
Choosing a higher deductible for collision or comprehensive coverage lowers your premium. Make sure you can afford it if you need to file a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance suits low-mileage drivers, combining a base rate with a per-mile fee to save money by paying only for miles driven.
- 6
Bundle your policies
Bundling auto insurance with your home or renters policy can lead to significant savings.
- 7
Get a cheaper car
Your car's make, model and year impact insurance costs due to repair and replacement expenses. Opt for a cheaper car to insure to save hundreds annually on your premiums.
Minimum Car Insurance Requirements in Massachusetts
Massachusetts residents must meet these minimum car insurance requirements:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
If you're leasing or financing a vehicle, a liability coverage split of 100/300/100, along with comprehensive and collision protection, is required.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance covers only the other driver's expenses if you're at fault in an accident. You'll still be responsible for your car's damage and legal fees. If you drive often and can afford it, consider higher coverage.
Cheap Low-Income Car Insurance in Massachusetts: Bottom Line
State Farm provides the cheapest car insurance for most low-income drivers in Massachusetts, including those with speeding tickets or accidents. Hanover offers competitive rates for drivers with a DUI. Comparing multiple providers can help you secure the best deal.
Low-Income Auto Insurance in Massachusetts: FAQ
Finding affordable car insurance can be hard for low-income drivers. Get answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Massachusetts?
Minimum coverage is often the most affordable option for low-income drivers, provided they own their vehicle outright. State Farm offers Massachusetts' lowest auto insurance rates: $18 for minimum coverage and $40 for full coverage.
Does Massachusetts have a state-supported low-income car insurance program?
Massachusetts has no state-supported insurance program for low-income drivers.
Does your income affect the cost of car insurance in Massachusetts?
Income doesn't directly influence car insurance costs in Massachusetts. Factors such as driving record and vehicle type are more significant.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed Massachusetts car insurance rates using data from the Massachusetts Division of Insurance and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek examined 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Massachusetts.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Massachusetts:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status and driving history.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Massachusetts law, and offers affordable options for low-income drivers.
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.