State Farm offers the most affordable car insurance in Massachusetts, with an average monthly rate of just $18 and an average annual cost of $221, which is $265 lower than the state's average. These figures are sourced from Quadrant Information Services and represent the most budget-friendly options as of December 2024. Read our research methodology to learn about how we found the cheapest Massachusetts car insurance.
Cheapest Car Insurance in Massachusetts
Updated: December 26, 2024
Advertising & Editorial Disclosure
Key Takeaways
As of December 2025, the cheapest car insurance providers for drivers in the Bay State are State Farm, Plymouth Rock Assurance, American Family, Safety Group and Vermont Mutual.
State Farm offers the lowest average car insurance rates at $18 per month for minimum coverage and $40 per month for full coverage.
On average, drivers in the Bay State pay $40 for minimum coverage and $98 for full coverage each month.
What Is the Cheapest Car Insurance in Massachusetts?
Cheapest Car Insurance Companies in Massachusetts
State Farm is the cheapest car insurance company for most drivers, with an average monthly cost of $29 across both state minimum and full coverage policies. This rate is $11 less than the average in the Bay State. Plymouth Rock Assurance, American Family, Safety Group and Vermont Mutual also offer affordable rates.
| State Farm | $29 | $40 |
| Plymouth Rock Assurance | $45 | $24 |
| American Family | $49 | $21 |
| Safety Group | $50 | $20 |
| Vermont Mutual | $56 | $13 |
| Hanover | $59 | $10 |
*We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.
Best Car Insurance Rates in Massachusetts
State Farm is the cheapest car insurance provider for most drivers in the Bay State, offering both minimum and full coverage policies. Your personal background will determine your rate, but the table below shows average affordable car insurance rates for various driving profiles.
| Minimum Coverage | State Farm | $18 |
| Full Coverage | State Farm | $40 |
| Drivers With a DUI | Hanover | $35 |
| Drivers With an Accident | State Farm | $31 |
| Drivers With a Speeding Ticket | State Farm | $22 |
Read More: Cheapest Car Insurance
Cheapest Minimum Coverage Car Insurance in Massachusetts
Along with the cheapest rate offered by State Farm, Hanover, Vermont Mutual, and Plymouth Rock Assurance also offer cheap minimum liability coverage for drivers in the Bay State. Use the table below to explore rates for similar companies with the best minimum coverage rates in Massachusetts, as well as how they compare to the monthly state average.
| State Farm | $18 | $22 |
| Safety Group | $24 | $17 |
| Vermont Mutual | $25 | $16 |
| Hanover | $25 | $15 |
| Plymouth Rock Assurance | $25 | $15 |
| American Family | $30 | $10 |
| Chubb | $40 | $0 |
Cheapest Full Coverage Car Insurance in Massachusetts
State Farm is the cheapest provider for full coverage auto insurance in the Bay State, with rates averaging $40 per month or $483 per year. This is $58 less than the state's average cost. Check the table below for more provider options.
| State Farm | $40 | $58 |
| Plymouth Rock Assurance | $65 | $33 |
| American Family | $67 | $31 |
| Safety Group | $75 | $23 |
| Vermont Mutual | $88 | $10 |
| Hanover | $92 | $6 |
Cheapest Car Insurance in Massachusetts for Young Drivers
In Massachusetts, State Farm offers the most affordable auto insurance for young adult drivers. A 25-year-old can expect to pay about $18 monthly for minimum coverage with State Farm.
| State Farm | $18 | $27 |
| Safety Group | $26 | $19 |
| Vermont Mutual | $28 | $17 |
| Plymouth Rock Assurance | $30 | $15 |
| Hanover | $32 | $13 |
| American Family | $35 | $10 |
*We used minimum coverage for a 25-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Young Drivers in Massachusetts
State Farm is a top choice for affordable auto insurance in Massachusetts, offering the lowest rates for young drivers. Rates start as low as $18 per month for minimum coverage. While your premium may vary based on your driving record and other factors, these rates are a great starting point for finding cheap insurance as a young driver.
| State Farm | Minimum Coverage | $18 |
| State Farm | Full Coverage | $40 |
| State Farm | Drivers With a DUI | $37 |
| State Farm | Drivers With an Accident | $31 |
| State Farm | Drivers With a Speeding Ticket | $22 |
Read More: Cheapest Car Insurance for Young Drivers
Cheapest Car Insurance in Massachusetts for Seniors
Senior drivers in Massachusetts can find affordable rates with State Farm. The average policy costs $14 monthly for 65-year-olds seeking minimum coverage.
| State Farm | $14 | $20 |
| Safety Group | $15 | $18 |
| Vermont Mutual | $17 | $16 |
| Hanover | $19 | $14 |
| Plymouth Rock Assurance | $23 | $10 |
| American Family | $31 | $3 |
*We used minimum coverage for a 65-year old driver with good credit and no driving violations to determine the cheapest provider.
Cheapest Car Insurance Rates for Seniors in Massachusetts
State Farm offers the most affordable rates for senior drivers in the Bay State, with minimum coverage at $14 per month and full coverage at $31 per month. Hanover is a good choice for those with a DUI, offering rates of $27 monthly. Remember, quotes can vary, but these rates are a good starting point for your insurance shopping.
| State Farm | Minimum Coverage | $14 |
| State Farm | Full Coverage | $31 |
| Hanover | Drivers With a DUI | $27 |
| State Farm | Drivers With an Accident | $23 |
| State Farm | Drivers With a Speeding Ticket | $17 |
Read More: Cheapest Car Insurance for Seniors
Cheap Auto Insurance for High-Risk Drivers in Massachusetts
Drivers in the Bay State with a DUI, at-fault accident or speeding ticket on their record are considered high-risk to insurers and pay more for car insurance compared to those with clean records. Premiums for high-risk drivers vary based on the offense. Below are the best average rates for those with a DUI, accident or ticket.
Cheapest Car Insurance in Massachusetts With a DUI
Hanover offers the best rates for Massachusetts drivers with DUIs, averaging $35 per month ($416 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DUIs in Massachusetts.
| Hanover | $35 | $39 |
| State Farm | $37 | $36 |
| Plymouth Rock Assurance | $41 | $33 |
| American Family | $50 | $24 |
| Safety Group | $55 | $18 |
| Vermont Mutual | $57 | $17 |
| Progressive | $71 | $3 |
*We used a 40-year-old driver with good credit and a DUI on record to calculate these averages.
Cheapest Car Insurance in Massachusetts With an Accident
With rates averaging $31 per month ($372 per year), State Farm is the cheapest company for drivers after an at-fault accident. The table below lists other insurers offering affordable coverage for drivers with accidents. Rates reflect a minimum coverage policy.
| State Farm | $31 | $34 |
| Plymouth Rock Assurance | $39 | $26 |
| American Family | $41 | $24 |
| Safety Group | $46 | $20 |
| Hanover | $47 | $19 |
| Vermont Mutual | $47 | $19 |
*We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.
Cheapest Car Insurance in Massachusetts With a Speeding Ticket
State Farm offers the cheapest insurance for Massachusetts drivers with a speeding ticket, averaging $22 per month. To explore more options, check the table below for providers offering minimum coverage for drivers with a speeding ticket.
| State Farm | $22 | $28 |
| Safety Group | $29 | $21 |
| Vermont Mutual | $33 | $17 |
| Plymouth Rock Assurance | $36 | $14 |
| American Family | $41 | $9 |
| Hanover | $43 | $7 |
*We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.
Cheapest Car Insurance in Massachusetts by City
Your car insurance rates are greatly influenced by where you live. Even in the same state, cities can have different rates because of the number of people living there, flood risks and crime.
For instance, State Farm offers a monthly rate of $37 in Boston, while its average rate is just $22 in Cambridge for the same state minimum coverage. Explore the table below to find your city, the most affordable company and its lowest average monthly premium.
| Boston | Plymouth Rock Assurance | $37 |
| Cambridge | State Farm | $22 |
| Lowell | State Farm | $24 |
| Springfield | State Farm | $31 |
| Worcester | State Farm | $28 |
*The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.
Cheapest Home and Auto Insurance in Massachusetts
For affordable bundle home and auto insurance, State Farm leads in Massachusetts with an average rate of $1,562. See the table below for more cost-effective companies.
| State Farm | $1,562 |
| MetLife | $1,908 |
| Metropolitan | $1,908 |
| Allstate | $3,732 |
| Travelers | $4,077 |
*Rates are for a 40 year old driver with good credit and no driving violations
How Much Does Car Insurance Cost in Massachusetts?
In Massachusetts, the monthly average cost for full coverage car insurance is $98, while minimum coverage is $40. By understanding the average cost of car insurance in Massachusetts, you can better determine if your rate is competitive, ensuring you get a fair deal.
Massachusetts Car Insurance Cost by City
In Massachusetts, auto insurance rates change by city. See the table for average costs in your area.
| Boston | $73 | $178 |
| Cambridge | $44 | $103 |
| Lowell | $50 | $112 |
| Springfield | $64 | $138 |
| Worcester | $50 | $120 |
Is Car Insurance in Massachusetts Expensive?
Car insurance in Massachusetts ranks 34th in cost compared to other states, making it more affordable than many. The lower cost can be attributed to factors such as the state's moderate population density, less frequent natural disasters and a vehicle theft rate that's below the national average.
Massachusetts Car Insurance Minimum Requirements
In Massachusetts, all drivers must carry car insurance policies that comply with the minimum coverage limits mandated by Massachusetts law. These limits include $20,000 for bodily injury per person, $40,000 for bodily injury per accident and $5,000 for property damage. Additionally, coverage for uninsured/underinsured motorists is required at $20,000 per person and $40,000 per accident, as well as personal injury protection (PIP) at $8,000 per accident.
If you finance or lease your car, you'll typically need to purchase comprehensive and collision insurance beyond the state minimum liability coverages. While a minimum liability auto insurance policy is the most affordable option, it provides the least financial protection. Therefore, experts suggest opting for full coverage insurance with the highest deductible and liability limits you can afford to ensure greater peace of mind on the road.
Bodily Injury Liability
Bodily injury liability covers expenses related to injuries caused to others in an accident. Minimum limits are $20,000 per person and $40,000 per accident. This coverage helps pay for medical bills and legal fees if you're at fault.
Property Damage Liability
Property damage liability covers the cost of damages to another person's property. The minimum limit is $5,000 per accident. It helps pay for repairs to vehicles or other property you damage in an accident.
Uninsured/Underinsured
Uninsured/underinsured coverage protects you if you're hit by a driver without insurance or not enough insurance. Minimum limits are $20,000 per person and $40,000 per accident. It helps cover medical expenses and damages.
Personal Injury Protection
Personal injury protection (PIP) covers medical expenses for you and your passengers, regardless of fault. The minimum limit is $8,000 per accident. It helps with medical bills, lost wages and other related costs.
Alternative Ways to Satisfy Massachusetts Car Insurance Requirements
The Massachusetts Assigned Risk Plan is a common alternative for car insurance. It assigns drivers who can't get insurance to a company, ensuring they meet the state's minimum coverage requirements.
Business owners can consider commercial auto insurance for their vehicles. These policies are similar to personal ones but cater to business needs, helping ensure compliance with state laws.
How Much Car Insurance Should I Get in Massachusetts?
MoneyGeek recommends that drivers opt for full coverage car insurance, which safeguards you with liability, collision, and comprehensive coverage. For liability coverage, we suggest the following limits:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage per accident
Comprehensive coverage ensures you're protected against off-road damage to your car, such as theft, vandalism or natural disasters. Collision coverage, on the other hand, covers damages from on-road accidents.
If your car holds significant value, MoneyGeek advises getting both comprehensive and collision insurance, even though it's not a legal requirement. It's smart to pick a deductible for these coverages that matches what you can comfortably pay before insurance covers the remaining costs.
Cheap Car Insurance in Massachusetts: Bottom Line
State Farm offers Massachusetts drivers the cheapest full coverage at $40 per month and minimum coverage at $18 per month. Keep in mind that cheap car insurance is not always the best choice. Experts recommend buying as much coverage as you can afford to stay financially protected on the road.
Cheap Car Insurance in Massachusetts: FAQ
MoneyGeek answers your questions about the cheapest car insurance in Massachusetts to help you find affordable options and ensure you get the right coverage for your needs.
What are the cheapest car insurance companies in Massachusetts?
State Farm offers the most affordable minimum coverage auto insurance in Massachusetts at $18 per month. For drivers seeking full coverage, State Farm also presents the cheapest option with rates starting at $40 per month.
Who has the cheapest car insurance rates for young drivers in Massachusetts?
State Farm offers the most affordable car insurance rates for young drivers in Massachusetts, with an average monthly cost of $29 for state minimum coverage. This rate is significantly lower than the state average, making it an attractive option for budget-conscious young motorists seeking essential protection on the road.
Who offers the cheapest car insurance rates for seniors in Massachusetts?
State Farm offers the most affordable car insurance rates for seniors in Massachusetts, with an average monthly rate of $22. Its rates are notably lower than the state's average, providing seniors with a budget-friendly option for their auto insurance needs.
Should you buy the cheapest car insurance available in Massachusetts?
While the most affordable car insurance might seem like the best choice, it's crucial to have adequate financial protection against significant losses. State Farm offers a mix of affordability and quality service and is often considered the best car insurance in Massachusetts. It provides excellent options for both full and minimum coverage at competitive rates starting at $18 monthly for minimum coverage.
How much does car insurance in Massachusetts cost, on average?
The average monthly premium for full coverage car insurance in Massachusetts is $98, while the cost for state minimum coverage is $40 per month. When selecting a policy, don't simply opt for the lowest price, but rather secure a level of coverage that offers adequate financial protection against potential major losses. Ensure that the plan you choose strikes the right balance between economy and comprehensive protection to avoid unexpected financial burdens.
What are car insurance requirements in Massachusetts?
Massachusetts requires drivers to carry minimum coverage auto insurance, which includes $20,000 per person and $40,000 per accident for bodily injury (BI) liability, $5,000 for property damage liability, and uninsured/underinsured motorist coverage equal to BI limits of $20,000 per person and $40,000 per accident. Personal injury protection (PIP) is also required at $8,000 per accident. While opting for the least expensive coverage may seem attractive, it's crucial to have adequate protection to safeguard against significant financial losses in the event of an accident. Selecting a policy should be about finding the right balance between affordability and comprehensive protection.
Affordable Car Insurance in Massachusetts: How We Found the Best Cheap Rates
MoneyGeek obtained Massachusetts auto insurance rates from the Massachusetts Department of Insurance and Quadrant Information Services. We examined 22,050 auto insurance quotes from 14 providers across 81 ZIP codes to determine the most affordable car insurance companies in Massachusetts.
Massachusetts Driver Profile
We used a driver profile with the following background information to identify the cheapest auto insurance companies in Massachusetts:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.
Standard Coverage Levels in Massachusetts
We compared car insurance companies in Massachusetts that offer both minimum and full coverage policies. The minimum coverage liability limits in Massachusetts are:
- $20,000 for bodily injury liability per person.
- $40,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- Personal injury protection (PIP) per accident $8,000
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
Home and Auto Coverage Levels in Massachusetts
MoneyGeek analyzed the rates of insurance companies for a full-coverage auto insurance policy that includes the following coverage and limits:
- $100,000 in property damage liability
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- Comprehensive and collision coverage with a $1,000 deductible
We also analyzed rates for a homeowners insurance policy that includes the following limits and coverage:
- $250,000 dwelling coverage
- $25,000 other structures coverage
- $100,000 personal property coverage
- $25,000 loss of use coverage
- $100,000 personal liability coverage
- $1,000 medical payments coverage
- All-perils coverage with a $1,000 deductible
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.