Cheapest Car Insurance In Massachusetts (2024)
The cheapest car insurance in Massachusetts comes from Safety at $43 per month on average.
Powered by 
Due to the increasing prices of car insurance, it is advisable for drivers in Massachusetts to compare different policy options in order to find the coverage that is least expensive. Our reviews team has researched the best car insurance companies nationwide. We carefully examined the reputation, how satisfied customers are, the range of coverage options, and the average amount of money customers pay for insurance from each provider.
In this review, we will discuss the most effective methods to save money on insurance and identify where you can find the least expensive car insurance in Massachusetts that suits your driving history.
Key Points
- Safety is the cheapest car insurance company in Massachusetts overall, with an average rate of $43 per month for minimum coverage and $152 per month for full coverage.
- Plymouth Rock and GEICO also offer affordable car insurance rates for many driver profiles.
- If you’re under 25 or have traffic violations on your record, you will notice car insurance rates that are higher than the average.
- You can save on car insurance by opting for minimum coverage, looking for discounts, increasing your deductible, and bundling your auto insurance with other policies.
Powered by 
Car insurance companies examine driver profiles differently, so the provider that is cheapest for one driver may not be the most affordable for you. For instance, here is a glimpse of the least expensive auto insurance companies and their rates for various types of drivers in Massachusetts.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum coverage | Safety | $43 | $511 |
| Full coverage | GEICO | $119 | $1,428 |
| 16-year-olds | Plymouth Rock | $148 | $1,773 |
| 45-year-olds | Plymouth Rock | $37 | $449 |
| High-risk drivers | Plymouth Rock | $64 | $771 |
| After a speeding ticket | Safety | $54 | $649 |
| After an accident | Plymouth Rock | $66 | $788 |
| After a DUI | Plymouth Rock | $67 | $804 |
*Unless stated otherwise, average costs are minimum-coverage rates for single male drivers between the ages of 25 and 35 with a clean driving history.
What Is The Cheapest Car Insurance Company In Massachusetts?
In general, we discovered that Safety provides the most affordable car insurance in Massachusetts for a majority of driver types. The following sections will cover the average monthly costs of both minimum- and full-coverage car insurance from the cheapest companies in Massachusetts.
These rates apply to drivers in Massachusetts who vary in age, location, and driving experience. The cheapest companies are organized by minimum coverage costs.
Cheapest Minimum Coverage In Massachusetts: Safety
Drivers looking for the most affordable coverage that just meets Massachusetts state minimum requirements may find it at Safety for about $43 per month or $511 per year on average.
| Cheapest Car Insurance in Massachusetts | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Safety | $43 | $511 |
| Plymouth Rock | $43 | $517 |
| GEICO | $50 | $600 |
| Hanover | $50 | $603 |
| Farmers | $56 | $673 |
| Arbella Mutual | $58 | $697 |
| Travelers | $73 | $871 |
| Progressive | $87 | $1,040 |
| Allstate | $92 | $1,100 |
Cheapest Full Coverage In Massachusetts: GEICO
GEICO offers the best coverage for the best price, if you want more comprehensive protection. The provider offers full-coverage insurance for an average of $119 per month.
Full-coverage insurance policies in Massachusetts generally include liability insurance, uninsured/underinsured motorist coverage, collision coverage, and comprehensive insurance.
| Cheapest Car Insurance in Massachusetts | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| GEICO | $119 | $1,428 |
| Plymouth Rock | $144 | $1,723 |
| Safety | $152 | $1,823 |
| Progressive | $191 | $2,289 |
| Arbella Mutual | $198 | $2,375 |
| Farmers | $227 | $2,724 |
| Travelers | $228 | $2,739 |
| Allstate | $250 | $3,004 |
| Hanover | $279 | $3,350 |
Cheapest Car Insurance In Massachusetts: Age
Below, you’ll find average insurance costs for Massachusetts drivers ages 16 to 55 as well as the top five budget-friendly car insurance companies for each age group. The best auto insurance rates are often given to drivers who are between 30 and 55 years old because they have more experience driving. They are also less likely to get into car accidents compared to younger drivers, according to statistics.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $228 | $827 |
| 25 | $64 | $212 |
| 35 | $58 | $185 |
| 45 | $57 | $178 |
| 55 | $55 | $169 |
Cheapest Massachusetts Car Insurance: Young Drivers
As mentioned, new drivers and early 20s typically pay the most expensive car insurance rates. That’s mostly because these drivers don’t have as much experience driving and are more likely to break traffic rules and get into car crashes.
In fact, the fatal crash rate per mile driven for teen drivers was nearly three times the rate for drivers 20 years old and older in 2021, according to the Insurance Institute for Highway Safety.
Cheapest Massachusetts Car Insurance For 16-Year-Olds: Plymouth Rock
If you’re a teen driver or the parent of one, Plymouth Rock may be your best bet for finding the most affordable car insurance in Massachusetts.
The company’s cheapest average rates for 16-year-old drivers are $148 per month or $1,773 per year, which is relatively affordable compared to other states. If you’re looking for full coverage, the average is $372 per month or $4,467 per year from GEICO.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $148 | $452 |
| Travelers | $167 | $493 |
| GEICO | $167 | $372 |
| Arbella Mutual | $202 | $651 |
| Safety | $204 | $962 |
| Farmers | $221 | $1,342 |
| Hanover | $251 | $1,375 |
| Progressive | $313 | $776 |
| Allstate | $384 | $1,024 |
Cheapest Massachusetts Car Insurance For 25-Year-Olds: Safety
Compared to how much teenagers pay, car insurance rates for people in their 20s drop a lot. But the rates can still be expensive depending on which company you pick.
Safety provides the cheapest car insurance costs on average at $46 per month or $549 per year for minimum coverage. GEICO costs $124 per month or $1,487 per year for full coverage.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Safety | $46 | $162 |
| Plymouth Rock | $47 | $155 |
| GEICO | $52 | $124 |
| Hanover | $56 | $314 |
| Arbella Mutual | $59 | $200 |
| Farmers | $60 | $242 |
| Travelers | $74 | $239 |
| Progressive | $91 | $208 |
| Allstate | $96 | $265 |
Cheapest Massachusetts Car Insurance: Adult Drivers
People who are in their 40s generally pay the least amount of money for car insurance. You can compare average auto insurance premiums of drivers in their 30s, 40s, and 50s from the top five cheapest companies for each age group below.
Cheapest Massachusetts Car Insurance For 35-Year-Olds: Safety
Drivers in their mid-30s may insure their cars at the cheapest cost by getting a minimum coverage car insurance policy from Safety. The company offers average minimum-coverage costs of $39 per month or $472 per year. For full coverage, GEICO’s rates average $114 monthly or $1,370 annually.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Safety | $39 | $142 |
| Plymouth Rock | $40 | $132 |
| Hanover | $45 | $245 |
| GEICO | $48 | $114 |
| Farmers | $52 | $212 |
| Arbella Mutual | $57 | $196 |
| Travelers | $71 | $217 |
| Progressive | $83 | $174 |
| Allstate | $87 | $236 |
Cheapest Massachusetts Car Insurance For 45-Year-Olds: Plymouth Rock
Forty-five-year-old drivers may find the most affordable minimum coverage from Plymouth Rock, with average rates of $37 per month or $449 per year. The cheapest full coverage comes from GEICO at $107 per month or $1,284 per year.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $37 | $121 |
| Safety | $39 | $141 |
| Hanover | $42 | $222 |
| GEICO | $46 | $107 |
| Farmers | $51 | $208 |
| Arbella Mutual | $57 | $196 |
| Travelers | $69 | $204 |
| Progressive | $83 | $166 |
| Allstate | $87 | $236 |
Cheapest Massachusetts Car Insurance For 55-Year-Olds: Plymouth Rock
People who are in their 50s can usually get the most affordable car insurance rates in Massachusetts if they choose Plymouth Rock. The insurer’s average premiums are $36 monthly or $430 annually for minimum coverage. The cheapest full coverage option is from GEICO, costing $107 monthly or $1,284 annually
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $36 | $110 |
| Safety | $36 | $131 |
| Hanover | $39 | $215 |
| GEICO | $43 | $97 |
| Farmers | $49 | $203 |
| Arbella Mutual | $57 | $196 |
| Travelers | $63 | $184 |
| Progressive | $81 | $154 |
| Allstate | $87 | $236 |
Cheapest Car Insurance In Massachusetts: High-Risk Drivers
Besides the kind of coverage and your age, how safely you drive greatly influences how much you will have to pay for car insurance. Auto insurers typically determine if you’re a high-risk driver by looking at how many infractions are on your driving record, including speeding citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who are considered high-risk have to pay car insurance rates that are higher than the average rates. This is because they have multiple violations on their records. On average, Massachusetts motorists who are deemed high-risk may find the most affordable rates from Plymouth Rock for minimum coverage or GEICO for full coverage.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $64 | $215 |
| GEICO | $70 | $166 |
| Arbella Mutual | $74 | $254 |
| Hanover | $80 | $446 |
| Safety | $91 | $273 |
| Farmers | $100 | $408 |
| Progressive | $103 | $249 |
| Travelers | $109 | $337 |
| Allstate | $148 | $397 |
Cheapest Massachusetts Car Insurance For Drivers With A Speeding Ticket: Safety
Drivers with a speeding citation on their record can generally find the most affordable coverage from Safety, with average rates of $54 per month or $649 per year for minimum coverage and $191 per month or $2,288 per year for full coverage.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Safety | $54 | $191 |
| GEICO | $55 | $131 |
| Arbella Mutual | $58 | $198 |
| Plymouth Rock | $60 | $209 |
| Farmers | $73 | $287 |
| Hanover | $83 | $445 |
| Allstate | $92 | $250 |
| Travelers | $96 | $302 |
| Progressive | $104 | $248 |
Cheapest Massachusetts Car Insurance For Drivers With An At-Fault Accident: Plymouth Rock
Getting into a car accident in Massachusetts can lead to higher car insurance costs as well. Plymouth Rock tends to offer the most affordable rates on average at about $66 per month or $788 per year for minimum coverage and $213 per month or $213 per year for full coverage.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $66 | $213 |
| Arbella Mutual | $67 | $225 |
| GEICO | $72 | $172 |
| Safety | $83 | $282 |
| Hanover | $89 | $483 |
| Farmers | $98 | $448 |
| Progressive | $112 | $273 |
| Travelers | $118 | $363 |
| Allstate | $159 | $416 |
Cheapest Massachusetts Car Insurance For Drivers With A DUI: Plymouth Rock
If you’re a motorist with a DUI on record, you may find the cheapest minimum car insurance in Massachusetts from Plymouth Rock for $67 per month or $804 per year on average. They also have rates of $221 monthly or $2,656 annually for full coverage.
| Cheapest Car Insurance in Massachusetts | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Plymouth Rock | $67 | $221 |
| Hanover | $68 | $409 |
| GEICO | $82 | $196 |
| Progressive | $95 | $228 |
| Arbella Mutual | $98 | $337 |
| Travelers | $115 | $346 |
| Farmers | $130 | $490 |
| Safety | $136 | $346 |
| Allstate | $192 | $524 |
Average Cost Of Car Insurance In 10 Massachusetts Cities
Where you reside in Massachusetts also contributes to the amount you spend on car insurance. Auto insurance companies consider drivers riskier to cover in areas with:
- Larger groups of people
- There are a higher number of automobiles on the street.
- More car accidents happening more often.
- More traffic violations occur at a greater frequency.
- More incidents of car theft and slashed tires
- Extreme weather conditions
Certain factors increase the chances of car owners facing risks, especially in bigger cities. That’s why drivers in these bustling areas have to pay the highest average amount for car insurance with minimum coverage. On the other hand, drivers in countryside areas with lower crime rates and smaller populations are more likely to enjoy lower insurance rates.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Worcester | $73 | $235 |
| Brockton | $106 | $304 |
| Cambridge | $63 | $196 |
| Framingham | $63 | $197 |
| Lowell | $70 | $201 |
| Malden | $82 | $266 |
| Fall River | $75 | $230 |
| Medford | $67 | $222 |
| Quincy | $69 | $223 |
| Plymouth | $58 | $188 |
Top 5 Car Insurance Companies In Massachusetts
Besides looking at the price, we’ve examined more than 40 insurance companies to determine the best five insurers for people living in Massachusetts. We considered their coverage, service, and dependability. Based on our research, we found Safety to be the best provider for most drivers in Massachusetts. These are the ratings for our top recommendations overall.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #2 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #3 Progressive | 4.5 | 4.0 | 4.8 | 4.8 | 4.1 |
| #4 Allstate | 4.4 | 3.8 | 4.6 | 4.8 | 4.2 |
| #5 Farmers | 4.3 | 3.5 | 4.5 | 4.3 | 4.3 |
*The overall and category ratings above are based on nationwide factors.
How To Get The Cheapest Car Insurance In Massachusetts
In Massachusetts, you have multiple options for reducing your car insurance expenses. These include:
- Opting for minimum coverage: Choosing to purchase only the minimum coverage mandated by your state will result in the most budget-friendly car insurance available.
- Seeking out discounts: Most insurance companies have multiple discounts that can help cut down on premium costs, from military and good student discounts to discounts for drivers that remain accident free for five years.
- Raising your deductible: A higher deductible will lower your premium costs, but you’ll have to pay more out of pocket if you file a claim.
- Bundling your auto insurance: You can often bundle your auto insurance with a homeowners insurance policy or other type of coverage to earn a discount.
- Comparing quotes: Getting quotes from several different companies can assist you in determining which provider will give you the most favorable offer.
Many insurance companies offer usage-based insurance programs to help customers save money. These programs use telematics to monitor your driving habits–from your speed and braking to the time of day you drive. If you drive safely, you might receive a significant discount, but certain programs may increase your rates if you display dangerous driving habits.
Some companies also offer diminishing deductibles and accident forgiveness. A diminishing deductible option decreases your deductible amount each time you renew your policy. Accident forgiveness ensures that your rates won’t increase after your first accident with the company.
What Does Massachusetts Require For Car Insurance?
Drivers in Massachusetts must meet minimum insurance requirements as outlined by state law, which include basic liability insurance and uninsured/underinsured motorist (UM/UIM) coverage:
- $40,000 bodily injury liability per accident
- $20,000 bodily injury liability per person
- $5,000 property damage liability per accident
- $8,000 personal injury protection
- $40,000 underinsured/uninsured motorist bodily injury coverage per accident
- $20,000 underinsured/uninsured motorist bodily injury coverage per person
Liability coverage only takes care of other parties’ injuries and property damages in an accident that you cause. UM/UIM covers your injuries and property damages, but only in the case that the at-fault driver has little to no auto insurance.
Getting comprehensive insurance will ensure that your car is covered if stolen, vandalized, or damaged by floods, fire, animals, or other natural disasters. Collision insurance covers your car repairs after an accident.
Our Take: Best Cheap Car Insurance In Massachusetts
When it comes to both minimum and full coverage, Safety is the best and cheapest auto insurance company for most drivers in Massachusetts. While the above costs can give you an idea of what you’d pay for car insurance in Massachusetts, seeking an individualized rate will help give you a more accurate picture of what you’ll pay.
Many companies offer convenient and free quote tools online. Alternatively, you can reach out to an insurance agent or representative from the company by phone. Once you collect quotes from at least three different providers, compare them to find the best option for you.
Powered by
Best Cheap Car Insurance In Massachusetts: FAQ
Here are some frequently asked questions about car insurance in Massachusetts:
How much is car insurance per month in Massachusetts?
Is Massachusetts Car Insurance Cheaper?
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.