The cheapest car insurance in Massachusetts costs $57 per month for a full coverage policy from State Farm. That’s a $87 savings from the average cost of insurance in the state, which is $144 a month.

“Drivers looking to get the cheapest insurance premiums in Massachusetts should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.

To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Massachusetts including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.

Key Highlights
  • Among the companies analyzed by CarInsurance.com, State Farm stands out as the cheapest option for full coverage car insurance in Massachusetts, with an insurance premium of $57 per month.
  • Drivers in Massachusetts with a clean record pay 44% less for premiums compared to those with a DUI.
  • The city with the lowest car insurance rates in Massachusetts is Northfield, with an annual premium of $1,343 .
  • Massachusetts drivers can save up to 60% annually on their auto insurance policy by comparing price quotes from multiple carriers.
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Written by:
Shivani Gite
Contributing Writer
Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.
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Reviewed by:
Laura Longero
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Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Which company offers the cheapest car insurance in Massachusetts?

Based on data analysis by CarInsurance.com, State Farm provides the cheapest full coverage auto insurance rates for Massachusetts drivers at a monthly rate of $57 or $689 a year.

A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.

The table below provides the cheapest full coverage insurance quotes in Massachusetts. We’ve gathered rates from different insurance companies to help you find the most affordable option.

Cheapest car insurance rates in Massachusetts per month

CompanyFull Coverage Monthly Rates
State Farm$57
Geico$106
Plymouth Rock Assurance$117
Safety Insurance$126
Arbella Insurance$142
Farmers$164
Progressive$168
Amica Mutual$171
Travelers$190
Allstate$225
USAA*$120

Note: USAA is only available to military community members and their families.

Who pays a lower insurance premium in Massachusetts?

Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:

  • Massachusetts drivers with clean records pay 44% less than drivers who have a DUI on their records.
  • Massachusetts drivers in their 20s pay 54% lower rates for insurance than a 16-year-old in Massachusetts.
  • Adding a teen to your policy will cost you 71% less than having the teen purchase their own auto insurance policy.
  • Drivers who are licensed for three or more years pay 55% less on their insurance premiums.
  • Drivers insured for three or more years can save up to 14% on their insurance costs.

Cheapest insurers for different coverage levels in Massachusetts

Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.

Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.

 
Not all insurers offer the same coverage limits at the same price point. For instance:

  • State Farm is the cheapest for a state minimum policy.
  • State Farm has the cheapest rates for a liability-only policy (50/100/50).
  • State Farm offers the cheapest car insurance for a full coverage policy (100/300/100) in Massachusetts.

 The numbers above (100/300/100) represent up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.

Cheapest companies for state minimum coverage in Massachusetts

Massachusetts requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:

Minimum CoverageMinimum Limit
Minimum bodily injury liability$20,000/$40,000
Minimum property damage liability$5,000

Read more about the minimum liability car insurance requirements by state

The following table lists Massachusetts’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.

CompanyState Minimum Annual Rates
State Farm$210
Safety Insurance$332
Plymouth Rock Assurance$344
Geico$453
Farmers$492
Arbella Insurance$617
Amica Mutual$627
Allstate$678
Travelers$721
Progressive$789
USAA*$368

Note: USAA is only available to military community members and their families.

Cheapest Massachusetts insurance companies for liability-only coverage

If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.

Below, you’ll see average annual rates for major insurance providers in Massachusetts, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.

CompanyLiability Only Annual Rates
State Farm$273
Plymouth Rock Assurance$452
Geico$559
Safety Insurance$576
Farmers$683
Amica Mutual$785
Arbella Insurance$799
Allstate$865
Travelers$881
Progressive$888
USAA*$456

Note: USAA is only available to military community members and their families.

Cheapest car insurance companies in Massachusetts for full coverage

A  full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.

When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.

The following table lists the average annual rates of major insurance companies in Massachusetts from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.

CompanyFull Coverage Annual Rates
State Farm$689
Geico$1,269
Plymouth Rock Assurance$1,409
Safety Insurance$1,517
Arbella Insurance$1,708
Farmers$1,966
Progressive$2,016
Amica Mutual$2,052
Travelers$2,274
Allstate$2,694
USAA*$1,442

Note: USAA is only available to military community members and their families.

Learn more about who has the cheapest full coverage auto insurance

Cheapest auto insurance in Massachusetts by driving history

Your driving history impacts insurance premiums in Massachusetts, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.

A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.

In Massachusetts, drivers with a history of traffic violation pay an average of $791 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.

Cheap car insurance rates in Massachusetts after a speeding ticket

If you have a speeding ticket on your Massachusetts driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $872 per year.

CompanyRates Before SpeedingAfter Speeding (1-29 mph over limit)% Difference$ Difference
State Farm$766$87214%$106
Geico$1,351$1,50912%$158
Progressive$1,819$2,35830%$539
American Family$2,086$3,11449%$1,028
Travelers$2,415$3,50445%$1,088
USAA*$1,347$1,57117%$224

Note: USAA is only available to military community members and their families.

Cheapest car insurance in Massachusetts after a DUI conviction

State Farm offers the cheapest car insurance to Massachusetts drivers with a DUI conviction at $1,391 per year and Progressive has the second-cheapest insurance premiums at $2,136 a year, based on recent data.

Drivers with clean driving records can expect to pay an average of 44% less than those with a history of DUI.

Company Rates Before DUIRates After a DUI% Difference$ Difference
State Farm$766$1,39182%$626
Progressive$1,819$2,13617%$317
Geico$1,351$2,31171%$960
Travelers$2,415$3,68052%$1,265
American Family$2,086$3,91087%$1,824
Allstate$2,537$5,222106%$2,685
USAA*$1,347$3,307145%$1,959

Note: USAA is only available to military community members and their families.

Cheap car insurance companies in Massachusetts after an at-fault accident

State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,152 .

Geico is the second most affordable option, providing full-coverage car insurance with an average annual premium of $2,011 .

If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.

CompanyRates Before AccidentRates After Accident% Difference$ Difference
State Farm$766$1,15250%$386
Geico$1,351$2,01149%$660
Progressive$1,819$2,76152%$942
American Family$2,086$3,11449%$1,028
Travelers$2,415$3,75856%$1,343
Allstate$2,537$4,16864%$1,630
USAA*$1,347$1,92143%$574

Note: USAA is only available to military community members and their families.

Cheapest car insurance rates by state

Which cities in Massachusetts have the lowest auto insurance rates?

Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.

In Massachusetts, Northfield stands out as the city with the lowest auto insurance rates, at an average of $1,343 per year.

Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.

The table below shows a list of cities in Massachusetts with the most affordable car insurance rates.

CityFull Coverage Annual Rates
Northfield$1,343
Gill$1,345
Erving$1,350
Ashfield$1,353
Chatham$1,354
Nantucket$1,355
Bernardston$1,358
Rowe$1,359
Deerfield$1,360
Adams$1,363

Learn about the 10 most important factors that affect car insurance rates

Average savings on car insurance in Massachusetts

By comparing car insurance quotes, you can save an average of 60% per year for a full coverage policy in Massachusetts. 

While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.

Car insurance discounts in Massachusetts: Save on premiums

In Massachusetts, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Massachusetts below.

Discount Type% Difference$ Difference
Air bags2%$39
Anti-theft device3%$59
Days advanced purchase8%$159
Electronic funds transfer4%$100
Electronic signature12%$272
Lower annual mileage7%$147
Loyalty – years renewal with company5%$89
Multi policy14%$300
Paperless/electornic documents3%$67
Payment type6%$123
Primary use3%$84
Purchase status9%$161
Safety devices3%$75
Telematics6%$118
Years insured15%$475
Years licensed47%$4,099

The bottom line on cheap car insurance in Massachusetts

Based on our research, if you are a good driver, State Farm is the cheapest in Massachusetts for a full coverage policy.

We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.

To get cheap car insurance in Massachusetts, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.

Resources & Methodology

Methodology

CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Massachusetts for three different coverage levels:

  • Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
  • Liability-only with limits 50/100/50.
  • State-minimum car insurance limits of 20/40/5.

The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.

Violations:

Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket. 

Discounts:

Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes. 

The rates are for comparison purposes only and your exact rates may vary.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Executive Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.