- According to recent data, State Farm offers the cheapest full coverage car insurance in Massachusetts at $57 per month.
- Massachusetts drivers with a clean driving record pay 44% less for car insurance than drivers with a DUI.
- In Massachusetts, the city of Northfield has the most affordable car insurance rates at $1,343 annually.
- Comparing price quotes from multiple insurers can help you save up to 60% per year on your car insurance policy in Massachusetts.
The cheapest full coverage car insurance in Massachusetts is $57, saving you $87 compared to the average cost of insurance in the state, which is around $144 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Massachusetts, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Which company offers the cheapest car insurance in Massachusetts?
State Farm offers the cheapest car insurance rates in Massachusetts for a full coverage policy with an average premium of $57 per month or around $689 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Massachusetts by different insurance carriers for a full coverage policy.
Cheapest car insurance rates in Massachusetts per month
| Company | Full 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 Massachusetts companies for different coverage levels
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.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest companies for state minimum coverage in Massachusetts
In Massachusetts, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| Minimum coverage | Minimum 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.
| Company | State 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.
In the table below, see the average annual rates from Massachusetts’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability 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
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.
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 table below lists major insurance providers in Massachusetts based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| Company | Full 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
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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 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.
| Company | Rates before speeding | After speeding (1-29 mph over limit) | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $766 | $872 | 14% | $106 |
| GEICO | $1,351 | $1,509 | 12% | $158 |
| Progressive | $1,819 | $2,358 | 30% | $539 |
| American Family | $2,086 | $3,114 | 49% | $1,028 |
| Travelers | $2,415 | $3,504 | 45% | $1,088 |
| USAA* | $1,347 | $1,571 | 17% | $224 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Massachusetts
CarInsurance.com analyzed insurance rates for Massachusetts drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,391. Progressive is the second-cheapest insurer at an average of $2,136 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 44% less than drivers with a DUI on their record.
| Company | Rates before DUI | Rates after a DUI | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $766 | $1,391 | 82% | $626 |
| Progressive | $1,819 | $2,136 | 17% | $317 |
| GEICO | $1,351 | $2,311 | 71% | $960 |
| Travelers | $2,415 | $3,680 | 52% | $1,265 |
| American Family | $2,086 | $3,910 | 87% | $1,824 |
| Allstate | $2,537 | $5,222 | 106% | $2,685 |
| USAA* | $1,347 | $3,307 | 145% | $1,959 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates in Massachusetts after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,152 annually.
GEICO is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
| Company | Rates before accident | Rates after accident | % difference | $ difference |
|---|---|---|---|---|
| State Farm | $766 | $1,152 | 50% | $386 |
| GEICO | $1,351 | $2,011 | 49% | $660 |
| Progressive | $1,819 | $2,761 | 52% | $942 |
| American Family | $2,086 | $3,114 | 49% | $1,028 |
| Travelers | $2,415 | $3,758 | 56% | $1,343 |
| Allstate | $2,537 | $4,168 | 64% | $1,630 |
| USAA* | $1,347 | $1,921 | 43% | $574 |
Note: USAA is only available to military community members and their families.
Check out the most affordable insurance options in your neighboring state
Which cities in Massachusetts have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Massachusetts is Northfield, at $1,343 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Massachusetts with the lowest auto insurance rates.
| City | Full 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Massachusetts?
Shopping around for car insurance quotes in Massachusetts can help drivers save 60% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
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 bags | 2% | $39 |
| Anti-theft device | 3% | $59 |
| Days advanced purchase | 8% | $159 |
| Electronic funds transfer | 4% | $100 |
| Electronic signature | 12% | $272 |
| Lower annual mileage | 7% | $147 |
| Loyalty – years renewal with company | 5% | $89 |
| Multi policy | 14% | $300 |
| Paperless/electornic documents | 3% | $67 |
| Payment type | 6% | $123 |
| Primary use | 3% | $84 |
| Purchase status | 9% | $161 |
| Safety devices | 3% | $75 |
| Telematics | 6% | $118 |
| Years insured | 15% | $475 |
| Years licensed | 47% | $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 know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Massachusetts is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
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