You can find the cheapest full-coverage car insurance in Massachusetts for $57 a month from State Farm. It saves you $87 compared to the state average car insurance cost of $144 monthly.
Shopping for car insurance in Massachusetts can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
- State Farm has the cheapest car insurance rates in Massachusetts for full coverage at $57 a month among the companies analyzed by the team of CarInsurance.com.
- In Massachusetts, drivers with clean driving records pay 44% less than drivers with a DUI.
- The city of Northfield has the lowest auto insurance rates in Massachusetts, with an average premium of $1,343 per year.
- You can save up to 60% per year on your car insurance policy in Massachusetts by comparing price quotes from multiple insurers.
Car insurance companies with cheap car insurance in Massachusetts
State Farm has the cheapest full coverage car insurance in Massachusetts, at an average premium of $57 per month or around $689 per year, based on CarInsurance.com data.
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
| 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 the lowest auto insurance premiums in Massachusetts?
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Massachusetts drivers with clean records pay 44% less than drivers who have a DUI on their record.
- 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
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
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 state minimum coverage in Massachusetts
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Massachusetts, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Massachusetts, ranked from cheapest to most expensive for state minimum coverage.
| 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 insurance providers for liability-only coverage in Massachusetts
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Massachusetts, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates 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
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
A speeding ticket can impact your Massachusetts car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $872 a 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.
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 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 companies in Massachusetts after an at-fault accident
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,152 a year.
On the other hand, GEICO offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $2,011.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
Cities with the lowest auto insurance rates in Massachusetts
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Massachusetts, Northfield stands out as the city with the lowest auto insurance rates, at an average of $1,343 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Massachusetts with the most affordable car 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 |
Learn about the 10 most important factors that affect 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
Massachusetts drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Massachusetts.
| 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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