- 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.
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 companies for different coverage levels in Massachusetts
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of 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 coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as 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 liability-only coverage in Massachusetts
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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.
| 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 full coverage car insurance in Massachusetts
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
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.
| 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 car insurance in Massachusetts by driving history
In Massachusetts, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Massachusetts, drivers with a history of such violations typically pay $791 more annually than drivers with clean records.
Cheap car insurance rates after a speeding ticket in Massachusetts
If you’ve got a speeding ticket on your Massachusetts driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $872, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Massachusetts.
| 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 after an at-fault accident in Massachusetts
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 found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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
Massachusetts cities with 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.
Northfield is the city with the lowest premiums in Massachusetts at an annual auto insurance rate of $1,343.
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.
Find below a list of Massachusetts cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save 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 savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Massachusetts: Save on premiums
Car insurance discounts in Massachusetts can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Massachusetts.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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 auto insurance in Massachusetts
Based on our findings, State Farm provides the cheapest rates for a full coverage policy in Massachusetts if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Massachusetts, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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