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.
- 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.
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 policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Massachusetts.
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.
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Who pays a lower insurance premium in Massachusetts?
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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
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
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
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.
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 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.
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
Cheapest car insurance in Massachusetts, by driving history
Your driving history affects how much you pay for insurance in Massachusetts because insurance companies use it to assess the risk associated with insuring a driver.
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 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
Massachusetts drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,391 a year, followed by Progressive with an annual premium of $2,136 annually, based on recent data.
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
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 .
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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which cities in Massachusetts have the lowest auto insurance rates?
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.
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 car insurance in Massachusetts?
Shopping around for car insurance quotes in Massachusetts can help drivers save 60% annually on full coverage policies.
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 |
Final thoughts on cheap car 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.
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.
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Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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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.
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Leslie Kasperowicz
Managing 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.
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Nupur Gambhir
Managing Editor
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.
Guide to car insurance (with rates) in cities of Massachusetts