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.
Massachusetts drivers who pay lower insurance premiums
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 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 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 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
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 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 premiums 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.
If you have a clean record, you are likely to pay 44% less for car insurance than someone with a 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
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
Average savings on car insurance in Massachusetts
If you compare car insurance quotes, you could enjoy an annual saving of around 60% on 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
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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