Cheapest Car Insurance Rates in Massachusetts (2022)
Based on our research, drivers pay an modal of $ 73 per month if they buy the minimal come of car indemnity required in Massachusetts. And they pay an average monthly premium of $ 185 for a full-coverage policy .
several companies offer low-cost car insurance to Massachusetts drivers. To find the best, you should compare rates from at least three car policy companies .
Who has the cheapest car insurance in Massachusetts?
Cheapest minimum-coverage car insurance in Massachusetts
To get the cheapest state-minimum car policy in Massachusetts, go to State Farm. Of all the providers we surveyed, it offered our sample driver by army for the liberation of rwanda the lowest rates for this type of policy, at $ 27 per month. The average monthly premiums Citizens and MetLife provided as character of our statewide survey were about as low-cost — coming in at $ 44 and $ 49, respectively .
| Company | Average monthly rate |
|---|---|
| State Farm | $27 |
| Citizens | $44 |
| MetLife | $49 |
| Safety | $52 |
| Amica | $59 |
| GEICO | $62 |
| Massachusetts average | $73 |
| Arbella | $82 |
| Allstate | $89 |
| Progressive | $90 |
| Plymouth Rock Assurance | $99 |
| Standard Fire | $147 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don ’ deoxythymidine monophosphate ignore the early providers listed here ; compare quotes from them, excessively. several rate factors determine what you pay for car policy coverage, including your long time, sex, placement, and the lay down and model of your vehicle.
Be aware : a minimal liability indemnity policy is the most low-cost option, but you will only have the bare coverage needed to drive legally in the state. If you own a newer or more expensive vehicle, this level of security may be insufficient, so lay down sure you evaluate your particular needs before purchasing a plan .
Cheapest full-coverage car insurance in Massachusetts
department of state farm proved to be the cheapest of the bunch together once again, offering an modal rate of $ 75 per month for a full-coverage policy. The monthly pace Safety offered was more than $ 34 higher than State Farm ’ randomness, but closely $ 80 less than the express average for this type of car coverage .
| Company | Average monthly rate |
|---|---|
| State Farm | $75 |
| Safety | $109 |
| Citizens | $156 |
| GEICO | $157 |
| MetLife | $157 |
| Amica | $160 |
| Progressive | $162 |
| Massachusetts average | $185 |
| Arbella | 204 |
| Allstate | $227 |
| Plymouth Rock Assurance | $292 |
| Standard Fire | $334 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A full-coverage policy is more expensive than a minimum liability policy because it includes comprehensive and collision coverages. Comprehensive coverage reimburses you for vehicular price caused by events out of your control, including larceny, vandalism and natural disasters. Collision coverage protects you if you crash into a stationary object or cable car .
Compare Massachusetts Auto Insurance Rates
See how much you could save with a new policy
Who has the cheapest car insurance coverage for drivers with an incident history?
Cheapest full-coverage car insurance in Massachusetts for drivers with an accident history
Out of 11 major indemnity companies in Massachusetts, State Farm and Safety offered the cheapest rates after an accident. While Plymouth Rock Assurance had the smallest pace increase, its rates are inactive on the expensive slope .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $116 | $41 |
| Safety | $109 | $202 | $93 |
| GEICO | $157 | $229 | $72 |
| Progressive | $162 | $239 | $77 |
| Amica | $160 | $253 | $93 |
| Citizens | $156 | $278 | $122 |
| MetLife | $157 | $280 | $123 |
| Arbella | $204 | $314 | $110 |
| Plymouth Rock Assurance | $292 | $329 | $37 |
| Allstate | $227 | $372 | $145 |
| Standard Fire | $334 | $537 | $203 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
It ‘s no secret that drivers with a poor drive record or history of accidents receive higher quotes on average compared to drivers with no record. That ’ mho because policy companies use driving history as an indicator of how bad you are to insure .
To get an accident off your record, the best thing to do is to wait. Accidents normally stay on your record for three to five years .
Cheapest full-coverage car insurance in Massachusetts for drivers with a DUI
A DUI is a serious red flag to insurers, indicating that you are a bad driver to insure. As a resultant role, insurers may raise your rates substantially. For example, State Farm, the cheapest insurance company, increased its monthly premium by $ 66 on modal — an annual price increase of about $ 800 .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $141 | $66 |
| Progressive | $162 | $188 | $26 |
| Citizens | $156 | $226 | $70 |
| GEICO | $157 | $261 | $104 |
| Safety | $109 | $282 | $173 |
| MetLife | $157 | $321 | $164 |
| Amica | $160 | $325 | $165 |
| Arbella | $204 | $381 | $177 |
| Plymouth Rock Assurance | $292 | $431 | $139 |
| Allstate | $227 | $458 | $231 |
| Standard Fire | $334 | $535 | $201 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest full-coverage car insurance in Massachusetts for drivers with a speeding ticket
State Farm offered our sample driver with a speeding ticket the cheapest full-coverage car insurance in Massachusetts. For that kind of policy, the average rate quote was $ 86 per calendar month .
Most notably, Allstate did not increase rates after a speed ticket .
| Company | Monthly rate before | Monthly rate after | Difference |
|---|---|---|---|
| State Farm | $75 | $86 | $11 |
| Safety | $109 | $164 | $55 |
| GEICO | $157 | $172 | $15 |
| Amica | $160 | $190 | $30 |
| MetLife | $157 | $194 | $37 |
| Progressive | $162 | $208 | $46 |
| Arbella | $204 | $222 | $18 |
| Allstate | $227 | $227 | $0 |
| Citizens | $156 | $256 | $100 |
| Plymouth Rock Assurance | $292 | $416 | $127 |
| Standard Fire | $334 | $447 | $113 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Cheapest full-coverage car insurance for young drivers in Massachusetts
Age plays a boastful part in determining your insurance premium. Young and inexperienced drivers receive higher rates on average compared to their more have and older counterparts. This is because adolescent drivers are statistically most probable to be involved in an accident or major driving misdemeanor .
- bar chart 16 year old
- bar chart 18 year old
- bar chart
20 year honest-to-god
While adolescent and young driver pay more expensive rates, there are ways you can lower the costs :
- Consider signing onto your parents’ car insurance policy. Many companies have the option to add multiple drivers to your insurance plan. While this will increase the price of your parents’ insurance, it will be much cheaper than purchasing your own separate policies.
- Scout out discounts. Most insurers offer discounts catered towards students, new drivers and young people. When you stack some of these up, it adds up to large savings. You can usually check discount options on an insurer’s website.
- Shop around. The insurer you receive coverage from is one of the biggest determinants of how expensive or cheap your rates will be. Don’t just shop around large, well-known insurers; take a look at small and local ones as well.
- Constantly re-evaluate your insurance needs. Did you place your car in storage? Has your credit score increased? Are there any events that have recently happened in your life that affect your driving behavior? If so, consider lowering your coverage or contacting your insurer to see if you could get updated rates to reflect that.
Average car insurance costs in Massachusetts by ZIP code
car insurance rates vary at the local level because each city has different levels of vehicular crimes and population density. Residents of areas with high populations, like Brockton and Malden, receive higher average rates compared to people in more sparsely populate areas, including Beverly and Salem .
| ZIP code | City | Minimum coverage | |
|---|---|---|---|
| 01201 | Pittsfield | $51 | |
| 01841 | Lawrence | $76 | |
| 01844 | Methuen | $67 | |
| 01915 | Beverly | $56 | |
| 01960 | Peabody | $67 | |
| 01970 | Salem | $71 | |
| 02124 | Dorchester Center | $102 | |
| 02128 | East Boston | $79 | |
| 02135 | Brighton | $69 | |
| 02148 | Malden | $86 | |
| 02149 | Everett | $88 | |
| 02151 | Revere | $92 | |
| 02155 | Medford | $70 | |
| 02169 | Quincy | $73 | |
| 02301 | Brockton | $105 | |
| 02360 | Plymouth | $60 | |
| 02703 | Attleboro | $57 | |
| 02740 | New Bedford | $76 | |
| 02780 | Taunton | $68 | |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |||
Best car insurance companies in Massachusetts
It ‘s not enough to precisely have the best car insurance rates ; the ideal insurance company should besides have phenomenal customer service. The last thing you want when you file a claim is for the serve to be farseeing, arduous and unsatisfactory .
state farm, while being the cheapest insurance company overall, is rated in the middle when it comes to customer service, according to studies by the National Association of Insurance Commissioners ( NAIC ) and J.D. Power .
| Company | J.D. Power 2021 U.S. Auto Insurance Satisfaction Study | National Association of Insurance Commissioners (NAIC) Complaint Index |
|---|---|---|
| Citizens | N/A | 0.35 |
| Plymouth | 804 | 0.54 |
| Standard Fire | N/A | 0.56 |
| Allstate | 810 | 0.63 |
| Safety Insurance | 817 | 0.63 |
| GEICO | 841 | 0.69 |
| Arbella | 809 | 0.70 |
| State Farm | 855 | 0.70 |
| Progressive | 840 | 0.82 |
| MetLife | 774 | 1.18 |
| Amica | 863 | 1.23 |
| J.D. Power assesses overall customer satisfaction on a 1,000-point scale. The industry average for the New England area, which includes Massachusetts, is 828. The NAIC Complaint Index is the rate at which customers file complaints to their state regulators. The median Complaint Index is 1.0. | ||
Auto insurance laws in Massachusetts
Every state has driving laws that outline the sum of coverage you need to operate your car. In Massachusetts, you must meet at least the take after requirements :
| Coverage requirement | Limits |
|---|---|
| Bodily injury liability (BIL) | $20,000 per person/$40,000 per accident |
| Property damage liability (PDL) | $5,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $10,000 per accident |
| Personal injury protection (PIP) | $8,000 per accident |
No-fault state
Massachusetts is one of 12 no-fault states in the U.S. This means that, in the consequence of an accident, drivers are reimbursed by their own insurance company, regardless of who was at blame. As a consequence, Massachusetts drivers are required to carry PIP. however, if you are involved in an accident that results in over $ 2,000 of aesculapian bills or received injuries resulting in disfigurement or death .
What to know about driving in Massachusetts
According to our 2021 study on infrastructure in the U.S., Massachusetts ranks as having the 17th worst overall road infrastructure out of the 50 states. approximately 25 % of Massachusetts roads have been assessed as being non-acceptable, and 11.5 % of bridge decks are deemed as poor people quality. This costs motorists an average of $ 627 per year .
Methodology
In rate to conduct a comprehensive examination cogitation regarding the state of car policy in Massachusetts, we obtained rates from Quadrant Information Services. To evaluate our 11 insurers, we used a sample 30-year-old male driver who operates a 2012 Honda Accord LX .
Unless explicitly stated, he has a clean force history and prevail car policy coverage reflective of the state requirements.
During instances where a full-coverage policy was assessed, the following limits were used :
- $100,000 bodily injury liability per person/$300,000 per accident
- $100,000 property damage liability
- $500 collision and comprehensive deductible
- $20,000 uninsured motorist bodily injury liability per person/$40,000 per accident
- $8,000 personal injury protection liability
QuoteWizard.com LLC has made every effort to ensure that the data on this web site is correct, but we can not guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this locate are provided “ as is ” and “ as available ” for function. QuoteWizard.com LLC makes no representations or warranties of any kind, press out or implied, as to the mathematical process of this site or to the information, message, materials, or products included on this web site. You expressly agree that your use of this locate is at your exclusive risk .