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The cheapest car insurance companies in Massachusetts

Whether you are looking for minimal coverage, a full coverage policy with add-ons or something in between, comparing sample rates may be helpful when weighing your options. Bankrate use Quadrant Information Services and third-party sources to identify the cheapest carriers with both fiscal potency and high customer satisfaction ratings, which may help guide you in making a more informed decisiveness.

The cheapest companies for minimum coverage in Massachusetts

If you want to find the cheapest car policy companies in Massachusetts, comparing quotes from respective providers is one of the best ways to find the cheapest rates. This table under provides a snapshot of what some carriers could charge for minimum coverage .

Car insurance company Average annual minimum coverage premium Average monthly minimum coverage premium
State Farm $306 $26
Plymouth Rock $339 $28
Safety $377 $31
Amica $418 $35
The Hanover $430 $36

The cheapest companies for full coverage in Massachusetts

Full coverage car policies can provide greater fiscal protective covering, but these policies do price more on average. The mesa below offers insight into what a full coverage policy might cost a driver in Massachusetts .

Car insurance company Average annual full coverage premium Average monthly full coverage premium
State Farm $736 $61
Safety $827 $69
Plymouth Rock $959 $80
Geico $1,026 $86
Vermont Mutual $1,166 $97

Events that can impact your cheap rates in Massachusetts

After you secure a policy, there are numerous life events and circumstances that can occur and impact your premiums. These may include :

  • Adding a teen driver: Adding a teen driver to a policy can cause rates to increase, as teen drivers lack experience and are considered more of a risk behind the wheel. To keep the premium increase to a minimum, you may want to add your teen driver to your policy rather than purchasing a separate one. Over time, your teen’s rates will decrease as they gain more experience and keep a clean driving record.
  • Received a speeding ticket: Getting a speeding ticket is not ideal, but it can happen. That said, your rates will typically increase after getting a speeding ticket. You can expect to see an impact on your rates for about three years, but taking a defensive driver’s course or another type of driver safety course may help keep the impact to a minimum.
  • Involved in an at-fault accident: If you are involved in an at-fault accident, your insurance provider will typically not drop your coverage. However, your rates will likely increase. This impact is usually felt for about three to five years, but if you shop around for coverage, you may be able to reduce the cost of your insurance premiums.
  • Deemed a high-risk driver: High-risk drivers, which may include those convicted of a DUI or those with multiple moving violations, could face more challenges. Not only will these drivers likely pay higher premiums, but it may be harder to find an insurance provider willing to offer coverage. Comparison shopping will be an important strategy for these drivers to find coverage at an affordable rate.

Cheapest cities in Massachusetts for minimum coverage

The state you live in, the city you live in and your ZIP code will besides affect how a lot you pay for car indemnity. The table below provides examples of how rates for minimal coverage can vary by city, which is why it ’ south important to shop around for coverage when you move to a new city or ZIP code .

City Average annual minimum coverage premium Average monthly minimum coverage premium
Bernardston $357 $30
Savoy $357 $30
Deerfield $358 $30
Cummington $358 $30

Cheapest cities in Massachusetts for full coverage

Full coverage car insurance premiums can besides vary from city to another. The mesa below outlines how full coverage car policy costs can differ from one city to another .

City Average annual full coverage premium Average monthly full coverage premium
Bernardston $902 $75
Deerfield $903 $75
Cheshire $905 $75
Cummington $909 $76

Minimum coverage requirements for Massachusetts drivers

Massachusetts requires residents to maintain a minimum amount of insurance coverage. This minimum coverage requirement includes :

  • $20,000 in bodily injury liability per person
  • $40,000 in bodily injury liability per accident
  • $5,000 in property damage liability coverage per accident
  • $20,000 uninsured motorist bodily injury per person
  • $40,000 uninsured motorist bodily injury per accident
  • $8,000 in personal injury protection (PIP)

While it may be tempting to purchase the minimal car coverage legally required in Massachusetts, doing then could put you at greater fiscal hazard. There are numerous options for cheap car insurance in Massachusetts, and opting to purchase a more robust policy will give you better auspices. As such, a more comprehensive policy could besides keep you from facing fiscal disaster. Plus, if you lease or finance your vehicle, you will likely be required to carry entire coverage to protect the lender from fiscal damages that occur to the vehicle .

Here is how to find (and keep) cheap car insurance in Massachusetts

It ’ s important to find low-cost car indemnity rates, but you besides want to keep them after you find a policy that ’ randomness suited for your family. As you search for the cheapest car insurance in Massachusetts, keep the stick to in thinker :

  • Compare quotes from several insurance providers. Rates can vary quite a bit from one carrier to another. Shopping around shows you which carrier has the lowest rates for your situation. Rates can vary, and so can coverage options and limits, which will also impact your costs.
  • Maintain a clean driving record. Once you find the best rates, try to maintain a clean driving record and adopt the safest driving habits possible. This can help you to keep your low insurance rate. You should also be sure to re-evaluate your policy after big life events, like a marriage or a move, to see if there are additional discounts you may qualify for.

Frequently asked questions

What is the best car insurance in Massachusetts?

If you ’ re looking for the best car insurance company in Massachusetts, the answer will vary. That ’ second because the best policy supplier is unlike for every driver. Some indemnity companies stand out for their cheap rates while others are estimable suited for drivers who want the most comprehensive coverage options. Drivers who are looking for car insurance should shop around to find a supplier that meets most of their needs .

What is the average cost of car insurance in the U.S.?

The average cost of car policy in the U.S. is $ 565 per class for minimal coverage and $ 1,674 for entire coverage, which makes Massachusetts less than the home average. Currently, Massachusetts drivers pay an median of $ 510 annually for minimal coverage and $ 1,223 per class for broad coverage .

Is Massachusetts a no-fault state?

Yes, Massachusetts is considered a no-fault state. That means drivers are required to carry PIP insurance which pays for your own injuries after a crash, careless of who caused it .

Does Massachusetts have a high amount of uninsured drivers?

No, it does not. In fact, Massachusetts has the second lowest uninsured rate in the nation. presently, lone 3.5 % of the state of matter population is estimated to be driving uninsured .

How can I lower my car rates in Massachusetts?

In addition to comparison denounce, another method acting for finding cheap car indemnity rates in Massachusetts is to ask your insurance company and any prospective supplier about available discounts. Most policy companies offer a wide rate of discounts to drivers, from condom driver, pay-in-full and bundling to multi-car discounts. Taking advantage of these types of money-saving opportunities can lead to savings on your policy.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive read, dear citation and the following broad coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimum coverage that meets each submit ’ s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should entirely be used for relative purposes .

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