Compare Car Insurance Rates in Massachusetts

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Cheap Car Insurance Massachusetts: Full and Minimum Coverage

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  • Car insurance in Massachusetts averages $64 per month for minimum-coverage policies and $207 each month for full coverage.
  • Hanover offers the lowest average prices in Massachusetts for minimum coverage, while Progressive offers the cheapest full coverage option.
  • High-risk drivers with at-fault accidents, DUIs, and speeding tickets on their driving records often pay more for Massachusetts car insurance.

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For the cheapest car insurance in Massachusetts, Hanover typically offers an average rate estimate of $31 per month for minimum coverage. Farmers usually has the second-cheapest coverage for Massachusetts drivers, also making it a strong choice.

Our team considered a variety of factors including cost data, coverage choices, customer reviews, and industry reputations to learn which companies offer the best car insurance in Massachusetts. We’ve got details on each provider’s average costs to reveal where you can find high-quality and affordable insurance in the Bay State.

Best Car Insurance Rates in Massachusetts

Hanover, Farmers, and Amica Mutual tend to offer the cheapest auto insurance rates for Massachusetts drivers. Make sure to get quotes from various providers to determine which company has the lowest prices for your vehicle.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Massachusetts. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
  • You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Massachusetts for a few driver profiles right here:
    • Cheapest full coverage: Progressive followed by Farmers
    • Cheapest minimum coverage: Hanover followed by Farmers
    • Cheapest for teen drivers: GEICO followed by Travelers
    • Cheapest for drivers with a traffic violation: Hanover followed by Farmers

Cheapest Car Insurance Companies in Massachusetts

We’ve compiled the providers that offer Massachusetts’s strongest mix of affordable coverage and high-quality plans. While Hanover has the Bay State’s cheapest rates overall, GEICO received the highest score of any company we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts

Cheapest Car Insurance Coverage in Massachusetts

The cheapest car insurance in Massachusetts will almost certainly be minimum-liability coverage. While this will meet your state’s car insurance requirements, it won’t protect your own vehicle or take care of personal bodily injuries.

Getting a full-coverage plan will cover your own car and medical bills instead of only those for other drivers. This will cost significantly more than minimum coverage in the short-term, but could save you a lot of money if you get involved in an at-fault accident.

Cheapest Minimum-Liability Car Insurance in Massachusetts

The average rate estimate for a minimum-coverage policy in Massachusetts is $64 per month or $763 per year. Hanover tends to offer the cheapest minimum-liability policies with estimates of $31 per month or $372 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
Amica Mutual$59$704
Arbella Mutual$69$827
Plymouth Rock$80$955

Cheapest Full-Coverage Car Insurance in Massachusetts

In Massachusetts, the average rate for full-coverage auto insurance is $207 per month or $2,485 per year. Overall, Progressive offers the cheapest average estimates for full-coverage insurance at $140 per month or $1,683 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
Amica Mutual$175$2,094
Arbella Mutual$251$3,013
Plymouth Rock$255$3,057

Massachusetts Car Insurance Quotes by Driver Profile

Your personal coverage rate for car insurance in Massachusetts will likely vary significantly from what’s listed above. That’s because auto insurance companies base individual premiums on several variables including your age, driving record, and location in Massachusetts.


Cheapest Car Insurance in Massachusetts: Age

Age is significant when setting the price of car insurance. Young drivers and especially teen drivers typically pay far more for auto coverage than those in other age groups. In the table below, you’ll find the average rate estimates for Massachusetts drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Massachusetts: High-Risk Drivers

Your driving history is another key component in your Massachusetts auto insurance rates, as any at-fault accidents or traffic violations such as speeding tickets can result in higher premiums.

How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Massachusetts and their average minimum-coverage rates for good drivers versus those marked as high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
Amica Mutual$59$102
Arbella Mutual$69$110
Plymouth Rock$80$124

Car Insurance Rates in Massachusetts: Speeding Ticket

A single speeding ticket can cause your premiums to go up significantly. For Massachusetts drivers, Farmers tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $50 per month or $600 per year. Hanover also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
Amica Mutual$73$873
Arbella Mutual$76$917
Plymouth Rock$115$1,386

Car Insurance Rates in Massachusetts: At-Fault Accident

Drivers will also likely see higher rates if they’re found at fault for a car accident. Hanover generally offers the cheapest coverage for Massachusetts drivers with a recent accident, with an average rate estimate of $57 per month or $684 per year. Farmers and Progressive have relatively inexpensive coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Amica Mutual$103$1,233
Arbella Mutual$115$1,382
Plymouth Rock$126$1,514

Car Insurance Rates in Massachusetts: DUI

A violation for serious offenses, such as driving under the influence (DUI), can cause auto insurance premiums to skyrocket. For Massachusetts motorists with a DUI on their record, Hanover offers average estimates of $42 per month or $509 per year. Progressive and Farmers also offer some of the more affordable premiums for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
Plymouth Rock$131$1,569
Amica Mutual$131$1,575
Arbella Mutual$138$1,651

Average Cost of Car Insurance in Massachusetts

The average cost of car insurance in Massachusetts comes out to $763 per year for minimum-liability insurance and $2,485 annually for full coverage. These rates are about 22% higher than the national average for minimum coverage and 30% higher than the national rate for full coverage.

Average Car Insurance Cost in Massachusetts by City

Your location in Massachusetts significantly impacts the auto insurance premiums you’ll likely face. Factors such as population density, crime rates, and weather patterns vary between ZIP codes, and you can expect car insurance rates to as well. The table below shows the average rates for car insurance in Massachusetts’s largest cities.

Cities in MassachusettsAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
New Bedford$79$247
Fall River$80$247

Massachusetts Minimum Car Insurance Coverage

According to Massachusetts law, all drivers must either meet or exceed the following minimum coverage requirements:

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

While liability insurance and uninsured motorist coverage are important, they don’t protect against everything. Both insurance agents and experts recommend moving beyond state minimum-coverage car insurance policies. Higher limits could protect you from paying large amounts of money out of pocket after an accident and save you a lot of money in the long run.

If you have collision coverage and comprehensive coverage, you’ll be safe from covering repair costs to your own vehicle after thefts, vandalism, a car accident, or severe weather. Other types of coverage such as personal injury protection (PIP) and medical payments coverage (MedPay) could make it easier to cover potential medical bills as well.

Cheap Car Insurance in Massachusetts: Conclusion

The cheapest car insurance in Massachusetts often comes from Hanover, which has average rates of $31 per month. It’s important to compare auto insurance quotes from various providers to find out if you could receive more affordable coverage elsewhere.

You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $140 per month from Progressive. More coverage generally means higher premiums, but also more financial protection and peace of mind.

Best Car Insurance in Massachusetts: Recommended Providers

While certain companies are known to offer reasonable premiums to Massachusetts drivers, you’ll need to get car insurance quotes from various providers to find your best rates. We recommend considering Hanover and Farmers as you begin your search for the best auto insurer as they both offer great balance between quality and cost of coverage.

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Hanover typically provides the cheapest car insurance in Massachusetts for both full-coverage and minimum-coverage plans. For those who are eligible, Hanover may be the best choice due to their competitive pricing.

Farmers: 4.3 out of 5.0

The price estimates for Farmers car insurance in Massachusetts were extremely competitive, nearly matching those from Hanover. That, combined with the company’s reputation and quality of service, makes it an excellent option for those seeking coverage in the Bay State. Farmers is also known to offer plenty of safe driving discounts, with 17 choices for Massachusetts motorists.

Cheapest Auto Insurance in Massachusetts: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Massachusetts tend to receive their lowest premiums from Hanover and Farmers.

How much is car insurance per month in Massachusetts?

The average cost of car insurance per month in Massachusetts is $64 for a minimum-coverage policy and $207 for full coverage. Our team found rates in Massachusetts as low as $31 per month for minimum coverage and $140 for a full-coverage policy.

How to reduce car insurance in Massachusetts?

The easiest ways to reduce your car insurance cost in Massachusetts are by lowering your amounts and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score and bundling coverage with homeowners or renters insurance are other ways to get lower rates over the long term. Shopping around for quotes will help you find the best and most affordable coverage available.

How much is car insurance on average in Massachusetts?

Car insurance in Massachusetts averages out to $763 per year for minimum coverage and $2,485 annually for full-coverage policies.

Is it illegal to drive without insurance in Massachusetts?

Yes, it is illegal to drive without insurance in Massachusetts. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even face a short time in prison.

Is it cheaper to pay car insurance every six months or monthly?

You’ll typically get charged less if you pay off your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies upfront, though this savings opportunity isn’t universally offered.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.