7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Cheapest recent rates in Massachusetts
Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $128/mo for full coverage in Massachusetts.
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Massachusetts drivers pay an average of $176 per month for car insurance compared to the national average of $158 per month. Safeco and Liberty Mutual offer the cheapest car insurance in Massachusetts. The exact amount you’ll pay for car insurance varies based on your unique situation, but comparing quotes is the best way to find cheap rates.
The state had a relatively low number of fatal crashes in 2021, according to data from the Insurance Institute for Highway Safety.[1] The U.S. had a fatal crash rate of 12.7 per 100,000 people, while Massachusetts had a lower fatality rate of 6 per 100,000 people. This may partially explain why Massachusetts drivers earn lower average rates than other U.S. drivers.
Here’s what you need to know about finding cheap car insurance in the Bay State.
Quick Facts
Massachusetts drivers pay an average of $115 per month for minimum coverage insurance and $238 per month for a full-coverage policy.
Because Massachusetts is a no-fault state, drivers need to have personal injury protection coverage to pay for their medical bills after a car accident.[2]
Car insurance companies in Massachusetts can’t use your credit history when determining premiums.[3]
Cheapest car insurance companies in Massachusetts
Every driver in Massachusetts has a unique profile that affects their car insurance premiums. Since each insurance company has a different method of determining premiums, you’ll likely find a range of rates across different companies.
The right insurance company will vary based on your needs. Shopping around can help you find the best fit for your situation. The table below explores some of the top insurance companies in Massachusetts to help you begin your search.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$133/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$271/mo
Liberty Mutual sells a variety of insurance products for vehicles, property, businesses, pets, and more. If you bundle your auto insurance with home, condo, or renters insurance, you can save up to 12% on your coverage. The company offers standard auto coverage options in addition to accident forgiveness, gap, rental car, and original parts replacement coverage.
Pros
Numerous available discounts
Accident forgiveness program
Cons
Below-average J.D. Power customer satisfaction ranking in New England
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$89/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$194/mo
Travelers has been in business for more than 165 years and offers affordable full-coverage policies in Massachusetts, with average costs well below other companies in the state. The company advertises 12 available discounts and numerous coverage options. Unfortunately, the company received a below-average customer satisfaction ranking from J.D. Power in New England.
Pros
Offers new car, pay in full, and early quote discounts
AM Best financial strength rating of A++ (Superior)
Cons
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2/10
Midvale Home & Auto provides drivers in Massachusetts with an affordable liability-only coverage option. Though many drivers prefer a full-coverage policy, Midvale Home & Auto makes it easy to save with a minimum-coverage policy. Drivers can save more by bundling auto and home insurance.
Pros
Offers auto, renters, and homeowners insurance
Customers can earn a discount for bundling auto and home insurance
Cons
Lower IQ Score than many insurers
No mobile app
Find Cheap Car Insurance in Massachusetts
Liability coverage quotes start at $85 per month in the state
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How to get the cheapest car insurance in Massachusetts
Car insurance companies look at different factors to determine your premiums. Some common factors include your driving record, age, location, credit history, and marital status.
The good news is that you can implement strategies to earn cheaper insurance rates:
Shop around. Comparing quotes from multiple insurance companies can help you find the best rate for your situation.
Raise your deductible. Setting a higher deductible typically leads to lower premiums. If you can afford to cover a higher deductible, consider increasing yours.
Look for a discount. Most insurance companies offer discount opportunities. It never hurts to see if you qualify.[4]
Opt for minimum coverage. A liability-only insurance policy is typically the cheapest coverage you can buy. But if you have an accident, you’ll have to pay for your vehicle repairs out of pocket.
Cheapest liability-only car insurance in Massachusetts: Safeco
Liability car insurance includes bodily injury liability and property damage liability coverage. This type of insurance policy kicks in to help you pay for damages or injuries you cause others in an accident. In Massachusetts, minimum coverage includes personal injury protection for your injuries as well.
Safeco offers the cheapest average rates for liability-only car insurance, at $85 per month. The table below shows the average quotes for liability-only policies from insurance companies in Massachusetts.
Cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Massachusetts: Safeco
Full-coverage car insurance policies provide more coverage and financial protection than liability-only policies. On top of liability coverage, a full-coverage policy includes collision and comprehensive coverage. After an incident, this type of policy will help you repair or replace your own vehicle.
If you would struggle to pay for repairs on your own after an accident, you should consider purchasing a full-coverage policy. Some drivers need to carry this type of policy if they lease or finance their vehicle.
In the table below, you can find average quotes for full-coverage policies from the cheapest insurers in Massachusetts.
Cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Massachusetts
Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $128/mo for full coverage in Massachusetts.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Massachusetts
Massachusetts requires drivers to carry a minimum amount of insurance to drive on public roadways. In this no-fault state, you must carry personal injury protection (PIP) and uninsured/underinsured motorist coverage in addition to bodily injury and property damage liability coverage.[5]
Here are the specific minimum car insurance requirements for Massachusetts drivers:
Most people can benefit from purchasing coverage beyond the minimum required insurance. Common optional coverages to consider include:
Collision coverage
Collision insurancehelps pay for repairs to your vehicle after an accident. This includes collisions with other cars and stationary objects.
Comprehensive coverage
Comprehensive insurancehelps pay for repairs or replacement after something other than a collision damages your vehicle, like theft or vandalism.
Roadside assistance coverage
Specifics vary by insurer, but roadside assistance coveragetypically includes services like lock-outs, jump-starts, tire changes, towing, and more.
Cheapest car insurance for drivers with an incident
Having a traffic violation on your record can increase your insurance costs. Insurers view incidents like speeding tickets, driving under the influence charges, and at-fault accidents as indicators of future risk. In general, an insurance company will respond to this increased risk by charging higher insurance premiums.
Massachusetts is one of the most densely populated states in the country. With more people living in tight quarters, traffic congestion can lead to more accidents and higher car insurance rates. On average, Massachusetts drivers with an incident on their record pay $220 per month.
The following sections provide a closer look at how an incident on your driving record can affect your insurance costs.
Find Car Insurance in Massachusetts
Insurify partners with dozens of insurers for accurate quotes
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Based on 3,806+ reviews
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Cheapest car insurance for drivers with a speeding ticket: Safeco
Drivers with a speeding ticket tend to pay more for car insurance than people with a clean driving record. The overall average cost of car insurance in Massachusetts for drivers with a speeding ticket is $199 per month.
Here are the cheapest average quotes for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Safeco
After an at-fault accident, you’ll often pay more for car insurance. This type of incident may affect your rates more than a single speeding ticket. The severity of the accident — and how much your insurer had to pay out in claims — can influence how much your insurance premium increases upon renewal.
Massachusetts drivers with an at-fault accident pay an average of $252 per month. Below, you can find the cheapest coverage options for drivers in the state.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Safeco
A DUI is one of the most serious offenses a driver can have. If you get a DUI on your driving record, you’ll likely have to pay significantly higher car insurance premiums. The overall average cost of car insurance for drivers in the state with a past DUI is $179 per month.
Explore average quotes for drivers with a DUI in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Safeco
Your age can affect how much you pay for car insurance. After gaining years of experience behind the wheel, drivers tend to earn lower rates starting around age 35. Though the downward trend in costs continues for decades, seniors often see rates increase around age 70.
The good news is that comparing quotes across multiple insurance companies can help senior drivers find the best car insurance for their situation. On average, Massachusetts senior drivers pay $134 per month for car insurance.
Here are some average car insurance quotes for older drivers from top insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Safeco
Due to a lack of experience behind the wheel, teen drivers tend to face the highest car insurance rates. Young drivers often face higher rates until age 25 due to the elevated risk they pose for insurance companies.
Teen drivers can keep costs down by maintaining good grades, joining their parents’ insurance policy, committing to safe driving habits, and selecting a higher deductible. Shopping around can also help young drivers find the lowest rates.
The overall average cost of car insurance for teen drivers in Massachusetts is $319 per month. Below are some of the cheapest options for teen drivers in Massachusetts.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Massachusetts
Insurify partners with 100+ top insurers for real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Massachusetts car insurance FAQs
Before you start shopping around for car insurance, you should decide on the amount of coverage you need. The following information should help you navigate the process of buying cheap car insurance in Massachusetts.
How much is car insurance in Massachusetts?
The overall average cost of auto coverage in Massachusetts is $176 per month. Drivers in Massachusetts pay $115 per month for liability coverage and $238 for full coverage, on average. How much you pay for coverage will depend on your driving record, age, and more.
Who has the cheapest car insurance in Massachusetts?
Comparing quotes from multiple companies is the best way to find the cheapest rates for you, but Safeco is the cheapest car insurance company in Massachusetts. Safeco policyholders pay as little as $85 per month for liability coverage. Other cheap insurers in the state include Liberty Mutual and Liberty Mutual, which have monthly liability rates of $133 and $129, respectively.
What are the best car insurance companies in Massachusetts?
With a high Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous discounts, Travelers is the best car insurance company in Massachusetts. Other top insurers include Midvale Home & Auto, Liberty Mutual, and USAA.
Does your credit score affect your car insurance rates in Massachusetts?
No. Massachusetts insurers can’t consider your credit history when determining car insurance premiums. State law forbids companies from using credit information during the process of determining premiums, underwriting policies, or renewing policies.
What are the minimum car insurance requirements in Massachusetts?
Massachusetts drivers must carry the following minimum amounts of car insurance:
$20,000 per person and $40,000 per accident for bodily injury liability
$5,000 per accident for property damage liability
$20,000 per person and $40,000 per accident for uninsured/underinsured motorist coverage
$8,000 for personal injury protection coverage
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Liberty Mutual
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