A full coverage auto insurance policy in Massachusetts costs an average of $1,553 a year, but how much you pay varies based on where in the state you live, your driving history, the company, and other personal details.
The best way to make sure you’re finding your most affordable car insurance rates is to shop around and compare quotes before you buy. Policygenius can help you see top options in Massachusetts, so you can be sure you’re choosing the right policy.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Massachusetts
How much you pay for car insurance in Massachusetts depends on factors like your age, driving history, where you live, and what kind of car you drive. But rates can also vary from company to company, which is why it’s so important to shop around and compare quotes before you buy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $1,017 | 890 |
GEICO | $1,067 | 874 |
Norfolk & Dedham | $1,116 | -- |
Quincy Mutual | $1,400 | -- |
Amica | $1,411 | -- |
Cheapest car insurance companies by age in Massachusetts
Younger drivers pay more for car insurance, because their inexperience behind the wheel means they’re more likely to get into an accident and need to file a claim. The good news is that prices for young drivers tend to fall over time, and by 25, rates generally level out.
Age | Cheapest company | Average cost |
|---|---|---|
16 | USAA | $2,984 |
18 | USAA | $2,256 |
21 | USAA | $1,386 |
25 | USAA | $1,125 |
30 | USAA | $1,042 |
35 | USAA | $1,008 |
45 | USAA | $1,000 |
55 | GEICO | $929 |
60 | GEICO | $933 |
65 | GEICO | $709 |
70 | GEICO | $764 |
Choosing the right car insurance company in Massachusetts
There’s no one right company for every driver, so the best company for you is the one that offers you the coverage you need at the most affordable price. And the best way to find out which company will offer you the cheapest coverage is to compare rates.
Policygenius makes it easy to see what you’ll pay for car insurance coverage from top companies, so you don’t have to worry that you’re missing out on a better deal somewhere else.
Car insurance rates for drivers with driving violations in Massachusetts
The more driving violations on your record, the higher your car insurance rates will be. Speeding tickets, accidents and other moving violations all mean you’ll pay more for car insurance coverage.
Violation | USAA | GEICO | Norfolk & Dedham | Quincy Mutual | Amica |
|---|---|---|---|---|---|
At-fault accident | $1,432 | $1,598 | $2,137 | $2,157 | $2,401 |
DUI | $2,491 | $1,820 | $2,668 | $2,762 | $3,137 |
Suspended license | $2,256 | $1,820 | $3,224 | $3,358 | $3,005 |
Open container | $1,783 | $1,218 | $2,573 | $2,634 | $3,005 |
Expired registration | $1,278 | $1,218 | $3,224 | $3,358 | $3,005 |
Driving without lights | $1,101 | $1,218 | $1,170 | $1,436 | $1,768 |
Running a red light | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Following too closely | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Hit and run | $2,727 | $1,820 | $2,573 | $2,634 | $3,005 |
Not-at-fault accident | $1,042 | $1,107 | $1,170 | $1,436 | $1,470 |
Passing a school bus | $1,530 | $1,218 | $1,483 | $1,725 | $1,768 |
Reckless driving | $1,783 | $1,820 | $2,573 | $2,634 | $3,005 |
Speeding | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Cheapest car insurance for drivers with bad credit in Massachusetts
Massachusetts is one of a handful of states that does not allow car insurance companies to consider your credit score when calculating rates. That means even if your credit is less-than-perfect, it won't result in you paying more for your insurance.
Car insurance costs in Massachusetts cities
Where in Massachusetts you live will have a big impact on what you’ll pay for car insurance. Drivers on the Cape or in the Pioneer Valley will pay less than drivers in the Boston area, where more cars on the roads means more potential for an accident.
Here’s what drivers pay for coverage in the 10 biggest cities in Massachusetts:
Boston: $1,966
Worcester: $2,035
Springfield: $2,169
Cambridge: $1,684
Lowell: $1,782
Brockton $2,622
New Bedford: $2,003
Quincy: $1,913
Lynn: $2,413
Fall River: $2,016
Buying car insurance in Massachusetts
Massachusetts requires all drivers to have a minimum amount of car insurance, although most drivers need well over the state minimums in order to be fully protected in case of an accident. The minimum amounts of car insurance required in Massachusetts are:
Bodily injury liability coverage per person: $20,000
Bodily injury liability coverage per accident: $40,000
Property damage liability coverage: $5,000
Personal Injury Protection (PIP): $8,000 per person
Uninsured/underinsured motorist coverage: $20,000 per person; $40,000 per incident
Massachusetts is a no-fault state. That means that, after a car accident, drivers must seek reimbursement for related injuries from their own car insurance company, even if the other driver was at fault.
How to get cheap car insurance in Massachusetts
Drive safely: Avoid accidents and driving violations and you’ll keep your rates down. Some carriers also provide discounts for taking defensive driving courses
Compare quotes: Compare rates before you buy to make sure you’re not overpaying
Bundle policies: Get your homeowners and car insurance from the same company and save on both policies
Know your discounts: Find out which discounts you qualify for, like discounts for paying your premiums in full or bundling your policy with homeowners insurance or another auto policy
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Massachusetts?
Our analysis found that the two cheapest insurance companies in Massachusetts are USAA and GEICO, but only drivers with a connection to the U.S. military qualify for coverage through USAA.
How can I save on my car insurance in Massachusetts?
You can save on your car insurance by avoiding accidents and traffic violations, bundling policies, and reshopping for coverage every year before renewing your policy.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state. That means that if you’re hurt in a car accident, you file a claim for your injury-related expenses with your own car insurance company, even if the other driver was at fault.
How much is car insurance per month in Massachusetts?
Drivers in Massachusetts pay an average of $129 per month, or $1,553 per year, for car insurance.
