The best car insurance in Massachusetts

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Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

 & Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and


Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

A full coverage auto insurance policy in Massachusetts costs an average of $1,614 a year, but how much you pay varies based on where in the state you live.

In the Berkshires, Great Barrington drivers pay an average of $1,311 a year for car insurance, while drivers in New Bedford pay $2,087 a year for the same coverage.

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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.

Key Takeaways

  • GEICO is the most affordable car insurance company in Massachusetts with average rates of $1,067 per year

  • USAA offers the cheapest car insurance for 16-year-olds in Massachusetts 

  • Massachusetts is a no-fault state, which means drivers must have Personal Injury Protection (PIP) to pay for their medical bills after a car accident

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.


Average cost

JD Power Rating







Norfolk & Dedham



Quincy Mutual






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.


Cheapest company

Average cost

























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.




Norfolk & Dedham

Quincy Mutual


At-fault accident












Suspended license






Open container






Expired registration






Driving without lights






Not showing documents






Running a red light






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: $2,053

  • Worcester: $2,108

  • Springfield: $2,250

  • Cambridge: $1,765

  • Lowell: $1,850

  • Brockton $2,713

  • New Bedford: $2,087

  • Quincy: $1,990

  • Lynn: $2,497

  • Fall River: $2,094

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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 GEICO and USAA, 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 $1,614 a year for car insurance, which breaks down to $134.50 per month.


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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.