The best car insurance in Massachusetts

Headshot of Nicole Wakelin
Headshot of Rachael Brennan

By

Nicole WakelinNicole WakelinAutomotive journalistNicole 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 BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael 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 AutoInsurance.com.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

By

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

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 $1,553 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.

Ready to shop car insurance?

Start calculator

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

  • USAA is the most affordable car insurance company in Massachusetts, while GEICO is the cheapest company for drivers not affiliated with the military

  • USAA also 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.

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

Collapse table

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

Collapse table

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

Ready to shop car insurance?

Start calculator

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.

Methodology

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.

Authors

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 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 AutoInsurance.com.

Questions about this page? Email us at .