FIND THE CHEAPEST INSURANCE IN YOUR AREA
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While auto insurance rates in Massachusetts tend to rank in the higher half in the nation, there is a lot of variability in what individual drivers pay based on where they live and which company they insure with. We compared cost data for several different drivers to provide the Bay State's 4.7 million motorists with information on the best auto insurance rates and companies in Massachusetts.

Annual rates for our drivers ranged from an average of $889 per year at the cheapest car insurance company to $2,210 at the higher end depending on which company drivers picked to insure their vehicles, and $1,015 in Nantucket to $2,350 in Brockton – a difference of 149% and 132%, respectively. That’s why it’s always important for consumers to shop for quotes from several insurers to make sure they’re getting good rates. Read more below, or enter your zip code for a list of companies to begin shopping for quotes.

Find The Cheapest Auto Insurance In Your Area
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Cheapest Auto Insurance in Massachusetts

Which companies have the cheapest auto insurance quotes in Massachusetts? Our analysis looked at rates for three single drivers, three married couples, and a family with a teenager across 179 cities in Massachusetts to determine average premiums by company. The table below shows 35 companies ranked from those with the best auto insurance rates to the most expensive ones.

Rank Auto Insurance Company Average Annual Rates
1 GEICO 889
2 USAA (military only) 982
3 Green Mountain / Concord Insurance 1,093
4 Citizens / Hanover 1,115
5 AIG / Chartis 1,122
6 State Farm 1,133
7 Ameriprise 1,161
8 Liberty 1,167
9 Plymouth Rock 1,208
10 Praetorian 1,242
11 Commerce 1,247
12 Safety 1,250
13 Encompass 1,254
14 Norfolk & Dedham 1,282
15 Arbella 1,315
16 Quincy Mutual 1,318
17 ACE 1,328
18 Fireman's Fund 1,331
19 Amica 1,340
20 Preferred Mutual 1,342
21 Vermont Mutual 1,370
22 Esurance 1,373
23 Safeco 1,393
24 Electric 1,419
25 Harleysville 1,425
26 Metropolitan 1,425
27 Travelers 1,426
28 Tower Group 1,429
29 National Grange 1,451
30 Farm Family 1,471
31 Peerless 1,525
32 Progressive Direct 1,604
33 Allstate 1,655
34 Occidental 1,956
35 PURE 2,210

Find The Cheapest Auto Insurance In Your Area
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The five general auto insurers companies in Massachusetts with the lowest costs are GEICO, Green Mountain / Concord Insurance, Citizens / The Hanover Insurance Group, AIG / Chartis, and State Farm. Note that USAA actually ranked with the second best rates, but they’re a specialty company that only insurers military personnel and their family members. To arrive at this answer, we looked at the average annual premiums from thirty five insurers across a wide swathe of cities, and seven different kinds of drivers. We then ranked the thirty five companies from lowest to most expensive, and picked the six with the cheapest costs.

Rates at these five cheapest companies average $1,070 for civilian drivers in Massachusetts, which is a 21% decrease from what the average company charges in the Commonwealth. Just bear in mind that these figures are a composite of different companies and drivers, so your actual quotes will differ. Quotes will be based on how well you’ve driven in the past five years, where you live, what car you drive, how much liability protection you want, and various other factors. 

This graph shows which five car insurance companies in Massachusetts have the lowest rates, and compares them to the state average.

Cheapest Auto Insurance in Massachusetts: by City

One of the most important factors companies consider when coming up with a quote is where you live and park your car. Generally speaking, urban drivers living in more densely populated cities or towns tend to pay higher than average costs to insure their vehicles. Even motorists living in Boston, or Brockton and Chelsea (two of our most expensive locations), can still find cheap auto insurance quotes with some research. 

In the table below, we take a look at which three companies have the lowest rates for drivers for each of the 179 cities in our Massachusetts analysis. For the most part, GEICO ranked as the cheapest insurance provider in in the 170+ cities. USAA ranked either 2nd or 3rd cheapest in 90% of the cities, but since they only insure the armed forces and their families, we’ve excluded them in the table to be applicable to the greatest number of drivers.

Massachusetts Place Cheapest Insurer #1 Cheapest Insurer #2 Cheapest Insurer #3
Boston Concord $954 GEICO $1,315 Hanover $1,506
Worcester Liberty Mutual 885 GEICO 1,227 Hanover 1,425
Springfield Concord 868 Liberty Mutual 1,044 GEICO 1,284
Lowell Concord 975 GEICO 1,110 Liberty Mutual 1,285
Cambridge GEICO 947 Liberty Mutual 1,180 Hanover 1,213
Abington Concord 928 GEICO 960 Hanover 1,204
Acton GEICO 659 AIG 828 Ameriprise 855
Acushnet Concord 868 GEICO 917 Hanover 1,164
Agawam GEICO 917 Concord 928 Hanover 1,164
Amesbury GEICO 776 Concord 868 Plymouth Rock 929
Amherst GEICO 855 Concord 868 Liberty Mutual 1,028
Andover GEICO 789 Concord 868 State Farm 980
Arlington GEICO 825 State Farm 1,024 Hanover 1,029
Ashland GEICO 855 AIG 1,061 Hanover 1,072
Athol GEICO 789 Liberty Mutual 929 AIG 980
Attleboro GEICO 855 AIG 1,061 Hanover 1,072
Auburn GEICO 862 Liberty Mutual 1,088 State Farm 1,106
Barnstable GEICO 855 Concord 868 AIG 1,061
Bedford GEICO 776 AIG 948 Ameriprise 976
Belchertown GEICO 789 Plymouth Rock 929 State Farm 980
Bellingham GEICO 789 Concord 975 AIG 980
Belmont GEICO 789 AIG 980 Hanover 984
Beverly GEICO 855 Concord 928 AIG 1,061
Billerica GEICO 855 AIG 1,061 Hanover 1,072
Bourne GEICO 825 Hanover 1,029 AIG 1,037
Braintree GEICO 960 Concord 975 Liberty Mutual 1,176
Bridgewater GEICO 862 Concord 975 Plymouth Rock 1,089
Brockton Concord 928 GEICO 1,595 State Farm 1,631
Brookline GEICO 889 Concord 1,009 Liberty Mutual 1,155
Burlington GEICO 825 Hanover 1,029 AIG 1,037
Canton GEICO 960 Concord 1,009 Hanover 1,204
Carver Concord 868 GEICO 917 Hanover 1,164
Charlton GEICO 825 Plymouth Rock 994 Hanover 1,029
Chelmsford GEICO 776 State Farm 948 AIG 948
Chelsea Concord 868 GEICO 1,479 Hanover 1,677
Chicopee Concord 928 GEICO 1,059 Liberty Mutual 1,190
Clinton GEICO 862 Liberty Mutual 1,063 State Farm 1,106
Concord GEICO 659 AIG 828 State Farm 836
Danvers GEICO 855 Concord 868 Liberty Mutual 1,044
Dartmouth GEICO 917 Hanover 1,164 State Farm 1,168
Dedham GEICO 960 Concord 1,096 Hanover 1,204
Dennis GEICO 789 Safety 925 State Farm 980
Dracut GEICO 862 Liberty Mutual 1,070 Hanover 1,112
Dudley GEICO 789 AIG 980 Hanover 984
Duxbury GEICO 789 Concord 868 AIG 980
Easthampton GEICO 789 Concord 868 AIG 980
Easton GEICO 917 Hanover 1,164 AIG 1,170
Everett Concord 1,240 GEICO 1,296 Hanover 1,599
Fairhaven Concord 868 GEICO 917 Hanover 1,164
Fall River Concord 1,136 GEICO 1,142 Liberty Mutual 1,384
Falmouth GEICO 789 AIG 980 Hanover 984
Fitchburg GEICO 917 Liberty Mutual 1,047 Hanover 1,164
Foxborough GEICO 789 AIG 980 Hanover 984
Framingham Concord 928 GEICO 946 Liberty Mutual 1,160
Franklin GEICO 691 Hanover 895 AIG 897
Gardner GEICO 789 Liberty Mutual 943 AIG 980
Gloucester GEICO 855 Concord 928 AIG 1,061
Grafton GEICO 789 AIG 980 Hanover 984
Greenfield GEICO 789 State Farm 948 Liberty Mutual 960
Groton GEICO 659 Plymouth Rock 770 AIG 828
Hanover GEICO 825 Concord 868 Hanover 1,029
Hanson GEICO 855 Concord 928 AIG 1,061
Harwich GEICO 691 Hanover 895 AIG 897
Haverhill Concord 868 GEICO 960 Hanover 1,204
Hingham GEICO 825 Concord 975 State Farm 1,024
Holbrook Concord 1,055 GEICO 1,084 Hanover 1,213
Holden GEICO 789 Plymouth Rock 929 State Farm 980
Holliston GEICO 776 Plymouth Rock 929 AIG 948
Holyoke Concord 1,096 GEICO 1,165 Liberty Mutual 1,174
Hopkinton GEICO 659 AIG 828 Ameriprise 855
Hudson GEICO 789 Concord 928 State Farm 980
Hull GEICO 946 Concord 975 Hanover 1,199
Ipswich GEICO 776 Concord 928 AIG 948
Kingston GEICO 825 Concord 868 Liberty Mutual 1,005
Lakeville GEICO 855 Concord 928 Liberty Mutual 1,052
Lawrence Concord 868 GEICO 1,219 Hanover 1,291
Leicester GEICO 917 Liberty Mutual 1,043 Tower Group 1,146
Leominster GEICO 855 Liberty Mutual 993 AIG 1,061
Lexington GEICO 776 Concord 928 AIG 948
Longmeadow GEICO 825 Hanover 1,029 AIG 1,037
Ludlow GEICO 917 Concord 928 State Farm 1,106
Lunenburg GEICO 691 Hanover 895 AIG 897
Lynn Concord 868 GEICO 1,425 Liberty Mutual 1,607
Lynnfield Concord 868 GEICO 917 Hanover 1,164
Malden GEICO 1,296 Hanover 1,599 State Farm 1,613
Mansfield GEICO 789 Concord 975 AIG 980
Marblehead GEICO 825 Concord 868 Hanover 1,029
Marlborough GEICO 855 Concord 928 Liberty Mutual 1,013
Marshfield Concord 868 GEICO 917 Plymouth Rock 1,126
Mashpee GEICO 855 Concord 1,009 AIG 1,061
Maynard GEICO 659 AIG 828 Ameriprise 855
Medfield GEICO 659 AIG 828 Ameriprise 855
Medford GEICO 1,074 Liberty Mutual 1,315 Hanover 1,370
Medway GEICO 659 AIG 828 Ameriprise 855
Melrose GEICO 862 Concord 1,096 Hanover 1,112
Methuen Concord 868 GEICO 1,000 Liberty Mutual 1,135
Middleborough GEICO 862 Concord 868 Hanover 1,112
Milford GEICO 855 Liberty Mutual 1,024 AIG 1,061
Millbury GEICO 825 Hanover 1,029 AIG 1,037
Milton Concord 1,055 GEICO 1,084 Hanover 1,213
Nantucket GEICO 659 Liberty Mutual 747 AIG 828
Natick GEICO 789 AIG 980 Hanover 984
Needham GEICO 776 Concord 868 State Farm 948
New Bedford GEICO 1,227 Concord 1,233 Hanover 1,425
Newburyport GEICO 691 Hanover 895 AIG 897
Newton GEICO 862 Concord 1,096 State Farm 1,106
Norfolk GEICO 691 Hanover 895 AIG 897
Northampton GEICO 789 Liberty Mutual 956 AIG 980
Northborough GEICO 659 AIG 828 Ameriprise 855
Northbridge GEICO 789 AIG 980 Hanover 984
Norton GEICO 855 Concord 868 AIG 1,061
Norwell GEICO 789 Concord 975 AIG 980
Norwood Liberty Mutual 876 GEICO 917 Concord 1,009
Oxford GEICO 855 Plymouth Rock 994 AIG 1,061
Palmer GEICO 825 Hanover 1,029 AIG 1,037
Peabody Concord 868 GEICO 1,000 Liberty Mutual 1,028
Pembroke GEICO 862 Liberty Mutual 907 Plymouth Rock 1,089
Pepperell GEICO 659 AIG 828 Ameriprise 855
Pittsfield Liberty Mutual 635 GEICO 825 Hanover 1,029
Plymouth Concord 868 GEICO 917 Hanover 1,164
Quincy Concord 928 GEICO 1,074 Hanover 1,370
Randolph Concord 1,009 Liberty Mutual 1,253 GEICO 1,296
Raynham GEICO 862 Concord 928 Hanover 1,112
Reading GEICO 789 AIG 980 Hanover 984
Rehoboth GEICO 825 State Farm 1,024 Hanover 1,029
Revere Liberty Mutual 824 Concord 975 GEICO 1,441
Rockland Concord 928 GEICO 946 Liberty Mutual 1,164
Salem Concord 928 Liberty Mutual 978 GEICO 1,155
Sandwich GEICO 789 AIG 980 Hanover 984
Saugus Liberty Mutual 827 Concord 1,009 GEICO 1,155
Scituate GEICO 862 Hanover 1,112 AIG 1,135
Seekonk GEICO 825 State Farm 1,024 Hanover 1,029
Sharon GEICO 862 Concord 868 Liberty Mutual 958
Shrewsbury GEICO 855 AIG 1,061 Hanover 1,072
Somerset GEICO 862 Concord 1,055 State Farm 1,106
Somerville Concord 928 GEICO 1,054 Hanover 1,370
South Hadley GEICO 825 Concord 928 Liberty Mutual 944
Southbridge GEICO 862 Liberty Mutual 1,063 Hanover 1,112
Spencer GEICO 862 State Farm 1,106 Hanover 1,112
Stoneham GEICO 960 Hanover 1,204 AIG 1,208
Stoughton Concord 975 Liberty Mutual 1,017 GEICO 1,155
Sudbury GEICO 659 AIG 828 State Farm 836
Swampscott GEICO 946 Concord 1,009 Hanover 1,199
Swansea GEICO 855 Concord 1,055 AIG 1,061
Taunton Liberty Mutual 877 Concord 1,009 GEICO 1,059
Tewksbury GEICO 855 Liberty Mutual 876 AIG 1,061
Tyngsborough GEICO 789 Liberty Mutual 855 AIG 980
Uxbridge GEICO 659 AIG 828 Ameriprise 855
Wakefield GEICO 862 State Farm 1,106 Hanover 1,112
Walpole GEICO 825 Concord 975 Hanover 1,029
Waltham GEICO 917 Liberty Mutual 958 Hanover 1,164
Wareham Concord 868 Liberty Mutual 928 GEICO 960
Watertown GEICO 917 Hanover 1,164 State Farm 1,168
Wayland GEICO 776 AIG 948 Ameriprise 976
Webster GEICO 917 Liberty Mutual 1,069 Hanover 1,164
Wellesley GEICO 691 Liberty Mutual 862 Hanover 895
West Springfield GEICO 1,000 Liberty Mutual 1,115 Hanover 1,201
Westborough GEICO 776 AIG 948 Ameriprise 976
Westfield GEICO 862 Liberty Mutual 986 Hanover 1,112
Westford GEICO 659 Plymouth Rock 770 AIG 828
Weston GEICO 789 State Farm 980 AIG 980
Westport GEICO 855 AIG 1,061 State Farm 1,069
Westwood GEICO 825 Concord 1,009 Hanover 1,029
Weymouth Liberty Mutual 868 Concord 975 GEICO 1,059
Whitman GEICO 960 Concord 1,009 Liberty Mutual 1,105
Wilbraham GEICO 855 Concord 1,009 AIG 1,061
Wilmington GEICO 825 Concord 928 Liberty Mutual 936
Winchendon GEICO 789 Plymouth Rock 929 State Farm 980
Winchester GEICO 789 Liberty Mutual 906 AIG 980
Winthrop Concord 975 Liberty Mutual 1,200 GEICO 1,227
Woburn GEICO 917 Hanover 1,164 AIG 1,170
Wrentham GEICO 776 AIG 948 Concord 975
Yarmouth GEICO 825 Hanover 1,029 AIG 1,037

Boston, MA

The capital and the largest city in Massachusetts, Boston has a storied past and lays claim to a number of superlatives in the nation. History can be revisited at the Boston Harbor, site of the Tea Party, or along any number of buildings and institutes that dot the Freedom Trail. The nation’s longest road begins in Boston: it’s the U.S. 20, a highway that stretches 3,277 miles towards Newport, OR. Drivers commuting in the Ted Williams Tunnel are driving in the deepest tunnel in America.

The average auto insurance cost in Boston is $1,933 a year, which is 43% higher compared to the commonwealth average. This ranks the city as the 8th most expensive in the Bay State. Costs tend to be high in Boston due to a combination of factors, including its higher than average population and population density, as well as crime rate. It is the largest city in the state, has the fourth highest population density, and a citywide crime rate that is three times the state average.

For cheap car insurance in Boston, Green Mountain (Concord Insurance), GEICO, and Citizens (The Hanover Insurance Group) have the lowest overall rates. The average cost at these three companies for the civilian driver is $1,303, which is a 33% decrease compared to what the typical insurer charges in Boston. USAA ranked as the 3rd cheapest company for military families, with State Farm rounding out the top five most affordable companies in Boston. A married couple in their late 20s driving two cars in Boston could see rates as low as $835 at Green Mountain and $1,030 at GEICO, even with an at-fault accident and a speeding ticket on their records. A single civilian driver who has been licensed for fourteen years can see the lowest quotes at Green Mountain, GEICO, and Farm Family.

This chart ranks the top five auto insurance providers in Boston with the cheapest rates 

This figure factors in ten neighborhoods in the city from Hyde Park in the south up to Charleston in the north. Quotes ranged from a low of $1,581 in the West Roxbury to $2,350 in Roxbury. Boston ranked as the 8th most expensive city in Massachusetts, but three of its neighborhoods (Roxbury, Dorchester, and Charlestown) would have qualified as the three most expensive in the Commonwealth if considered on a standalone basis. While there are some variations in the rankings of the cheapest companies by neighborhood, in general, we see Green Mountain (Concord Insurance) holding steady at #1, and the other four companies (GEICO, Citizens, USAA, and State Farm) exchanging places, with several appearances from Liberty Mutual here and there. Here's how the average annual premiums differ by neighborhood within the city of Boston:

Boston Neighborhood Average Annual Premium
Boston Central $1,693
Brighton 1,691
Dorchester 2,296
East Boston / Charlestown 2,155
Hyde Park 1,985
Jamaica Plain 1,912
Roslindale 1,852
Roxbury 2,350
South Boston 1,812
West Roxbury 1,581

Worcester, MA

Worcester is home to 181,000 residents, which ranks it the second largest city in Massachusetts. It has been home to several notable people and advancements in the sciences, including the first American Nobel Prize winner, the first birth control pill, and the first federally-licensed HIV test. It costs on average $1,179 a year to insure an automobile in Worcester, which makes it 31% costlier than other cities in the state.

Which companies have the best car insurance rates in Worcester? Liberty Mutual, GEICO, and Citizens (The Hanover Insurance Group) had the lowest costs here. Collectively, the three insurers averaged a premium of $1,179, which is 33% cheaper than the citywide average of $1,764. Plymouth Rock and USAA (military insureds-only) complete the top five most affordable insurers. Here, a young married couple in their late 20s could see annual premiums as low as $1,067 for two cars from Liberty Mutual, GEICO, and Citizens, which come out to a 38% savings compared to the market average for this couple. Rates at these same companies average $1,284 for a couple just a decade older driving two vehicles, and are 45% lower versus the Worcester average.

This graph shows the average annual cost of auto insurance at the five cheapest companies in Worcester, MA

Springfield, MA

A number of automobile advancements were innovated in Springfield. These include the first horseless vehicle, the first prototype car invented by Thomas Blanchard to be powered by steam; the first car to run on gas, created by the Duryea Brothers; and the first successful motorcycle company, the Indian Motocycle Manufacturing Company. Basketball fans also have much to celebrate about Springfield – it’s here that the first game of basketball was played in 1891, and the sport’s Hall of Fame is located.

Green Mountain (Concord Insurance), Liberty Mutual, and GEICO are the three cheapest companies for car insurance in Springfield, MA. $1,065 is the average of the annual premiums from these providers, which is a 45% or $877 decrease from the $1,942 that the typical insurer charges in Springfield. If you’re a family of parents in the late 30s and a new teenage driver sharing two cars, you can be looking at annual premiums averaging $4,107 a year in Springfield. Your best bets are to include quotes from Liberty Mutual, Green Mountain / Concord Insurance, USAA (military families only), Citizens, or Encompass in your comparison shopping – these companies rates average a more affordable $2,549, which is 38% less than what the typical company is charging in Springfield.

This graph shows which insurers in Springfield have the lowest cost auto insurance, and compares them against the city average

Lowell, MA

With 109,000 residents, Lowell is Massachusett’s fourth most populous city. Measuring 15 square miles in size, the city is located at the confluence of two rivers, the Merrimack and the Concord. It is attributed as the first planned industrial city in America, and was the first to use telephone numbers after Alexander Graham Bell patented the device. It costs $1,693 on average in Lowell to insure a vehicle.

For low-cost car insurance in Lowell, we recommend adding Green Mountain (Concord Insurance), GEICO, and Liberty Mutual to your list of companies to get quotes from.  Their insurance premiums averaged $1,123 a year, or 34% lower than the city average. A married couple in their late thirties can see insurance costs of about $2,228 a year for a 2008 Honda Civic and a 2005 Ford Taurus, but can see quotes that are 37% lower on average at these five companies: GEICO, Green Mountain (Concord Insurance), Liberty, Citizens (The Hanover Insurance Group), and Safeco. 

This chart shows which companies in Lowell, MA have the most affordable auto insurance costs

Cambridge, MA

Located just three miles from Boston’s city center, Cambridge is 12 minutes away by car on a good day without traffic on the road. Harvard University and the Massachusetts Institute of Technology are located here, and are two of the city’s largest employers. Liability protection for vehicles can run around $1,523 a year, which makes the city 13% more expensive than the average spot in the commonwealth. Young adults fresh out of college and licensed for six years can pay about $666 a year for car insurance with low liability limits ($20,000 per person / $40,000 per accident for bodily).

Drivers looking for cheap insurance in Cambridge should include GEICO, USAA, and Liberty Mutual, which had the three lowest quotes in our comparison analysis. The mean annual premium from these companies is $1,092 – that’s a 28% discount to the city average, and $431 more in consumers’ pockets per year. USAA only covers military personnel and their families, however. Citizens (The Hanover Insurance Group) and State Farm are two additional affordable providers in the city. In aggregate, these five companies have a mean cost of $1,142, which is still 25% less than the Cambridge average.

This graph ranks the lowest cost auto insurance providers in Cambridge based on their annual premiums 

New Bedford, MA

The fishing port of New Bedford inspired Herman Melville to write his classic, Moby Dick. It is home to the Whaling National Historical Park, as well as other notables such as Frederick Douglass’s first free home. Auto insurance in New Bedford costs on average $1,759 a year, which makes it the 13th most expensive in the commonwealth.

GEICO, Green Mountain / Concord Insurance, and Citizens / The Hanover ranked as the three cheapest car insurance providers in New Bedford. Their average cost of $1,295 was 26% cheaper than what the typical provider charged in the city. If you also factor in State Farm and USAA (military only), the top five most affordable companies charge an average $1,334 per year, which is still 24% cheaper than the typical insurer. A married couple in their late 20s can see average rates of $1,715 when buying moderate levels of protection for their two cars, and that’s assuming an at-fault accident and a recent traffic violation. The five cheapest companies for these drivers largely mirror the citywide average: GEICO, Green Mountain, State Farm, Citizens, and Esurance. Getting quotes from these providers could save the young couple $527 a year, or 31% compared to the $1,715 average figure. 

This graph displays the top five companies in New Bedford, MA, with the lowest auto insurance costs

Brockton, MA

With 94,000 residents across land measuring 22 acres in size, Brockton is the most densely populated city in Plymouth County. It ranks as the most expensive city in the Bay State based on auto insurance costs. Drivers in this city pay $2,125 a year to insure their car for liability protection, which is 58% higher than the Commonwealth’s average.

To find cheap auto insurance in Brockton, we suggest getting quotes from Green Mountain / Concord Insurance, USAA (military only), GEICO, State Farm, and Liberty Mutual. In our analysis, these five companies had the lowest rates for our sample drivers of $1,484 a year, which were 30% less than the average going rate in the city. A single driver in his or her early 30s can see annual rates of $866 for low limits of 20/40/25 for bodily injury and property damage protection. They’re even lower at Green Mountain, USAA, Farm Family, State Farm, and AIG, which quoted average premiums for this demographic that were 48% lower. 

This graph ranks the five most affordable insurance companies in Brockton for car insurance based on their annual premiums

Quincy, MA

John Adams and John Quincy Adams were born here, which gave rise to Quincy’s nickname as the City of Presidents. It’s easy to get around in Quincy. A number of parkways run through the city including the U.S. Route 1, Thomas E. Burgin Parkway, and Massachusetts Route 3. The average cost of insurance here for drivers is $1,645 a year, about 22% higher than elsewhere in the Bay State.

Which companies have the best car insurance rates in Quincy? Green Mountain / Concord Insurance, GEICO, and Citizens / The Hanover had the three lowest rates in the city. While USAA actually had the second best ones, the company only insures members of the armed forces and their families. Along with State Farm, the average across the five companies is $1,193 a year, which represents savings of 28% compared to the Quincy average. A senior couple in their late 60s can see average costs of $655 in Quincy at the $100,000 level of bodily injury protection. The companies with the lowest costs for these older drivers in Quincy are Green Mountain, GEICO, USAA, Farm Family, and State Farm (average premiums of $364 for a 44% decrease vs. city average).

This graph answers the question of which companies have the lowest auto insurance premiums in Quincy, MA.

Lynn, MA

Located about ten miles from Boston in Essex County is Lynn, a city of 90,000 residents. It is the site of the second largest municipal park in the nation, and the fourth most expensive city for car insurance in Massachusetts. Drivers here shell out $2,031 to cover their cars for insurance a year, 50% costlier than the average city in the Bay State.

The three companies with the most affordable auto insurance costs in Lynn are Green Mountain (Concord Insurance), GEICO, and Liberty Mutual. The mean premium is $1,300 a year, which is 36% lower than what typically gets charged in the city. If you’re an active duty or retired military personnel, or a relative of one, you should also consider quotes from USAA, which ranked with the third best overall rate. Citizens, an affiliate of The Hanover Insurance Group, round out the top five cheapest companies in Lynn. Average rates for a young married couple in Lynn run about $2,012 a year, but are $1,129 at the three cheapest companies of Green Mountain, GEICO, and State Farm (that’s $884 or 44% less).

This graph shows the five providers in Lynn, MA with the lowest annual premiums for car insurance

Fall River, MA

Fall River ranks as the tenth most populous city in Massachusetts with 89,000 residents. Emeril Lagasse, a celebrity chef, and George Stephanopoulos, the Good Morning America co-host, have all lived in this city in Bristol County. It costs 30% more to insure a car here in Fall River compared to other cities in the Bay State (annual average of $1,753).

We saw the lowest quotes for car insurance in Fall River at Green Mountain / Concord Insurance, GEICO, and Liberty Mutual for the civilian driver. These providers charged an average of $1,221 a year, which was a discount of 27% compared to the city average. While USAA did rank with the third best rates, they only insure active and retired military servicemen and their relatives. 

This graph displays the costs and names of the five cheapest companies for car insurance in Fall River, MA

Revere, MA

Named after the Revolutionary War patriot Paul Revere, this city is also home to one of the oldest continuous public beaches. Annual premiums for auto insurance here are $2,107, or 56% above the overall state average. This ranks Revere as the 3rd most expensive out of the 170+ cities we looked at in MA.

The top three inexpensive auto insurance companies in Revere are Liberty Mutual, Green Mountain, and GEICO. We found really cheap rates at these companies on average of $1,080 – almost half of what the typical insurer was charging citywide. That equates to savings of $1,027, or 49%. 

This graph displays the annual premiums for the five lowest cost car insurers in Revere, MA

Everett, MA

Rounding out our top five most expensive cities in Massachusetts is Everett with annual costs of $1,964. It has hosted and been the setting for shows and movies such as 2013’s Boston’s Finest and 2007’s Gone Baby Gone. 

While its 42,000 residents pay rates that are on average 46% higher than the typical Bay State driver, there is opportunity to save with some comparison shopping. We found the cheapest quotes for auto insurance in Everett at Green Mountain, GEICO, and Citizens / The Hanover. While USAA did rank with the third lowest rates, it is only applicable to military personnel and their relatives. State Farm completed the top five cheapest providers. Rates at these five companies averaged $1,432, which is 27% less expensive than the citywide average.

This graph ranks the five cheapest companies in Everett based on their annual premiums for car insurance.

Chelsea, MA

With an average cost of $2,117, Chelsea is the second most expensive city for auto insurance. This is due in part to its proximity just four miles away from Central Boston, its population density (Chelsea is the second densest city), and one of the highest per capita rate of violate crime in the Commonwealth. 

Costs here may be 57% higher than the rest of the commonwealth, but getting quotes from Green Mountain / Concord Insurance, GEICO, USAA, Citizens / The Hanover, and State Farm could save drivers money on car insurance. That’s because these insurers had the five lowest rates, which averaged $1,455 a year and were 31% lower than the Chelsea average.

This graph shows the mean annual premiums for the five companies in Chelsea with the cheapest car insurance

Westford, MA

The average cost of car insurance in Westford is $1,036 a year, 23% below the state average. This rate ranks this town of 22,000 residents as the third cheapest city in Middlesex County in our study, and the fourth cheapest statewide.

We found the best rates for car insurance in Westford to be at GEICO, USAA (military only), Plymouth Rock, AIG Property Casualty Company, and State Farm. A quote from these companies, which averaged $770 a year, can mean paying an insurance premium that’s 26% lower than what insurers are generally charging in Westford. 

This graph shows which car insurance companies in Westford, MA, have the lowest costs

Concord, MA

The town of Concord has witnessed a number of significant events, from the first shot “heard round the world” at the start of the Revolutionary War to the creation of the Concord grape. Drivers looking to insure their vehicles here can see rates on average of $1,029 a year. These rates are 24% lower than the state average, and the third cheapest in Massachusetts.

Drivers in Concord searching for the lowest rates should consider getting quotes from GEICO, USAA (military only), AIG Property Casualty Company, and Plymouth Rock. That’s because these companies ranked with the five lowest annual premiums, averaging $786 a year. This amount is $242 or 24% cheaper than what the average insurer charges in Concord.

This graph shows which five companies in Concord, MA have the best auto insurance rates

Sudbury, MA

Second on our list of the cheapest cities for car insurance is Sudbury, MA, which was recently named the safest town in Massachusetts to live in by GetLocalMA due to its low crime rate. Annual premiums here are just a few dollars more expensive than Nantucket, the cheapest city, at $1,026. At this level, rates are about 24% lower than the commonwealth average.

Looking to save even more on car insurance in Sudbury? We’d recommend looking into quotes at GEICO, AIG Property Casualty, and State Farm, which had the three lowest rates for civilian drivers. The annual premium came out to $774 on average from these three companies, which was 25% lower than the citywide mean.

This graph shows which companies in Sudbury have the lowest rates for auto insurance

Nantucket, MA

Coming in at 1st place as the Best City for Auto Insurance in Massachusetts is Nantucket, a nationally designated historic seaport town located about forty miles off the coast of Massachusetts. This town of 10,200 had the lowest rates in our study of $1,015, which was 25% less than the state average.

For the cheapest of the cheapest, we recommend that general drivers request quotes from GEICO, Liberty Mutual, and AIG Property Casualty Company. Doing so could knock off 27% from the citywide average with an average annual premium of $744 a year. Drivers enlisted or previously affiliated with the military should throw USAA – which actually had the third lowest rates – into the mix. State Farm ranked with the fifth lowest rates in Nantucket.

This chart ranks car insurance providers in Nantucket, MA, based on who has the lowest average annual premiums

Pepperell, MA

The town of Pepperell rounds out our list of the five best cities in Massachusetts for auto insurance. The 11,500 residents here pay on average annual premiums of $1,039 to cover their automobiles, which is 23% lower than the state average.

In Pepperell, GEICO, USAA (military only), AIG Property Casualty Company, Ameriprise, and Liberty Mutual were the five cheapest companies for auto insurance. They had a rate on average of $797, which shaves $243 off the citywide average for savings of 23%. 

This graph shows the companies in Pepperell with the cheapest average annual premiums for car insurance

Best Auto Insurance Companies in Massachusetts

The five best companies for auto insurance in Massachusetts are Arbella, State Farm, Preferred Mutual, Vermont Mutual, and Travelers. We answered this question based on a measure of customer satisfaction called the complaint index. The complaint index measures a company's share of complaints received compared to its share of the market. For example, the Arbella Insurance Company writes about 9% of the private passenger automobile premiums in Massachusetts, but got a smaller share (5%) of complaints filed with the Division of Insurance. This results in a complaint index of 0.6, which is better than average (1.0). 

Commerce Insurance Company, Liberty Mutual, and Safety Insurance are the three largest auto insurance companies in Massachusetts based on insurance premiums underwritten. Of these three, Commerce and Safety had better than average customer satisfaction, while Liberty Mutual hovered just around the average. 

Here are the complaint index numbers for the biggest insurers in Massachusetts (lower complaint index number is better; 1 is average): 

Rank Auto Insurance Company # Complaints Complaint Index
1 Arbella Insurance Company 21 0.60
2 State Farm Insurance Company 1 0.61
3 Preferred Mutual Insurance Company 1 0.71
4 Vermont Mutual Insurance Company 3 0.74
5 Travelers Insurance Company 12 0.81
6 Safety Insurance Company 37 0.84
7 USAA Insurance Company 8 0.85
8 Main Street American Insurance Company 4 0.85
9 Commerce Insurance Company 95 0.87
10 Plymouth Rock Insurance Company 21 0.89
11 The Hanover Insurance Group 11 0.89
12 Metropolitan Insurance Company 17 0.92
13 Electric Insurance Company 1 0.96
14 Liberty Mutual Insurance Company 53 1.04
15 Norfolk & Dedham Insurance Company 5 1.08
16 Amica Mutual Insurance Company 17 1.23
17 Tower Group Insurance Company 5 1.36
18 Ameriprise Insurance Company 1 1.39
19 Progressive Insurance Company 23 1.90
20 Farm Family Insurance Company 1 1.92
21 Occidental Insurance Company 5 1.92
22 Encompass Insurance Company 7 1.94
23 Allstate Insurance Company 8 2.53
24 GEICO Insurance Company 36 2.62
25 Pilgrim Insurance Company 6 4.41

Average Cost of Car Insurance in MA: by City

It costs on average $1,350 per year for car insurance in Massachusetts. This graph belows shows how the costs vary across the 170+ places that we looked at. We've highlighted the cheapest three in green, and the most expensive in red. The cheapest cities in the Bay State tend to have several factors in common. They're located within the Metrowest and Merrimack Valley region in Middlesex and Norfolk counties. These locations are generally home to smaller populations (less than 30,000) and have lower population density. The most expensive cities in Massachusetts tend to be larger and more densely populated cities with higher than average crime rates. For the most part, they’re clustered near the Boston metro area and enveloped between the I-95 / Yankee Division Highway, and the shore. Here they are, from Abington to Yarmouth:

This graph shows what the average annual cost of auto insurance is in the 170+ cities in the Bay State.

Methodology

We analyzed data from the Division of Insurance in Massachusetts for 179 cities that covered a breadth of locations ranging from just above 10,000 people in size to Boston's 600,000 residents. Included in the study were sample annual premiums from 35 companies, from ACE to Vermont Mutual. Seven kinds of driver situations were represented, including single adults of various years of driving experience, three married couples, and a married couple with a teenaged driver. Rates were pulled for policies covering the minimum liability limits per Massachusetts law up to 100/300/100 for married couples. 

Driver (years of license) Bodily Injury, Uninsured, Underinsured Property Damage Personal Injury Optional
Single, 6 $20,000/$40,000 $25,000 $8,000 N/A
Single, 14 20,000/40,000 25,000 8,000 N/A
Single, 20 100,000/300,000 100,000 8,000 500 deductible for collision & comprehensive, $30pd/$900 transportation
Married, 50 & 52 100,000/300,000 100,000 8,000 500 deductible for collision & comprehensive, $30pd/$900 transportation
Married, two cars, 12 & 14 35,000/80,000 50,000 8,000 500 deductible for comprehensive
Married, two cars, 22 & 24 100,000/300,000 100,000 8,000 500 deductible for collision & comprehensive, $30pd/$900 transportation
Married, teenager, two cars, 1, 22 & 24 100,000/300,000 100,000 8,000 500 deductible for collision & comprehensive, $30pd/$900 transportation