FIND THE CHEAPEST INSURANCE IN YOUR AREA
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ValuePenguin reviewed auto insurance rates in the Bay State to help its 4.7 million drivers find the best car insurance rates and companies in Massachusetts. We analyzed premiums for 7 different driver profiles from 35 insurers and across 179 cities, and looked at consumers’ complaints to determine who the cheapest and best insurers were in Massachusetts.

Based on survey data, the average cost of car insurance in Massachusetts is $1,350, with annual premiums ranging from $1,015 at the low end in Nantucket to $2,350 at the high end in Brockton – a variance of 132%. Average costs can also range from $889 per year at the cheapest company to $2,210 at the higher end depending on which company drivers picked to insure their vehicles. That’s why it’s always important for consumers to get quotes from several insurers to make sure they’re getting good rates. Not doing so could cost drivers an extra $1,321 each year. Read more about the lowest cost or best rated companies 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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Cheap Car Insurance Companies in Massachusetts

Which companies have the cheapest insurance rates in Massachusetts? 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. 

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. Start by entering your zip code below for a list of companies to shop for great rates at.

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

Find The Cheapest Auto Insurance In Your Area
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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.

Rank Company Average Annual Premium
Massachusetts Average $1,350
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

Cheap Car Insurance in MA: by City

One of the most important factors companies consider when coming up with a quote is where you live and park your car. Insurers have different experiences with accident claims in each location, and price premiums accordingly. In this section, we take a look at which companies are the cheapest in general 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 below to be applicable to the greatest number of drivers. Next, we’ll go into more specifics about the best auto insurance rates for different types of drivers in ten of the largest cities in Massachusetts, and the most expensive and the cheapest cites as well.

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

If we haven't covered your city above, this next table displays who the top three cheapest companies for auto insurance are in 170+ cities in the commonwealth of Massachusetts.

City Cheap Auto Insurance Companies Average Annual Premium
Abington Green Mountain / Concord Insurance $928
GEICO 960
Citizens / The Hanover Insurance 1,204
Abington Average 1,455
Acton GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Acton Average 1,059
Acushnet Green Mountain / Concord Insurance 868
GEICO 917
Citizens / The Hanover Insurance 1,164
Acushnet Average 1,385
Agawam GEICO 917
Green Mountain / Concord Insurance 928
Citizens / The Hanover Insurance 1,164
Agawam Average 1,392
Amesbury GEICO 776
Green Mountain / Concord Insurance 868
Plymouth Rock 929
Amesbury Average 1,144
Amherst GEICO 855
Green Mountain / Concord Insurance 868
Liberty Mutual 1,028
Amherst Average 1,263
Andover GEICO 789
Green Mountain / Concord Insurance 868
State Farm 980
Andover Average 1,191
Arlington GEICO 825
State Farm 1,024
Citizens / The Hanover Insurance 1,029
Arlington Average 1,250
Ashland GEICO 855
AIG Property Casualty Company 1,061
Citizens / The Hanover Insurance 1,072
Ashland Average 1,310
Athol GEICO 789
Liberty Mutual 929
AIG Property Casualty Company 980
Athol Average 1,210
Attleboro GEICO 855
AIG Property Casualty Company 1,061
Citizens / The Hanover Insurance 1,072
Attleboro Average 1,294
Auburn GEICO 862
Liberty Mutual 1,088
State Farm 1,106
Auburn Average 1,340
Barnstable GEICO 855
Green Mountain / Concord Insurance 868
AIG Property Casualty Company 1,061
Barnstable Average 1,283
Bedford GEICO 776
AIG Property Casualty Company 948
Ameriprise 976
Bedford Average 1,185
Belchertown GEICO 789
Plymouth Rock 929
State Farm 980
Belchertown Average 1,190
Bellingham GEICO 789
Green Mountain / Concord Insurance 975
AIG Property Casualty Company 980
Bellingham Average 1,192
Belmont GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Belmont Average 1,211
Beverly GEICO 855
Green Mountain / Concord Insurance 928
AIG Property Casualty Company 1,061
Beverly Average 1,281
Billerica GEICO 855
AIG Property Casualty Company 1,061
Citizens / The Hanover Insurance 1,072
Billerica Average 1,316
Boston Green Mountain / Concord Insurance 954
GEICO 1,315
Citizens / The Hanover Insurance 1,506
Boston Average 1,933
Bourne GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Bourne Average 1,259
Braintree GEICO 960
Green Mountain / Concord Insurance 975
Liberty Mutual 1,176
Braintree Average 1,456
Bridgewater GEICO 862
Green Mountain / Concord Insurance 975
Plymouth Rock 1,089
Bridgewater Average 1,346
Brockton Green Mountain / Concord Insurance 928
GEICO 1,595
State Farm 1,631
Brockton Average 2,125
Brookline GEICO 889
Green Mountain / Concord Insurance 1,009
Liberty Mutual 1,155
Brookline Average 1,440
Burlington GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Burlington Average 1,270
Cambridge GEICO 947
Liberty Mutual 1,180
Citizens / The Hanover Insurance 1,213
Cambridge Average 1,523
Canton GEICO 960
Green Mountain / Concord Insurance 1,009
Citizens / The Hanover Insurance 1,204
Canton Average 1,432
Carver Green Mountain / Concord Insurance 868
GEICO 917
Citizens / The Hanover Insurance 1,164
Carver Average 1,384
Charlton GEICO 825
Plymouth Rock 994
Citizens / The Hanover Insurance 1,029
Charlton Average 1,247
Chelmsford GEICO 776
State Farm 948
AIG Property Casualty Company 948
Chelmsford Average 1,154
Chelsea Green Mountain / Concord Insurance 868
GEICO 1,479
Citizens / The Hanover Insurance 1,677
Chelsea Average 2,117
Chicopee Green Mountain / Concord Insurance 928
GEICO 1,059
Liberty Mutual 1,190
Chicopee Average 1,504
Clinton GEICO 862
Liberty Mutual 1,063
State Farm 1,106
Clinton Average 1,340
Concord GEICO 659
AIG Property Casualty Company 828
State Farm 836
Concord Average 1,029
Danvers GEICO 855
Green Mountain / Concord Insurance 868
Liberty Mutual 1,044
Danvers Average 1,283
Dartmouth GEICO 917
Citizens / The Hanover Insurance 1,164
State Farm 1,168
Dartmouth Average 1,395
Dedham GEICO 960
Green Mountain / Concord Insurance 1,096
Citizens / The Hanover Insurance 1,204
Dedham Average 1,455
Dennis GEICO 789
Safety 925
State Farm 980
Dennis Average 1,185
Dracut GEICO 862
Liberty Mutual 1,070
Citizens / The Hanover Insurance 1,112
Dracut Average 1,364
Dudley GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Dudley Average 1,207
Duxbury GEICO 789
Green Mountain / Concord Insurance 868
AIG Property Casualty Company 980
Duxbury Average 1,204
Easthampton GEICO 789
Green Mountain / Concord Insurance 868
AIG Property Casualty Company 980
Easthampton Average 1,189
Easton GEICO 917
Citizens / The Hanover Insurance 1,164
AIG Property Casualty Company 1,170
Easton Average 1,413
Everett Green Mountain / Concord Insurance 1,240
GEICO 1,296
Citizens / The Hanover Insurance 1,599
Everett Average 1,964
Fairhaven Green Mountain / Concord Insurance 868
GEICO 917
Citizens / The Hanover Insurance 1,164
Fairhaven Average 1,392
Fall River Green Mountain / Concord Insurance 1,136
GEICO 1,142
Liberty Mutual 1,384
Fall River Average 1,753
Falmouth GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Falmouth Average 1,208
Fitchburg GEICO 917
Liberty Mutual 1,047
Citizens / The Hanover Insurance 1,164
Fitchburg Average 1,411
Foxborough GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Foxborough Average 1,202
Framingham Green Mountain / Concord Insurance 928
GEICO 946
Liberty Mutual 1,160
Framingham Average 1,486
Franklin GEICO 691
Citizens / The Hanover Insurance 895
AIG Property Casualty Company 897
Franklin Average 1,097
Gardner GEICO 789
Liberty Mutual 943
AIG Property Casualty Company 980
Gardner Average 1,196
Gloucester GEICO 855
Green Mountain / Concord Insurance 928
AIG Property Casualty Company 1,061
Gloucester Average 1,275
Grafton GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Grafton Average 1,216
Greenfield GEICO 789
State Farm 948
Liberty Mutual 960
Greenfield Average 1,168
Groton GEICO 659
Plymouth Rock 770
AIG Property Casualty Company 828
Groton Average 1,040
Hanover GEICO 825
Green Mountain / Concord Insurance 868
Citizens / The Hanover Insurance 1,029
Hanover Average 1,262
Hanson GEICO 855
Green Mountain / Concord Insurance 928
AIG Property Casualty Company 1,061
Hanson Average 1,313
Harwich GEICO 691
Citizens / The Hanover Insurance 895
AIG Property Casualty Company 897
Harwich Average 1,091
Haverhill Green Mountain / Concord Insurance 868
GEICO 960
Citizens / The Hanover Insurance 1,204
Haverhill Average 1,433
Hingham GEICO 825
Green Mountain / Concord Insurance 975
State Farm 1,024
Hingham Average 1,253
Holbrook Green Mountain / Concord Insurance 1,055
GEICO 1,084
Citizens / The Hanover Insurance 1,213
Holbrook Average 1,551
Holden GEICO 789
Plymouth Rock 929
State Farm 980
Holden Average 1,196
Holliston GEICO 776
Plymouth Rock 929
AIG Property Casualty Company 948
Holliston Average 1,184
Holyoke Green Mountain / Concord Insurance 1,096
GEICO 1,165
Liberty Mutual 1,174
Holyoke Average 1,728
Hopkinton GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Hopkinton Average 1,062
Hudson GEICO 789
Green Mountain / Concord Insurance 928
State Farm 980
Hudson Average 1,184
Hull GEICO 946
Green Mountain / Concord Insurance 975
Citizens / The Hanover Insurance 1,199
Hull Average 1,506
Ipswich GEICO 776
Green Mountain / Concord Insurance 928
AIG Property Casualty Company 948
Ipswich Average 1,154
Kingston GEICO 825
Green Mountain / Concord Insurance 868
Liberty Mutual 1,005
Kingston Average 1,247
Lakeville GEICO 855
Green Mountain / Concord Insurance 928
Liberty Mutual 1,052
Lakeville Average 1,272
Lawrence Green Mountain / Concord Insurance 868
GEICO 1,219
Citizens / The Hanover Insurance 1,291
Lawrence Average 1,863
Leicester GEICO 917
Liberty Mutual 1,043
Tower Group 1,146
Leicester Average 1,386
Leominster GEICO 855
Liberty Mutual 993
AIG Property Casualty Company 1,061
Leominster Average 1,285
Lexington GEICO 776
Green Mountain / Concord Insurance 928
AIG Property Casualty Company 948
Lexington Average 1,167
Longmeadow GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Longmeadow Average 1,262
Lowell Green Mountain / Concord Insurance 975
GEICO 1,110
Liberty Mutual 1,285
Lowell Average 1,693
Ludlow GEICO 917
Green Mountain / Concord Insurance 928
State Farm 1,106
Ludlow Average 1,378
Lunenburg GEICO 691
Citizens / The Hanover Insurance 895
AIG Property Casualty Company 897
Lunenburg Average 1,098
Lynn Green Mountain / Concord Insurance 868
GEICO 1,425
Liberty Mutual 1,607
Lynn Average 2,031
Lynnfield Green Mountain / Concord Insurance 868
GEICO 917
Citizens / The Hanover Insurance 1,164
Lynnfield Average 1,390
Malden GEICO 1,296
Citizens / The Hanover Insurance 1,599
State Farm 1,613
Malden Average 1,956
Mansfield GEICO 789
Green Mountain / Concord Insurance 975
AIG Property Casualty Company 980
Mansfield Average 1,201
Marblehead GEICO 825
Green Mountain / Concord Insurance 868
Citizens / The Hanover Insurance 1,029
Marblehead Average 1,270
Marlborough GEICO 855
Green Mountain / Concord Insurance 928
Liberty Mutual 1,013
Marlborough Average 1,286
Marshfield Green Mountain / Concord Insurance 868
GEICO 917
Plymouth Rock 1,126
Marshfield Average 1,379
Mashpee GEICO 855
Green Mountain / Concord Insurance 1,009
AIG Property Casualty Company 1,061
Mashpee Average 1,283
Maynard GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Maynard Average 1,041
Medfield GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Medfield Average 1,040
Medford GEICO 1,074
Liberty Mutual 1,315
Citizens / The Hanover Insurance 1,370
Medford Average 1,664
Medway GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Medway Average 1,041
Melrose GEICO 862
Green Mountain / Concord Insurance 1,096
Citizens / The Hanover Insurance 1,112
Melrose Average 1,381
Methuen Green Mountain / Concord Insurance 868
GEICO 1,000
Liberty Mutual 1,135
Methuen Average 1,487
Middleborough GEICO 862
Green Mountain / Concord Insurance 868
Citizens / The Hanover Insurance 1,112
Middleborough Average 1,350
Milford GEICO 855
Liberty Mutual 1,024
AIG Property Casualty Company 1,061
Milford Average 1,286
Millbury GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Millbury Average 1,270
Milton Green Mountain / Concord Insurance 1,055
GEICO 1,084
Citizens / The Hanover Insurance 1,213
Milton Average 1,539
Nantucket GEICO 659
Liberty Mutual 747
AIG Property Casualty Company 828
Nantucket Average 1,015
Natick GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Natick Average 1,205
Needham GEICO 776
Green Mountain / Concord Insurance 868
State Farm 948
Needham Average 1,192
New Bedford GEICO 1,227
Green Mountain / Concord Insurance 1,233
Citizens / The Hanover Insurance 1,425
New Bedford Average 1,759
Newburyport GEICO 691
Citizens / The Hanover Insurance 895
AIG Property Casualty Company 897
Newburyport Average 1,095
Newton GEICO 862
Green Mountain / Concord Insurance 1,096
State Farm 1,106
Newton Average 1,354
Norfolk GEICO 691
Citizens / The Hanover Insurance 895
AIG Property Casualty Company 897
Norfolk Average 1,104
Northampton GEICO 789
Liberty Mutual 956
AIG Property Casualty Company 980
Northampton Average 1,199
Northborough GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Northborough Average 1,043
Northbridge GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Northbridge Average 1,203
Norton GEICO 855
Green Mountain / Concord Insurance 868
AIG Property Casualty Company 1,061
Norton Average 1,284
Norwell GEICO 789
Green Mountain / Concord Insurance 975
AIG Property Casualty Company 980
Norwell Average 1,215
Norwood Liberty Mutual 876
GEICO 917
Green Mountain / Concord Insurance 1,009
Norwood Average 1,406
Oxford GEICO 855
Plymouth Rock 994
AIG Property Casualty Company 1,061
Oxford Average 1,275
Palmer GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Palmer Average 1,263
Peabody Green Mountain / Concord Insurance 868
GEICO 1,000
Liberty Mutual 1,028
Peabody Average 1,507
Pembroke GEICO 862
Liberty Mutual 907
Plymouth Rock 1,089
Pembroke Average 1,351
Pepperell GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Pepperell Average 1,039
Pittsfield Liberty Mutual 635
GEICO 825
Citizens / The Hanover Insurance 1,029
Pittsfield Average 1,250
Plymouth Green Mountain / Concord Insurance 868
GEICO 917
Citizens / The Hanover Insurance 1,164
Plymouth Average 1,388
Quincy Green Mountain / Concord Insurance 928
GEICO 1,074
Citizens / The Hanover Insurance 1,370
Quincy Average 1,645
Randolph Green Mountain / Concord Insurance 1,009
Liberty Mutual 1,253
GEICO 1,296
Randolph Average 1,911
Raynham GEICO 862
Green Mountain / Concord Insurance 928
Citizens / The Hanover Insurance 1,112
Raynham Average 1,356
Reading GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Reading Average 1,210
Rehoboth GEICO 825
State Farm 1,024
Citizens / The Hanover Insurance 1,029
Rehoboth Average 1,270
Revere Liberty Mutual 824
Green Mountain / Concord Insurance 975
GEICO 1,441
Revere Average 2,107
Rockland Green Mountain / Concord Insurance 928
GEICO 946
Liberty Mutual 1,164
Rockland Average 1,504
Salem Green Mountain / Concord Insurance 928
Liberty Mutual 978
GEICO 1,155
Salem Average 1,614
Sandwich GEICO 789
AIG Property Casualty Company 980
Citizens / The Hanover Insurance 984
Sandwich Average 1,213
Saugus Liberty Mutual 827
Green Mountain / Concord Insurance 1,009
GEICO 1,155
Saugus Average 1,673
Scituate GEICO 862
Citizens / The Hanover Insurance 1,112
AIG Property Casualty Company 1,135
Scituate Average 1,368
Seekonk GEICO 825
State Farm 1,024
Citizens / The Hanover Insurance 1,029
Seekonk Average 1,255
Sharon GEICO 862
Green Mountain / Concord Insurance 868
Liberty Mutual 958
Sharon Average 1,343
Shrewsbury GEICO 855
AIG Property Casualty Company 1,061
Citizens / The Hanover Insurance 1,072
Shrewsbury Average 1,301
Somerset GEICO 862
Green Mountain / Concord Insurance 1,055
State Farm 1,106
Somerset Average 1,348
Somerville Green Mountain / Concord Insurance 928
GEICO 1,054
Citizens / The Hanover Insurance 1,370
Somerville Average 1,661
South Hadley GEICO 825
Green Mountain / Concord Insurance 928
Liberty Mutual 944
South Hadley Average 1,248
Southbridge GEICO 862
Liberty Mutual 1,063
Citizens / The Hanover Insurance 1,112
Southbridge Average 1,351
Spencer GEICO 862
State Farm 1,106
Citizens / The Hanover Insurance 1,112
Spencer Average 1,353
Springfield Green Mountain / Concord Insurance 868
Liberty Mutual 1,044
GEICO 1,284
Springfield Average 1,942
Stoneham GEICO 960
Citizens / The Hanover Insurance 1,204
AIG Property Casualty Company 1,208
Stoneham Average 1,473
Stoughton Green Mountain / Concord Insurance 975
Liberty Mutual 1,017
GEICO 1,155
Stoughton Average 1,624
Sudbury GEICO 659
AIG Property Casualty Company 828
State Farm 836
Sudbury Average 1,026
Swampscott GEICO 946
Green Mountain / Concord Insurance 1,009
Citizens / The Hanover Insurance 1,199
Swampscott Average 1,508
Swansea GEICO 855
Green Mountain / Concord Insurance 1,055
AIG Property Casualty Company 1,061
Swansea Average 1,287
Taunton Liberty Mutual 877
Green Mountain / Concord Insurance 1,009
GEICO 1,059
Taunton Average 1,500
Tewksbury GEICO 855
Liberty Mutual 876
AIG Property Casualty Company 1,061
Tewksbury Average 1,274
Tyngsborough GEICO 789
Liberty Mutual 855
AIG Property Casualty Company 980
Tyngsborough Average 1,181
Uxbridge GEICO 659
AIG Property Casualty Company 828
Ameriprise 855
Uxbridge Average 1,053
Wakefield GEICO 862
State Farm 1,106
Citizens / The Hanover Insurance 1,112
Wakefield Average 1,383
Walpole GEICO 825
Green Mountain / Concord Insurance 975
Citizens / The Hanover Insurance 1,029
Walpole Average 1,270
Waltham GEICO 917
Liberty Mutual 958
Citizens / The Hanover Insurance 1,164
Waltham Average 1,394
Wareham Green Mountain / Concord Insurance 868
Liberty Mutual 928
GEICO 960
Wareham Average 1,424
Watertown GEICO 917
Citizens / The Hanover Insurance 1,164
State Farm 1,168
Watertown Average 1,401
Wayland GEICO 776
AIG Property Casualty Company 948
Ameriprise 976
Wayland Average 1,168
Webster GEICO 917
Liberty Mutual 1,069
Citizens / The Hanover Insurance 1,164
Webster Average 1,394
Wellesley GEICO 691
Liberty Mutual 862
Citizens / The Hanover Insurance 895
Wellesley Average 1,118
West Springfield GEICO 1,000
Liberty Mutual 1,115
Citizens / The Hanover Insurance 1,201
West Springfield Average 1,527
Westborough GEICO 776
AIG Property Casualty Company 948
Ameriprise 976
Westborough Average 1,156
Westfield GEICO 862
Liberty Mutual 986
Citizens / The Hanover Insurance 1,112
Westfield Average 1,365
Westford GEICO 659
Plymouth Rock 770
AIG Property Casualty Company 828
Westford Average 1,036
Weston GEICO 789
State Farm 980
AIG Property Casualty Company 980
Weston Average 1,187
Westport GEICO 855
AIG Property Casualty Company 1,061
State Farm 1,069
Westport Average 1,293
Westwood GEICO 825
Green Mountain / Concord Insurance 1,009
Citizens / The Hanover Insurance 1,029
Westwood Average 1,307
Weymouth Liberty Mutual 868
Green Mountain / Concord Insurance 975
GEICO 1,059
Weymouth Average 1,485
Whitman GEICO 960
Green Mountain / Concord Insurance 1,009
Liberty Mutual 1,105
Whitman Average 1,448
Wilbraham GEICO 855
Green Mountain / Concord Insurance 1,009
AIG Property Casualty Company 1,061
Wilbraham Average 1,289
Wilmington GEICO 825
Green Mountain / Concord Insurance 928
Liberty Mutual 936
Wilmington Average 1,240
Winchendon GEICO 789
Plymouth Rock 929
State Farm 980
Winchendon Average 1,197
Winchester GEICO 789
Liberty Mutual 906
AIG Property Casualty Company 980
Winchester Average 1,218
Winthrop Green Mountain / Concord Insurance 975
Liberty Mutual 1,200
GEICO 1,227
Winthrop Average 1,760
Woburn GEICO 917
Citizens / The Hanover Insurance 1,164
AIG Property Casualty Company 1,170
Woburn Average 1,418
Worcester Liberty Mutual 885
GEICO 1,227
Citizens / The Hanover Insurance 1,425
Worcester Average 1,764
Wrentham GEICO 776
AIG Property Casualty Company 948
Green Mountain / Concord Insurance 975
Wrentham Average 1,210
Yarmouth GEICO 825
Citizens / The Hanover Insurance 1,029
AIG Property Casualty Company 1,037
Yarmouth Average 1,284

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
 

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