Best cheap car insurance in MA
- Want full coverage? Geico: $123/mo
- Only need minimum coverage? Geico: $48/mo
- Want the best service? Geico: $123/mo
- Have a speeding ticket? Geico: $136/mo
- Caused an accident? Plymouth Rock: $151/mo
- Need coverage for a new driver? Plymouth Rock: $120/mo
- Got a DUI? Plymouth Rock: $197/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in MA: Geico
Geico has the cheapest full coverage car insurance in Massachusetts.
- Geico charges an average of $123 per month for full coverage in Massachusetts. That's one-third cheaper than the state average.
- USAA offers even cheaper full coverage rates, at just $94 per month on average. However, USAA is mainly only available to military members, veterans and some of their family members.
Find Cheap Car Insurance Quotes in Massachusetts
Cheapest full coverage quotes in Massachusetts
Company | Monthly rate |
|---|---|
| Geico | $123 |
| Plymouth Rock | $132 |
| Safety | $154 |
| Arbella | $163 |
| USAA | $94 |
USAA is only available to current and former military members and their families.
Data-powered research on Massachusetts car insurance
Cheapest minimum car insurance quotes in Massachusetts: Geico
- Geico is the cheapest auto insurance company in Massachusetts for a minimum coverage policy. At $48 per month, Geico's average rate is $26 per month less than the state average.
- Farmers and Plymouth Rock also have affordable car insurance rates for Massachusetts drivers. Their prices are both within $5 per month of Geico's rates. However, Geico tends to have better customer service than either company.
Cheapest liability insurance in Massachusetts
Company | Monthly rate |
|---|---|
| Geico | $48 |
| Farmers | $52 |
| Plymouth Rock | $53 |
| Arbella | $67 |
| USAA | $53 |
USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Massachusetts
Average cost of auto insurance in Massachusetts by city
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Geico and Plymouth Rock are the cheapest companies in Massachusetts, with each accounting for about half of cities and towns across the state.
Geico tends to be cheapest around Boston and its suburbs, including Cambridge and Quincy.
Plymouth Rock is more often cheapest in central and western Massachusetts towns, such as Worcester and Springfield.
- Orleans, a town on Cape Cod, has the cheapest car insurance in Massachusetts. People living in Orleans pay an average of $142 per month for full coverage insurance.
- The Roxbury neighborhood in Boston is the most expensive place for car insurance, at an average of $338 per month. That's more than double what drivers in Orleans pay for the same coverage.
Find Cheap Car Insurance Quotes in Massachusetts
Cheapest full coverage car insurance rates by MA city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Boston | $217 | Geico | $127 |
| Worcester | $227 | Plymouth Rock | $151 |
| Springfield | $249 | Plymouth Rock | $150 |
| Cambridge | $194 | Geico | $109 |
| Lowell | $204 | Plymouth Rock | $122 |
| Brockton | $298 | Plymouth Rock | $190 |
| Quincy | $222 | Geico | $135 |
| Lynn | $271 | Plymouth Rock | $169 |
| New Bedford | $232 | Plymouth Rock | $147 |
| Fall River | $233 | Plymouth Rock | $148 |
| Newton | $186 | Geico | $125 |
| Lawrence | $241 | Plymouth Rock | $136 |
| Somerville | $209 | Geico | $119 |
| Framingham | $195 | Plymouth Rock | $130 |
| Haverhill | $191 | Plymouth Rock | $127 |
| Malden | $261 | Plymouth Rock | $173 |
| Waltham | $186 | Plymouth Rock | $127 |
| Taunton | $204 | Plymouth Rock | $138 |
| Medford | $215 | Geico | $135 |
| Revere | $296 | Geico | $192 |
| Chicopee | $199 | Plymouth Rock | $131 |
| Peabody | $203 | Plymouth Rock | $139 |
| Methuen Town | $205 | Geico | $144 |
| Everett | $267 | Geico | $183 |
| Attleboro | $178 | Plymouth Rock | $116 |
| Salem | $215 | Plymouth Rock | $141 |
| Leominster | $172 | Plymouth Rock | $113 |
| Pittsfield | $167 | Plymouth Rock | $104 |
| Beverly | $177 | Plymouth Rock | $115 |
| Woburn | $189 | Geico | $132 |
| Fitchburg | $183 | Plymouth Rock | $123 |
| Marlborough | $176 | Plymouth Rock | $116 |
| Westfield | $170 | Plymouth Rock | $113 |
| Braintree Town | $207 | Geico | $134 |
| Chelsea | $292 | Geico | $197 |
| Holyoke | $218 | Plymouth Rock | $128 |
| Watertown Town | $190 | Geico | $132 |
| Franklin Town | $166 | Geico | $107 |
| Gloucester | $172 | Plymouth Rock | $112 |
| Northampton | $158 | Plymouth Rock | $104 |
| Melrose | $192 | Geico | $125 |
| West Springfield Town | $197 | Geico | $144 |
| Gardner | $162 | Plymouth Rock | $108 |
| Abington | $202 | Plymouth Rock | $134 |
| Accord | $181 | Geico | $124 |
| Acton | $151 | Geico | $96 |
| Acushnet | $189 | Plymouth Rock | $123 |
| Acushnet Center | $192 | Geico | $132 |
| Adams | $143 | Plymouth Rock | $88 |
| Agawam | $185 | Plymouth Rock | $125 |
| Allston | $218 | Geico | $129 |
| Amesbury Town | $164 | Geico | $111 |
Best car insurance in Massachusetts: Geico
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Full coverage rate$123/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Claims processAverageClaims rating is based on J.D. Power's claims satisfaction survey.
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AM Best ratingA++An A++ financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the highest rating available.
Cheapest car insurance in MA after a speeding ticket: Geico
Geico has the cheapest car insurance for Massachusetts drivers with a speeding ticket. A full coverage policy from Geico costs $136 per month, which is $90 per month cheaper than average.
Best auto insurance rates in Mass. after a ticket
Company | Monthly rate |
|---|---|
| Geico | $136 |
| Arbella | $163 |
| Plymouth Rock | $191 |
| Safety | $201 |
| USAA | $167 |
USAA is only available to current and former military members and their families.
After a speeding ticket, car insurance rates could go up by an average of 25% in Massachusetts. That's an increase of $45 per month for full coverage insurance.
Cheapest for Massachusetts drivers with an accident: Plymouth Rock
- Plymouth Rock has the cheapest quotes in Massachusetts after a crash. A full coverage policy from Plymouth Rock costs around $151 per month. That's $129 per month cheaper than the average for Massachusetts drivers after an accident.
- Geico is also a good choice after an accident in Massachusetts. At $178 per month, on average, Geico costs $27 per month more than Plymouth Rock. But it has better customer service reviews, which could be helpful if you're in another accident in the future.
Best cheap auto insurance in Massachusetts after a crash
Company | Monthly rate |
|---|---|
| Plymouth Rock | $151 |
| Geico | $178 |
| Arbella | $188 |
| Progressive | $242 |
| USAA | $206 |
USAA is only available to current and former military members and their families.
Rates in Massachusetts go up by an average of 55% after an at-fault accident. Insurance companies raise rates for drivers who have caused crashes because they're more likely to file other insurance claims in the future. This makes them more expensive to cover.
However, your rates may not go up after a crash if you have accident forgiveness. Some companies automatically include accident forgiveness with their basic policy, especially if you haven't been in an accident for a few years. Other times, you'll need to pay extra to add accident forgiveness to your policy.
If you're unsure whether you have accident forgiveness, call your agent or check your auto insurance declarations page.
Cheapest car insurance in MA for new drivers: Plymouth Rock
Plymouth Rock has the cheapest quotes for new drivers in Massachusetts.
- Minimum coverage: A minimum liability policy from Plymouth Rock costs an average of $120 per month for an 18-year-old driver. That's $101 per month cheaper than the Massachusetts average.
- Full coverage: At an average of $296 per month, full coverage from Plymouth Rock is $252 per month cheaper than the Massachusetts average.
Cheapest Massachusetts auto insurance for 18-year-old drivers
Company | Liability only | Full coverage |
|---|---|---|
| Plymouth Rock | $120 | $296 |
| Geico | $135 | $340 |
| Farmers | $177 | $652 |
| Allstate | $175 | $749 |
| USAA | $48 | $264 |
USAA is only available to current and former military members and their families.
It's illegal for car insurance companies in Massachusetts to use your age to set your car insurance rates.
However, they can consider how much driving experience you have. New drivers have less time behind the wheel, so they're more likely to make mistakes and cause crashes.
New drivers in Massachusetts can save money by sharing a policy with their parents or more experienced family members.
Cheapest for new drivers after a ticket or accident: Geico and Plymouth Rock
- Speeding ticket: Geico has the cheapest auto insurance in Massachusetts for new drivers with a speeding ticket on their records. A minimum coverage policy from Geico costs $135 per month for an 18-year-old with one speeding ticket. That's $107 per month cheaper than the Massachusetts average.
- Accident: Plymouth Rock has the most affordable rates for a teen after an accident. At an average of $132 per month, a minimum coverage policy from Plymouth Rock is $151 per month cheaper than the state average.
Minimum coverage new-driver insurance in Massachusetts
Company | Ticket | Accident |
|---|---|---|
| Geico | $135 | $167 |
| Plymouth Rock | $144 | $132 |
| Farmers | $186 | $228 |
| Arbella | $242 | $276 |
| USAA | $173 | $233 |
USAA is only available to current and former military members and their families.
Young drivers in Massachusetts could see their car insurance rates go up by around 10% after one speeding ticket and 28% after a single accident.
Cheap Massachusetts car insurance rates after a DUI: Plymouth Rock
- Plymouth Rock is the cheapest company for Massachusetts drivers with a DUI. At $197 per month, full coverage from Plymouth Rock is $131 per month less than average for drivers with a DUI.
- Drivers with a DUI should also get a quote from Progressive, where rates are only slightly more expensive. Prices for car insurance after a DUI can differ dramatically based on the person, so it's possible you'll find the best rates at a different company.
Affordable car insurance in Massachusetts after a DUI
Company | Monthly rate |
|---|---|
| Plymouth Rock | $197 |
| Progressive | $198 |
| Geico | $203 |
| Arbella | $276 |
| Hanover | $309 |
Massachusetts auto insurance rates for a full coverage policy go up by an average of 81%, or $147 per month, after a DUI.
Is your car insurance company raising rates in Massachusetts in 2026?
A few major car insurance companies in Massachusetts have raised rates in 2026, while only one has lowered its rates so far this year.
- ↑ Biggest increase: Safety at +2.9%
- ↓ Biggest decrease: Travelers at -2.9%
Company | 2026 rate change | 5-year rate change |
|---|---|---|
| Travelers | ↓ 2.9% | ↑ 13.9% |
| State Farm | 0.0% | ↑ 13.4% |
| USAA | 0.0% | ↑ 16.9% |
| Arbella | 0.0% | ↑ 23.7% |
| Progressive | 0.0% | ↑ 23.7% |
| Liberty Mutual | 0.0% | ↑ 28.1% |
| Geico | 0.0% | ↑ 41.0% |
| Allstate | 0.0% | ↑ 47.7% |
| American Family | 0.0% | ↑ 54.5% |
| Plymouth Rock | ↑ 1.8% | ↑ 29.6% |
| Mapfre | ↑ 2.0% | ↑ 54.1% |
| Farmers | ↑ 2.9% | ↑ 54.4% |
| Safety | ↑ 2.9% | ↑ 30.1% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Massachusetts
Don't rush to switch insurance companies just because your rates went up. Even companies that haven't yet had an increase in 2026 still tend to raise their car insurance rates over time.
For instance, as of July, American Family hasn't had a rate increase in 2026. But the company raised rates by nearly 55% over the last five years, which is much more than the state average of 33%. In comparison, the company with the biggest rate hike so far this year, Safety, has raised rates by only 30% over the same time period.
If your car insurance bill went up in Massachusetts, there are a few things you can do to lower your rates.
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Shop around for quotes from the cheapest companies in Massachusetts, including Geico, Plymouth Rock, Farmers and Arbella.
The most expensive company for full coverage insurance in Massachusetts costs twice as much as the cheapest company. That could amount to a savings of nearly $2,000 per year.
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Look for a company with lots of discounts you qualify for. Most companies offer discounts for bundling your home insurance or having a clean driving record, which can save you a lot of money.
But some companies also offer more uncommon discounts. For instance, Arbella offers a discount of up to 12% when you switch from another insurance company. And Geico offers a discount if you own your home, even if you have home insurance through a different company.
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Sign up for a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your car. You could earn a big discount by practicing safe habits, like staying under the speed limit and staying off your phone.
For example, you can save up to 10% with Geico DriveEasy. Just be careful, Geico might raise your rates if you have bad driving habits.
Minimum auto insurance requirements in Massachusetts
Massachusetts requires drivers to have a minimum amount of liability insurance to drive legally, which is sometimes written as 25/50/30.
This coverage pays for damage or injuries you cause in a crash.
You must also have matching uninsured motorist bodily injury coverage, which covers the medical bills of you and your passengers if you're hit by a driver who doesn't have insurance.
Massachusetts minimum auto insurance coverage
- Bodily injury liability: $25,000 per person; $50,000 per accident
- Property damage liability: $30,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person; $50,000 per accident
- Personal injury protection: $8,000 per person, per accident
Massachusetts is one of 12 no-fault states, and one of 15 states that requires personal injury protection (PIP). Because Massachusetts is a no-fault state, drivers typically turn to their own PIP coverage first after an accident, regardless of who caused the crash.
In Massachusetts, personal injury protection (PIP) covers:
- Your own medical expenses, no matter who causes the accident. Depending on your health insurance coverage, some medical costs may be paid by your health insurance company after your PIP benefits are exhausted.
- 75% of your lost income (up to $8K) if recovering from the accident prevents you from going to work
- Services you can no longer perform because of accident-related injuries, such as housekeeping, child care or yard work
- Funeral expenses
PIP is usually one of the costliest coverages on your policy, but insurance companies in Massachusetts must offer you two options that can lower the cost of your PIP coverage.
- Choosing a deductible: A PIP deductible means you are choosing to pay a portion of the $8,000 coverage on your own. Deductibles range from $300 to $8,000.
- Covered personnel: Usually, PIP covers both you and any family member living with you. If you do not have any family members in the same household, then you may want to consider excluding that part of the coverage in Massachusetts. This option will net you a lower PIP premium.
You can incur severe penalties if you’re caught driving without insurance in Massachusetts. The state considers driving without insurance a civil motor vehicle infraction (CMVI).
Depending on the circumstances, you could face as much as a $5,000 fine, up to one year in jail and the loss of your driving privileges for an entire year.
Potential fines and penalties for driving without insurance in MassachusettsFirst offense:
- Fine: $500 fine; additional $500 payment or one full-year premium of compulsory insurance (whichever is larger)
- Driving privileges: Driver's license and registration suspended for 60 days; $500 fee to reinstate
- Imprisonment: Up to one year in jail
Second and subsequent offenses:
- Fine: $500–$5,000 fine; additional $500 payment or one full-year premium of compulsory insurance (whichever is larger)
- Driving privileges: Driver's license and registration suspended for one year; $500 fee to reinstate
- Imprisonment: Up to one year in jail
What's the best car insurance coverage for Massachusetts drivers?
Most drivers should get a full coverage policy .
That's because full coverage includes both comprehensive and collision coverages, in addition to liability insurance. Comprehensive and collision coverages pay for damage to your car, regardless of who is at fault in an accident.
- Almost all lenders require you to have a full coverage policy if you have a loan or lease on your car.
- You should also consider full coverage if your car is less than eight years old or worth more than $5,000.
Minimum coverage insurance comes with very limited protection. And it doesn't cover any repairs to your car.
For example, a minimum policy in Massachusetts only covers $30,000 of property damage if you cause a crash. So if you hit and total a brand new Tesla, you'll have to pay the difference.
Frequently asked questions
What is the cheapest car insurance in Massachusetts?
In 2026, Geico has the cheapest car insurance quotes in Massachusetts. Full coverage from Geico costs around $123 per month, while minimum coverage insurance costs $48 per month, on average. Plymouth Rock often has the best prices for higher-risk drivers, including new drivers and people who have recently caused a crash.
How much is car insurance in Massachusetts?
The average cost of car insurance in Massachusetts is $181 per month for full coverage insurance. And you can expect to pay about $73 per month for minimum coverage.
What is the cheapest car insurance for new drivers in Massachusetts?
Plymouth Rock and Geico are the cheapest Massachusetts car insurance companies for new drivers. Minimum coverage from Plymouth Rock costs around $120 per month, while a policy from Geico is $135 per month.
How much is Progressive insurance in Massachusetts?
A full coverage policy from Progressive costs around $167 per month in Massachusetts. While that's cheaper than the state average, it's $44 per month more than the cheapest company in Massachusetts, Geico.
Methodology
To find the best cheap Massachusetts car insurance, ValuePenguin gathered quotes from hundreds of ZIP codes for the top insurance companies in the state. Rates are for a 30-year-old man with good credit who owns a 2018 Honda Civic EX.
Full coverage quotes include higher liability limits than the state requirement, along with comprehensive and collision coverages.
- Bodily injury liability: $50,000 per person; $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person; $100,000 per accident
- Personal injury protection: $10,000
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
To determine rate changes by company, ValuePenguin analyzed publicly available rate filing data from the Massachusetts Division of Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often segment customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
