Best Cheap Auto Insurance Quotes in Massachusetts (2022)
Best Cheap Auto Insurance Quotes in Massachusetts (2022)
Hanover has the best cheap car insurance in Massachusetts, at $387 per year and $32 per month for minimum liability coverage.
Best cheap car insurance in Massachusetts
The average cost of car insurance in Massachusetts is $784 per year, or $65 per month, for a minimum liability policy. Massachusetts drivers pay an average rate of $2,271 per year for full coverage, which is 16% more than the national average car insurance cost of $1,956.
Cheapest car insurance quotes in Massachusetts: Hanover
The cheapest auto insurance company in Massachusetts for a minimum coverage policy was Hanover Insurance. At $387 per year, Hanover's rates were 51% below the state average.
Find Cheap Auto Insurance Quotes in Massachusetts
Progressive, Plymouth Rock and Travelers were all more expensive than the average car insurance rate in Massachusetts.
Company | Annual rate | Monthly rate | |
|---|---|---|---|
| Hanover | $387 | $32 |
| Safety | $448 | $37 |
| Geico | $528 | $44 |
| Arbella | $764 | $64 |
| Progressive | $893 | $74 |
| Plymouth Rock | $1,112 | $93 |
| Travelers | $1,354 | $113 |
Liability-only insurance only covers injuries or damages to other drivers for which you are at-fault. For example, a minimum policy in Massachusetts only covers $5,000 in property damage liability, which would only fully cover damage to another vehicle in a minor accident.
A full coverage policy includes both liability insurance and comprehensive and collision coverage. Comprehensive and collision coverage are recommended if you want to cover the cost of damage to your own car.
Cheapest full coverage car insurance in Massachusetts: Safety
Massachusetts' cheapest full coverage car insurance policy is Safety Insurance, with an average annual rate of $1,151.
The average cost of full coverage auto insurance in Massachusetts is $2,271 per year, or $189 per month. That's nearly double the rate from Safety, which means you could find cheaper rates by comparing car insurance companies.
Company | Annual rate | Monthly rate |
|---|---|---|
| Safety | $1,151 | $96 |
| Geico | $1,391 | $116 |
| Hanover | $1,733 | $144 |
| Progressive | $1,794 | $149 |
| Arbella | $2,245 | $187 |
| Travelers | $3,295 | $275 |
| Plymouth Rock | $4,289 | $357 |
The average cost of a minimum coverage policy in our analysis of top Massachusetts companies is $784, about one-third the cost of a full coverage policy. However, drivers should note the cheaper policy comes at the risk of insufficient coverage in a major accident.
Cheap car insurance quotes for drivers with prior incidents
Full coverage car insurance is usually higher for drivers with incidents on their record, such as a DUI (driving under the influence) citation or a speeding ticket. Geico and Progressive had the best rates for Massachusetts drivers with prior driving incidents.
Cheapest for Massachusetts drivers with an accident: Geico
If you have an at-fault accident on your record, we found Geico had the cheapest quotes for a full coverage policy, with an average annual rate of $2,038 per year. The cost of auto insurance from Geico is 40% less than the average cost of coverage after an accident in Massachusetts, which is $3,390 per year.
Company | Annual rate | Monthly rate |
|---|---|---|
| Geico | $2,038 | $170 |
| Safety | $2,171 | $181 |
| Progressive | $2,612 | $218 |
| Hanover | $3,085 | $257 |
| Arbella | $3,644 | $304 |
| Plymouth Rock | $4,829 | $402 |
| Travelers | $5,354 | $446 |
Insurers look at driver histories to determine the risk of an accident and adjust prices for their customers based on that information. Massachusetts insurers are no different.
If you have a history of traffic violations or accidents, you'll be charged a higher rate than if you have a clean record.
Average rates in Massachusetts go up by 49% after an at-fault accident. Insurance companies increase premiums for drivers with accidents because they are statistically more likely to get in another accident in the future. This makes them riskier — and costlier — to insure.
Cheapest car insurance for people with a speeding ticket: Geico
The most affordable coverage for drivers who have been caught speeding comes from Geico, which charges rates that are $1,487 cheaper than the state average. Speeding tickets raise auto insurance rates in Massachusetts by more than a third, according to our analysis.
Company | Annual rate | Monthly rate |
|---|---|---|
| Safety | $1,151 | $96 |
| Geico | $1,391 | $116 |
| Hanover | $1,733 | $144 |
| Progressive | $1,794 | $149 |
| Arbella | $2,245 | $187 |
| Travelers | $3,295 | $275 |
| Plymouth Rock | $4,289 | $357 |
Cheapest car insurance for drivers with a DUI: Progressive
If you're a Massachusetts driver looking for affordable coverage after a DUI, consider Progressive. Annual premiums are 44% cheaper than average for most drivers.
DUIs incur steeper rate increases than any of the other incidents in our study. We found that average premiums go up by 64%, whereas speeding tickets raise rates by just 35% and at-fault accidents by 49%.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $2,088 | $174 |
| Geico | $2,327 | $194 |
| Hanover | $2,562 | $214 |
| Safety | $3,094 | $258 |
| Arbella | $4,543 | $379 |
| Travelers | $5,153 | $429 |
| Plymouth Rock | $6,341 | $528 |
Best car insurance companies in Massachusetts
Shopping for car insurance shouldn't just be about affordability. You should also find an insurer with a great customer service reputation.
Geico is the top car insurance company in Massachusetts for customer satisfaction, according to J.D. Power. It also has a strong financial stability grade from AM Best and is highly rated by ValuePenguin's editorial staff.
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| Geico | 841 | A++ | |
| Safety | 817 | A | |
| Arbella | 809 | A | |
| Progressive | 840 | A+ | |
| Plymouth Rock | 804 | A- | |
| Hanover | 836 | A |
Average car insurance cost in Massachusetts by city
Chatham ranked as the cheapest city in Massachusetts for car insurance, at $1,684 per year. Roxbury, near downtown Boston, ranked as the most expensive, with average rates of $4,214 per year.
One of the most important factors for your car insurance quote is where you live and park your car. Full coverage car insurance rates in Massachusetts can vary by as much as $2,530 per year, depending on your location within the state.
Urban drivers living in more densely populated cities such as Boston tend to pay higher-than-average costs to insure their vehicles. But drivers in more expensive locations can still find savings by shopping around.
City | Average annual cost | Percent from average |
|---|---|---|
| Abington | $2,462 | 8% |
| Accord | $2,364 | 4% |
| Acton | $1,847 | -19% |
| Acushnet | $2,301 | 1% |
| Acushnet Center | $2,447 | 8% |
Minimum auto insurance requirements in Massachusetts
Massachusetts is one of 12 no-fault states and one of the 15 states that mandates that drivers carry first-party medical benefits with their auto insurance policies. Required limits in the state, however, are fairly low compared to others, with drivers only required to carry $8,000 worth of personal injury protection (PIP).
Liability | Minimum coverage |
|---|---|
| Bodily injury (BI) | $20,000 per person and $40,000 per accident |
| Property damage (PD) | $5,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $20,000 per person and $40,000 per accident |
| Personal injury protection (PIP) | $8,000 per person, per accident |
Recap of the cheapest auto insurance quotes in Massachusetts
- Minimum coverage: Hanover
- Full coverage: Safety
- After a speeding ticket: Geico
- After an at-fault accident: Geico
- After a DUI: Progressive
- Married drivers: Safety
- Young drivers: Hanover
- Young drivers after a ticket: Geico
- Young drivers after an accident: Hanover
Frequently asked questions
What is the cheapest car insurance in Massachusetts?
Hanover Insurance has the best average price for minimum coverage in Massachusetts at $387 per year, and Safety Insurance has the lowest rate for full coverage, at $1,151 annually.
What's the average cost of car insurance per month in Massachusetts?
The average price for a state-minimum car insurance policy in Massachusetts is $784 per year. And you can expect to pay about $2,271 per year for full coverage.
How much auto insurance do I need in Massachusetts?
Massachusetts state law requires at least $20,000/$40,000 of bodily injury liability, $5,000 in property damage coverage and $20,000/$4,000 in uninsured motorist coverage. In addition, you're required to carry at least $8,000 of personal injury protection, as Massachusetts is a no-fault state.
What's the best car insurance in Massachusetts?
Geico, Progressive and Safety were the best-reviewed insurers in Massachusetts that offered the best combinations of cheap rates, great customer service and varied coverage options.
Methodology
We gathered quotes from hundreds of Massachusetts cities for the top insurance companies in the state. Our base driver was a 30-year-old male driving a 2015 Honda Civic EX with a full coverage policy.
Minimum coverage policies only met the minimum liability requirements of the state of Massachusetts. A full coverage policy included:
Coverage type | Study limits |
|---|---|
| Bodily liability | $50,000 per person/$100,000 per accident |
| Property damage | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| 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.
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.