Best Cheap Auto Insurance Quotes in Massachusetts (2023)
Best Cheap Auto Insurance Quotes in Massachusetts (2023)
Hanover has the best cheap car insurance in Massachusetts, at $387 per year or $32 per month for minimum coverage.
Best cheap car insurance in Massachusetts
To find the best cheap auto insurance in Massachusetts, our editorial team compared quotes from some of the largest car insurance companies from every ZIP code in the state. Quotes for minimum coverage meet the Massachusetts state minimum requirements of $20,000 in bodily injury liability coverage per person and $40,000 per accident, $20,000 in uninsured motorist bodily injury liability coverage per person and $40,000 per accident, plus $5,000 in property damage coverage and $8,000 in personal injury protection (PIP). Full coverage quotes include collision and comprehensive coverage, plus higher liability limits than state minimums.
Additionally, we rated the best auto insurance companies in Massachusetts based on the cost for different drivers, coverage availability, convenience and customer service reviews.
Cheapest car insurance quotes in Massachusetts: Hanover
Hanover Insurance is the cheapest auto insurance company in Massachusetts for a minimum coverage policy. At $32 per month, Hanover's rate is 47% below the state average.
Find Cheap Auto Insurance Quotes in Massachusetts
Progressive, Plymouth Rock and Travelers are all more expensive than the average car insurance rate in Massachusetts.
Cheapest car insurance in Massachusetts
Minimum coverage insurance only covers injuries or property damage to others. 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 comes from Safety Insurance, with an average monthly rate of $90.
The average cost of full coverage auto insurance in Massachusetts is $2,139 per year, or $178 per month. That's nearly double the rate from Safety, which means you could find cheaper rates by comparing car insurance companies.
Cheapest full coverage car insurance in MA
Company | Monthly rate |
|---|---|
| Safety | $90 |
| Geico | $116 |
| Progressive | $130 |
| Farmers | $141 |
| Hanover | $144 |
Cheap car insurance quotes for drivers with prior incidents
Geico and Progressive have the best rates for Massachusetts drivers with prior driving incidents. Full coverage car insurance is usually more expensive for drivers with incidents on their record, such as a DUI (driving under the influence) citation or a speeding ticket.
Cheapest car insurance for people with a speeding ticket: Geico
Geico offers the most affordable full coverage for drivers who have been caught speeding, with a rate that is $1,338 cheaper per year than the state average. Speeding tickets raise auto insurance rates in Massachusetts by 34%.
Company | Monthly rate |
|---|---|
| Geico | $128 |
| Safety | $144 |
| Progressive | $163 |
| Farmers | $178 |
| Arbella | $206 |
Cheapest for Massachusetts drivers with an accident: Geico
Geico has the cheapest quotes for a full coverage policy if you have an at-fault accident on your record, with an average monthly rate of $170. The cost of auto insurance from Geico is 37% less than the average cost of coverage after an accident in Massachusetts, which is $271 per month.
Company | Monthly rate |
|---|---|
| Geico | $170 |
| Safety | $174 |
| Progressive | $176 |
| Hanover | $257 |
| Farmers | $260 |
Insurance companies 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 52% 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 more expensive — to insure.
Cheapest car insurance for Massachusetts drivers with a DUI: Progressive
Progressive is the cheapest option if you're a Massachusetts driver looking for affordable full coverage after a DUI. At $152 per month, its rate is 50% cheaper than average.
DUIs cause steeper rate increases than any of the other incidents analyzed. Average premiums go up by 70% — considerably more than the cost after a speeding ticket or at-fault crash.
Company | Monthly rate |
|---|---|
| Progressive | $152 |
| Geico | $194 |
| Hanover | $214 |
| Safety | $252 |
| Farmers | $302 |
Best car insurance companies in Massachusetts
Arbella is the top car insurance company in Massachusetts for customer satisfaction. It also has a strong financial stability grade from AM Best.
Shopping for car insurance shouldn't just be about affordability. You should also find an insurer with great customer service. Good service helps you get back on the road and get your life back to normal more quickly after an accident.
Best MA car insurance
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| Arbella | 819 | A | |
| Geico | 835 | A++ | |
| Travelers | 829 | A++ | |
| Farmers | 815 | A | |
| Safety | 809 | A |
Average car insurance cost in Massachusetts by city
Gill, a rural town in the middle of the state, ranks as the cheapest city in Massachusetts for car insurance, at just $132 per month. Roxbury, near downtown Boston, ranks as the most expensive, with an average rate of $338 per month.
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 $2,465 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.
Car insurance rates near you
City | Average monthly cost | Change from average |
|---|---|---|
| Abington | $195 | 9% |
| Accord | $185 | 4% |
| Acton | $146 | -18% |
| Acushnet | $182 | 2% |
| Acushnet Center | $193 | 8% |
Minimum auto insurance requirements in Massachusetts
The minimum required amount of car insurance in Massachusetts is $20,000 per person/$40,000 per accident for bodily injury liability (BIL), plus $5,000 of property damage coverage. The state also requires uninsured motorist coverage equal to its minimum BIL limits.
Massachusetts is one of 12 no-fault states and one of the 15 states that mandate that drivers carry first-party medical benefits with their auto insurance policies. The required limit in the state, however, is fairly low compared to other states, with drivers only required to carry $8,000 worth of personal injury protection (PIP).
Coverage | Minimum limit |
|---|---|
| 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 |
Frequently asked questions
What is the cheapest car insurance in Massachusetts?
Hanover has the best average price for minimum coverage in Massachusetts, at $32 per month, and Safety Insurance has the lowest rate for full coverage, at $90 per month.
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 $61 per month. And you can expect to pay about $178 per month 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/$40,000 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?
Arbella, Geico and Travelers are the best-reviewed insurers in Massachusetts that offer 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.
Minimum coverage policies only met the minimum requirements of the state of Massachusetts. A full coverage policy included:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Personal injury protection | $8,000 |
| 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.
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.