Best Cheap Auto Insurance Quotes in Massachusetts (2025)
Safety has the best cheap car insurance in Massachusetts, at $116 per month for full coverage.
Find Cheap Car Insurance Quotes in Massachusetts
Best cheap car insurance companies in Massachusetts
How we chose the top companies
Best and cheapest car insurance in Massachusetts
- Cheapest full coverage: Geico, $110/mo
- Cheapest minimum liability: Geico, $36/mo
- Cheapest for young drivers: Plymouth Rock, $88/mo
- Cheapest after a ticket: Geico, $121/mo
- Cheapest after an accident: Plymouth Rock, $129/mo
- Cheapest for teens after a ticket: Plymouth Rock, $64/mo Geico, $104/mo
- Cheapest after a DUI: Plymouth Rock, $167/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico and Arbella offer the best combination of great customer service and affordable rates.
Arbella doesn't offer online quotes, so you need to work with a local agent to compare rates. That makes Geico the best option for Massachusetts drivers looking to quickly get a quote and buy a policy online.
Cheapest car insurance in MA: Geico
Geico Insurance has the cheapest full-coverage car insurance in Massachusetts.
At $110 per month, a policy from Geico is one-third cheaper than the state average. The average cost of car insurance in Massachusetts is $145 per month for full coverage.
Find Cheap Car Insurance Quotes in Massachusetts
Massachusetts drivers should also get quotes from Safety and Plymouth Rock to compare rates. Each company offers similar prices to Geico. Every driver pays a different amount for car insurance, so it's possible these companies will be cheaper for you.
Cheapest full-coverage quotes in Massachusetts
Company | Monthly rate | |
|---|---|---|
| Geico | $110 |
| Safety | $112 |
| Plymouth Rock | $113 |
| Arbella | $141 |
| Progressive | $143 |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Massachusetts: Geico
Geico Insurance is the cheapest auto insurance company in Massachusetts for a minimum-coverage policy.
At $38 per month, Geico's rate is 30% less than the state average. The average cost of minimum liability insurance in Massachusetts is $51 per month.
Plymouth Rock, Hanover and Farmers also have affordable car insurance rates for Massachusetts drivers. Their prices are all within $10 per month of Geico's rates.
Cheapest liability insurance in Massachusetts
Company | Monthly rate |
|---|---|
| Geico | $36 |
| Plymouth Rock | $38 |
| Hanover | $43 |
| Farmers | $46 |
| Safety | $48 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Massachusetts
Cheapest car insurance in MA for new drivers: Plymouth Rock
Plymouth Rock has the cheapest quotes for new drivers in Massachusetts. A minimum liability policy from Plymouth Rock costs $88 per month for an 18-year-old driver. That's 40% cheaper than the Massachusetts average.
Plymouth Rock also has the cheapest full-coverage rates, at $251 per month, which is 40% cheaper than average.
Cheapest Mass. car insurance for 18-year-old drivers
Company | Liability only | Full coverage |
|---|---|---|
| Plymouth Rock | $88 | $251 |
| Geico | $104 | $323 |
| Hanover | $140 | $608 |
| Travelers | $148 | $398 |
| Farmers | $156 | $580 |
*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 determine 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 a mistake and cause a crash.
New drivers in Massachusetts can save money by sharing a policy with their parents or more experienced family members.
Cheapest car insurance in MA after a speeding ticket: Geico
Geico has the best cheap car insurance for Massachusetts drivers with a speeding ticket. A full-coverage policy from Geico costs $121 per month, which is 35% cheaper than average.
Arbella is another affordable option, and it has top-notch customer service, too. Drivers with a recent ticket are more likely to be involved in a crash in the future. So, it's important to choose a company with customer service you can count on.
Best auto insurance in Mass. after a ticket
Company | Monthly rate |
|---|---|
| Geico | $121 |
| Safety | $140 |
| Arbella | $141 |
| Plymouth Rock | $162 |
| Progressive | $185 |
*USAA is only available to current and former military members and their families.
Car insurance rates after a speeding ticket go up by 29% on average in Massachusetts.
Cheapest for Massachusetts drivers with an accident: Plymouth Rock
Plymouth Rock has the cheapest quotes if you have an at-fault accident on your record. A full-coverage policy from Plymouth Rock costs around $129 per month. That's 42% cheaper than the average for Massachusetts drivers after an accident, which is $220 per month.
Company | Monthly rate |
|---|---|
| Plymouth Rock | $129 |
| Geico | $159 |
| Arbella | $162 |
| Safety | $170 |
| Progressive | $204 |
*USAA is only available to current and former military members and their families.
Rates in Massachusetts go up by 52% after an at-fault accident. Insurance companies raise rates for drivers who have caused a crash because they're more likely to file more insurance claims in the future. This makes them more expensive to insure.
Cheapest for new drivers after a ticket or accident: Geico and Plymouth Rock
Geico has the cheapest auto insurance in Massachusetts for young drivers with a ticket on their record.
Geico sometimes doesn't raise rates for an 18-year-old after one speeding ticket. A minimum-coverage policy from Geico costs $104 per month for an 18-year-old with a speeding ticket. That's 36% cheaper than the Massachusetts average, which is $162 per month.
Plymouth Rock has the most affordable rates for a teen after an accident. At $96 per month, a minimum-liability policy from Plymouth Rock is 48% cheaper than average.
Minimum-coverage new-driver insurance in Massachusetts
Company | Ticket | Accident |
|---|---|---|
| Geico | $104 | $128 |
| Plymouth Rock | $106 | $96 |
| Farmers | $164 | $201 |
| Travelers | $175 | $225 |
| Hanover | $181 | $187 |
*USAA is only available to current and former military members and their families.
Young drivers in Massachusetts can expect their car insurance rates to go up by around 11% after one speeding ticket and 28% after a single accident.
Cheap Massachusetts car insurance after a DUI: Plymouth Rock
Plymouth Rock is the cheapest company for Massachusetts drivers with a DUI. At $167 per month, full coverage from Plymouth Rock is 34% less expensive than average for DUI drivers.
Drivers with a DUI should also get a quote from Progressive, where rates are only a few dollars more per month than Plymouth Rock. Prices for car insurance after a DUI can vary dramatically based on the person, so it's possible you'll find the best rates at a different company.
Cheapest Mass. auto insurance after a DUI
Company | Monthly rate |
|---|---|
| Plymouth Rock | $167 |
| Progressive | $169 |
| Geico | $181 |
| Arbella | $237 |
| Safety | $249 |
*USAA is only available to current and former military members and their families.
Massachusetts auto insurance rates go up by 73% after a DUI, on average.
Best insurance companies in MA
Arbella is the best car insurance company in Massachusetts based on its excellent customer service.
Geico is also a great option for Massachusetts drivers. It has dependable customer service, and rates tend to be slightly cheaper than Arbella.
USAA is another option with stellar service and quick claim payouts. But it's only available if you're a military member or veteran, you have a parent with USAA coverage or you have certain other military connections.
Best car insurance in MA
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Arbella | 617 | A | |
| Geico | 637 | A++ | |
| Travelers | 616 | A++ | |
| Safety | 663 | A |
Average car insurance cost in Massachusetts by city
Gill, a rural town near the Vermont and New Hampshire borders, has the cheapest full-coverage insurance in Massachusetts at $114 per month.
The Roxbury neighborhood in Boston is the most expensive place for car insurance, at $270 per month.
Average full-coverage Massachusetts auto insurance quotes can vary by as much as $156 per month, depending on your city.
Massachusetts car insurance rates by city
City | Monthly rate | % from average |
|---|---|---|
| Abington | $159 | 12% |
| Accord | $143 | 1% |
| Acton | $121 | -15% |
| Acushnet | $152 | 7% |
| Acushnet Center | $155 | 9% |
Drivers who live in high-traffic cities like Boston or Worcester tend to have the most expensive car insurance quotes in Massachusetts. Bigger cities, especially in the Northeast, often have narrow roads and higher rates of theft, which leads to expensive insurance.
But drivers in more expensive locations can still find cheap quotes by shopping around.
Minimum auto insurance requirements in Massachusetts
The minimum required amount of car insurance in Massachusetts is $20,000 per person and $40,000 per accident for bodily injury liability, plus $5,000 of property damage coverage. These requirements are sometimes written as 20/40/5 . The state also requires uninsured motorist coverage equal to its minimum bodily injury liability limits.
Massachusetts is one of 12 no-fault states, and one of 15 states that require drivers to have personal injury protection (PIP). The required amount of coverage you need is fairly low compared to other states, at just $8,000.
- Bodily injury liability: $20,000 per person; $40,000 per accident
- Property damage liability: $5,000 per accident
- Uninsured motorist bodily injury liability: $20,000 per person; $40,000 per accident
- Personal injury protection: $8,000 per person, per accident
What's the best car insurance coverage for Massachusetts drivers?
Most drivers should get a full-coverage policy.
- 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 8 years old or worth more than $5,000.
Minimum coverage insurance comes with a very limited amount of coverage.
For example, a minimum policy in Massachusetts only covers $5,000 of property damage if you cause a crash. That would only be enough to pay for damage to another vehicle in a very minor accident.
Full-coverage car insurance costs $94 more per month than minimum liability coverage in Massachusetts.
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.
Frequently asked questions
What is the cheapest car insurance in MA?
Geico has the cheapest quotes for minimum liability coverage in Massachusetts, at $36 per month. Plymouth Rock often has the best prices for higher-risk drivers like new drivers and people with a recent crash.
How much is car insurance in MA?
The average cost of car insurance in Massachusetts is $145 per month for full-coverage insurance. And you can expect to pay about $51 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 $88 per month, while a policy from Geico is $104 per month.
What is the best auto insurance in Massachusetts?
Arbella has the best car insurance in Massachusetts based on a combination of affordable rates, great customer service and good coverage options.
Does State Farm sell car insurance in Massachusetts?
No, State Farm doesn't sell auto insurance in Massachusetts. Drivers looking for a large national company should consider Geico. It offers affordable rates and reliable customer service for Massachusetts drivers.
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 2015 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: $25,000 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.
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.
