Who Has the Cheapest Massachusetts Car Insurance Quotes?

Who Has the Cheapest Massachusetts Car Insurance Quotes?

Car insurance rates in Massachusetts for a minimum coverage policy cost an average of $323 for six-months, or $646 per year.

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Massachusetts auto insurance premiums can alter by location, company, driver profile and more. Read on below to compare rates, or enter your ZIP code above for a list of companies near you to begin shopping for quotes.

Cheapest auto insurance companies in Massachusetts

The cheapest auto insurance company in Massachusetts for our sample driver with a minimum coverage policy was Hanover Insurance. At $389 per year, its rates were 40% below the state average.

This graph shows the top three cheap auto insurance companies in the state of Massachusetts and compares their rates to the state average

The three auto insurers in Massachusetts with the lowest costs were:

  1. Hanover
  2. Safety Insurance
  3. MetLife

The average rate of these three insurers — $407 — was 37% below the state average.

The table below contains a rate comparison of the eight companies in our sample ranked from those with the best auto insurance rates in Massachusetts to the most expensive. Arbella, Progressive, Plymouth Rock and Travelers were all more expensive than the average car insurance price in Massachusetts.

RankInsurerAnnual rate
1Hanover$389
2Safety$411
3Metropolitan$421
4GEICO$535
5Arbella Insurance$720
6Progressive$762
7Plymouth Rock Assurance$960
8Travelers$970
  • 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 coverages are recommended if you're seeking to protect against the cost of damage to your own car.

ValuePenguin works with trusted national carriers to help you find the best rate quickly, simply and easily — for free.

Find Cheap Auto Insurance Quotes in Massachusetts

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Cheapest full coverage car insurance in Massachusetts

Our previous quotes were for a driver opting for minimum coverage car insurance. But if you're looking for more protection available, you can buy a policy with comprehensive and collision insurance.

The insurer with the cheapest full car insurance policy is Safety Insurance, with an average annual rate of $1,090.

The most expensive is a Plymouth Rock policy; at $2,851 per year, it costs almost three times the annual rate of a Hanover policy.

RankInsurerAnnual rate
1Safety$1,090
2GEICO$1,416
3Progressive$1,700
4Metropolitan$1,713
5Hanover$1,748
6Arbella$2,141
7Travelers$2,264
8Plymouth Rock Assurance$2,851

The average cost of a minimum coverage policy among our sample eight insurers is $646, approximately one-third the cost of a full coverage policy. However, with regard to minimum policies, shoppers should note the cheaper policy comes at the risk of insufficient coverage in the event of a major accident.



Cheapest Massachusetts car insurance after an accident

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 didn't.

If our sample driver had an at-fault accident on his record we found that GEICO had the cheapest quote for a full coverage policy, with an average annual rate of $2,081 per year. GEICO had the least severe penalty of any of our sample insurers, increasing rates by approximately $660 after an accident, while every other insurer increased rates by at least $1,200 per year.

RankCompanyRates after accidentRates before accidentDifference
1GEICO$2,081$1,416$664
2Safety$2,362$1,090$1,272
3Progressive$2,824$1,700$1,124
4Hanover$3,113$1,748$1,364
5Metropolitan$3,156$1,713$1,443
6Arbella$3,458$2,141$1,317
7Travelers$3,538$2,264$1,273
8Plymouth Rock Assurance$4,088$2,851$1,237
Rates are for our sample driver involved in an at-fault accident resulting in $2,000 in property damage.

High-risk drivers should take special care to shop around for multiple quotes. For example, the best car insurance in Massachusetts for new drivers — often considered riskier customers by insurers — could vary widely by company and location.

Best car insurance companies in Massachusetts

Shopping for car insurance shouldn't just be about affordability. You should also seek an insurer that has a great customer service reputation.

Through a measure of insurance customer complaints, we found that Travelers, Hanover, GEICO rank as the top car insurance companies in Massachusetts for customer service. Only these three companies — plus Progressive — had a complaint index below 1.0, indicating fewer-than-expected complaints given the size of the company.

All other six insurance groups in our analysis had a complaint index above 1.0, indicating poorer than average customer service.

  • Safety Insurance, despite being the most affordable insurer, ranks eighth (out of 10) in Massachusetts for customer complaints.
  • With an index of 6.3, Liberty Mutual is the standout, with customer service ranking significantly poorer than the nine other insurance groups.
RankAuto insurerMarket shareComplaint index
1Travelers2.7%0.57
2Hanover (Citizens)2.5%0.62
3GEICO10.8%0.71
4Progressive4.3%0.91
5Plymouth Rock Assurance6.6%1.07
6Arbella7.9%1.19
7Metropolitan3.2%1.23
8Safety Insurance9.2%1.32
9MAPFRE21.8%1.39
10Liberty Mutual9.1%6.3
The analysis includes the top 10 insurance groups in the state by market share. An insurer with a complaint index of 1.0 has an expected number of complaints given its market size. If an underlying insurance company has a name distinct from its insurance group, it is noted in parentheses.

Minimum auto insurance requirements in Massachusetts

Massachusetts is one of 12 no-fault states and one of the 15 states that mandates all 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 requiring to carry $8,000 worth of personal injury protection (PIP).

CoverageRequired limit
bodily injury liability$20,000 per person/$40,000 per accident
property damage liability$5,000
uninsured motorist liability$20,000 per person/$40,000 per accident
Personal injury protection$8,000 per person, per accident

Cheapest full coverage auto insurance in Massachusetts by city

One of the most important factors companies consider when coming up with a quote is where you live and park your car.

Generally speaking, urban drivers living in more densely populated cities or towns tend to pay higher-than-average costs to insure their vehicles.

But drivers in more expensive locations can still find savings by shopping around. Even motorists living in Brockton, Revere and Chelsea (three of the most expensive locations, per our analysis), can find cheaper auto insurance quotes with some research.

In the table, we take a look at which three companies have the lowest local full coverage rates for our driver for the 50 most populous cities in Massachusetts.

  1. Safety Insurance: Ranked as the cheapest insurance provider, rating top three for affordability in all 50 cities
  2. GEICO: A close second — one of the three cheapest companies in 49 of 50 cities
  3. Progressive: A distant third, ranking top three for affordability in only 23 out of 50 cities.
CityCheapest car insurance companiesAnnual rates
AgawamSafety Insurance$1,161
GEICO$1,475
Metropolitan$1,561
Amesbury TownSafety Insurance$963
GEICO$1,244
Progressive$1,434
AttleboroSafety Insurance$1,027
GEICO$1,362
Progressive$1,640
BarnstableSafety Insurance$1,027
GEICO$1,362
Progressive$1,627
BeverlySafety Insurance$1,027
GEICO$1,362
Metropolitan$1,644
BostonSafety Insurance$1,440
GEICO$1,536
Metropolitan$1,997
Braintree TownSafety Insurance$1,192
Metropolitan$1,945
Hanover$1,996
BrocktonSafety Insurance$1,775
Hanover$2,800
GEICO$2,923
CambridgeSafety Insurance$1,286
GEICO$1,332
Progressive$1,817
ChelseaSafety Insurance$1,912
GEICO$2,347
Progressive$2,696
ChicopeeSafety Insurance$1,208
GEICO$1,691
Progressive$1,801
EverettSafety Insurance$1,659
GEICO$2,160
Hanover$2,447
Fall RiverSafety Insurance$1,458
GEICO$1,874
Progressive$2,131
FitchburgSafety Insurance$1,161
GEICO$1,475
Progressive$1,649
FraminghamSafety Insurance$1,208
GEICO$1,563
Progressive$1,775
FranklinSafety Insurance$912
GEICO$1,192
Progressive$1,380
GardnerSafety Insurance$967
GEICO$1,282
Progressive$1,498
GloucesterSafety Insurance$1,027
GEICO$1,362
Progressive$1,593
Greenfield TownSafety Insurance$967
GEICO$1,126
Metropolitan$1,164
HaverhillSafety Insurance$1,192
GEICO$1,519
Progressive$1,702
HolyokeSafety Insurance$1,397
GEICO$1,805
Metropolitan$2,103
LawrenceSafety Insurance$1,655
GEICO$1,835
Hanover$2,171
LeominsterSafety Insurance$1,027
GEICO$1,362
Progressive$1,577
LowellSafety Insurance$1,384
GEICO$1,645
Metropolitan$1,852
LynnSafety Insurance$1,702
GEICO$2,355
Progressive$2,555
MaldenSafety Insurance$1,659
GEICO$2,160
Hanover$2,447
MarlboroughSafety Insurance$1,027
GEICO$1,362
Hanover$1,622
MedfordSafety Insurance$1,374
GEICO$1,604
Hanover$2,033
MelroseSafety Insurance$1,111
GEICO$1,399
Hanover$1,733
Methuen TownSafety Insurance$1,219
GEICO$1,564
Progressive$1,702
New BedfordSafety Insurance$1,458
GEICO$1,959
Progressive$2,051
NewburyportSafety Insurance$912
GEICO$1,192
Progressive$1,411
NewtonSafety Insurance$1,111
GEICO$1,399
Hanover$1,733
NorthamptonSafety Insurance$967
GEICO$1,282
Metropolitan$1,328
PeabodySafety Insurance$1,219
GEICO$1,564
Hanover$1,931
PittsfieldSafety Insurance$1,036
GEICO$1,192
Metropolitan$1,298
QuincySafety Insurance$1,374
GEICO$1,604
Progressive$1,985
RevereSafety Insurance$1,934
GEICO$2,209
Progressive$2,620
SalemSafety Insurance$1,374
GEICO$1,786
Progressive$1,998
SomervilleSafety Insurance$1,374
GEICO$1,543
Metropolitan$2,060
SpringfieldSafety Insurance$1,582
GEICO$2,176
Hanover$2,365
TauntonSafety Insurance$1,208
GEICO$1,691
Hanover$1,876
WalthamSafety Insurance$1,161
GEICO$1,475
Progressive$1,644
Watertown TownSafety Insurance$1,161
GEICO$1,399
Hanover$1,776
West Springfield TownSafety Insurance$1,219
GEICO$1,564
Progressive$1,817
WestfieldSafety Insurance$1,111
GEICO$1,126
Metropolitan$1,164
WeymouthSafety Insurance$1,208
GEICO$1,691
Metropolitan$1,904
Winthrop TownSafety Insurance$1,458
Metropolitan$2,208
GEICO$2,209
WoburnSafety Insurance$1,161
GEICO$1,475
Hanover$1,776
WorcesterSafety Insurance$1,458
GEICO$1,959
Metropolitan$2,208

In all five cities, Safety Insurance ranks as the most affordable insurer on average.


Below, we dive deeper into insurance rates for the five most populated cities in Massachusetts.

Boston | Worcester | Springfield | Cambridge | Lowell

Boston

With an average annual insurance rate of $2,276, Boston ranks as the 13th most expensive city in Massachusetts. Its auto insurance rates are 22% higher than the state average.

Cheapest Auto Insurance Rates in Boston

graph of auto insurance rates in Boston

Worcester

The second most populous city in Massachusetts, Worcester, is also the 10th most expensive. Its average annual rate is $2,352 per year, which is 26% above the state average. Safety Insurance rates as the most affordable insurer in the city by far, with quotes more than $500 cheaper than second-place GEICO.

Cheapest Auto Insurance Rates in Worcester

graph of auto insurance rates in Worcester

Springfield

Springfield is the third most populous city but the most expensive to insure of these five cities. Its average annual premium — $2,546 — is 36% higher than the state average.

Cheapest Auto Insurance Rates in Springfield

graph of auto insurance rates in Springfield

Cambridge

Cambridge is easily the cheapest auto insurance location of these five cities. Despite its population density, its average annual rate is $2,021, just 8% higher than the Massachusetts average.

Cheapest Auto Insurance Rates in Cambridge

graph of auto insurance rates in Cambridge

Lowell

Lowell rounds out the five most populous cities in Massachusetts. Its average auto insurance premium is closer to the affordability of Cambridge than Springfield, coming out to $2,054 per year, 10% higher than the state average.

Cheapest Auto Insurance Rates in Lowell

graph of auto insurance rates in Lowell

Average cost of car insurance in Massachusetts by city

Cities with more dense populations, such as the top five most populous cities highlighted above, tend to have higher insurance rates, though that is not the only factor affecting premiums.

Full coverage car insurance in Massachusetts costs an average of $1,866 per year for our sample driver.

The table below shows how the costs rank across the 50 most populous cities in Massachusetts, from the cheapest to the most expensive.

Newburyport ranked as the cheapest city in Massachusetts, while Brockton ranked as the costliest.

RankCityAverage annual rate
1Newburyport$1,518
2Franklin$1,549
3Pittsfield$1,564
4Westfield$1,576
5Northampton$1,598
6Greenfield Town$1,615
7Gardner$1,624
8Leominster$1,730
9Gloucester$1,736
10Amesbury Town$1,747
11Barnstable$1,751
12Marlborough$1,753
13Attleboro$1,757
14Beverly$1,767
15Fitchburg$1,874
16Agawam$1,888
17Newton$1,890
18Waltham$1,892
19Melrose$1,948
20Framingham$1,957
21Woburn$1,959
22Haverhill$1,968
23Chicopee$2,015
24Cambridge$2,021
25Methuen Town$2,041
26Taunton$2,046
27Watertown Town$2,051
28Lowell$2,054
29West Springfield Town$2,055
30Peabody$2,067
31Weymouth$2,077
32Somerville$2,204
33Salem$2,223
34Holyoke$2,224
35Braintree Town$2,230
36Medford$2,249
37Quincy$2,265
38Boston$2,276
39New Bedford$2,325
40Fall River$2,336
41Worcester$2,352
42Lawrence$2,419
43Springfield$2,546
44Winthrop Town$2,583
45Malden$2,714
46Lynn$2,759
47Everett$2,806
48Revere$3,040
49Chelsea$3,071
50Brockton$3,075

Methodology

We gathered quotes from hundreds of Massachusetts cities and eight insurance companies. Our base driver was a 30-year-old male driving a 2015 Honda Civic EX. The driver was profiled as having no credit history, making him equivalent to a driver with below-fair to poor credit, according to our data source, Quadrant Information Services.

We gave the driver the following limits as part of a full coverage policy:

Coverage typeStudy 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

For a minimum-coverage policy, our sample driver simply met the minimum requirements of the state of Massachusetts, as described above.

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

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.