Best Cheap Auto Insurance Quotes in Massachusetts (2024)
Best Cheap Auto Insurance Quotes in Massachusetts (2024)
Best cheap car insurance in Massachusetts
To find the best cheap auto insurance in Mass., ValuePenguin 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.
- Bodily injury liability: $20,000 per person; $40,000 per accident,
- Uninsured motorist bodily injury liability: $20,000 per person; $40,000 per accident
- Property damage liability: $5,000 per accident
- Personal injury protection (PIP): $8,000
Full coverage quotes include collision and comprehensive coverages, plus higher liability limits than state minimums.
Our experts also rated the best Massachusetts auto insurance companies based on cost, coverage availability, convenience and customer service reviews.
Cheapest full coverage car insurance in MA: Safety
Safety Insurance has the cheapest full coverage car insurance in Massachusetts.
At $116 per month, a full coverage policy from Safety is 33% cheaper than the state average. The average cost of car insurance in Massachusetts is $172 per month for full coverage.
Find Cheap Auto Insurance Quotes in Massachusetts
Massachusetts drivers should also compare quotes from Arbella. Full coverage from Arbella costs around $136 per month, which is $20 per month more than a policy from Safety.
But Arbella has the best customer service reviews in Massachusetts. It may be worth spending a little more for great service, especially if you're ever in an accident.
Cheapest full coverage quotes in Massachusetts
Company | Monthly rate | |
|---|---|---|
| Safety | $116 |
| Geico | $120 |
| Arbella | $136 |
| Progressive | $146 |
| Farmers | $154 |
*USAA is only available to current and former military members and their families.
Full coverage car insurance costs $109 more per month than minimum liability coverage in Massachusetts.
That's because full coverage includes both liability insurance and comprehensive and collision coverages. Comprehensive and collision coverages pay for damage to your car, regardless of who is at fault.
Most 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.
Cheapest car insurance quotes in Massachusetts: Hanover
Hanover Insurance is the cheapest auto insurance company in Massachusetts for a minimum coverage policy.
At $40 per month, Hanover's rate is 36% less than the state average. The average cost of minimum liability insurance in Massachusetts is $63 per month.
Farmers, Geico, Safety and Arbella also have affordable car insurance rates for Massachusetts drivers.
Cheapest liability insurance in Massachusetts
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.
Most drivers should get a full coverage policy, which typically comes with higher liability limits. Full coverage also pays for damage to your own car, regardless of fault.
Cheapest car insurance in MA for new drivers: Hanover and Geico
Hanover has the cheapest minimum coverage quotes for new drivers in Massachusetts.
A minimum liability policy from Hanover costs $131 per month for an 18-year-old driver. That's 24% cheaper than the Massachusetts average. However, full coverage from Hanover is very expensive for teens, at $563 per month.
Geico has the cheapest full coverage rates, at $353 per month, which is 27% cheaper than average. It also has very affordable minimum coverage quotes, at $132 per month.
Cheapest Mass. car insurance for 18-year-old drivers
Company | Liability only | Full coverage |
|---|---|---|
| Hanover | $131 | $563 |
| Geico | $132 | $353 |
| Farmers | $139 | $499 |
| Safety | $179 | $464 |
| Progressive | $194 | $445 |
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.
Find Cheap Auto Insurance Quotes in Massachusetts
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 $133 per month, which is 42% cheaper than average.
Arbella is also a great choice after a speeding ticket due to its affordable prices and top-rated customer service. Full coverage from Arbella is only $3 more per month than Geico, and 40% less than the Massachusetts state average.
Drivers with a recent ticket are more likely to be 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 | $133 |
| Arbella | $136 |
| Safety | $149 |
| Progressive | $186 |
| Farmers | $193 |
One speeding ticket raises auto insurance rates in Massachusetts by 32%, on average.
Cheapest for Massachusetts drivers with an accident: Arbella
Arbella has the cheapest quotes if you have an at-fault accident on your record. A full coverage policy from Arbella costs around $154 per month. That's 40% cheaper than the average for Massachusetts drivers after an accident, which is $256 per month.
Company | Monthly rate |
|---|---|
| Arbella | $154 |
| Geico | $175 |
| Safety | $180 |
| Progressive | $201 |
| Farmers | $281 |
Rates in Massachusetts go up by 48% after an at-fault accident. Insurance companies raise rates for drivers who have caused a crash because they're more likely to get into another accident. This makes them more expensive to insure.
Cheapest for new drivers after a ticket or accident: Geico
Geico has the cheapest auto insurance in Massachusetts for young drivers with a ticket or accident on their record.
A minimum coverage policy from Geico costs $132 per month for an 18-year-old with a speeding ticket. That's 31% cheaper than the Massachusetts average, which is $190 per month.
Geico also has the most affordable rates after an accident. At $163 per month, a minimum liability policy from Geico is 23% cheaper than average.
Minimum coverage new driver insurance in Massachusetts
Company | Ticket | Accident |
|---|---|---|
| Geico | $132 | $163 |
| Farmers | $147 | $179 |
| Hanover | $169 | $175 |
| Safety | $179 | $210 |
| Arbella | $200 | $229 |
New drivers in Massachusetts can expect their car insurance rates to go up by around 10% after one speeding ticket and 23% after a single accident.
Cheap Massachusetts car insurance after a DUI: Progressive
Progressive is the cheapest company for Massachusetts drivers with a DUI. At $173 per month, full coverage from Progressive is 39% less expensive than average for DUI drivers.
Cheapest Mass. auto insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $173 |
| Geico | $199 |
| Arbella | $226 |
| Hanover | $254 |
| Safety | $261 |
Massachusetts auto insurance rates increase by 64% 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 and affordable rates.
Geico is also a great option for Massachusetts drivers. It has dependable customer service, and rates tend to be slightly cheaper than Arbella.
Best car insurance in MA
Company |
Editor's rating
|
J.D. Power
|
A.M. Best
|
|---|---|---|---|
| Arbella | 819 | A | |
| Geico | 835 | A++ | |
| Hanover | 843 | A | |
| Travelers | 829 | A++ | |
| Farmers | 815 | A |
Shopping for car insurance shouldn't just be about finding the cheapest companies. You should look for a company that also has great customer service.
Great service can help you get back on the road quickly after an accident. On the other hand, companies with poor service may take longer to pay out claims.
Average car insurance cost in Massachusetts by city
Gill, a rural town in the middle of the state, has the cheapest full coverage insurance in Massachusetts at $130 per month.
Roxbury, near downtown Boston, is the most expensive city, at $325 per month.
Full coverage Massachusetts auto insurance quotes can vary by as much as $195 per month, depending on your city.
Massachusetts car insurance rates by city
City | Average monthly cost | Change from average |
|---|---|---|
| Abington | $195 | 9% |
| Accord | $185 | 4% |
| Acton | $146 | -18% |
| Acushnet | $182 | 2% |
| Acushnet Center | $193 | 8% |
Urban drivers who live in high-traffic cities like Boston or Worcester tend to have the most expensive car insurance quotes in Massachusetts. That's because they're more likely to get in an accident.
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. This is 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 limit 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
Frequently asked questions
What is the cheapest car insurance in MA?
Hanover has the cheapest quotes for minimum liability coverage in Massachusetts, at $40 per month. Safety Insurance has the cheapest rates for full coverage, at $116 per month. Geico and Arbella also have affordable quotes.
How much is car insurance in MA?
The average cost of car insurance in Massachusetts is $172 per month for full coverage insurance. And you can expect to pay about $63 per month for minimum coverage.
What is the cheapest car insurance for new drivers in Massachusetts?
Hanover and Geico are the cheapest Massachusetts car insurance companies for new drivers. Minimum coverage from Hanover costs around $131 per month, while a policy from Geico is $132 per month. Geico has the cheapest full coverage quotes, at $353 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 male with good credit who owns a 2016 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.