Best Cheap Auto Insurance Quotes in Massachusetts (2023)
Hanover has the best cheap car insurance in Massachusetts, at $32 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Massachusetts
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.
We also 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
Farmers, Safety and Geico also have affordable car insurance rates for Massachusetts drivers.
Cheapest car insurance in MA
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
Safety Insurance has the cheapest full coverage car insurance in Massachusetts, 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 twice the price as the cheapest company, which means you could save hundreds by comparing quotes from multiple car insurance companies.
Cheapest full coverage quotes 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
Geico and Progressive have the best rates for Massachusetts drivers with a ticket, accident or DUI on their driving record.
Cheapest car insurance after a speeding ticket: Geico
Geico has the most affordable full coverage car insurance 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%, on average.
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 |
If you have a history of tickets or accidents, you'll be charged higher rates than if you have a clean record.
Average rates in Massachusetts go up by 52% after an at-fault accident. Insurance companies raise rates for drivers who have caused a car crash 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 company if you're a Massachusetts driver with a DUI. At $152 per month, Progressive is 50% cheaper than average for DUI drivers.
Average quotes increase by 70% after a DUI in Massachusetts — that's 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 best car insurance company in Massachusetts for customer satisfaction. Geico's the second best company and has much cheaper quotes.
Shopping for car insurance shouldn't just be about finding the cheapest companies. You should also find a company 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, is the cheapest city in Massachusetts for car insurance, at just $132 per month. Roxbury, near downtown Boston, is the most expensive city, at $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 city.
Urban drivers who live in high-traffic cities like Boston or Worcester tend to have the most expensive car insurance quotes. But drivers in more expensive locations can still find cheap quotes 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 require drivers to have 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 cheapest quotes for minimum liability coverage in Massachusetts, at $32 per month. Safety Insurance has the cheapest rates for full coverage, at $90 per month. Geico, Progressive and Farmers also have affordable quotes.
What's the average cost of car insurance per month in Massachusetts?
The average cost of car insurance in Massachusetts is $61 per month for liability only car insurance. And you can expect to pay about $178 per month for full coverage.
How much car 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 have 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 companies in Massachusetts that have the best combination of cheap rates, great customer service and good 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.