Cheapest Car Insurance in Massachusetts

Here are the cheapest carriers in Massachusetts for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Massachusetts.

Companies Quotes


$74 /mo


$89 /mo
Liberty Mutual

Liberty Mutual

$157 /mo


$166 /mo

Best Car Insurance in Massachusetts

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Massachusetts.

Companies Insurify
Composite Score


$89 /mo


$74 /mo

Liberty Mutual

$157 /mo


$166 /mo

Car Insurance in Massachusetts

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Massachusetts to find you the cheapest quotes in each of these metropolitan areas.

Massachusetts' most populated city is not known for ideal traffic conditions. In fact, Boston drivers rank among the worst in the nation, according to Insurify's 2018 study of top cities with the worst drivers.

Massachusetts Driving Facts

Massachusetts' minimum liability car insurance limits are as follows:

Bodily Injury to Others:

  • $20,000 per person
  • $40,000 per accident.

Personal Injury Protection (PIP):

  • $8,000 per person in an accident.

Bodily Injury Caused by an Uninsured Auto:

  • $20,000 per person.
  • $40,000 per accident.

Damage to Someone Else's Property:

  • $5,000 per accident.

State Rankings

Using a proprietary dataset of over 1.5 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

States with Most
DUIs Rank
moving violations
States with Most
Moving Violations Rank
popular car
Most Popular Car
Honda Civic
speeding violations
States with Most
Speeding Tickets Rank
suspended licenses
States with Most
Suspended Licenses Rank

Greenest Cities in Massachusetts

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

A state resoundiingly committed to cleaner energy, Massachusetts has recently upheld laws designed to curtail carbon emissions from power plants. The state's Global Warming Solutions Act ushered in a new era of environmental laws and pollution control policies that hope to reduce greenhouse gas emissions by 80 percent by the year 2050. The state has also been investing in the offshore wind industry. The state of Massachusetts offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

green city award


most patriotic
% of Hybrids/Electrics 4%

Most Patriotic City


Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Springfield won Insurify's Most Patriotic Cities Award for the state of Massachusetts. A prominent locale in American history, Springfield was the site of Shays' Rebellion in 1786-7.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Massachusetts is vital for all car insurance shoppers hitting the road in The Bay State.

Road Rankings

13% Rural Roads in
Poor Condition

#15 Ranked

10% Structurally Deficient
Rural Bridges

#9 Ranked

1% Fatality Rate per 100M VMT
on Rural Roads

#41 Ranked