Cheap Car Insurance in Massachusetts (2023)

Massachusetts drivers spend an average of $164 per month on car insurance. As the 12th-cheapest state for purchasing car insurance, Massachusetts’s average rates are much lower than the national average of $233 per month. States with similar rates to the Commonwealth of Massachusetts include Arkansas and Indiana.

If you’re trying to find cheap car insurance, it’s important to compare quotes online. If you find yourself in Massachusetts, take a note from the commonwealth’s polka song, “Say Hello to Someone in Massachusetts."^[1]

Best cheap car insurance in Massachusetts: USAA

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USAA

Best Cheap Car Insurance in Massachusetts

With low monthly average quotes of $36, USAA is the best cheap car insurance company available to drivers in Massachusetts. Because they live in a commonwealth with an average monthly rate of just $164 per month, residents have plenty of cheap car insurance options. Additional affordable options include Erie, Farmers, Amica, and GEICO.

Learn More: Best Car Insurance Companies

Insurify Composite Score

To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company. 

Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.

Minimum car insurance requirements in Massachusetts

Massachusetts requires insurance for all motor vehicles operating or parked on its roadways. You must carry proof of insurance in your car at all times and provide it when:

• Law enforcement requests it

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Massachusetts^[2] are:

• $20,000 per person/$40,000 per accident for bodily injury: As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Massachusetts is a no-fault commonwealth, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage: If an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $8,000 per accident for PIP: Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $20,000 per person/$40,000 per accident for uninsured/underinsured motorist bodily injury: Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Massachusetts DMV information

Massachusetts’s Registry of Motor Vehicles (RMV) offers helpful services.^[3] Drivers can renew or cancel their registration, renew their license, pay a citation or parking ticket, change their address, and check their registration status. The DMV is also where new or potential drivers can schedule a road test to get their license. You can complete many services online.

Public transportation in Massachusetts

Massachusetts residents have access to regional public transport. In the Boston area, for example, the Massachusetts Bay Transportation Authority (MBTA) offers an extensive subway and bus system spread throughout Boston, Cambridge, and surrounding areas.^[4] The commuter rail connects various cities throughout Massachusetts to one another. Specifics vary by location.

Tips for getting cheap car insurance in Massachusetts

Comparing quotes from multiple auto insurance providers online is a reliable way to find cheap car insurance that meets your coverage needs and driver profile. An online comparison tool will pull together great rates from all the top insurers in Massachusetts, making it quick and easy for you to compare policies.

Here are some other tactics for decreasing insurance costs:

• Increase your deductible.

• Choose minimum coverage.

• Bundle two or more insurance policies.

• Utilize all available discounts.

Liability-only vs. full-coverage insurance in Massachusetts

If you live in Massachusetts, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive pays for damages caused by events out of your control, like vandalism, weather, and animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the cheapest auto insurance in Massachusetts by policy type.

How your driving history affects Massachusetts car insurance rates

Your driving history is the factor that most influences your car insurance costs. Good drivers — whose records are free of serious traffic violations like speeding tickets or reckless driving — tend to get the best car insurance rates in Massachusetts. But infractions like driving under the influence or at-fault accidents can significantly increase insurance costs.

Here’s a look at average monthly quotes for the cheapest car insurance in Massachusetts based on driving and accident history.

See More: High-Risk Car Insurance Massachusetts

See More: SR-22 Car Insurance Massachusetts

SR-22 insurance in Massachusetts

You or your car insurance company may need to file an SR-22 form with the commonwealth to prove that your auto insurance policy meets the minimum liability coverage required by law. This is often due to a state or court order, usually if your license has been suspended or revoked. The insurance companies listed below offer SR-22 forms in Massachusetts.

How credit scores affect Massachusetts car insurance quotes

Generally, people with excellent or good credit scores can qualify for lower car insurance premiums than people with average or poor credit scores. But Massachusetts is one of several states that ban insurers from using credit scores to determine auto rates.

See More: Bad Credit Car Insurance Massachusetts

How your city affects Massachusetts insurance quotes

Car insurance in Massachusetts varies on a city-to-city basis. Factors linked to your ZIP code affect how much you pay for your policy, including crime rates, population density, and more. Many auto insurance providers see certain areas as riskier than others based on these factors. Find average quotes in your city below, including Boston, Cambridge, and more.

How your age affects your Massachusetts car insurance rates

Because insurers generally equate age with experience level, your age will significantly affect how much you pay for car insurance. New drivers, who tend to be teens or people in their early 20s, typically pay more for insurance than drivers 25 and older.

The following table gives a high-level view of how age can affect insurance rates.

Quotes for younger drivers

Multiple other factors influence how much drivers in each age group will pay for car insurance. Some increase rates for one age group more than another, while others impact all age groups evenly.

The following table compares how different insurance factors affect average monthly rates for drivers younger than 30. Travelers provides the cheapest options for young drivers choosing liability or full-coverage insurance, as well as those with an accident or DUI on their record. Though younger drivers pay the highest rates in the state by age group, the average rates remain relatively low. 

Quotes for middle-aged drivers

The following table compares how different insurance factors affect average monthly rates for drivers between 30 and 59. Middle-aged drivers with an accident on their record find the cheapest average rate of $67 per month with Travelers, and the company again offers the lowest across the board for this age group in Massachusetts. On average, these drivers pay between $60 and $71 per month.

Quotes for senior drivers

The following table compares how different insurance factors affect average monthly rates for drivers 59 and older. In Massachusetts, Travelers offers the cheapest options for senior drivers choosing full-coverage insurance, as well as drivers with an accident or a DUI on their record. Midvale Home & Auto provides the lowest rate for liability-only coverage.