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It doesn’t matter if you’re doing doughnuts after going to Dunkies, trying to find a way out of a rotary, or enjoying a weekend down the Cape. Wherever you’re driving in Massachusetts, you can make sure your rate is wicked awesome. Here’s our guide to the best and cheapest car insurance quotes in the Bay State.
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.
| Cheapest Companies | |
|---|---|
 Allstate | $74/mo |
GEICO | $89/mo |
 Liberty Mutual | $157/mo |
 Travelers | $166/mo |
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. For the complete list, see Insurify's best car insurance companies.
| Best Companies | ||
|---|---|---|
GEICO | $89/mo | |
Allstate | $74/mo | |
Liberty Mutual | $157/mo | |
Travelers | $166/mo |
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.
| City | Cheapest Carrier | |
|---|---|---|
| Boston |  Allstate | $88/mo |
| Worcester | Allstate | $93/mo |
| Springfield | Allstate | $109/mo |
| Lowell | Allstate | $89/mo |
| Cambridge | Allstate | $80/mo |
| New Bedford | Allstate | $97/mo |
| Brockton | Allstate | $124/mo |
| Quincy | Allstate | $94/mo |
| Lynn | Allstate | $121/mo |
| Fall River | Allstate | $100/mo |
| Newton | Allstate | $74/mo |
| Somerville | GEICO | $102/mo |
| Lawrence | GEICO | $128/mo |
| Framingham | GEICO | $105/mo |
| Waltham | GEICO | $99/mo |
| Haverhill | GEICO | $104/mo |
| Malden | Allstate | $108/mo |
| Brookline | Allstate | $81/mo |
| Medford | GEICO | $108/mo |
| Taunton | Allstate | $81/mo |
| Allston |  Travelers | $64/mo |
| Brighton | Travelers | $70/mo |
| Dorchester | Travelers | $91/mo |
| Dorchester Center | Travelers | $85/mo |
| East Boston | Travelers | $72/mo |
| Everett | Travelers | $94/mo |
| Jamaica Plain | Travelers | $63/mo |
| Methuen | Travelers | $61/mo |
| Revere | Travelers | $85/mo |
| South Boston | Travelers | $61/mo |
| Watertown | Travelers | $57/mo |
| Woburn | Travelers | $67/mo |
For drivers in Massachusetts, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.
To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Massachusetts. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Massachusetts.
| Cheapest companies | |
|---|---|
Travelers | $47/mo |
 Midvale Home & Auto | $91/mo |
Liberty Mutual | $172/mo |
For drivers in Massachusetts, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Massachusetts. The following are the best insurance rates from carriers that offer full coverage auto insurance in Massachusetts.
| Cheapest companies | |
|---|---|
Travelers | $67/mo |
Midvale Home & Auto | $155/mo |
Liberty Mutual | $229/mo |
The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.
The minimum bodily injury liability insurance requirements in Massachusetts are:
Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.
The minimum property damage liability insurance requirements in Massachusetts are:
Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.
Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements.
What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
Here are the cheapest insurance companies in Massachusetts based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.
For Massachusetts drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Allstate offers the best options for good drivers in Massachusetts, at $74 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
| Insurance Company | |
|---|---|
Allstate | $74/mo |
GEICO | $89/mo |
Liberty Mutual | $157/mo |
Travelers | $166/mo |
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
| Insurance Company | |
|---|---|
State Farm | $58/mo |
Plymouth Rock | $75/mo |
Hanover | $87/mo |
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
| Insurance Company | |
|---|---|
State Farm | $50/mo |
Plymouth Rock | $74/mo |
Ace American | $77/mo |
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
| Insurance Company | |
|---|---|
State Farm | $38/mo |
Ace American | $58/mo |
Preferred Mutual | $64/mo |
If you’re under 40 years old in the state of Massachusetts, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. State Farm offers the cheapest car insurance rates for young drivers, averaging $21 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Massachusetts 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Massachusettsans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
| Insurance Company | |
|---|---|
State Farm | $21/mo |
Ace American | $26/mo |
Preferred Mutual | $33/mo |
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Massachusetts on your behalf.
Massachusetts RMV has several locations and partners with AAA to serve the state. You can check for the nearest location here. The DMV is walk-in friendly, but you must schedule a road test ahead of time. The online portal at MyRMV lets you do over 40 transactions, including:
If you’re new to the state, you can start registering your vehicle here. You’ll need:
You can start exchanging your out-of-state license here. The portal will help you organize the documents you need, and then you can go to the RMV.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Massachusetts drivers measure up to their fellow motorists across the United States in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Massachusetts drivers rank 3 in the number of car accidents per driver.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Massachusetts drivers rank 44 in the number of speeding infractions per driver across all fifty states.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Massachusetts drivers rank 39 in the number of DUI’s per driver across all fifty states.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Massachusetts is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Massachusetts drivers rank 17 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Massachusetts drivers rank 22 in clean driving records across all fifty states.
Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Massachusetts drivers rank 30 in street racing violations per driver.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Massachusetts drivers rank 35 in failure to yield violations per driver across all fifty states.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Massachusetts drivers rank 44 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Massachusetts drivers rank 7 in hybrid and electric vehicle ownership across all fifty states.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
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