7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Massachusetts drivers pay an average of $117 per month for car insurance, which is much lower than the national average of $154 per month. Midvale Home & Auto, Safeco, and Liberty Mutual offer the cheapest car insurance in Massachusetts. The exact amount you’ll pay for car insurance varies based on your unique situation, but comparing quotes is the best way to find cheap rates.
The state had a relatively low number of fatal crashes in 2021, according to data from the Insurance Institute for Highway Safety.[1] The U.S. had a fatal crash rate of 12.7 per 100,000 people, while Massachusetts had a lower fatality rate of 6 per 100,000 people. This may partially explain why Massachusetts drivers earn lower average rates than other U.S. drivers.
Here’s what you need to know about finding cheap car insurance in the Bay State.
Quick Facts
Massachusetts drivers pay an average of $81 per month for minimum coverage insurance and $153 per month for a full-coverage policy.
Because Massachusetts is a no-fault state, drivers need to have personal injury protection coverage to pay for their medical bills after a car accident.[2]
Car insurance companies in Massachusetts can’t use your credit history when determining premiums.[3]
Cheapest car insurance companies in Massachusetts
Every driver in Massachusetts has a unique profile that affects their car insurance premiums. Since each insurance company has a different method of determining premiums, you’ll likely find a range of rates across different companies.
The right insurance company will vary based on your needs. Shopping around can help you find the best fit for your situation. The table below explores some of the top insurance companies in Massachusetts to help you begin your search.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
806
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$94/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$160/mo
Liberty Mutual sells a variety of insurance products for vehicles, property, businesses, pets, and more. If you bundle your auto insurance with home, condo, or renters insurance, you can save up to 12% on your coverage. The company offers standard auto coverage options in addition to accident forgiveness, gap, rental car, and original parts replacement coverage.
Pros
Numerous available discounts
Accident forgiveness program
Cons
Below-average J.D. Power customer satisfaction ranking in New England
Some negative online customer reviews
I don’t like talking to a computer. I’m a one-on-one kind of person.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$76/mo
Travelers has been in business for more than 165 years and offers affordable full-coverage policies in Massachusetts, with average costs well below other companies in the state. The company advertises 12 available discounts and numerous coverage options. Unfortunately, the company received a below-average customer satisfaction ranking from J.D. Power in New England.
Pros
Offers new car, pay in full, and early quote discounts
AM Best financial strength rating of A++ (Superior)
Cons
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
Low rating on Trustpilot
They have the lowest rates I could find.
Elise - September 11, 2023
Verified
They are one of the few companies writing policies for a full year. All these "discount companies " miss lead you by quoting 6 month policies.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$66/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
Midvale Home & Auto provides drivers in Massachusetts with an affordable liability-only coverage option. Though many drivers prefer a full-coverage policy, Midvale Home & Auto makes it easy to save with a minimum-coverage policy. Drivers can save more by bundling auto and home insurance.
Pros
Offers auto, renters, and homeowners insurance
Customers can earn a discount for bundling auto and home insurance
Cons
Lower IQ Score than many insurers
No mobile app
Find Cheap Car Insurance in Massachusetts
Liability coverage quotes start at $66 per month in the state
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How to get the cheapest car insurance in Massachusetts
Car insurance companies look at different factors to determine your premiums. Some common factors include your driving record, age, location, credit history, and marital status.
The good news is that you can implement strategies to earn cheaper insurance rates:
Shop around. Comparing quotes from multiple insurance companies can help you find the best rate for your situation.
Raise your deductible. Setting a higher deductible typically leads to lower premiums. If you can afford to cover a higher deductible, consider increasing yours.
Look for a discount. Most insurance companies offer discount opportunities. It never hurts to see if you qualify.[4]
Opt for minimum coverage. A liability-only insurance policy is typically the cheapest coverage you can buy. But if you have an accident, you’ll have to pay for your vehicle repairs out of pocket.
Cheapest liability-only car insurance in Massachusetts: Midvale Home & Auto
Liability car insurance includes bodily injury liability and property damage liability coverage. This type of insurance policy kicks in to help you pay for damages or injuries you cause others in an accident. In Massachusetts, minimum coverage includes personal injury protection for your injuries as well.
Midvale Home & Auto offers the cheapest average rates for liability-only car insurance, at $66 per month. The table below shows the average quotes for liability-only policies from insurance companies in Massachusetts.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Massachusetts: Travelers
Full-coverage car insurance policies provide more coverage and financial protection than liability-only policies. On top of liability coverage, a full-coverage policy includes collision and comprehensive coverage. After an incident, this type of policy will help you repair or replace your own vehicle.
If you would struggle to pay for repairs on your own after an accident, you should consider purchasing a full-coverage policy. Some drivers need to carry this type of policy if they lease or finance their vehicle.
In the table below, you can find average quotes for full-coverage policies from the cheapest insurers in Massachusetts.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Massachusetts
Massachusetts requires drivers to carry a minimum amount of insurance to drive on public roadways. In this no-fault state, you must carry personal injury protection (PIP) and uninsured/underinsured motorist coverage in addition to bodily injury and property damage liability coverage.[5]
Here are the specific minimum car insurance requirements for Massachusetts drivers:
Most people can benefit from purchasing coverage beyond the minimum required insurance. Common optional coverages to consider include:
Collision coverage
Collision insurancehelps pay for repairs to your vehicle after an accident. This includes collisions with other cars and stationary objects.
Comprehensive coverage
Comprehensive insurancehelps pay for repairs or replacement after something other than a collision damages your vehicle, like theft or vandalism.
Roadside assistance coverage
Specifics vary by insurer, but roadside assistance coveragetypically includes services like lock-outs, jump-starts, tire changes, towing, and more.
Cheapest car insurance for drivers with an incident
Having a traffic violation on your record can increase your insurance costs. Insurers view incidents like speeding tickets, driving under the influence charges, and at-fault accidents as indicators of future risk. In general, an insurance company will respond to this increased risk by charging higher insurance premiums.
Massachusetts is one of the most densely populated states in the country. With more people living in tight quarters, traffic congestion can lead to more accidents and higher car insurance rates. On average, Massachusetts drivers with an incident on their record pay $139 per month.
The following sections provide a closer look at how an incident on your driving record can affect your insurance costs.
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Cheapest car insurance for drivers with a speeding ticket: Midvale Home & Auto
Drivers with a speeding ticket tend to pay more for car insurance than people with a clean driving record. The overall average cost of car insurance in Massachusetts for drivers with a speeding ticket is $163 per month.
Here are the cheapest average quotes for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Midvale Home & Auto
After an at-fault accident, you’ll often pay more for car insurance. This type of incident may affect your rates more than a single speeding ticket. The severity of the accident — and how much your insurer had to pay out in claims — can influence how much your insurance premium increases upon renewal.
Massachusetts drivers with an at-fault accident pay an average of $147 per month. Below, you can find the cheapest coverage options for drivers in the state.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Midvale Home & Auto
A DUI is one of the most serious offenses a driver can have. If you get a DUI on your driving record, you’ll likely have to pay significantly higher car insurance premiums. The overall average cost of car insurance for drivers in the state with a past DUI is $170 per month.
Explore average quotes for drivers with a DUI in the table below.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Midvale Home & Auto
Your age can affect how much you pay for car insurance. After gaining years of experience behind the wheel, drivers tend to earn lower rates starting around age 35. Though the downward trend in costs continues for decades, seniors often see rates increase around age 70.
The good news is that comparing quotes across multiple insurance companies can help senior drivers find the best car insurance for their situation. On average, Massachusetts senior drivers pay $66 per month for car insurance.
Here are some average car insurance quotes for older drivers from top insurers.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Midvale Home & Auto
Due to a lack of experience behind the wheel, teen drivers tend to face the highest car insurance rates. Young drivers often face higher rates until age 25 due to the elevated risk they pose for insurance companies.
Teen drivers can keep costs down by maintaining good grades, joining their parents’ insurance policy, committing to safe driving habits, and selecting a higher deductible. Shopping around can also help young drivers find the lowest rates.
The overall average cost of car insurance for teen drivers in Massachusetts is $284 per month. Below are some of the cheapest options for teen drivers in Massachusetts.
The below rates are estimated rates current as of: Tuesday, November 7 at 11:00 AM PST.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Massachusetts car insurance FAQs
Before you start shopping around for car insurance, you should decide on the amount of coverage you need. The following information should help you navigate the process of buying cheap car insurance in Massachusetts.
How much is car insurance in Massachusetts?
The overall average cost of auto coverage in Massachusetts is $117 per month. Drivers in Massachusetts pay $81 per month for liability coverage and $153 for full coverage, on average. How much you pay for coverage will depend on your driving record, age, and more.
Who has the cheapest car insurance in Massachusetts?
Comparing quotes from multiple companies is the best way to find the cheapest rates for you, but Midvale Home & Auto is the cheapest car insurance company in Massachusetts. Midvale Home & Auto policyholders pay as little as $66 per month for liability coverage. Other cheap insurers in the state include Safeco and Liberty Mutual, which have monthly liability rates of $81 and $94, respectively.
What are the best car insurance companies in Massachusetts?
With a high Insurify Quality (IQ) Score of 4.2 out of 5, an A++ (Superior) financial strength rating from AM Best, and numerous discounts, Travelers is the best car insurance company in Massachusetts. Other top insurers include Midvale Home & Auto, Liberty Mutual, and USAA.
Does your credit score affect your car insurance rates in Massachusetts?
No. Massachusetts insurers can’t consider your credit history when determining car insurance premiums. State law forbids companies from using credit information during the process of determining premiums, underwriting policies, or renewing policies.
What are the minimum car insurance requirements in Massachusetts?
Massachusetts drivers must carry the following minimum amounts of car insurance:
$20,000 per person and $40,000 per accident for bodily injury liability
$5,000 per accident for property damage liability
$20,000 per person and $40,000 per accident for uninsured/underinsured motorist coverage
$8,000 for personal injury protection coverage
Insurify Insights
How Massachusetts Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Massachusetts below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Massachusetts drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Massachusetts
#36
State with the Most Speeding Tickets Rank
#24
State with the Moving Violations Rank
#42
State with the Most DUIs Rank
#47
State with the most Suspended Licenses
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. Massachusetts is the #4 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #4
Percent of drivers in Massachusetts with an accident: 11.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Massachusetts is the #42 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #42
Percent of drivers in Massachusetts with a DUI: 1%
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. Massachusetts is the #30 state in the country for drivers with a reckless driving offense on record.
Rank among states: #30
Percent of drivers in Massachusetts with a reckless driving offense: 1.2%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Massachusetts is the #29 state in the country for drivers with a rude driving violation on record.
Rank among states: #29
Percent of drivers in Massachusetts with a rude driving violation: 1.4%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Massachusetts is the #36 state in the country for drivers with a speeding ticket on record.
Rank among states: #36
Percent of drivers in Massachusetts with a speeding ticket: 7.2%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Massachusetts is the #37 state in the country for drivers with a failure to yield violation on record.
Rank among states: #37
Percent of drivers in Massachusetts with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Liberty Mutual
Travelers
Midvale Home & Auto
