Cheap Auto Insurance Quotes in Massachusetts (2021)

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Wicked Good Car Insurance

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.

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.

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. For the complete list, see Insurify's best car insurance companies.

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.

Quotes by Top Carriers
Quotes ($/mo)
$88
$100
$157
$203
AllstateGEICOLiberty MutualTravelers
Monthly $
CityCheapest Carrier
AllstateAllstate
$88/mo
AllstateAllstate
$93/mo
AllstateAllstate
$109/mo
AllstateAllstate
$89/mo
AllstateAllstate
$80/mo
AllstateAllstate
$97/mo
AllstateAllstate
$124/mo
AllstateAllstate
$94/mo
AllstateAllstate
$121/mo
AllstateAllstate
$100/mo
AllstateAllstate
$74/mo
GEICO
$102/mo
GEICO
$128/mo
GEICO
$105/mo
GEICO
$99/mo
GEICO
$104/mo
AllstateAllstate
$108/mo
AllstateAllstate
$81/mo
GEICO
$108/mo
AllstateAllstate
$81/mo
TravelersTravelers
$64/mo
TravelersTravelers
$70/mo
TravelersTravelers
$91/mo
TravelersTravelers
$85/mo
TravelersTravelers
$72/mo
TravelersTravelers
$94/mo
TravelersTravelers
$63/mo
TravelersTravelers
$61/mo
TravelersTravelers
$85/mo
TravelersTravelers
$61/mo
TravelersTravelers
$57/mo
TravelersTravelers
$67/mo

Cheapest Liability Auto Insurance in Massachusetts

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 Full Coverage Auto Insurance in Massachusetts

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.

Massachusetts Driving Facts

massachusetts

Minimum Car Insurance Requirements in MA

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:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

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:

  • $5,000 property damage liability per accident

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.

  • $8,000 personal injury protection (PIP) per person per accident

 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:  

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Cheapest Car Insurance Quotes in Massachusetts by Profile

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.

Cheap Car Insurance for Good Drivers

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

Cheap Car Insurance for Drivers with DUI

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

Cheap Car Insurance for Drivers with an At-Fault Accident

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

Cheap Car Insurance for Speeding Drivers

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

Cheap Car Insurance for Young Drivers

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

SR‌-22 Insurance in Massachusetts

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.

MA DMV Information

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:

  • Canceling your registration
  • Changing your address
  • Checking your registration status
  • Paying a citation
  • Renewing your license
  • Renewing your registration

If you’re new to the state, you can start registering your vehicle here. You’ll need:

  • Proof of insurance
  • Proof of ownership (certificate of title or registration from the previous state)
  • Correct payment

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.

Insurify Insights: How Massachusetts Drivers Measure Up

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.

Accidents Massachusetts

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.

  • Rank of States: #3
  • Percent of drivers in Massachusetts with an accident: 13.4%
  • Drivers in MA with an accident in their driving history paid on average 15.69% more than drivers with a clean record

Speeding Massachusetts

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.

  • Rank of States: #44
  • Percent of drivers in Massachusetts with a speeding ticket: 7.21%
  • Drivers in MA with a speeding ticket in their driving history paid on average 1.96% more than drivers with a clean record

DUI/DWIs Massachusetts

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.

  • Rank of States: #39
  • Percent of drivers in Massachusetts with a DUI: 1.41%
  • Drivers in MA with a DUI in their driving history paid on average -87.58% more than drivers with a clean record

Most Popular Vehicle Massachusetts

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.

Rude Massachusetts

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.

  • Rank of States: #17
  • Percent of drivers in Massachusetts with a reckless driving violation: 1.92%
  • Drivers in MA with a reckless driving violation in their driving history paid on average 6.54% more than drivers with a clean record.

Safest Drivers Massachusetts

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.

  • Rank of States: #22
  • Percent of drivers in Massachusetts with clean record: 80.71%

Street Racing Massachusetts

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.

  • Rank of States: #30
  • Percent of drivers in Massachusetts with a street racing violation: --%

Failure to Yield the Right of Way Massachusetts

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.

  • Rank of States: #35
  • Percent of drivers in Massachusetts with a failure to yield violation: 0.32%
  • Drivers in MA with a failure to yield violation in their driving history paid on average 17.65% more than drivers with a clean record

Reckless Drivers Massachusetts

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.

  • Rank of States: #44
  • Percent of drivers in Massachusetts with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership Massachusetts

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.

  • Rank of States: #7
  • Percent of drivers in Massachusetts with a hybrid/electric vehicle: 1.41%

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.

Greenes Cities

Boston

Greenes Cities
% of Hybrids / Electrics
5%
Most Patriotic City

Most Patriotic City

Brockton

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 with cars illustration

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


FAQs - Massachusetts Car Insurance

What happens if I get caught driving uninsured in Massachusetts?

If you get caught, you could face a $5,000 penalty, up to one year of jail time, and license suspension for a year. You’ll also pay a $500 fee for an assigned risk plan.

How is fault assigned after a car accident in Massachusetts?

Massachusetts is a no-fault state. That means that your own insurance company pays for damages regardless of fault or who caused the accident.

Can I drive legally in Massachusetts if I am undocumented?

It depends. If you have a legal driver’s license from your home country or one from the 15 states that issue licenses to undocumented immigrants, then you can. Undocumented, permanent state residents cannot legally drive in Massachusetts.

Who has the cheapest car insurance in Massachusetts?

The best way to find the cheapest car insurance for Massachusetts drivers is to compare quotes from the insurance providers available in your area. Find a car insurance quote comparison tool like Insurify to compare up to 10+ real quotes for your driver profile and unlock savings and car insurance discounts. Rates can vary based on your driving history and personal profile, but you should be able to find a competitive price. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

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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