120+ more*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average Massachusetts driver pays $109 per month for liability-only car insurance and $153 per month for full-coverage car insurance, according to Insurify data.
Liability-only auto insurance premiums in the Bay State are higher than the national average of $99 per month. But for full coverage, Massachusetts’s average rates are lower than the U.S. average of $173 per month.
The table below shows which Massachusetts car insurance companies offer the cheapest quotes for different coverage amounts and driver profiles.
Driver Category | Cheapest Insurance Company in MA | Cheapest Monthly Quote in MA |
|---|---|---|
| Overall | State Farm | $55 |
| State-minimum coverage | State Farm | $55 |
| Full coverage | State Farm | $78 |
| Drivers with a clean record | State Farm | $55 |
| After a speeding ticket | State Farm | $70 |
| After an at-fault accident | State Farm | $68 |
| After a DUI | State Farm | $80 |
| Teen/new drivers | State Farm | $109 |
| Seniors | State Farm | $40 |
Massachusetts legally requires drivers to carry a minimum amount of auto insurance, and you need to obtain coverage in order to register your car. A state minimum coverage policy in Massachusetts includes personal liability insurance, uninsured motorist insurance, and personal injury protection (PIP) since it’s a no-fault state.[1]
The cheapest insurers for liability coverage in Massachusetts include State Farm, GEICO, and USAA.
Below, you can see which companies offer cheap liability car insurance in Massachusetts.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| GEICO | $93 |
| USAA | $93 |
| Safeco | $103 |
| Progressive | $111 |
| Liberty Mutual | $145 |
| Embark | $171 |
| Allstate | $199 |
| Travelers | $213 |
| Amica | $289 |
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Mallory Mooney
Director of Sales and Client Services, Insurify
Only carrying the Massachusetts state minimum amount of coverage is the most affordable option, but it can leave you with expensive coverage gaps. If you cause an accident, you’ll be responsible for all your car’s repairs out of pocket. Having full coverage can end up saving you more in the long run.
Whether you’re driving on the Mass Pike or trying to merge onto Storrow Drive, having full coverage can protect your car in an accident. In Massachusetts, full-coverage car insurance includes collision and comprehensive insurance, and it costs an average of $153 per month. It’s more expensive than minimum coverage, but it pays for things like accidents, theft, vandalism, and hail damage.[2]
Full coverage can even pay for damages if you hit a deer, which is a pretty common event in the state. AAA Northeast reports that one deer collision occurred every 84 minutes between October and December 2024 in Massachusetts.
If you’re looking for cheap full-coverage car insurance in Massachusetts, here are some insurers to consider.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| GEICO | $132 |
| USAA | $132 |
| Safeco | $162 |
| Liberty Mutual | $181 |
| Progressive | $197 |
| Allstate | $283 |
| Travelers | $302 |
| Embark | $303 |
| Amica | $411 |
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on March 18, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Bay State drivers have many options for car insurance, but the best insurer for every driver can vary. For example, drivers who park on the street in Southie might want to prioritize the cheapest full-coverage insurer to protect against collisions.
If you live in the Berkshires, however, you might prefer an insurer with affordable roadside assistance in case you break down far from a service station. Here are some of the best car insurance companies in Massachusetts.
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $93/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. | $132/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
If you have a short commute or use the MBTA to get to work, USAA might offer you some of the cheapest auto insurance in Massachusetts. Through USAA’s SafePilot Miles program, you only pay for the distance you drive each month.
The company says you can save up to 20% for driving infrequently, plus up to 20% for demonstrating safe driving habits when you enroll in its pay-per-mile program.
Low average rates in Massachusetts
SafePilot Miles program can help low-mileage drivers get cheaper coverage
Excellent J.D. Power customer satisfaction score in New England
Must have a military affiliation to purchase coverage
Offers few endorsements besides full coverage
No local agents in Massachusetts
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| 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. | $93/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. | $132/mo |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
More than 25,000 federal employees live in Massachusetts. If you work for the federal government, GEICO can be a great car insurer to consider. The company offers 12% off premiums for eligible federal employees, both active and retired. Plus, GEICO offers many other car insurance discounts that could help you get the cheapest car insurance policy in Massachusetts.
Federal employees can earn a 12% discount on their policy
Above-average J.D. Power customer satisfaction rating in New England
Generous discounts for different driver profiles
Basic selection of add-on coverages
Few in-person agents in the Bay State
Doesn’t sell gap insurance
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| 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. | $103/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. | $162/mo |
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
Safeco offers great choices for Massachusetts drivers who want to customize their auto insurance policy or fill gaps in their standard policy. You can add new car replacement coverage, accident forgiveness, rental reimbursement, and roadside assistance.
Plus, every Safeco policy includes Claims Free Cash Back and a diminishing deductible. And if you’re in an accident, Safeco guarantees your car repairs if you use an approved shop.
Good selection of endorsements for customized coverage
Many in-person agents in Massachusetts
Backed by Liberty Mutual, a financially strong insurer
Doesn’t advertise as many discounts as competitors
No online quotes or policy sales
Poor J.D. Power rating for auto claim satisfaction
At the end of 2025, the average cost of car insurance in Massachusetts was $1,716 per year. Insurify predicts that rates will increase by 0.8% by the end of 2026, resulting in a slightly higher average premium of $1,730.
While car insurance costs in Massachusetts have risen in recent years, average rates haven’t jumped as sharply as in some neighboring states. For example, average car insurance costs in Rhode Island rose by 13% in 2025, even when the national average rate fell by 6%.
The chart below shows how car insurance costs in Massachusetts have changed over the last five years.
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Liability quotes start at $55/mo.
Auto insurance is a legal requirement in the Commonwealth of Massachusetts. To register a vehicle and legally drive, you must carry a minimum coverage policy with at least:
Bodily injury liability: $25,000 per person and $50,000 per accident
Property damage liability: $30,000 per accident
Uninsured/underinsured motorist: $25,000 per person and $50,000 per accident
Massachusetts is a no-fault state, which means drivers also have to carry PIP. A minimum coverage policy must include at least $8,000 for PIP.
Keep in mind that you might need to purchase other types of coverage, like collision insurance and comprehensive insurance, if you lease or finance a car in Massachusetts.
Car insurance rates vary depending on where you live in Massachusetts. Despite being the largest city, Boston doesn’t have the highest rates. Brockton has the most expensive car insurance in Massachusetts, followed by Worcester.
Below, you can see the average cost of car insurance in different Massachusetts cities.
City | Average Monthly Quote |
|---|---|
| Boston | $127 |
| Brockton | $224 |
| Cambridge | $116 |
| Fall River | $154 |
| Lowell | $146 |
| New Bedford | $146 |
| Quincy | $130 |
| Somerville | $121 |
| Springfield | $168 |
| Worcester | $167 |
Massachusetts drivers with a clean record usually pay the lowest car insurance premiums. For drivers with no incidents, the average liability-only premium is $109 per month, but some insurers have lower rates than others.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $49 |
| USAA | $83 |
| GEICO | $86 |
| Progressive | $97 |
| Safeco | $101 |
| Liberty Mutual | $140 |
| Embark | $150 |
| Allstate | $183 |
| Travelers | $188 |
| Amica | $264 |
Roughly 3% of drivers in Massachusetts have a speeding ticket, according to Insurify data. If you get pulled over for speeding in the Bay State, you’ll pay a fine of at least $100.[3]
Most drivers who get a speeding ticket will also see their car insurance rates increase. On average, insurance costs $163 per month in Massachusetts if you have a speeding ticket.
Below, you can see which car insurance companies in Massachusetts have the cheapest rates for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $70 |
| USAA | $120 |
| GEICO | $121 |
| Safeco | $135 |
| Progressive | $138 |
| Liberty Mutual | $184 |
| Embark | $213 |
| Allstate | $259 |
| Travelers | $276 |
| Amica | $392 |
Nearly 7% of Massachusetts drivers have an accident on their record, based on Insurify data, which is more than the national average. Under Massachusetts law, you’re liable for an accident if you’re found to be more than 50% responsible for the crash.[4]
Many drivers in the Bay State face a rate increase after a car accident when their policy renews. The average rate for a driver in Massachusetts with an at-fault accident is $149 per month.
In the following table, you can see the cheapest insurers for drivers in Massachusetts with an at-fault accident.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $68 |
| GEICO | $112 |
| USAA | $116 |
| Progressive | $126 |
| Safeco | $134 |
| Liberty Mutual | $179 |
| Embark | $194 |
| Allstate | $248 |
| Travelers | $267 |
| Amica | $366 |
In 2021, more than one-third of drivers who were hospitalized in Massachusetts after an accident were found to be under the influence of drugs or alcohol when the crash occurred.[5]
Fortunately, Massachusetts has a pretty low rate of driving under the influence (DUI) convictions: Only 0.53% of drivers have a DUI, according to Insurify. But for those people, car insurance premiums typically skyrocket after a DUI.
Insurance costs on average $187 per month for Massachusetts drivers with a DUI.
The table below shows the cheapest car insurance rates for drivers with a DUI in Massachusetts.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $80 |
| GEICO | $134 |
| USAA | $135 |
| Progressive | $158 |
| Safeco | $159 |
| Liberty Mutual | $211 |
| Embark | $244 |
| Allstate | $290 |
| Travelers | $310 |
| Amica | $430 |
Massachusetts doesn’t have an SR-22 requirement for high-risk drivers. But if another state requires you to have an SR-22, you’ll still need to find a Massachusetts insurer that will provide one so you can submit it to that state’s DMV.[6]
The average car insurance rate in Massachusetts for someone with an SR-22 on their record is $121 for liability-only insurance and $170 for full coverage.
The table below shows the cheapest rates for drivers with an SR-22 in Massachusetts.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $61 |
| GEICO | $104 |
| USAA | $104 |
| Safeco | $115 |
| Progressive | $124 |
| Liberty Mutual | $162 |
| Embark | $191 |
| Allstate | $222 |
| Travelers | $237 |
| Amica | $322 |
Monthly rates start at $66 for drivers with an incident
Teens in Massachusetts can get a driver’s license at age 16 and a half. Any driver between the ages of 16 and a half and 18 is considered a Junior Operator and must follow certain requirements.[7]
Young drivers often engage in risky driving behavior, so they usually pay expensive insurance premiums. For example, in 2020, 2,268 people were injured while in a car driven by a teen driver in Massachusetts.[8]
The average monthly car insurance rate for a teen in Massachusetts is $289 for full coverage and $206 for minimum coverage.
The table below shows the cheapest car insurance for teen drivers in Massachusetts.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $109 |
| GEICO | $170 |
| USAA | $176 |
| Progressive | $210 |
| Safeco | $211 |
| Liberty Mutual | $261 |
| Embark | $323 |
| Allstate | $401 |
| Travelers | $451 |
| Amica | $543 |
About 1.1 million Massachusetts residents who are 65 or older have an active driver’s license. The number of seniors with a license has increased by nearly 20,000 since 2022, based on data from the Massachusetts Registry of Motor Vehicles.[9]
The average cost of auto insurance for seniors in their 60s in Massachusetts is $117 per month for full coverage and $83 for liability-only insurance.
In the following table, you can see the lowest car insurance rates for drivers in their 60s in Massachusetts.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $40 |
| GEICO | $69 |
| USAA | $71 |
| Progressive | $85 |
| Safeco | $85 |
| Liberty Mutual | $114 |
| Embark | $131 |
| Allstate | $152 |
| Travelers | $159 |
| Amica | $212 |
Save up to $1,100 per year on coverage
If you’re shopping for cheap car insurance in Massachusetts, here’s some additional information that might be helpful as you compare policies and rate quotes.
Massachusetts car insurance requirements include 25/50/30 in personal liability insurance, 25/50 in uninsured motorist insurance, and $8,000 in PIP. But many drivers can benefit from adding optional car insurance coverage, like collision and comprehensive coverage.
The average monthly cost of car insurance in Massachusetts is $109 for state minimum coverage and $153 for full coverage, Insurify data shows. Actual car insurance quotes in Massachusetts can depend on factors like your city and ZIP code, driving record, age, and coverage limits.
Some of the top car insurance companies in Massachusetts are USAA, GEICO, and Safeco. To find the most affordable car insurance in Massachusetts for your situation, compare multiple insurers and get personalized quotes.
State Farm has the cheapest car insurance in Massachusetts, according to Insurify data, with an average monthly rate of $55 for liability insurance and $78 for full coverage.
No. Massachusetts car insurance companies aren’t allowed to use credit-based insurance scores when calculating auto insurance rates.[10]
Yes, Massachusetts is a no-fault state. To meet the state’s no-fault insurance laws, all drivers must carry PIP, which covers medical expenses after an accident, regardless of which driver was responsible.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
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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