Cheap Full-Coverage Car Insurance in Massachusetts (2026)
Massachusetts drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $71 per month.
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
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Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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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Quick Facts
Massachusetts drivers pay an average of $138 per month for full coverage.
Massachusetts’ average rate for full coverage is lower than the national average of $187 per month.
One reason Massachusetts auto insurance is relatively inexpensive is because state law limits the factors insurers can use to set rates.[1]
Cheapest full-coverage car insurance in Massachusetts
State Farm offers the cheapest full-coverage car insurance in Massachusetts, with an average rate of $71 per month. USAA and GEICO also have affordable full-coverage rates.
The following table shows the cheapest average full-coverage car insurance quotes in Massachusetts.
The below rates in Massachusetts are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $71 |
| USAA | $121 |
| GEICO | $122 |
| Safeco | $161 |
| Liberty Mutual | $181 |
| Progressive | $193 |
| Travelers | $278 |
| Amica | $378 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
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Full-coverage quotes start at $71/mo.
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How much is full-coverage insurance in Massachusetts?
Full-coverage insurance in Massachusetts costs, on average, $138 per month, which is lower than the national average of $187 per month.
In general, the value of your car and driving record affect how much you’ll pay for full coverage. Massachusetts prohibits insurers from using certain factors unrelated to your driving record, such as the ZIP code where you garage a car. Massachusetts restricts the use of credit history, gender, and marital status in rate setting, which could keep rates down for many drivers.[2]
How to find cheap full-coverage car insurance in Massachusetts
Take these steps to find the cheapest full-coverage car insurance in Massachusetts:
Compare rates. Request multiple quotes from a few different insurers. Make sure the quotes are for the same full-coverage limits and deductibles.
Bundle policies. Include the insurance company you currently use for homeowners or renters insurance in your comparison shopping. Many insurers offer discounts for bundling policies.
Look for discounts. A safe driving record, being a low-mileage driver, and insuring more than one car are just a few ways to earn discounts on your premiums.
Increase your deductible. The deductible is the amount of a claim you pay out of pocket. Setting it higher reduces the insurer’s risk, so you pay less for your coverage. But you’ll have to pay more out of pocket in the event of an accident.
Usage-based insurance. Consider whether usage-based or telematics insurance might be cheaper than a standard policy.
What full-coverage car insurance covers
Full coverage isn’t just a single insurance. Rather, it describes insurance policies with three primary types of coverage: liability, collision, and comprehensive.
Liability coverage
Liability insurance protects your assets if you cause bodily injury to others (bodily injury liability coverage) or damage their property (property damage liability coverage). It doesn’t cover your injuries or damage.
Collision coverage
Collision insurance covers damage to your car from an at-fault accident with another vehicle or with a stationary object, such as a pothole, tree, or telephone pole. It also covers rollovers, even if not caused by a collision.
Comprehensive coverage
Comprehensive insurance covers collisions with animals and non-collision incidents such as fire, flood, theft, vandalism, and fallen trees.
Full coverage in Massachusetts also includes additional compulsory coverage like personal injury protection for your medical expenses, lost wages, and replacement services, and uninsured motorist (UM) coverage for your bodily injury caused by an uninsured auto.
Car insurance requirements in Massachusetts
The following are the state minimum car insurance requirements in Massachusetts.[3]
Bodily injury liability: $25,000 for one person injured or killed in an accident you cause, and $50,000 total for two or more injuries or deaths
Personal injury protection (PIP): $8,000 for medical expenses, up to 75% of lost wages, and replacement services
Uninsured motorist coverage: $25,000 for one person injured or killed, and $50,000 total for two or more injuries or deaths
Property-damage liability: $30,000
Actual injuries and damages can total far more than the minimum required coverage. Insurance professionals recommend increasing policy limits and considering optional coverages for better protection.
Minimum vs. full-coverage car insurance in Massachusetts
Whereas liability-only insurance meets minimum requirements in many states, Massachusetts also requires personal injury protection and UM coverage. Adding collision and comprehensive insurance gives you full coverage.
Here’s a side-by-side comparison of minimum and full-coverage protections.
Factor | Minimum Coverage | Full Coverage |
|---|---|---|
| Average cost in Massachusetts | $103 | $138 |
| Covers your injuries/damage |
| Yes |
| Covers injuries/damage to others | Yes | Yes |
| Required by law | Yes | No |
| Required by lender | Yes | Yes |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
You’ll need full coverage if you have a loan on the car. Otherwise, consider it if the car is worth more than you could afford to pay out of pocket if it were totaled in a crash. Drivers with older, low-value cars might consider sticking with liability, PIP, and UM coverage only.
Is full-coverage car insurance worth it in Massachusetts?
Adding full coverage increases your insurance from an average of $103 per month to an average of $138 in Massachusetts. For many drivers, the extra protection is well worth the cost.
Massachusetts crash data reports over 81,000 car crashes year-to-date.[4] Minimum coverage doesn’t pay for damage to your car in an at-fault accident.
Say, for example, you rear-end the car in front of you while commuting to Springfield along Interstate 291. Your property-damage liability coverage pays for the other driver’s repairs after your deductible, but it doesn’t pay for yours. You need collision insurance for that.
Even a rural town like Savoy has risks, such as deer and falling trees. These are only covered if you have comprehensive insurance.
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Pros and cons of full-coverage car insurance in Massachusetts
Here are some pros and cons of full coverage in Massachusetts.
Pros
Covers collision damage you cause
Covers non-collision damage such as deer impact, floods, and theft
Satisfies lender requirements
Cons
Costs more than minimum required coverage
You’ll typically pay a deductible on claims
Claim is usually limited to depreciated value, not replacement value, if your car is a total loss
Full-coverage car insurance in Massachusetts FAQs
Learn more about full coverage for drivers insuring a car in Massachusetts.
Which companies have the lowest full-coverage rates in Massachusetts?
With an average premium of $71 per month, State Farm has the lowest average car insurance cost in Massachusetts. USAA and GEICO also have low monthly full-coverage costs.
What state-minimum coverage does Massachusetts require?
Massachusetts requires drivers to have 25/50/20 of liability coverage, 25/50/20 of uninsured motorist coverage, and $8,000 of personal injury protection.
What’s the best way to lower your car insurance premiums in Massachusetts?
The best way to lower Massachusetts car insurance premiums is usually to compare rate quotes from a few insurers. Discounts can also help you save, as can increasing your deductible to the highest amount you can afford to pay out of pocket. Keep your rates low by avoiding speeding tickets and other traffic violations.
Do you have to have full coverage if you have a car loan?
Usually, yes. Full coverage helps ensure you can pay off the loan if you damage or total the vehicle.
Sources
Methodology
Insurify data scientists analyzed more than 250 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:
- 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
- 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.
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The cheapest car insurance company in Massachusetts is State Farm, with an average monthly rate of $50 for liability-only coverage. Shop real-time quotes for Massachusetts and buy your policy all in one place with Insurify.
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Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Writer: Daria Kelly UhligHome Insurance Writer, Realtor
Qualifications:
Licensed Realtor with 10+ years in personal finance content
Contributor to Nasdaq and USA Today
Daria is a licensed Realtor and resort property manager specializing in personal finance, real estate, and insurance topics. In her spare time, she practices photography.
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Editor: MacKenzie KorrisLicensed P&C Agent, Senior Insurance Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
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.