Cheap Car Insurance for Low-Income Drivers in Massachusetts
State Farm has the cheapest liability car insurance in Massachusetts, with an average rate of $50 per month.
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Writer: Lindsay FrankelInsurance Writer
Writer: Lindsay FrankelInsurance Writer
Qualifications:
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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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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What is low-income car insurance in Massachusetts?
Massachusetts doesn’t offer a specific type of car insurance policy for low-income drivers. Only a few states, like California, offer low-income plans.
But Massachusetts drivers can save money by choosing affordable coverage options, comparing quotes, maintaining a clean driving record, qualifying for discounts, or buying coverage through eligible employers, associations, or groups.
Massachusetts law requires drivers to carry liability coverage, uninsured motorist (UM) coverage, and personal injury protection.[1] Full-coverage insurance is optional, but it covers damage to your own vehicle. If you have an old vehicle, you may opt for minimum coverage in Massachusetts to help you save on your monthly car insurance premium.
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Cheapest car insurance in Massachusetts
The cheapest car insurance company in Massachusetts is State Farm, with an average monthly premium of $50. But car insurance rates in Massachusetts vary based on several factors, including the coverage level you choose. The average cost of car insurance in Massachusetts for liability-only coverage is $103 per month.
Full-coverage rates in Massachusetts are more affordable than the national average, according to Insurify data. The Bay State has a low rate of uninsured drivers and one of the lowest traffic-fatality rates in the nation, according to the Insurance Institute for Highway Safety (IIHS).[2]
Liability coverage rates in Massachusetts are more in line with the national average. As a no-fault state, Massachusetts has more robust minimum car insurance requirements than other states, including PIP coverage and higher property damage liability limits.
Car insurance premiums in Massachusetts also vary by location. For example, car insurance in Brockton is more expensive, partly due to the town’s high rate of motor vehicle theft, than car insurance in Cambridge, which is one of the least car-dependent cities in the nation.
The following table shows the cheapest liability car insurance rates in Massachusetts.
The below rates in Massachusetts are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only |
|---|---|
| State Farm | $50 |
| USAA | $85 |
| GEICO | $86 |
| Safeco | $102 |
| Progressive | $115 |
| Liberty Mutual | $124 |
| Travelers | $195 |
| Embark | $208 |
| Amica | $265 |
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.
Car insurance options for low-income drivers in Massachusetts
Massachusetts doesn’t offer a low-cost state-sponsored car insurance plan. But low-income drivers can find cheap premiums by comparing car insurance quotes from multiple licensed insurers in Massachusetts. Make sure to use identical information and coverage limits for each quote.[3] You can get direct quotes, ask an agent or broker, or use a quote-comparison site.
If you’re a high-risk driver who can’t find a company to write you an auto insurance policy voluntarily, you can apply for the Massachusetts Auto Insurance Plan (MAIP). You’ll receive an assignment to an insurer in the involuntary market. The plan won’t save you money, but your premium will be capped at the MAIP rate, which is typically higher than the voluntary market rate.[4]
High-risk and low-income drivers can also save money by getting quotes from non-standard insurers and companies with affordable rates for drivers with violations.
Here are a few insurance companies to consider in Massachusetts:
GEICO: The insurer offers affordable average premiums for Massachusetts drivers with accidents, operating under the influence (OUI) convictions, and speeding tickets on their driving record.
MAPFRE: Its telematics program can potentially help you save money on your premium based on safe driving behavior.
USAA: Military members in Massachusetts can earn special discounts.
The General: The company specializes in high-risk coverage for drivers with past driving incidents or limited insurance history.
Minimum car insurance requirements in Massachusetts
Massachusetts law requires that drivers have the following types of coverage:
Bodily injury liability coverage: Bodily injury liability coverage protects you from legal liability if you accidentally injure or cause the death of someone while driving your car.
Property damage liability coverage: Property damage liability covers the cost to repair or replace another party’s damaged property if you cause an accident.
Personal injury protection (PIP): Similar to medical payments coverage in other states, PIP can cover medical bills, lost wages, and replacement services if you or someone else driving your car sustains injuries in an accident, regardless of fault.
Bodily injury uninsured motorist coverage: Uninsured motorist insurance covers medical expenses for you, anyone else driving your car, and your passengers in the event of a hit-and-run, or if an uninsured driver causes an accident.
Choosing state-minimum coverage can save you money on car insurance, but you’ll be left vulnerable to certain risks. For example, Massachusetts ranked No. 30 for its rate of motor vehicle theft relative to its population size in 2025, based on Insurify data. Only comprehensive coverage pays to replace stolen cars, which a minimum-coverage policy doesn’t include.
Liability insurance also won’t pay for damage to your own vehicle when you cause an accident. If you finance your car, your lender or lessor will likely require you to have comprehensive and collision coverage in Massachusetts.
The table below shows the minimum limits you need to meet the Massachusetts minimum auto insurance requirements.
Coverage | Minimum Requirement | What It Covers |
|---|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident | Injuries or death to others in Massachusetts |
| Personal injury protection | Up to $8,000 | Medical expenses, lost wages, and replacement services |
| Bodily injury uninsured motorist coverage | $25,000 per person/$50,000 per accident | Injuries to people in your car or household after an accident with an uninsured or unknown driver |
| Property damage liability | $30,000 per accident | Damage to someone else’s property that a driver in your car causes in an accident |
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What affects car insurance rates in Massachusetts?
It’s important to keep in mind what factors affect car insurance rates in Massachusetts. Learn more below:
Winter weather: Snow and ice during winter storms increase the risk of vehicle damage in Massachusetts.
Uninsured driver rate: Massachusetts has a relatively low rate of uninsured drivers (8.8%), which helps keep premiums lower for everyone. But the state still requires UM coverage, which increases liability-only insurance rates.
Long commute: Massachusetts has an average commute time of 29 minutes, which is three minutes longer than the U.S. average. Residents of Boston and its suburbs have even longer average commute times. Spending more time in traffic each day increases the likelihood of claims and raises costs.
Traffic fatality rate: Despite traffic and weather conditions, the traffic fatality rate in Massachusetts is lower per 100 million miles driven than in any other state in the country, according to IIHS data. This may help keep premiums lower than average.
Low-income car insurance in Massachusetts FAQs
If you still need help finding cheap car insurance in Massachusetts, check out these questions low-income residents often ask about buying auto insurance in the Bay State.
What’s the cheapest car insurance in Massachusetts?
State Farm and USAA offer the cheapest car insurance in Massachusetts on average, according to Insurify data. But it’s wise to shop around to find the best car insurance in Massachusetts for your needs. Many Massachusetts insurers also offer car insurance discounts to people affiliated with certain employers, associations, and trade groups, so check if you’re eligible for group savings.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state. All drivers must carry PIP coverage, which covers medical expenses for you and your passengers regardless of fault. But the no-fault law only applies to injuries; the other driver can still file a claim against your property damage liability policy if you cause vehicle damage in an at-fault accident.[5]
Can you get cheaper car insurance if you’re on EBT in Massachusetts?
No. An EBT card doesn’t give you access to insurance discounts in Massachusetts. But you can save money by comparing quotes, opting for state minimum or limited collision coverage, and choosing a high deductible. You can also save by bundling your home and auto insurance, or taking advantage of savings opportunities like good student discounts and defensive driving course discounts.
What’s the cheapest full-coverage car insurance in Massachusetts?
State Farm has the cheapest full-coverage car insurance in Massachusetts, with an average monthly premium of $71, based on Insurify data. But the lowest rate for you will depend on the traffic violations on your driving record and other factors.
Sources
- Massachusetts Division of Insurance. "Basics of Auto Insurance."
- Insurance Institute for Highway Safety. "Fatality Facts 2024 State by state."
- Massachusetts Division of Insurance. "It Pays To Shop Around."
- Massachusetts Division of Insurance. "Massachusetts Auto Insurance Plan (MAIP)."
- NOLO. "Massachusetts Car Insurance Requirements."
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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Writer: Lindsay FrankelInsurance Writer
Writer: Lindsay FrankelInsurance Writer
Qualifications:
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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.