Cheapest Car Insurance Quotes in Massachusetts
State Farm offers the cheapest liability insurance to Massachusetts drivers, averaging $50 per month.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
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Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
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.
)
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.
)
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Massachusetts car insurance at a glance
Cheapest car insurance company in Massachusetts: State Farm
Cheapest car insurance rate in Massachusetts: $50
Average monthly liability-only car insurance cost in MA: $103
Average monthly full-coverage car insurance cost in MA: $137
Cheapest car insurance quotes in Massachusetts
The cheapest car insurance companies in Massachusetts are State Farm, USAA, and GEICO. To find the cheapest car insurance in Massachusetts, Insurify collected sample rate quotes for a driver with a clean record and good-to-excellent credit.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev)
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $50 | $71 |
| USAA | $84 | $120 |
| GEICO | $85 | $121 |
| Safeco | $102 | $162 |
| Progressive | $115 | $193 |
| Liberty Mutual | $125 | $181 |
| Bristol West | $166 | $285 |
| Travelers | $193 | $275 |
| Amica | $263 | $374 |
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.
Best-rated insurance companies in Massachusetts
Drivers in Massachusetts have a variety of choices for car insurance. But the best insurer is different for every driver. Below are some of the best car insurance companies in Massachusetts based on actual user reviews.
Best for full coverage: GEICO
| User Reviews | 4.0 |
|---|---|
| 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. | $85/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. | $121/mo |
4.0
Best choice in MassachusettsBased on 21,073 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about GEICO
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.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 41 reviews from Massachusetts driversSee all 8,255 GEICO reviews
Verified Purchase
Reviewed in Massachusetts on September 22, 2026
So far, so good. Very helpful when signing on.
Verified Purchase
Reviewed in Massachusetts on September 22, 2026
Terrific so far, but I’m anxiously awaiting what it will be like when it’s time for renewal.
Verified Purchase
Reviewed in Massachusetts on September 21, 2026
Great! The only thing I’m sad about is that I did it all online. It went so well and I saved money, so I referred my coworker. He went in person to a local agent and got a gift bag with goodies and a little gecko. I’m so jealous I didn’t get the little GEICO gecko as well. Other than that, I’m very pleased.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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++
Why we picked this company
GEICO has some of the cheapest average full-coverage rates for drivers in Massachusetts, and it offers more than a dozen car insurance discounts for deeper savings.
Pros
Low full-coverage rates in Massachusetts
Excellent customer satisfaction score from J.D. Power
Many auto insurance discounts
Cons
Must be at least 55 to qualify for a driver training discount
Doesn’t sell gap insurance
Most in-person agents are concentrated in the Boston area
Best for minimum coverage: USAA
| 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. | $84/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. | $120/mo |
4.9
Best choice in MassachusettsBased on 4,384 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
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.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 10 reviews from Massachusetts driversSee all 1,713 USAA reviews
Verified Review
Reviewed in Massachusetts on September 21, 2026
Amazing.
Verified Review
Reviewed in Massachusetts on September 6, 2026
I was with AAA until I learned that USAA canceled my policy on August 24. I don’t recall ever giving them the right to do that. However, I was told that I had two accidents listed on my MVR, which caused my premium to increase from $132 to $289 per month. That’s more than I could ever imagine. I’m a senior citizen on a fixed income, and this is really going to make things very hard for me financially.
The accident listed as “minor” was appealed, and I was found not guilty. The “major” accident was caused by an uninsured driver. It’s my hope that a way can be found to lower my rate.
Also, while I was shopping around before USAA, I was told that this policy will lapse on September 11. Could someone please let me know if that is true as soon as possible? Thank you.
Verified Review
Reviewed in Massachusetts on July 20, 2026
Not sure why, but I’m going to be 71 years old in August and have an excellent driving record. It’s costing me $174.00 each month for insurance for my 2008 Ford Fusion.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
741
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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++
Why we picked this company
USAA is one of the cheapest insurers for liability-only insurance in the Bay State. It only insures military families, so it could be a good choice for drivers working at Hanscom Air Force Base, the 102nd Intelligence Wing in Buzzards Bay, or the 104th Fighter Wing in Westfield.
Pros
Liability premiums are cheaper than the statewide average
High J.D. Power customer satisfaction rating in New England
Offers two usage-based insurance programs
Cons
Available only to eligible military personnel and their families
No in-person agents in Massachusetts
Bundling discount is smaller than some competitors
Best for savings: Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 620 |
|---|---|
| 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. | 8.7 /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. | $115/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. | $193/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 27 reviews from Massachusetts driversSee all 9,174 Progressive reviews
Verified Review
Reviewed in Massachusetts on September 30, 2026
Worst claim process ever. If you have any claims with them, at-fault or not, they raise your rate even when you’re not at fault. I’ve been loyal to them for close to 10 years and have had my license for 10 years, yet every year my rate increases even with a great driving record.
Verified Review
Reviewed in Massachusetts on August 22, 2026
They make absolutely no effort to try to help you. It’s cut and dry: pay or get canceled. And the rate seems to be going up all the time!
Verified Review
Reviewed in Massachusetts on August 5, 2026
Got penalized for being loyal. My premium more than doubled—about 100% higher than the nearest competitor at renewal—so I decided to switch. There’s no point in staying.
It feels like the same old game: once a customer stays for 2+ years, the rates go through the roof, assuming customers will just pay.
I’m tired of these games by insurance companies.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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+
Why we picked this company
Progressive offers 16 auto insurance discounts that could help you get a more affordable premium, with options for teen drivers, getting a quote online, bundling policies, having continuous insurance, and others. Plus, in-person agents are available across the state if you like a more customized experience.
Pros
Big selection of car insurance discounts
Easy to build a policy that fits your budget
10 car insurance endorsements available
Cons
Higher rates than the Massachusetts average
Below-average J.D. Power customer satisfaction rating in New England
Some discounts can’t be combined
Best for customer service: Amica
| User Reviews | 4.5 |
|---|---|
| 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. | 8.6 /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. | $263/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. | $374/mo |
4.5
Best choice in MassachusettsBased on 204 verified driver reviews and ratings
Amica's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best in Massachusetts for
Showing 5 reviews from Massachusetts driversSee all 107 Amica reviews
Verified Review
Reviewed in Massachusetts on September 19, 2026
Excellent, very professional and knowledgeable staff.
Verified Review
Reviewed in Massachusetts on March 23, 2026
Amica is great. Customer service and claims both have great communication. It's just too pricey for my budget right now.
Verified Review
Reviewed in Massachusetts on March 1, 2026
Easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
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+
Why we picked this company
Amica is the top-rated insurer in New England for overall customer satisfaction in the J.D. Power U.S. Auto Insurance Study. Customers also gave Amica a high rating on Trustpilot.
Pros
Highest J.D. Power customer satisfaction rating in New England
Receives few complaints for car insurance
Dividend policies can return up to 20% of your premium
Cons
Rates are much higher than the state’s average
Only two branch locations in Massachusetts
Dividend policies typically have higher rates than non-dividend policies
How we chose the best companies
We evaluated insurers operating in Massachusetts using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Massachusetts drivers, including hurricane exposure, urban congestion, vehicle theft trends, and the availability of local agents throughout the state.
How much is car insurance in Massachusetts?
The average cost of car insurance in Massachusetts is $137 per month for full coverage and $103 for liability-only coverage. To compare, the U.S. national average is $187 for full coverage and $99 for minimum coverage.
One factor that affects the cost of auto insurance in the Bay State is the higher minimum insurance limits. Massachusetts is a no-fault state, and drivers are required to carry personal injury protection (PIP) in addition to standard bodily injury and property damage liability insurance.[1]
Find Cheap Car Insurance in Massachusetts
Liability quotes start at $50/mo.
Excellent
4.7 out of 5 based on 17,610 reviews
Secure. Free. Easy-to-use.
Average car insurance quotes in Massachusetts cities
Massachusetts car insurance premiums vary depending on your city and ZIP code. Below, you can see the average quotes in different Massachusetts cities.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Cambridge | $79 | $119 |
| Boston | $92 | $124 |
| Somerville | $99 | $118 |
| Quincy | $102 | $137 |
| Lowell | $108 | $140 |
| Worcester | $117 | $181 |
| New Bedford | $118 | $158 |
| Fall River | $121 | $180 |
| Springfield | $138 | $174 |
| Brockton | $173 | $231 |
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.
Some cities have more expensive rates than others due to factors like accident frequency and vehicle theft. These are the top five most expensive cities for car insurance in Massachusetts.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Worcester | $117 | $181 |
| New Bedford | $118 | $158 |
| Fall River | $121 | $180 |
| Springfield | $138 | $174 |
| Brockton | $173 | $231 |
On-the-spot guidance from licensed insurance experts
)
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
)
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Brett ClendenenLicensed P&C Insurance Agent and Sales Manager
Qualifications:
Licensed property and casualty insurance agent
15+ years of insurance experience
Brett has 15+ years of experience in personal and commercial insurance. As a sales manager at Insurify, Brett leads a high-performing sales team, ensuring they achieve key sales targets while maintaining high-quality work.
)
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Britney BalkLicensed P&C Agent and Customer Service Supervisor
Qualifications:
Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Why you should compare car insurance quotes in Massachusetts
Car insurance rates in Massachusetts are different for every driver. Insurers consider a variety of factors when calculating rates, and companies charge different rates for the same coverage.
To find the most affordable car insurance for your situation, it’s a good idea to compare quotes from a few insurers.
Here are some tips for getting the most accurate auto insurance quotes:
Use the same limits. Get quotes for the same coverage types and policy limits, including add-ons, like uninsured/underinsured motorist coverage.
Pay attention to deductibles. Use the same deductibles when getting a full-coverage quote. A higher deductible can give you a cheaper quote.
Give accurate information. Provide accurate information about your driving record and annual mileage.
Use your VIN. Use your car’s vehicle identification number (VIN), not just the make and model.
Add drivers. Add all the people in your household who will be driving the car to the quote.
Massachusetts car insurance requirements
Massachusetts requires drivers to carry a minimum amount of car insurance to legally drive.
Massachusetts has similar car insurance requirements to many other states. One difference is that Massachusetts is a no-fault state, so it requires PIP. PIP insurance covers medical expenses and 75% of lost wages for you and your passengers if you get into an accident, no matter which driver was responsible.
If you can’t find car insurance on the voluntary market, you can get a policy through the Massachusetts Auto Insurance Plan (MAIP). Insurance rates through the MAIP are typically higher than rates on the private market, but the coverage is similar and can help you avoid a lapse.[2]
Agent Tip
“Getting enough insurance to meet the Massachusetts state minimum will be the cheapest option. But it’s worth considering full coverage if you commute into Boston for work, live in a particularly snowy area, or have a teen driver.”
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Britney BalkLicensed P&C Agent and Customer Service Supervisor
How to find the cheapest Massachusetts car insurance
Comparing car insurance quotes is one of the most effective ways to find cheap car insurance in Massachusetts. Here are some other ways to find affordable coverage:
Maintain a clean driving record.
Take a driver training or defensive driving course.
Bundle car insurance with a homeowners or renters insurance policy.
Find out if you qualify for car insurance discounts.
Raise your deductibles on a full-coverage policy.
Drop optional coverages you don’t need, like roadside assistance or medical payments coverage.
Shop for Car Insurance in Massachusetts
Full-coverage quotes start at $71/mo.
Excellent
4.7 out of 5 based on 17,610 reviews
Secure. Free. Easy-to-use.
Find quotes for your driver profile
Car insurance premiums depend on your unique driver profile. High-risk drivers, like teens and drivers with at-fault accidents, often pay higher rates than people with a clean record.
Here are some resources you can use to understand how car insurance rates vary based on your driving record, age, coverage type, and other factors.
Massachusetts car insurance quotes by coverage
Gap Insurance in Massachusetts
Car Insurance for High-Risk Drivers in Massachusetts
Rideshare Insurance in Massachusetts
How car insurance costs have changed in Massachusetts
In the first half of 2026, Massachusetts had one of the biggest decreases in average car insurance rates, according to an Insurify report. Premiums fell 5%, or about $86 per year. By the end of 2026, premiums are forecasted to fall 4% year-over-year, to an average annual rate of $1,713.
Massachusetts car insurance prices could be easing because the accident rate is declining. In 2025, Massachusetts reported 130,924 crashes, down from 135,441 in 2024. So far in 2026, the state reported 82,353 accidents.[3]
Massachusetts car insurance FAQs
If you’re shopping for the best car insurance in Massachusetts, here’s some additional information that could be helpful as you compare policies.
Which car insurance is required in Massachusetts?
Massachusetts requires 25/50/30 for personal liability insurance, 25/50 for uninsured motorist bodily injury coverage, and $8,000 in PIP.
Why is car insurance so high in MA?
Car insurance rates in Massachusetts can be expensive because the state has higher minimum-coverage requirements than some other states. Additionally, Massachusetts is one of the most densely populated states, with about 917 people per square mile, according to the U.S. Census Bureau.
Is Massachusetts a no-fault state?
Yes. Massachusetts is a no-fault state, and drivers are required to carry PIP, which is sometimes called no-fault insurance.
Which car insurance company offers the cheapest coverage in MA?
State Farm is the cheapest car insurance company in Massachusetts, with an average monthly rate of $50 for liability-only coverage.
How does PIP coverage work in Massachusetts?
PIP in Massachusetts covers medical expenses and up to 75% of lost income if you get into an accident, regardless of which driver causes the crash. PIP also covers your passengers, pedestrians, people living in your house, and people who borrow your car.
What factors affect the cost of car insurance in Massachusetts?
Massachusetts car insurance companies use a variety of rating factors to set premiums, like your driving record, years of driving experience, and vehicle type. It’s illegal for Massachusetts insurers to use certain personal factors, like credit, gender, marital status, or age, when determining rates.
How can you lower car insurance costs in Massachusetts?
To get cheaper car insurance in Massachusetts, you can look for discounts, raise your deductibles for collision and comprehensive coverage, take a defensive driving course, bundle your auto and home insurance, and compare online quotes from multiple insurance companies.
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
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The cheapest auto insurer for Massachusetts high-risk drivers is USAA, with an average monthly liability premium of $104.
)
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Massachusetts Windshield Replacement Guide
Massachusetts doesn’t require windshield coverage. But if you have comprehensive insurance, you can add an optional lower glass deductible to your policy.
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.
Cheap Full-Coverage Car Insurance in Massachusetts
Massachusetts drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $71 per month.
Massachusetts Car Insurance Laws
You must carry four types of coverage in Massachusetts. Driving uninsured can result in fines, a license suspension, and even jail time.
How Much Is Car Insurance in Massachusetts?
Drivers in Massachusetts pay an average of $1,439 per year for car insurance.
)
Cheapest Auto Insurance in Boston, Massachusetts
State Farm offers the cheapest car insurance in Boston, with minimum-coverage policies as low as $45 per month.
)
Cheap Car Insurance Quotes in Brockton, Massachusetts (October 2026)
State Farm offers the best car insurance prices for Brockton drivers, averaging $84 per month for a liability policy. High rates of auto theft and vehicle accidents make Brockton one of Massachusetts’ most expensive cities for car insurance.
)
Cheapest Auto Insurance in Cambridge, Massachusetts
With monthly liability-only rates as low as $51, Midvale Home & Auto is the cheapest car insurance company in Cambridge.
)
Cheapest Auto Insurance in Fall River, Massachusetts
State Farm offers the cheapest car insurance in Fall River, with minimum-coverage policies as low as $63 per month.
)
Cheap Car Insurance Quotes in Lowell, Massachusetts (October 2026)
Lowell drivers often find the cheapest rates with State Farm, with liability policies averaging $52 per month. The city’s midsize population and flood risk may contribute to above-average costs.
)
Best Cheap Auto Insurance in New Bedford, Massachusetts
Full coverage is relatively expensive in New Bedford. Finding the right car insurance company can save you hundreds of dollars each year on your policy.
)
Cheapest Auto Insurance in Quincy, Massachusetts
State Farm has the cheapest car insurance in Quincy, with a liability insurance rate of $50 per month.
)
Cheapest Auto Insurance in Somerville, Massachusetts
With a monthly liability-only rate of $45, State Farm is the cheapest car insurance company in Somerville.
)
Best Cheap Auto Insurance in Springfield, Massachusetts
GEICO has some of the cheapest car insurance in Springfield, but your exact premium will depend on a variety of personal factors.
)
Best Cheap Auto Insurance in Worcester, Massachusetts
Drivers in Worcester pay 19% less for car insurance than the national average.
Writer: Elizabeth RivelliFreelance Insurance Writer
Writer: Elizabeth RivelliFreelance Insurance Writer
Qualifications:
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.
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.
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Data reviewer: Konstantin HalachevVP of Engineering & Data Science
Qualifications:
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.