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Car Insurance

Massachusetts: Cheapest car insurance

Whether you’re moving to Massachusetts or looking for a new carrier, you’ll want to compare quotes and read our list of cheapest cities to drive in order to save the most money on auto insurance.

Known as "The Bay State", Massachusetts is rich with early American history and fanatic sports fans of the Boston Red Sox and New England Patriots. Massachusetts not only has world class sports teams, but is also considered to have the top universities in the world---a state of true brains and bronze. So whether you’re moving to Massachusetts to get an education or you’re just looking for a new provider you’ll want to compare quotes to find the best deal on car insurance so you can look wicked smaht.

The state average for car insurance in Massachusetts is $1,350/year

Even with this average you can end up spending more or less depending on where you live and which provider you choose. As with any state, costs vary greatly in Massachusetts with a range of about $1,110 between large scale urban cities and small suburban towns. Keep in mind that there is a correlation between urban areas and higher insurance premiums. Typically a higher population leads to more car accidents and thefts, so insurance providers raise their premiums to cover the cost of a high amount of claims. If the cost of car insurance is a deciding factor in where you make your move, then you’ll want to consult the list below.

The cheapest cities in Massachusetts to insure your vehicle:

  1. Nantucket - $1,015

  2. Sudbury - $1,026

  3. Concord - $1,029

  4. Westford - $1,036

  5. Pepperell - $1,039

  6. Medfield - $1,040

  7. Groton - $1,040

  8. Maynard - $1,041

  9. Medway - $1,041

  10. Northborough - $1,043

Based on the above listing, you'll be able to estimate how much your insurance will be in these and surrounding cities. The prices were gained through extensive research, by ValuePenguin, based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

Massachusetts is a no fault state and therefore requires you to carry PIP insurance. So while you’re shopping around, remember that you must carry the state minimum coverage that includes liability to cover your own medical and property damage expenses regardless of whether or not you were at fault. The state minimum has been set at 20/40/5 which includes: $20,000 coverage for bodily injury per person, $40,000 total coverage for bodily injury per accident, and $5,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.