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Cheapest Car Insurance in Massachusetts (2025)
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Content was accurate at the time of publication.
Best cheap car insurance in Massachusetts
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Find the Cheapest Car Insurance Quotes in Massachusetts
Cheapest full-coverage car insurance in Massachusetts: Geico
Massachusetts drivers looking for the cheapest full-coverage car insurance should go to Geico, where rates average $1,320 a year, or $110 a month.
Safety is next-cheapest for full-coverage policies, with an average rate of $112 a month.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Geico | $1,320 |  |
 | Safety | $1,339 | Not rated |
 | Plymouth Rock | $1,353 |  |
 | Arbella | $1,694 | Not rated |
 | Progressive | $1,720 | |
 | Farmers | $2,124 |  |
 | Hanover | $2,224 |  |
 | Travelers | $2,390 | |
 | USAA* | $1,495 | |
Both Geico and Safety offer similar full-coverage car insurance rates. Geico has more discounts than Safety does, giving you more chances to save. However, Safety has a higher customer satisfaction rating.
To find out which one will give you the best offer, compare car insurance quotes from a few companies before you renew or buy a policy.
Massachusetts’ cheapest liability-only insurance: Geico
Geico also has the cheapest liability car insurance rates in Massachusetts at $430 a year, or $36 a month. Plymouth Rock is right behind Geico, with rates that average $38 a month.
Cheapest companies for minimum coverage
| Company | Annual rate |
|---|---|
| Geico | $430 |
| Plymouth Rock | $455 |
| Hanover | $518 |
| Farmers | $547 |
| Safety | $577 |
| Arbella | $630 |
| Travelers | $908 |
| Progressive | $958 |
| USAA* | $489 |
These rates are only averages. Your own car insurance quote is based on many factors, including:
- Make and model of your car
- ZIP code
- Your claim history
Insurers weigh risks differently when coming up with your quote. For example, one company may think your claim history is a bigger risk than another does, and charge you a higher rate. This is why comparing car insurance quotes can help you get the best rate.
Find the Cheapest Car Insurance Quotes in Massachusetts
Best car insurance for teens in Massachusetts: Plymouth Rock
Teen drivers in Massachusetts can get the cheapest car insurance from Plymouth Rock for both liability-only ($1,053 a year) and full-coverage ($3,015 a year) policies.
USAA has the state’s second-cheapest rates for teen drivers, but only members of the military and their families qualify.
Cheapest companies for teens
| Company | Liability only | Full coverage |
|---|---|---|
| Plymouth Rock | $1,053 | $3,015 |
| Geico | $1,247 | $3,881 |
| Hanover | $1,683 | $7,302 |
| Travelers | $1,780 | $4,780 |
| Farmers | $1,874 | $6,957 |
| Safety | $2,219 | $5,028 |
| Arbella | $2,246 | $5,843 |
| Progressive | $2,518 | $5,340 |
| USAA* | $1,087 | $3,244 |
Parents needing cheap car insurance for teens should add them to their current policy. Your rates will go up, but it should still be cheaper than if you each had separate car insurance policies.
Cheap Massachusetts auto insurance with a ticket: Geico
Drivers in Massachusetts needing cheap car insurance after a speeding ticket get the best rate with Geico at around $1,453 a year, or $121 a month. Safety comes in second at $140 a month.
You can expect your car insurance rate to go up around 29% after getting a speeding ticket in Massachusetts.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Geico | $1,453 |
| Safety | $1,684 |
| Arbella | $1,694 |
| Plymouth Rock | $1,946 |
| Progressive | $2,220 |
| Farmers | $2,672 |
| Travelers | $3,151 |
| Hanover | $3,642 |
| USAA* | $1,734 |
Best Massachusetts car insurance after an accident: Plymouth Rock
At $1,542 a year, or $129 a month, Plymouth Rock has the cheapest full-coverage car insurance after an accident for Massachusetts drivers. Geico has the second-cheapest rates after an accident at $159 a month.
An at-fault accident causes your car insurance rate to go up around 52% in Massachusetts.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| Plymouth Rock | $1,542 |
| Geico | $1,906 |
| Arbella | $1,948 |
| Safety | $2,039 |
| Progressive | $2,447 |
| Travelers | $3,894 |
| Farmers | $3,910 |
| Hanover | $3,964 |
| USAA* | $2,130 |
Best insurance for MA teens with a bad driving record: Geico and Plymouth Rock
Teens in Massachusetts with bad driving records get the cheapest car insurance rates from Geico and Plymouth Rock.
- Geico’s average rate for teens with a speeding ticket on their records is $1,247 a year.
- Plymouth Rock’s average rate for teens after an accident is $1,157 a year.
Cheapest companies for teens with a bad record
| Company | Ticket | Accident |
|---|---|---|
| Geico | $1,247 | $1,536 |
| Plymouth Rock | $1,268 | $1,157 |
| Farmers | $1,972 | $2,413 |
| Travelers | $2,105 | $2,697 |
| Hanover | $2,174 | $2,247 |
| Safety | $2,219 | $2,598 |
| Arbella | $2,246 | $2,534 |
| Progressive | $2,736 | $2,824 |
| USAA* | $1,547 | $2,089 |
Find the Cheapest Car Insurance Quotes in Massachusetts
Cheap auto insurance after a DUI in Massachusetts: Plymouth Rock
With an average rate of $2,003 a year, or $167 a month, Plymouth Rock offers the best cheap car insurance with a DUI in Massachusetts. Progressive is nearly as cheap, with average rates of $169 a month.
Although Plymouth Rock and Progressive have similar rates, Progressive offers many more discounts that could help you save when looking for car insurance after a DUI.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Plymouth Rock | $2,003 |
| Progressive | $2,027 |
| Geico | $2,171 |
| Arbella | $2,843 |
| Safety | $2,989 |
| Hanover | $3,289 |
| Travelers | $3,661 |
| Farmers | $4,532 |
| USAA* | $3,642 |
A DUI conviction often leads to fines, jail time and the suspension of your driver’s license. You can also expect your car insurance rates to increase about 73% after a DUI in Massachusetts.
Best car insurance companies in Massachusetts
Safety and Geico are the best car insurance companies in Massachusetts.
Geico and Safety have the best customer satisfaction ratings of the companies we surveyed. While Geico’s is slightly worse than average, this isn’t uncommon for companies of its size.
Of the two companies, though, Geico offers the cheaper rates for most drivers in Massachusetts. It also has a better financial strength rating from AM Best.
Massachusetts car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Arbella | 617 | A | Not rated |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Hanover | 631 | A | |
| Plymouth Rock | 618 | A- | |
| Progressive | 622 | A+ | |
| Safety | 663 | A | Not rated |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
If customer satisfaction is important, make sure you get a quote from Safety. Its rates are above the state average, but its discount offerings could save you a lot. Safe drivers can save up to 24% off their rate with Safety’s Excellent Driver Plus plan.
While USAA is rated in the J.D. Power 2024 U.S. Auto Insurance Study, it is not ranked due to only serving members of the military and their families.
Massachusetts insurance rates by city
Gill is the Massachusetts city with the cheapest car insurance rates at $1,363 a year. Roxbury is the most expensive city for car insurance in the state at $3,241 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Abington | $1,906 | 12% |
| Accord | $1,720 | 1% |
| Acton | $1,449 | -15% |
| Acushnet | $1,820 | 7% |
| Acushnet Center | $1,855 | 9% |
| Adams | $1,372 | -19% |
| Agawam | $1,792 | 6% |
| Allston | $2,102 | 24% |
| Amesbury Town | $1,602 | -5% |
| Amherst | $1,662 | -2% |
| Amherst Center | $1,715 | 1% |
| Andover | $1,589 | -6% |
| Arlington | $1,684 | -1% |
| Arlington Heights | $1,699 | 0% |
| Ashburnham | $1,500 | -11% |
| Ashby | $1,516 | -11% |
| Ashfield | $1,395 | -18% |
| Ashland | $1,728 | 2% |
| Ashley Falls | $1,486 | -12% |
| Assonet | $1,737 | 2% |
| Athol | $1,543 | -9% |
| Attleboro | $1,697 | 0% |
| Attleboro Falls | $1,651 | -3% |
| Auburn | $1,744 | 3% |
| Auburndale | $1,813 | 7% |
| Avon | $2,088 | 23% |
| Ayer | $1,550 | -9% |
| Babson Park | $1,824 | 8% |
| Baldwinville | $1,498 | -12% |
| Barnstable | $1,688 | 0% |
| Barre | $1,552 | -8% |
| Becket | $1,519 | -10% |
| Bedford | $1,585 | -6% |
| Belchertown | $1,565 | -8% |
| Bellingham | $1,597 | -6% |
| Belmont | $1,615 | -5% |
| Berkley | $1,762 | 4% |
| Berkshire | $1,509 | -11% |
| Berlin | $1,470 | -13% |
| Bernardston | $1,375 | -19% |
| Beverly | $1,701 | 0% |
| Billerica | $1,679 | -1% |
| Blackstone | $1,625 | -4% |
| Blandford | $1,551 | -9% |
| Bliss Corner | $1,857 | 10% |
| Bolton | $1,516 | -11% |
| Bondsville | $1,665 | -2% |
| Boston | $2,073 | 22% |
| Bourne | $1,654 | -2% |
| Boxborough | $1,452 | -14% |
| Boxford | $1,608 | -5% |
| Boylston | $1,615 | -5% |
| Braintree Town | $1,966 | 16% |
| Brant Rock | $1,773 | 5% |
| Brewster | $1,412 | -17% |
| Bridgewater | $1,775 | 5% |
| Brighton | $2,075 | 22% |
| Brimfield | $1,549 | -9% |
| Brockton | $2,868 | 69% |
| Brookfield | $1,576 | -7% |
| Brookline | $1,882 | 11% |
| Brookline Village | $1,908 | 13% |
| Bryantville | $1,800 | 6% |
| Buckland | $1,383 | -18% |
| Burlington | $1,698 | 0% |
| Buzzards Bay | $1,751 | 3% |
| Byfield | $1,563 | -8% |
| Cambridge | $1,865 | 10% |
| Canton | $1,935 | 14% |
| Carlisle | $1,479 | -13% |
| Carver | $1,801 | 6% |
| Cataumet | $1,708 | 1% |
| Centerville | $1,734 | 2% |
| Charlemont | $1,392 | -18% |
| Charlestown | $2,598 | 53% |
| Charlton | $1,654 | -2% |
| Charlton City | $1,651 | -3% |
| Charlton Depot | $1,651 | -3% |
| Chartley | $1,828 | 8% |
| Chatham | $1,396 | -18% |
| Chelmsford | $1,552 | -8% |
| Chelsea | $2,812 | 66% |
| Cherry Valley | $1,882 | 11% |
| Cheshire | $1,376 | -19% |
| Chester | $1,478 | -13% |
| Chesterfield | $1,394 | -18% |
| Chestnut Hill | $1,942 | 15% |
| Chicopee | $1,917 | 13% |
| Chilmark | $1,446 | -15% |
| Clinton | $1,706 | 1% |
| Cochituate | $1,646 | -3% |
| Cohasset | $1,706 | 1% |
| Colrain | $1,474 | -13% |
| Concord | $1,442 | -15% |
| Conway | $1,399 | -17% |
| Cordaville | $1,551 | -8% |
| Cotuit | $1,734 | 2% |
| Cummaquid | $1,728 | 2% |
| Cummington | $1,385 | -18% |
| Cuttyhunk | $1,582 | -7% |
| Dalton | $1,392 | -18% |
| Danvers | $1,719 | 1% |
| Dedham | $1,932 | 14% |
| Deerfield | $1,379 | -19% |
| Dennis | $1,538 | -9% |
| Dennis Port | $1,594 | -6% |
| Devens | $1,523 | -10% |
| Dighton | $1,718 | 1% |
| Dorchester | $3,119 | 84% |
| Dorchester Center | $3,031 | 79% |
| Douglas | $1,559 | -8% |
| Dover | $1,628 | -4% |
| Dracut | $1,719 | 1% |
| Drury | $1,506 | -11% |
| Dudley | $1,595 | -6% |
| Dunstable | $1,489 | -12% |
| Duxbury | $1,618 | -5% |
| East Boston | $2,490 | 47% |
| East Bridgewater | $1,802 | 6% |
| East Brookfield | $1,573 | -7% |
| East Dennis | $1,594 | -6% |
| East Douglas | $1,649 | -3% |
| East Falmouth | $1,654 | -2% |
| East Freetown | $1,737 | 2% |
| East Harwich | $1,544 | -9% |
| East Longmeadow | $1,736 | 2% |
| East Orleans | $1,472 | -13% |
| East Otis | $1,501 | -11% |
| East Pepperell | $1,495 | -12% |
| East Princeton | $1,608 | -5% |
| East Sandwich | $1,627 | -4% |
| East Taunton | $1,972 | 16% |
| East Templeton | $1,577 | -7% |
| East Walpole | $1,778 | 5% |
| East Wareham | $1,891 | 12% |
| East Weymouth | $1,988 | 17% |
| Eastham | $1,407 | -17% |
| Easthampton | $1,535 | -9% |
| Easthampton Town | $1,602 | -5% |
| Edgartown | $1,443 | -15% |
| Elmwood | $1,884 | 11% |
| Erving | $1,375 | -19% |
| Essex | $1,583 | -7% |
| Everett | $2,577 | 52% |
| Fairhaven | $1,815 | 7% |
| Fall River | $2,224 | 31% |
| Falmouth | $1,602 | -6% |
| Fayville | $1,551 | -8% |
| Feeding Hills | $1,801 | 6% |
| Fiskdale | $1,579 | -7% |
| Fitchburg | $1,784 | 5% |
| Florence | $1,597 | -6% |
| Forestdale | $1,627 | -4% |
| Foxboro | $1,656 | -2% |
| Foxborough | $1,632 | -4% |
| Framingham | $1,878 | 11% |
| Franklin | $1,515 | -11% |
| Franklin Town | $1,579 | -7% |
| Gardner | $1,555 | -8% |
| Georgetown | $1,564 | -8% |
| Gilbertville | $1,518 | -10% |
| Gill | $1,363 | -20% |
| Glendale | $1,517 | -11% |
| Gloucester | $1,675 | -1% |
| Goshen | $1,399 | -17% |
| Grafton | $1,604 | -5% |
| Granby | $1,637 | -3% |
| Granville | $1,548 | -9% |
| Great Barrington | $1,450 | -14% |
| Green Harbor | $1,806 | 7% |
| Green Harbor-Cedar Crest | $1,851 | 9% |
| Greenbush | $1,803 | 6% |
| Greenfield Town | $1,531 | -10% |
| Groton | $1,435 | -15% |
| Groveland | $1,574 | -7% |
| Hadley | $1,426 | -16% |
| Halifax | $1,730 | 2% |
| Hampden | $1,681 | -1% |
| Hanover | $1,693 | 0% |
| Hanscom AFB | $1,641 | -3% |
| Hanson | $1,733 | 2% |
| Harvard | $1,453 | -14% |
| Harwich Center | $1,544 | -9% |
| Harwich Port | $1,544 | -9% |
| Hatfield | $1,406 | -17% |
| Hathorne | $1,667 | -2% |
| Haverhill | $1,850 | 9% |
| Haydenville | $1,479 | -13% |
| Heath | $1,522 | -10% |
| Hingham | $1,689 | 0% |
| Hinsdale | $1,500 | -12% |
| Holbrook | $2,061 | 22% |
| Holden | $1,623 | -4% |
| Holland | $1,502 | -11% |
| Holliston | $1,606 | -5% |
| Holyoke | $2,124 | 25% |
| Hopedale | $1,591 | -6% |
| Hopkinton | $1,480 | -13% |
| Housatonic | $1,519 | -10% |
| Hubbardston | $1,522 | -10% |
| Hudson | $1,567 | -8% |
| Hull | $1,928 | 14% |
| Humarock | $1,803 | 6% |
| Huntington | $1,540 | -9% |
| Hyannis | $1,734 | 2% |
| Hyannis Port | $1,587 | -6% |
| Hyde Park | $2,660 | 57% |
| Indian Orchard | $2,397 | 41% |
| Ipswich | $1,569 | -7% |
| Jamaica Plain | $2,341 | 38% |
| Jefferson | $1,671 | -1% |
| Kingston | $1,674 | -1% |
| Lake Pleasant | $1,496 | -12% |
| Lakeville | $1,681 | -1% |
| Lancaster | $1,579 | -7% |
| Lanesboro | $1,480 | -13% |
| Lawrence | $2,328 | 37% |
| Lee | $1,401 | -17% |
| Leeds | $1,597 | -6% |
| Leicester | $1,852 | 9% |
| Lenox | $1,403 | -17% |
| Lenox Dale | $1,572 | -7% |
| Leominster | $1,668 | -2% |
| Leverett | $1,465 | -14% |
| Lexington | $1,591 | -6% |
| Lincoln | $1,560 | -8% |
| Linwood | $1,936 | 14% |
| Littleton | $1,435 | -15% |
| Littleton Common | $1,503 | -11% |
| Longmeadow | $1,683 | -1% |
| Lowell | $1,971 | 16% |
| Ludlow | $1,773 | 5% |
| Lunenburg | $1,517 | -10% |
| Lynn | $2,576 | 52% |
| Lynnfield | $1,848 | 9% |
| Malden | $2,503 | 48% |
| Manchaug | $1,917 | 13% |
| Manchester | $1,489 | -12% |
| Manchester By The Sea | $1,652 | -3% |
| Manomet | $1,791 | 6% |
| Mansfield | $1,626 | -4% |
| Mansfield Center | $1,663 | -2% |
| Marblehead | $1,735 | 2% |
| Marion | $1,582 | -7% |
| Marion Center | $1,636 | -3% |
| Marlborough | $1,680 | -1% |
| Marshfield | $1,820 | 7% |
| Marshfield Hills | $1,851 | 9% |
| Marstons Mills | $1,734 | 2% |
| Mashpee | $1,704 | 1% |
| Mashpee Neck | $1,753 | 3% |
| Mattapan | $2,840 | 68% |
| Mattapoisett | $1,583 | -7% |
| Mattapoisett Center | $1,638 | -3% |
| Maynard | $1,443 | -15% |
| Medfield | $1,503 | -11% |
| Medford | $2,086 | 23% |
| Medway | $1,504 | -11% |
| Melrose | $1,825 | 8% |
| Mendon | $1,483 | -12% |
| Menemsha | $1,524 | -10% |
| Merrimac | $1,581 | -7% |
| Methuen Town | $1,990 | 17% |
| Middleboro | $1,783 | 5% |
| Middleborough Center | $1,783 | 5% |
| Middlefield | $1,489 | -12% |
| Middleton | $1,763 | 4% |
| Milford | $1,693 | 0% |
| Mill River | $1,506 | -11% |
| Millbury | $1,707 | 1% |
| Millers Falls | $1,457 | -14% |
| Millis | $1,503 | -11% |
| Millis-Clicquot | $1,561 | -8% |
| Millville | $1,539 | -9% |
| Milton | $2,040 | 20% |
| Milton Village | $2,324 | 37% |
| Minot | $1,823 | 8% |
| Monponsett | $1,751 | 3% |
| Monroe Bridge | $1,548 | -9% |
| Monson | $1,581 | -7% |
| Monson Center | $1,636 | -4% |
| Montague | $1,389 | -18% |
| Monterey | $1,397 | -18% |
| Monument Beach | $1,708 | 1% |
| Nahant | $1,955 | 15% |
| Nantucket | $1,407 | -17% |
| Natick | $1,589 | -6% |
| Needham | $1,625 | -4% |
| Needham Heights | $1,678 | -1% |
| New Bedford | $2,213 | 31% |
| New Braintree | $1,450 | -14% |
| New Salem | $1,402 | -17% |
| New Seabury | $1,753 | 3% |
| New Town | $1,841 | 9% |
| Newbury | $1,498 | -12% |
| Newburyport | $1,490 | -12% |
| Newton | $1,783 | 5% |
| Newton Center | $1,813 | 7% |
| Newton Highlands | $1,813 | 7% |
| Newton Lower Falls | $1,813 | 7% |
| Newton Upper Falls | $1,813 | 7% |
| Newtonville | $1,813 | 7% |
| Nonantum | $1,813 | 7% |
| Norfolk | $1,543 | -9% |
| North Adams | $1,471 | -13% |
| North Amherst | $1,715 | 1% |
| North Andover | $1,696 | 0% |
| North Attleboro | $1,640 | -3% |
| North Billerica | $1,714 | 1% |
| North Brookfield | $1,554 | -8% |
| North Carver | $2,460 | 45% |
| North Chatham | $1,475 | -13% |
| North Chelmsford | $1,613 | -5% |
| North Dartmouth | $1,857 | 10% |
| North Dighton | $1,761 | 4% |
| North Eastham | $1,485 | -12% |
| North Easton | $1,906 | 12% |
| North Egremont | $1,558 | -8% |
| North Falmouth | $1,654 | -2% |
| North Grafton | $1,653 | -2% |
| North Hatfield | $1,570 | -7% |
| North Lakeville | $1,723 | 2% |
| North Marshfield | $1,803 | 6% |
| North Oxford | $1,722 | 2% |
| North Pembroke | $1,800 | 6% |
| North Plymouth | $1,836 | 8% |
| North Reading | $1,692 | 0% |
| North Scituate | $1,803 | 6% |
| North Seekonk | $1,748 | 3% |
| North Truro | $1,552 | -8% |
| North Uxbridge | $1,666 | -2% |
| North Waltham | $1,835 | 8% |
| North Westport | $1,734 | 2% |
| North Weymouth | $2,002 | 18% |
| Northampton | $1,539 | -9% |
| Northborough | $1,492 | -12% |
| Northbridge | $1,582 | -7% |
| Northfield | $1,365 | -19% |
| Northwest Harwich | $1,544 | -9% |
| Norton | $1,718 | 1% |
| Norton Center | $1,757 | 4% |
| Norwell | $1,659 | -2% |
| Norwood | $1,853 | 9% |
| Nutting Lake | $1,715 | 1% |
| Oak Bluffs | $1,449 | -15% |
| Oakham | $1,528 | -10% |
| Ocean Bluff | $1,851 | 9% |
| Ocean Bluff-Brant Rock | $1,851 | 9% |
| Ocean Grove | $1,743 | 3% |
| Onset | $1,891 | 12% |
| Orange | $1,514 | -11% |
| Orleans | $1,395 | -18% |
| Osterville | $1,734 | 2% |
| Otis | $1,428 | -16% |
| Oxford | $1,690 | 0% |
| Palmer | $1,632 | -4% |
| Paxton | $1,711 | 1% |
| Peabody | $1,955 | 15% |
| Pembroke | $1,766 | 4% |
| Pepperell | $1,429 | -16% |
| Petersham | $1,432 | -16% |
| Pinehurst | $1,722 | 2% |
| Pittsfield | $1,597 | -6% |
| Plainfield | $1,410 | -17% |
| Plainville | $1,664 | -2% |
| Plymouth | $1,806 | 7% |
| Plympton | $1,755 | 4% |
| Pocasset | $1,708 | 1% |
| Prides Crossing | $1,674 | -1% |
| Princeton | $1,454 | -14% |
| Provincetown | $1,429 | -16% |
| Quincy | $2,114 | 25% |
| Randolph | $2,500 | 47% |
| Raynham | $1,778 | 5% |
| Raynham Center | $1,809 | 7% |
| Reading | $1,588 | -6% |
| Readville | $2,718 | 60% |
| Rehoboth | $1,676 | -1% |
| Revere | $2,833 | 67% |
| Richmond | $1,410 | -17% |
| Rochdale | $1,882 | 11% |
| Rochester | $1,602 | -5% |
| Rockland | $1,924 | 13% |
| Rockport | $1,573 | -7% |
| Roslindale | $2,534 | 49% |
| Rowe | $1,367 | -19% |
| Rowley | $1,578 | -7% |
| Roxbury | $3,241 | 91% |
| Roxbury Crossing | $3,137 | 85% |
| Royalston | $1,494 | -12% |
| Russell | $1,576 | -7% |
| Rutland | $1,616 | -5% |
| Sagamore | $1,708 | 1% |
| Sagamore Beach | $1,708 | 1% |
| Salem | $2,085 | 23% |
| Salisbury | $1,641 | -3% |
| Sandisfield | $1,413 | -17% |
| Sandwich | $1,572 | -7% |
| Saugus | $2,159 | 27% |
| Savoy | $1,383 | -18% |
| Scituate | $1,768 | 4% |
| Seekonk | $1,699 | 0% |
| Sharon | $1,826 | 8% |
| Sheffield | $1,419 | -16% |
| Shelburne Falls | $1,481 | -13% |
| Sheldonville | $1,675 | -1% |
| Sherborn | $1,557 | -8% |
| Shirley | $1,533 | -10% |
| Shrewsbury | $1,716 | 1% |
| Shutesbury | $1,542 | -9% |
| Siasconset | $1,485 | -12% |
| Silver Beach | $1,663 | -2% |
| Smith Mills | $1,857 | 10% |
| Somerset | $1,748 | 3% |
| Somerville | $2,028 | 20% |
| South Amherst | $1,715 | 1% |
| South Ashburnham | $1,559 | -8% |
| South Barre | $1,713 | 1% |
| South Boston | $2,221 | 31% |
| South Carver | $1,825 | 8% |
| South Chatham | $1,475 | -13% |
| South Dartmouth | $1,857 | 10% |
| South Deerfield | $1,447 | -15% |
| South Dennis | $1,594 | -6% |
| South Duxbury | $1,660 | -2% |
| South Easton | $1,906 | 12% |
| South Egremont | $1,471 | -13% |
| South Grafton | $1,653 | -2% |
| South Hadley | $1,655 | -2% |
| South Hamilton | $1,601 | -6% |
| South Harwich | $1,646 | -3% |
| South Lancaster | $1,636 | -4% |
| South Lee | $1,486 | -12% |
| South Orleans | $1,616 | -5% |
| South Walpole | $1,778 | 5% |
| South Wellfleet | $1,622 | -4% |
| South Weymouth | $1,990 | 17% |
| South Yarmouth | $1,671 | -1% |
| Southampton | $1,517 | -10% |
| Southborough | $1,493 | -12% |
| Southbridge | $1,732 | 2% |
| Southbridge Town | $1,735 | 2% |
| Southfield | $1,477 | -13% |
| Southwick | $1,654 | -2% |
| Spencer | $1,727 | 2% |
| Springfield | $2,399 | 42% |
| Sterling | $1,464 | -14% |
| Still River | $1,565 | -8% |
| Stockbridge | $1,450 | -14% |
| Stoneham | $1,890 | 12% |
| Stoughton | $2,144 | 26% |
| Stow | $1,440 | -15% |
| Sturbridge | $1,518 | -10% |
| Sudbury | $1,460 | -14% |
| Sunderland | $1,516 | -11% |
| Sutton | $1,490 | -12% |
| Swampscott | $1,958 | 16% |
| Swansea | $1,694 | 0% |
| Taunton | $1,951 | 15% |
| Teaticket | $1,654 | -2% |
| Templeton | $1,430 | -16% |
| Tewksbury | $1,694 | 0% |
| Thorndike | $1,701 | 0% |
| Three Rivers | $1,687 | 0% |
| Topsfield | $1,692 | 0% |
| Townsend | $1,440 | -15% |
| Truro | $1,473 | -13% |
| Turners Falls | $1,457 | -14% |
| Tyngsboro | $1,635 | -4% |
| Upton | $1,469 | -13% |
| Uxbridge | $1,473 | -13% |
| Village Of Nagog Woods | $1,505 | -11% |
| Vineyard Haven | $1,513 | -11% |
| Waban | $1,813 | 7% |
| Wakefield | $1,774 | 5% |
| Wales | $1,538 | -9% |
| Walpole | $1,735 | 2% |
| Waltham | $1,803 | 6% |
| Ware | $1,559 | -8% |
| Wareham | $1,861 | 10% |
| Wareham Center | $1,891 | 12% |
| Warren | $1,565 | -8% |
| Warwick | $1,386 | -18% |
| Watertown Town | $1,853 | 9% |
| Waverley | $1,788 | 5% |
| Wayland | $1,598 | -6% |
| Webster | $1,796 | 6% |
| Wellesley | $1,575 | -7% |
| Wellesley Hills | $1,629 | -4% |
| Wellfleet | $1,431 | -16% |
| Wendell | $1,397 | -18% |
| Wendell Depot | $1,471 | -13% |
| Wenham | $1,586 | -6% |
| West Barnstable | $1,734 | 2% |
| West Boxford | $1,690 | 0% |
| West Boylston | $1,588 | -6% |
| West Bridgewater | $1,924 | 13% |
| West Brookfield | $1,439 | -15% |
| West Chatham | $1,475 | -13% |
| West Chesterfield | $1,536 | -9% |
| West Chop | $1,513 | -11% |
| West Concord | $1,514 | -11% |
| West Dennis | $1,594 | -6% |
| West Falmouth | $1,654 | -2% |
| West Groton | $1,502 | -11% |
| West Harwich | $1,544 | -9% |
| West Hatfield | $1,561 | -8% |
| West Hyannisport | $1,587 | -6% |
| West Medford | $1,803 | 6% |
| West Millbury | $1,754 | 3% |
| West Newbury | $1,452 | -14% |
| West Newton | $1,813 | 7% |
| West Roxbury | $2,106 | 24% |
| West Springfield Town | $1,902 | 12% |
| West Stockbridge | $1,462 | -14% |
| West Tisbury | $1,443 | -15% |
| West Townsend | $1,504 | -11% |
| West Wareham | $1,891 | 12% |
| West Warren | $1,620 | -4% |
| West Yarmouth | $1,664 | -2% |
| Westborough | $1,591 | -6% |
| Westfield | $1,644 | -3% |
| Westford | $1,449 | -15% |
| Westminster | $1,517 | -11% |
| Weston | $1,617 | -5% |
| Westport | $1,692 | 0% |
| Westport Point | $1,734 | 2% |
| Westwood | $1,697 | 0% |
| Weweantic | $1,891 | 12% |
| Weymouth | $1,965 | 16% |
| Whately | $1,397 | -18% |
| Wheelwright | $1,594 | -6% |
| White Horse Beach | $1,779 | 5% |
| White Island Shores | $1,891 | 12% |
| Whitinsville | $1,630 | -4% |
| Whitman | $1,892 | 12% |
| Wilbraham | $1,679 | -1% |
| Williamsburg | $1,409 | -17% |
| Williamstown | $1,371 | -19% |
| Wilmington | $1,665 | -2% |
| Winchendon | $1,556 | -8% |
| Winchendon Springs | $1,615 | -5% |
| Winchester | $1,620 | -4% |
| Windsor | $1,446 | -15% |
| Winthrop Town | $2,472 | 46% |
| Woburn | $1,819 | 7% |
| Woods Hole | $1,654 | -2% |
| Woodville | $1,779 | 5% |
| Worcester | $2,160 | 27% |
| Woronoco | $1,680 | -1% |
| Worthington | $1,475 | -13% |
| Wrentham | $1,615 | -5% |
| Yarmouth Port | $1,678 | -1% |
Car insurance laws in Massachusetts
Massachusetts drivers must buy at least a minimum amount of car insurance. They need medical payments, liability and uninsured motorist car insurance coverage to drive legally.
Massachusetts car insurance requirements
| Coverage type | Minimum amount needed |
|---|---|
| Bodily injury liability | $20,000 per person $40,000 per accident |
| Property damage liability | $5,000 |
| Uninsured motorist | $20,000 per person $40,000 per accident |
| Personal injury protection | $8,000 |
Massachusetts law does not require you to have full-coverage car insurance. But if you financed your vehicle, lenders usually require it as part of the lending agreement.
Unlike many states, if your driver’s license is suspended in Massachusetts, you don’t need to file an SR-22 to get it reinstated. You may, however, need to have an SR-22 filed if you have a DUI conviction in another state.
Frequently asked questions
The average cost of full-coverage car insurance in Massachusetts is $1,740 a year, or $145 a month. Liability-only car insurance costs $613 a year, or $51 a month, on average.
Massachusetts is a no-fault state. This means you file a claim with your own auto insurance company after an accident, no matter who caused it.