How to Compare Car Insurance Quotes 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Massachusetts Car Insurance (2024)

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Content was accurate at the time of publication.

Safety Insurance carries the cheapest average rate for Massachusetts drivers looking for full coverage for their cars.

But if you’re just looking for liability insurance in Massachusetts, Hanover is your best bet. Hanover also tends to have the cheapest rates for teen drivers.

Find the Cheapest Car Insurance Quotes in Your Area

Massachusetts drivers seeking full-coverage car insurance will usually find the most affordable prices with Safety, at an average rate of $1,392 a year.

Geico is the next-cheapest option at $1,442 a year.

Cheapest companies for full-coverage car insurance

CompanyAverage annual rate
Safety$1,392
Geico$1,442
Arbella$1,629
Progressive$1,756
Farmers$1,844
Hanover$2,062
Plymouth Rock$3,087
Travelers$3,332

Be aware that “full-coverage” isn’t a car insurance policy type, but rather a combination of liability, collision and comprehensive coverage.

Collision coverage pays out on damages due to a car accident. Comprehensive coverage handles damage from non-collision sources, including auto theft and vandalism.

You are not required to carry full coverage by Massachusetts law. However, if you are financing or leasing your vehicle, lenders and dealerships will often insist you carry full-coverage car insurance to protect their investment in the car.

Hanover probably has your cheapest average rate for liability auto insurance, at $484 a year. Farmers has the next-lowest rate of $490 a year.

Cheapest companies for liability car insurance

CompanyAverage annual rate
Hanover$484
Farmers$490
Geico$544
Safety$571
Arbella$720
Progressive$927
Plymouth Rock$1,039
Travelers$1,282

Minimum-liability insurance, commonly known as just “liability car insurance,” takes care of the medical and repair costs of others after an accident you’re found at fault for. It also covers your legal expenses due to the accident.

Each state has its own required liability limits. We’ll examine the details of Massachusetts’ limits below.

Hanover generally has the cheapest liability car insurance rates for Massachusetts teens ($1,573 a year on average), followed by Geico ($1,582 a year on average).

Cheapest car insurance companies for teen drivers

CompanyAverage annual rate
Hanover$1,573
Geico$1,582
Farmers$1,671
Safety$2,152
Progressive$2,323
Arbella$2,405
Travelers$2,435
Plymouth Rock$2,438

Teens pay higher rates for car insurance due to their lack of experience behind the wheel, and the greater chance of a claim that comes with that.

If you’re a parent looking to reduce your teen’s premiums, consider putting them on your policy. You’ll still pay a higher premium, but it should be cheaper than if you and the young driver had separate policies.

Massachusetts drivers with a speeding ticket or similar violation usually pay the cheapest rates with Geico, at an average of $1,590 a year.

Arbella is the next cheapest, with rates after a traffic ticket averaging $1,629 a year.

Cheapest car insurance companies after a ticket

CompanyAverage annual rate
Geico$1,590
Arbella$1,629
Safety$1,786
Progressive$2,234
Farmers$2,311
Hanover$3,374
Travelers$4,437
Plymouth Rock$4,486

A speeding ticket stays on your record in Massachusetts for five years, during which time you’ll see higher auto insurance rates due to risk.

Massachusetts drivers with an at-fault accident on their record tend to pay the least for car insurance with Arbella, averaging $1,853 a year.

Geico is the next-cheapest, with an average post-accident rate of $2,101 a year.

Cheapest car insurance companies after an accident

CompanyAverage annual rate
Arbella$1,853
Geico$2,101
Safety$2,161
Progressive$2,414
Farmers$3,371
Plymouth Rock$3,529
Hanover$3,673
Travelers$5,439

If you’ve been convicted of driving under the influence (DUI), then Progressive probably has your cheapest car insurance rate, at $2,079 a year on average.

Geico is the next-cheapest option, at an average of $2,393 a year.

Cheapest car insurance companies after a DUI

CompanyAverage annual rate
Progressive$2,079
Geico$2,393
Arbella$2,709
Hanover$3,045
Safety$3,129
Farmers$3,900
Plymouth Rock$4,608
Travelers$5,222

A DUI in Massachusetts stays on your record for 10 years, during which time you will see higher car insurance rates. After 10 years, you can petition the DMV to have the DUI expunged from your driving record.

Looking at Massachusetts’ most populated cities, Barnstable has the cheapest average rate of $1,975 a year.

Meanwhile, Brockton has the most expensive rates, with an average of $3,430 a year.

The state capital of Boston has an average annual car insurance rate of $2,481.

Car insurance rates by city in Massachusetts

CityAverage annual rate
Barnstable$1,975
Boston$2,481
Brockton$3,430
Cambridge$2,201
Chicopee$2,266
Fall River$2,618
Framingham$2,195
Haverhill$2,169
Lawrence$2,718
Lowell$2,288
Lynn$3,051
Malden$2,998
Medford$2,489
Methuen Town$2,380
New Bedford$2,602
Newton$2,119
Peabody$2,334
Quincy$2,528
Revere$3,387
Somerville$2,404
Springfield$2,847
Taunton$2,313
Waltham$2,116
Weymouth$2,336
Worcester$2,536

Where you live is only one of the factors that goes into calculating your car insurance quote. Others include:

  • The make and model of your car
  • Extreme weather patterns in your area
  • Your insurance history

Massachusetts is a no-fault state. This means that after an accident, drivers file claims with their own insurance companies, regardless of who is responsible.

In no-fault states, drivers are often required to carry personal injury protection (PIP) and uninsured/underinsured motorist coverage.

Minimum coverage for car insurance in Massachusetts

Massachusetts’ required liability car insurance coverage limits are:

  • $20,000 bodily injury coverage per person
  • $40,000 bodily injury coverage per accident
  • $5,000 property damage coverage
  • $20,000 uninsured/underinsured motorist bodily injury coverage per person
  • $40,000 uninsured/underinsured motorist bodily injury coverage per accident
  • $8,000 personal injury protection (PIP)

Methodology

LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 800,000 car insurance quotes for sample drivers in every Massachusetts ZIP code. Your rates may vary.

Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.

Minimum liability policies provide liability coverage with the state’s required minimum limits. Full-coverage policies include the following limits and deductibles:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Collision: $500 deductible
  • Comprehensive: $500 deductible