Cheapest Massachusetts Car Insurance (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
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.
Cheapest full-coverage car insurance in Massachusetts: Safety
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
| Company | Average 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.
Cheapest Massachusetts liability-only coverage: Hanover
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
| Company | Average 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.
Cheapest rates for young drivers in Massachusetts: Hanover
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
| Company | Average 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.
Cheapest rates after a speeding ticket in Massachusetts: Geico
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
| Company | Average 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.
Cheapest rates after an accident in Massachusetts
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
| Company | Average 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 |
Best rates after a DUI in Massachusetts: Progressive
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
| Company | Average 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.
Massachusetts insurance rates by city
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
| City | Average 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’ car insurance laws
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