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Get Cheap Car Insurance in Massachusetts
We monitor insurance prices, helping the average driver in Massachusetts save up to 35.5% on car insurance.
The Cheapest Minimum Coverage in Massachusetts
The chart below shows the cheapest car insurance company in Massachusetts for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safety Insurance, followed by Geico, Midvale Home & Auto, and Travelers.
| Massachusetts Insurer | Monthly Cost |
|---|---|
| Safety Insurance | $40 |
| Geico | $43 |
| Midvale Home & Auto | $51 |
| Travelers | $64 |
Savings for Every Kind of Massachusetts Driver
Based on our extensive insurance data, we know the average Massachusetts driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $550 per year by choosing the right vehicle insurance company. Some Massachusetts residents are paying out over $1,610 extra every year for auto insurance in Massachusetts. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Massachusetts Savings / Yr. |
|---|---|
$550 |
|
$819 |
|
$681 |
|
$904 |
|
$1,993 |
|
$0 |
|
$0 |
Massachusetts Car Insurance vs. the United States
People living in Massachusetts pay an average of 3.64% more than the typical driver in the nation. The average driver in Massachusetts can expect to pay about $691 per year, or $1,610 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Massachusetts for most people.
Car Insurance Prices by Massachusetts Neighborhood
Insurance Prices
Where is insurance cheapest within Massachusetts?
The map shows insurance prices in and around Massachusetts, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $1,117 per year within the state boundaries, with insurance premiums ranging from a high of $2,511 to a low of $1,394. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Massachusetts.Pick the Best Car Insurance Company for You in Massachusetts
The best car insurance provider for most drivers in Massachusetts
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $550 over the average Massachusetts car insurance company.
The best car insurance provider for Massachusetts drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $819 over the competition.
The best car insurance company for Massachusetts drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $681 better than other car insurance companies.
The best auto insurance for Massachusetts drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $904 less each year.
The least expensive car insurance company for new and young drivers in Massachusetts
In Massachusetts, State Farm costs young drivers $1,993 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Massachusetts
The cheapest car insurance in Massachusetts for drivers with bad credit
The best Massachusetts car insurance company for customer service
Nationwide was the best company for customer service in Massachusetts according to the NAIC.
Recent price drops
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The cheapest large national provider in Massachusetts
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Massachusetts driver can expect to pay about $85 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Massachusetts, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Massachusetts
What Influences the Cost of Car Insurance in Massachusetts?
On average, car insurance in Massachusetts is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- The average commute time in Massachusetts is 38 minutes, which is far more than average for a driver in the nation.
- Massachusetts state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- Massachusetts is one of the least populated areas in the nation. The state’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Massachusetts is $58 per month for minimum coverage and $134 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Rhode Island: Insurance costs 105.59% more
- New Hampshire: Insurance costs 39.44% less
- Connecticut: Insurance costs 55.22% more
- Vermont: Insurance costs 38.32% less
- New York: Insurance costs 143.73% more
- Maine: Insurance costs 62.92% less
- New Jersey: Insurance costs 36.71% more
- Delaware: Insurance costs 43.42% more
- Pennsylvania: Insurance costs 15.71% less
- Maryland: Insurance costs 42.30% more
States with Similar Populations
- California: Insurance costs 67.14% more
- Arkansas: Insurance costs 17.39% more
- Michigan: Insurance costs 248.39% more
- Maine: Insurance costs 62.92% less
- Louisiana: Insurance costs 276.27% more
- Iowa: Insurance costs 35.34% less
- Indiana: Insurance costs 38.07% less
- Idaho: Insurance costs 46.96% less
- Hawaii: Insurance costs 23.11% less
- Georgia: Insurance costs 30.00% more