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The cheapest Massachusetts car insurance rates are from Geico, costing $60 per month for liability insurance and $151 per month for full coverage.
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We at the MarketWatch Guides team studied the country’s cheapest car insurance companies. We looked at their coverage options, reputation and customer service as well as what they charge for auto insurance in Massachusetts. Here’s what we found.
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Overall, we found that Geico tends to offer the cheapest car insurance rates in Massachusetts, costing an average of $725 for minimum liability and $1,815 for full coverage. Farmers is a close second, with drivers paying an average of $495 for minimum liability and $2,006 for full coverage.
Car insurance rates vary due to factors like your age and driving history, so the cheapest rates for you will be different based on your unique situation. Below we’ve listed the lowest rates for each category of coverage and driver profile we researched.
| Cheapest Car Insurance in Massachusetts (by category) | Company | Average Monthly Premium |
| Minimum Liability Coverage | The Hanover | $35 |
| Full Coverage | Progressive | $148 |
| Young Drivers | Geico*** | $485** |
| Seniors | Geico | $130** |
| After a Speeding Ticket | Geico | $168** |
| After an Accident | Progressive | $219** |
| After a DUI | Progressive | $176** |
More: Cheapest Car Insurance
In our research, we found that the five cheapest car insurance companies in Massachusetts are:
Click on any of the providers above to learn more, or find out more about the state’s cheapest car insurance companies by large and medium-sized providers below.
According to J.D. Power, large insurers are ones that have written $4.5 billion or more in direct premiums for personal auto.
Among the large car insurance companies in Massachusetts, Geico, Farmers, Progressive, Allstate and Travelers are the cheapest. You’ll find the lowest rates on average from these providers in the Bay State.
More: Largest Car Insurance Companies
J.D. Power defines mid-size insurers as those that have written between $1 and $4.499 billion in direct premiums for personal auto. Our team found that the cheapest mid-size insurance companies in Massachusetts are The Hanover, Amica and Plymouth Rock. Below, we provide some key details about each of these car insurance providers:
| Cheapest Mid-Size Car Insurance Company in Massachusetts | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
| $424 | $2,388 | 5 | 6.2 | ||
| $774 | $2,156 | 13 | 9.0 | ||
| $796 | $2,563 | 6 | 8.4 |
| Cheapest Mid-Size Car Insurance Company in Massachusetts | Minimum Coverage (Annual) | Full Coverage (Annual) | # of Discounts | Cost Rating (US) | Visit Review |
|---|---|---|---|---|---|
| $424 | $2,388 | 5 | 6.2 | ||
| $774 | $2,156 | 13 | 9.0 | ||
| $796 | $2,563 | 6 | 8.4 |
The coverage level you choose can have a significant impact on your car insurance rates. Drivers in Massachusetts are required to carry a minimum of liability insurance. While minimum liability fulfills the laws present in the state, it’s a good idea for drivers to purchase full coverage auto insurance to be protected on the road.
We explore the cheapest auto insurance options in Massachusetts for both coverage types.
At $35 per month or $424 per year on average, The Hanover provides the cheapest minimum liability insurance in Massachusetts.
| Company | Average Monthly Rate | Average Annual Rate |
| The Hanover | $35 | $424 |
| Farmers | $41 | $495 |
| Geico | $60 | $725 |
| Amica | $65 | $774 |
| Arbella Insurance | $65 | $781 |
Read more: Cheapest Liability-Only Auto Insurance
Progressive is the cheapest full-coverage car insurance provider in Massachusetts, costing $148 per month or $1,776 per year on average.
| Company | Average Monthly Rate | Average Annual Rate |
| Progressive | $148 | $1,776 |
| Geico | $151 | $1,815 |
| Farmers | $167 | $2,006 |
| Amica | $180 | $2,156 |
| The Hanover Insurance Group | $199 | $2,388 |
In most states, age plays a major part in the final cost of your car insurance. Younger drivers and especially teen drivers pay substantially more than drivers in other age groups. Per Massachusetts law, however, insurance companies in the state are banned from using certain personal factors, including age, when determining individual car insurance rates. While they don’t use age, they may take the individual’s years of driving experience into consideration when calculating rates.
For the tables below, we’ve provided rate estimates for Massachusetts drivers with varying amounts of experience, instead of rates based on ages. We still mention age as a representation of driving experience, however. For example, a 16-year-old driver is newly licensed and has the least amount of experience on the road, while a 25-year-old driver is more experienced, and so on.
Geico typically offers the cheapest car insurance in Massachusetts for inexperienced 16-year-old drivers at an estimated average rate of $5,818 per year, or $485 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $485 | $5,818 |
| Travelers | $525 | $6,303 |
| Progressive | $656 | $7,873 |
| Amica | $718 | $8,613 |
| Plymouth Rock Insurance | $757 | $9,087 |
Geico tends to have the lowest rates on car insurance for 17-year-old Massachusetts drivers with relatively little experience, with an average estimate of $6,296 per year, or $525 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $525 | $6,296 |
| Metropolitan Group | $572 | $6,867 |
| Travelers | $606 | $7,277 |
| Amica | $662 | $7,947 |
| The Hanover Insurance Group | $671 | $8,051 |
Geico usually offers the lowest rates for Massachusetts drivers with about two years of driving experience, typically 18-year-old drivers, at an estimated $6,007 per year, or $501 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $501 | $6,007 |
| Metropolitan Group | $551 | $6,608 |
| Travelers | $560 | $6,714 |
| The Hanover Insurance Group | $593 | $7,121 |
| Progressive | $644 | $7,732 |
In Massachusetts, Geico tends to be the cheapest car insurance provider for drivers with about three years on the road, often 19-year-olds, costing an average of $4,006 per year, or $334 per month for a full coverage policy.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $334 | $4,006 |
| Metropolitan Group | $369 | $4,429 |
| The Hanover Insurance Group | $383 | $4,594 |
| Amica | $422 | $5,063 |
| Allstate | $491 | $5,893 |
With five years’ driving experience (usually those around 21 years old) comes lower rates. Geico typically offers the lowest rates on coverage for 21-year-old drivers in Massachusetts with an average estimated cost of $3,581 per year, or $298 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $298 | $3,581 |
| Metropolitan Group | $323 | $3,875 |
| Progressive | $333 | $4,001 |
| The Hanover Insurance Group | $334 | $4,010 |
| Amica | $389 | $4,669 |
When a driver has almost a decade of driving experience, they may have lower car insurance rates. For 25-year-old drivers in Massachusetts, Geico tends to offer the cheapest car insurance at an estimated $1,950 per year, or $163 per month.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $163 | $1,950 |
| Progressive | $175 | $2,103 |
| Farmers | $191 | $2,289 |
| Amica | $196 | $2,346 |
| Arbella Insurance | $234 | $2,805 |
Seniors have had a lot of practice driving, which may net them some auto insurance discounts in Massachusetts. Geico typically offers the cheapest car insurance in Massachusetts for seniors. Geico’s annual rate for a full-coverage policy for senior drivers in the Bay State costs on average $1,556 per year.
Read more: Cheap Car Insurance for Seniors
Geico offers the cheapest car insurance for 65-year-old Massachusetts drivers, checking in at $121 per month or $1,449 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $121 | $1,449 |
| The Hanover Insurance Group | $123 | $1,470 |
| Progressive | $137 | $1,645 |
| Metropolitan Group | $143 | $1,720 |
| Allstate | $153 | $1,841 |
Geico offers the cheapest coverage for 75-year-old drivers in Massachusetts, with average costs of $139 per month or $1,663 per year.
| Company | Average Monthly Rate | Average Annual Rate |
| Geico | $139 | $1,663 |
| The Hanover Insurance Group | $141 | $1,693 |
| Metropolitan Group | $147 | $1,761 |
| Allstate | $153 | $1,841 |
| Progressive | $172 | $2,065 |
High-risk drivers with a recent accident, speeding ticket or DUI on their record can pay hundreds of dollars more for car insurance coverage. The sections below provide estimates for the cheapest car insurance rates for drivers who may fall into one of these categories.
Read More: Best Cheap Car Insurance For High-Risk Drivers
For Massachusetts drivers with a speeding ticket, Geico offers the cheapest rates at around $2,021 per year or $168 per month for full coverage insurance.
| Car Insurance Company | Average Monthly Cost | Average Annual Cost |
| Geico | $168 | $2,021 |
| Progressive | $189 | $2,265 |
| Farmers | $210 | $2,524 |
| Allstate | $211 | $2,535 |
| Amica | $215 | $2,585 |
Massachusetts drivers with a recent accident will find the cheapest provider is Progressive, costing on average $2,627 per year or $219 per month for a full coverage policy.
| Car Insurance Company | Average Monthly Cost | Average Annual Cost |
| Progressive | $219 | $2,627 |
| Amica | $291 | $3,496 |
| Geico | $292 | $3,501 |
| Plymouth Rock | $325 | $3,900 |
| Farmers | $327 | $3,926 |
On average, drivers with a DUI pay around $4,442 per year or $370 per month for full coverage insurance in Massachusetts. The cheapest provider for Massachusetts drivers with a DUI is Progressive, costing around $2,109 a year or $176 monthly for full coverage.
| Car Insurance Company | Average Monthly Cost | Average Annual Cost |
| Progressive | $176 | $2,109 |
| Geico | $292 | $3,501 |
| Plymouth Rock | $342 | $4,099 |
| Travelers | $351 | $4,209 |
| Arbella | $455 | $5,465 |
The best way to find the cheapest rates in Massachusetts is to compare rates from multiple providers and look for deals in your area. You can speak with an insurance agent to learn more about how to save on auto insurance in the state.
When getting a car insurance quote from a provider, companies use a variety of factors to determine your rates. The most significant factors that insurers use to determine Massachusetts car insurance costs are:
Keep in mind that, unlike most other states, Massachusetts bans the use of age, gender, marital status and credit in determining car insurance rates. So if you live in the state and have poor credit, it won’t count against you when it comes to your auto insurance premiums.
Read More: Compare Car Insurance
Below, you can get personalized cheap auto insurance quotes for your location in Massachusetts.
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Below, you will find a table that compares car insurance deals and discounts by top providers in the Bay State.
| Massachusetts Car Insurance Discounts | Geico | Farmers | The Hanover | Progressive | Allstate |
| Multi-policy | ✔ | ✔ | ✔ | ✔ | |
| Multi-vehicle | ✔ | ✔ | ✔ | ✔ | |
| Safe driver | ✔ | ✔ | ✔ | ||
| Student | ✔ | ✔ | ✔ | ✔ | ✔ |
| Defensive driving | ✔ | ✔ | ✔ | ||
| Driver training | ✔ | ✔ | |||
| New vehicle | ✔ | ✔ | |||
| Car safety equipment | ✔ | ✔ | ✔ | ✔ | |
| Loyalty | ✔ | ✔ | |||
| Military | ✔ |
Here are more details about the standard auto insurance discounts:
The sections below provide further details on the car insurance companies that offer some of the most affordable coverage options in the Bay State, including:
Cheapest Minimum Car Insurance Rate in Massachusetts: $60 per month
Cheapest Full Coverage Car Insurance Rate in Massachusetts: $129 per month
Cheapest Coverage in Massachusetts For: Young drivers, seniors, and drivers with a speeding ticket
Number of Discounts: 12
Massachusetts drivers can typically find some of the cheapest car insurance rates through Geico. The company offers several discounts that significantly drive down the cost of car insurance for drivers in the state. Geico also offers mechanical breakdown insurance, which functions like an extended car warranty.
On average, the overall cost of a full-coverage policy from Geico in the state of Massachusetts is $1,815 per year or $151 per month. At these costs, Geico is our cheapest large insurance provider for the state. Additionally, the provider is the cheapest option for young drivers, seniors and those with speeding tickets.
Besides standard coverage, Geico also offers mechanical breakdown insurance, rental reimbursement and emergency road service coverage.
Below we highlight the best discounts through Geico in Massachusetts:
Keep reading: Geico insurance review
The average cost of full-coverage car insurance in Massachusetts is $2,430 per year, or $202 per month, according to our data. This is 21% more expensive than the national average of $2,008 per year, making Massachusetts one of the top 10 most expensive states for auto coverage.
The average cost of a minimum liability coverage policy in Massachusetts is $754 per year, or $63 per month. This is 20% higher than the national average estimate of $627 per year for minimum coverage.
Read More: Average Car Insurance Cost
The table below shows the average car insurance estimates for drivers with zero to 39 years of driving experience in Massachusetts, represented by age.
| Age | Average Monthly Rate | Average Annual Rate |
| 16 | $790 | $9,483 |
| 25 | $227 | $2,725 |
| 35 | $203 | $2,430 |
| 45 | $194 | $2,328 |
| 55 | $186 | $2,230 |
Location is a major factor in the cost of car insurance. While coverage rates vary from state-to-state, they also vary within those states. Different parts of Massachusetts have different risk factors. This is why people living in Cape Cod may pay different rates than their friends or family members in Revere, even if all other factors are the same.
The following table shows the average insurance rates for the top 25 most populated cities and towns in Massachusetts.
| City in Massachusetts | Average Monthly Rate | Average Annual Rate |
| Boston | $313 | $3,753 |
| Worcester | $292 | $3,504 |
| Springfield | $310 | $3,717 |
| Cambridge | $254 | $3,044 |
| Lowell | $248 | $2,981 |
| Brockton | $394 | $4,726 |
| New Bedford | $292 | $3,504 |
| Quincy | $275 | $3,304 |
| Lynn | $342 | $4,108 |
| Fall River | $287 | $3,449 |
| Newton | $226 | $2,714 |
| Somerville | $271 | $3,249 |
| Lawrence | $283 | $3,395 |
| Framingham | $250 | $2,997 |
| Haverhill | $244 | $2,927 |
| Waltham | $231 | $2,771 |
| Plymouth | $231 | $2,771 |
| Malden | $321 | $3,847 |
| Brookline | $237 | $2,838 |
| Medford | $275 | $3,304 |
| Taunton | $253 | $3,040 |
| Weymouth | $253 | $3,040 |
| Chicopee | $253 | $3,040 |
| Revere | $370 | $4,438 |
| Peabody | $240 | $2,882 |
Note: Costs were taken from 2022 information.
*Average rates above apply to the top three companies in each city.
Below you can compare average rates for Massachusetts vs. other states.
| State | Average Annual Minimum-Liability Premium | Average Annual Full-Coverage Premium |
| Alabama | $502 | $1,775 |
| Alaska | $486 | $1,685 |
| Arizona | $635 | $2,008 |
| Arkansas | $451 | $2,038 |
| California | $602 | $2,313 |
| Colorado | $566 | $2,173 |
| Connecticut | $980 | $1,919 |
| Delaware | $1,194 | $2,881 |
| Florida | $1,385 | $3,244 |
| Georgia | $680 | $1,973 |
| Hawaii | $529 | $1,656 |
| Idaho | $378 | $1,402 |
| Illinois | $441 | $1,541 |
| Indiana | $432 | $1,587 |
| Iowa | $274 | $1,563 |
| Kansas | $475 | $1,918 |
| Kentucky | $682 | $2,522 |
| Louisiana | $925 | $3,040 |
| Maine | $380 | $1,238 |
| Maryland | $901 | $1,833 |
| Massachusetts | $754 | $2,430 |
| Michigan | $1,360 | $3,643 |
| Minnesota | $481 | $1,766 |
| Mississippi | $453 | $1,658 |
| Missouri | $560 | $2,104 |
| Montana | $398 | $1,979 |
| Nebraska | $356 | $1,871 |
| Nevada | $1,283 | $2,788 |
| New Hampshire | $415 | $1,362 |
| New Jersey | $1,332 | $2,513 |
| New Mexico | $536 | $1,943 |
| New York | $870 | $2,088 |
| North Carolina | $469 | $1,627 |
| North Dakota | $445 | $1,916 |
| Ohio | $536 | $1,599 |
| Oklahoma | $516 | $2,278 |
| Oregon | $953 | $1,925 |
| Pennsylvania | $437 | $1,981 |
| Rhode Island | $1,036 | $2,357 |
| South Carolina | $701 | $1,845 |
| South Dakota | $328 | $2,291 |
| Tennessee | $404 | $1,524 |
| Texas | $683 | $2,205 |
| Utah | $732 | $1,928 |
| Vermont | $310 | $1,199 |
| Virginia | $545 | $1,781 |
| Washington | $561 | $1,616 |
| Washington D.C. | $686 | $2,218 |
| West Virginia | $604 | $2,177 |
| Wisconsin | $408 | $1,694 |
| Wyoming | $308 | $1,702 |
Massachusetts operates under no-fault laws. This means your insurance provider will pay for any expenses incurred from an accident up to your policy limit, no matter who is actually at fault.
The Massachusetts minimum car insurance standards set by state law are a bit more extensive than in most places. To satisfy the state’s minimum coverage requirements, Massachusetts drivers need to purchase the following:
Drivers looking for full coverage car insurance should also consider comprehensive coverage and collision coverage. While not required under Massachusetts state law, these expanded coverage limits could protect your vehicle from environmental damage or from issues caused by an at-fault accident.
Massachusetts has a combined single limit for passenger vehicles based on the vehicle’s seating capacity. The limits are as follows:
It is a crime to operate a vehicle without proper insurance in the state of Massachusetts. Being caught violating this law can result in fines and even jail time. Here is a table of the penalties you may face for driving a car without insurance in Massachusetts:
| First Offense | Additional Offenses | |
|---|---|---|
| Fine | $500 fine; additional payment of $500 payment or a full year premium on mandatory minimum insurance, whichever is larger | Up to a $5,000 fine; additional payment of $500 payment or a full year premium on mandatory minimum insurance, whichever is larger |
| Fee | $45 late fee, $25 court filing fee if you challenge the violation | $45 late fee, $25 court filing fee if you challenge the violation |
| Driving privileges | License and registration suspended for 60 days, $500 fee to reinstate | License and registration suspended for one calendar year, $500 fee to reinstate |
| Incarceration | Up to one year in jail | Up to one year in jail |
Massachusetts drivers can easily compare car insurance quotes from providers online. Beforehand, have information about your vehicle and its drivers ready. Shopping around for car insurance in Massachusetts allows you to ensure you’re getting the best deal possible.
Geico tends to offer the cheapest full minimum liability car insurance in Massachusetts for most drivers. But the provider that is best for you is going to depend on your driving history and what you’re looking for.
Below are some common frequently asked questions about cheap car insurance in Massachusetts:
Based on our rate estimates, we found that Geico offers the cheapest minimum liability car insurance rates in Massachusetts, costing $60 per month or $725. Progressive offers the cheapest full-coverage car insurance rates in Massachusetts, costing $148 per month or $1,776 per year on average.
We found that Massachusetts drivers pay an average of $2,430 per year or $203 per month on average for a full coverage policy. These rates are for a 35-year-old driver with a clean driving record.
To insure a car in Massachusetts, you’ll need $8,000 for personal injury protection and the following amounts for both liability coverage and uninsured/underinsured motorist coverage:
One of the easiest ways to lower your car insurance premiums in Massachusetts is to look for discounts. You can ask your insurance agent about discounts you might qualify for. Of course, you should also always get quotes from multiple providers and compare them. That way you can see who offers the best rates to begin with.
Insurance follows the car in Massachusetts. That means that your insurance is liable if a driver using your vehicle is involved in an accident.
Generally, you can’t get insurance for a car that’s not in your name, but there are some exceptions. If you can prove to the insurance company that you have a valid insurable interest in the vehicle, you may be able to get coverage. The best way to find out whether it’s possible in your situation is to ask an insurance agent.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
Our credentials:
*Data accurate at time of publication.
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