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Cheapest car insurance in Massachusetts in 2023
According to Bankrate's expert analysis, State Farm, The Hanover and Plymouth Rock are the cheapest car insurance companies in Massachusetts.
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What To Know First
Bankrate understands how important it is to save money where you can, perhaps now more than ever. However, we also know that insurance is an essential tool in safeguarding your finances in the event of an accident. Although it can seem tricky to balance your budget with adequate protection, three of our insurance editorial staff are licensed agents with decades of experience helping drivers around the country do just that. While we may no longer be in an agency, we're here instead, providing our readers the same expert guidance as we've done throughout the years.
We delved into car insurance in Massachusetts to find the cheapest carriers across various scenarios. During our study, we learned that Massachusetts's average annual full coverage premium is an astounding 37 percent lower than the national average. We also discovered drivers in South Carver could be paying the cheapest premiums for minimum coverage, and those in Cherry Valley might enjoy the lowest average premiums for full coverage.
Overall, if you’re looking for cheap insurance in Massachusetts, State Farm may be able to provide many drivers what they need.
- Cheapest company for minimum coverage: State Farm
- Cheapest company for full coverage: State Farm
- Cheapest company for adding a teen driver: State Farm
- Cheapest company for getting a speeding ticket: State Farm
- Cheapest company for being in an at-fault accident: State Farm
- Cheapest company after a high-risk incident: The Hanover
On This Page
- The cheapest car insurance companies in Massachusetts
- The cheapest car insurance companies in Massachusetts by coverage level
- Cheapest cities in Massachusetts for car insurance
- Factors that impact cheap rates in Massachusetts
- Minimum coverage requirements for Massachusetts drivers
- How to get the cheapest car insurance in Massachusetts
- Car insurance discounts in Massachusetts
- Frequently asked questions
- Methodology
The cheapest car insurance companies in Massachusetts
Whether you are looking for minimum coverage, a full coverage policy with add-ons or something in between, comparing sample rates may be helpful when weighing your options. Bankrate utilizes Quadrant Information Services and third-party sources to identify the cheapest car insurance companies with both financial strength and high customer satisfaction ratings, which may help guide you in making a more informed decision.
Cheapest company for minimum coverage
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
State Farm | $17 | $207 |
Cheapest company for full coverage
Company | Average monthly full coverage premium | Average annual full coverage premium |
---|---|---|
State Farm | $51 | $608 |
Cheapest company for adding a teen driver
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
State Farm | $35 | $420 |
Cheapest company for getting a speeding ticket
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
State Farm | $21 | $246 |
Cheapest company for being in an at-fault accident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
American National | $20 | $239 |
Cheapest company after a high-risk incident
Company | Average monthly minimum coverage premium | Average annual minimum coverage premium |
---|---|---|
State Farm | $29 | $351 |
The cheapest car insurance companies in Massachusetts by coverage level
Drivers in Massachusetts are legally required to carry a minimum amount of car insurance to drive on public roads. Laws aside, every driver also has different needs regarding their coverage. For instance, if you finance your vehicle, you’ll probably need full coverage to meet the terms of your finance agreement. Although most insurance professionals advise carrying more than minimum coverage to avoid a possible hefty out-of-pocket expense in an at-fault accident, knowing your options can be essential in finding affordable car insurance in Massachusetts.
In the table below, you’ll see the companies that offer some of the cheapest car insurance in Massachusetts for both minimum and full coverage.
Insurance company | Average monthly minimum coverage premium | Average annual minimum coverage premium | Annual savings vs. State average* |
---|---|---|---|
State Farm
4.2
Bankrate Score
|
Average monthly minimum coverage premium
$17
|
Average annual minimum coverage premium
$207
|
Annual savings vs. State average*
- $222 |
The Hanover
3.1
Bankrate Score
|
Average monthly minimum coverage premium
$18
|
Average annual minimum coverage premium
$218
|
Annual savings vs. State average*
- $211 |
Plymouth Rock
4.0
Bankrate Score
|
Average monthly minimum coverage premium
$25
|
Average annual minimum coverage premium
$295
|
Annual savings vs. State average*
- $134 |
Safety
3.9
Bankrate Score
|
Average monthly minimum coverage premium
$27
|
Average annual minimum coverage premium
$328
|
Annual savings vs. State average*
- $101 |
Average monthly minimum coverage premium
$30
|
Average annual minimum coverage premium
$362
|
Annual savings vs. State average*
- $67 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with minimum coverage for 2023
Insurance company | Average monthly full coverage premium | Average annual full coverage premium | Annual savings vs. State average* |
---|---|---|---|
State Farm
4.2
Bankrate Score
|
Average monthly full coverage premium
$51
|
Average annual full coverage premium
$608
|
Annual savings vs. State average*
- $654 |
Safety
3.9
Bankrate Score
|
Average monthly full coverage premium
$72
|
Average annual full coverage premium
$861
|
Annual savings vs. State average*
- $401 |
Plymouth Rock
4.0
Bankrate Score
|
Average monthly full coverage premium
$78
|
Average annual full coverage premium
$933
|
Annual savings vs. State average*
- $329 |
Geico
4.4
Bankrate Score
|
Average monthly full coverage premium
$90
|
Average annual full coverage premium
$1,080
|
Annual savings vs. State average*
- $182 |
The Norfolk & Dedham Group
3.8
Bankrate Score
|
Average monthly full coverage premium
$92
|
Average annual full coverage premium
$1,100
|
Annual savings vs. State average*
- $162 |
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
*Based on policies with full coverage for 2023
Cheapest cities in Massachusetts for car insurance
Car insurance companies use many rating factors to determine how much to charge for coverage. Although Massachusetts law prohibits carriers from using some of these factors (your insurance-based credit score, for instance), car insurance companies are allowed to use your zip code as an underwriting tool. This means that where you live can impact your car insurance premium.
Generally, drivers who live in more urban areas may see higher premiums than those in suburban or rural areas. A higher population density means a higher frequency of car accidents, and a higher frequency of car accidents means a higher risk of a claims payout for the insurance company. To compensate for this elevated risk, your company may charge a more expensive premium. Additionally, theft and vandalism may be more of a problem in bigger cities, which could lead to more expensive premiums for comprehensive coverage.
If you’re planning on moving to Massachusetts (or moving to a different city within Massachusetts) and are concerned about the cost of your car insurance, the tables could help.
City | City average annual minimum coverage premium | Cheapest car insurance company | Company average annual minimum coverage premium |
---|---|---|---|
South Carver | $442 | State Farm | $216 |
Greenbush | $443 | State Farm | $189 |
White Horse Beach | $443 | State Farm | $193 |
Cherry Valley | $443 | The Hanover | $233 |
Minot | $446 | State Farm | $216 |
City | City average annual full coverage premium | Cheapest car insurance company | Company average annual full coverage premium |
---|---|---|---|
Cherry Valley | $1,315 | State Farm | $905 |
Feeding Hills | $1,316 | Safety | $912 |
White Horse Beach | $1,316 | State Farm | $568 |
Stoneham | $1,317 | State Farm | $668 |
Middleton | $1,318 | State Farm | $611 |
Bridgewater | $1,321 | State Farm | $611 |
Factors that impact cheap rates in Massachusetts
After you secure a policy, there are numerous life events and circumstances that can occur and impact your premiums. These may include:
Insuring a teen driver
Although Massachusetts prohibits car insurance companies from using your age as a rating factor when determining premiums, companies can use driving experience. Since teen drivers have fewer years behind the wheel than their older counterparts, they still tend to pay higher premiums in Massachusetts. Older teens may pay lower premiums when kept on their parents’ policies rather than purchasing their own, but whether or not this is an option for you depends on your insurance company and your circumstances.
If you’re looking for low-cost car insurance in Massachusetts after adding a teen to your policy, you may want to consider the companies below:
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
State Farm | $420 | $1,146 |
The Hanover | $495 | $3,135 |
Plymouth Rock | $667 | $2,065 |
The Norfolk & Dedham Group | $795 | $2,385 |
Safety | $843 | $2,219 |
Getting a speeding ticket
Getting a speeding ticket is not ideal, but it can happen. That said, your rates will typically increase after a speeding ticket conviction. You can expect to see an impact on your rates for between three to five years on average, but taking a defensive driver’s course or another type of driver safety course may help keep the impact to a minimum.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
State Farm | $246 | $698 |
The Hanover | $372 | $2,269 |
Allstate | $382 | $1,431 |
Safety | $430 | $1,379 |
Plymouth Rock | $431 | $1,385 |
Getting into an at-fault accident
Unless you carry accident forgiveness coverage, your rates will likely increase if you’re the driver in an at-fault accident. If your premium is impacted by new activity on your driving record (like an accident), the premium adjustment will occur at your following renewal. The first step in learning how to save on car insurance in Massachusetts after an accident could be to shop with some of the companies below — premium data from Quadrant Information Services shows that these carriers offer some of the cheapest rates even after one at-fault accident.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
State Farm | $351 | $938 |
The Hanover | $372 | $2,270 |
Plymouth Rock | $471 | $1,415 |
Safety | $606 | $1,735 |
Arbella | $610 | $2,061 |
Being deemed a high-risk driver
If you’re convicted of a DUI in Massachusetts, insurance companies may deem you a high-risk driver. High-risk drivers still might be able to find affordable coverage, but comparison shopping may be an important strategy for these drivers to find a rate that works for them. Additionally, some companies have stricter underwriting guidelines and may not offer a policy to those convicted of a DUI. This could make shopping around even more critical.
We’ve compiled some of the carriers that may offer cheap Massachusetts car insurance for those deemed a high-risk driver. For more information, please get in touch with the company directly.
Car insurance company | Average annual minimum coverage premium | Average annual full coverage premium |
---|---|---|
The Hanover | $302 | $2,045 |
State Farm | $419 | $1,146 |
Plymouth Rock | $485 | $1,483 |
Allstate | $787 | $2,961 |
The Norfolk & Dedham Group | $809 | $2,538 |
Minimum coverage requirements for Massachusetts drivers
Massachusetts requires residents to maintain a minimum amount of insurance coverage. This minimum coverage requirement includes:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability coverage per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 in personal injury protection (PIP)
While it may be tempting to purchase the minimum auto coverage legally required in Massachusetts, doing so could put you at greater financial risk. For instance, if you’re the driver in an at-fault accident and carry a state minimum policy, you’ll likely face a high out-of-pocket expense if you cause more than $20,000 in injuries to the other party. There are numerous options for cheap car insurance in Massachusetts, and opting to purchase a more robust policy will give you better protection.
Additionally, if you lease or finance your vehicle, you will likely be required to carry full coverage to protect the lender from financial damages that occur to the vehicle.
How to get the cheapest car insurance in Massachusetts
Luckily, average car insurance rates in the Bay State are much lower than the national average (although your rates can vary from the average, based on your personal rating factors). Still, in today’s economic times, it may be important to do whatever you can to save on car insurance in Massachusetts. Employing some of the strategies below could help you bring down your already lower-than-average rates:
Compare quotes
Comparing quotes can be a powerful tool to ensure you get the most competitive rate possible. However, requesting quotes can seem daunting, especially since Massachusetts has so many different insurers. To narrow your search, it can be helpful to consider your individual circumstances. For example, if you have a 15-year-old getting ready to take their driver’s test, you might want to seek out companies that generally offer low rates for teens. Perhaps you’re planning on moving to a different city. If so, researching average rates for the zip code you are relocating to could help you save. Just be sure that when you are comparing, that you request the same (or similar) coverage levels from each company to keep the playing field level.
Maintain a clean driving record
Practicing safe driving habits and remaining free from tickets and accidents might be the most impactful way to enjoy the cheapest car insurance in Massachusetts. Those with clean records are usually afforded the lowest base premiums, and some companies offer an additional safe driving discount to those who qualify.
Consider telematics
Not all companies offer a telematics program in Massachusetts, but some do (Progressive’s Snapshot, for instance, is available here). If your company offers telematics, this program might be something to consider. You could lower your premium by downloading an app or plugging a small device into your vehicle and prove yourself as a safe driver. Telematics could also be a good choice for drivers who don’t drive in the very early morning or late at night or work from home.
Car insurance discounts in Massachusetts
Each insurance company offers its own set of unique discounts, but you may want to check into some of the more common ones below while on your search for cheap auto insurance in Massachusetts:
- Young driver discounts: Insuring a teen comes with its own challenges, but it’s still possible to find Massachusetts car insurance savings through young driver discounts. If your young driver is a full-time student with a B average or better, they could qualify for a good student discount. Or, you might ask about a distant student discount if your older student is at college without a vehicle.
- Safe driver discounts: One of the best ways to find low-cost car insurance in Massachusetts might be to practice safe driving habits. Keeping your record clean could help you avoid costly insurance surcharges, higher base rates and you might earn a safe driving discount, too.
- Bundling discount: Another popular savings opportunity across carriers includes bundling, which could net you a discount for carrying your home or renters and your auto policy with the same company.
- Vehicle safety discounts: Driving a car with safety features like automatic seatbelts, lane assist or adaptive headlights might also be an easy way to earn additional vehicle-related discounts.
- Defensive driving discount: Some companies may also give you a discount for completing a defensive driving class, although you may have to be a certain age to qualify.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Bankrate Scores
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.