Car insurance in Massachusetts is more expensive than the national average rate. As of 2017, the average car insurance premium in the Bay State is $1,136.60 annually. In comparison, the United States average premium is $1,004.
Massachusetts is a no-fault state, which means drivers are required to carry additional coverage and premiums are higher than in other parts of the country. However, some carriers offer cheap auto insurance in Massachusetts.
The cheapest car insurance companies in Massachusetts
To find the cheapest auto insurance in Massachusetts, we evaluated the largest providers that offer low rates and discounts. Drivers who are looking save on cost should consider one of the following providers:
Amica is a Rhode Island-based insurance company with excellent ratings. In J.D. Power’s 2020 U.S. Auto Insurance Study, Amica was ranked as the best car insurance provider in New England. The company also has an A+ rating from AM Best, indicating excellent financial strength.
In addition to impressive ratings, Amica also offers affordable premiums with a number of discounts. Massachusetts drivers can save money by being loyal customers, paying their policy in full and being a good student. Amica is also one of the few insurance companies to offer dividends. Drivers with a policy from Amica can recoup up to 20% of their annual premium with a dividend policy.
Geico is one of the cheapest car insurance companies in Massachusetts and around the country. On its website, Geico claims that drivers save an average of more than $500 when they make the switch. Although Geico’s policies are cheap, the coverage is relatively basic. It does not offer many options for customizing your policy.
However, Geico does offer a variety of discounts that can lower your premium. You can save money by having car safety features, like anti-lock brakes and airbags, being a good driver, being a good student and bundling policies. It also has discounts for federal employees, military personnel and service members who go on emergency deployment.
In J.D. Power’s 2020 U.S. Auto Insurance Study, State Farm was ranked second on the list of best car insurance companies in New England. State Farm is our top pick for safe driver discounts. Good drivers can save on their premium with State Farm’s safe driver discount program, called Drive Safe & Save™. Drivers under 25 can enroll in the Steer Clear® program to get a discount of up to 15%.
State Farm also offers traditional discounts that can lower your premium. Massachusetts drivers can get a cheaper rate if they are accident-free, take a defensive driving course or are good students. State Farm also has a few discounts related to vehicle safety features.
Affordable coverage for Massachusetts drivers
In every state, drivers are required to carry a certain amount of insurance coverage. Massachusetts’ minimum insurance requirements are 20/40/5. That means drivers must carry at least $20,000 in bodily injury liability per person, $40,000 in bodily injury liability coverage per accident and $5,000 in property damage liability per accident.
Massachusetts is a no-fault state, so drivers also have to carry personal injury protection (PIP). If you get injured in an accident, PIP will pay for your medical expenses regardless of who caused the crash.
Drivers who purchase the state’s minimum required insurance coverage will pay the lowest rate. However, most insurance companies recommend that drivers get more coverage than what is required.
The minimum required coverage may not fully cover the cost of an accident. For example, a Massachusetts driver who causes an accident that results in $25,000 in property damage would have to pay $20,000 out-of-pocket if they carried minimum coverage, which is $5,000.
Finding cheap car insurance in Massachusetts
There are ways drivers in Massachusetts can find cheap car insurance. Here are a few suggestions:
- Get multiple rate quotes: When shopping for insurance, get a few insurance quotes from multiple companies. Compare the rates to see which company offers the lowest rate for the amount of coverage you want.
- Take a driving course: Most car insurance companies offer discounts for drivers who take an approved defensive driving course or a driver safety training course. This discount can be especially beneficial for teen drivers.
- Raise your credit score: Your credit score is one of the biggest factors that affects your insurance premium. If you want a lower rate, work on raising your credit score.
- Practice safe driving habits: Being a safe driver usually leads to a cheaper insurance premium. Today, many insurance companies have a safe driver discount program where you install a small device in your vehicle that tracks your driving behaviors, like speed and lane control.
- Pay your policy in full: Some providers may also offer a discount if you pay bi-annually rather than monthly. If this discount is available, it is an easy way to lower your cost.
Frequently asked questions
What is the best car insurance in Massachusetts?
Technically, the best car insurance company in Massachusetts does not exist. The best carrier is different for every driver. Some insurance companies stand out for cheap rates, whereas others are better suited for drivers who want the best coverage options. Drivers who are looking for car insurance should shop around to find a provider that meets most of their needs.
Is Massachusetts a no-fault state?
Yes, Massachusetts is considered a no-fault state. That means drivers are required to carry PIP insurance which pays for injuries after a crash, regardless of who caused it.
How much does car insurance cost in Massachusetts?
The average car insurance premium in Massachusetts is $1,136.60 per year. However, every driver pays a different rate. Factors like your ZIP code, age, credit score, driving record and the provider you have will affect your premium.