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State Farm provides the cheapest full coverage car insurance in Massachusetts at about $647 a year. Your specific rates may vary, but the average full coverage car insurance premium in Massachusetts is $128 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Massachusetts is no exception. Massachusetts drivers are required to carry at least the minimum amount of liability coverage—$5,000 of personal property coverage per person, $20,000 for bodily injury per person and $40,000 for bodily injury per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Massachusetts?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Massachusetts, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Massachusetts

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Massachusetts is 9% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

Cheapest full coverage car insurance rate in Massachusetts by company

State Farm offers the cheapest full coverage car insurance in Massachusetts an average of $647 per year. It’s 58% less expensive than the average full coverage car insurance cost in Massachusetts. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

CompanyFull coverage insurance cost
State Farm$647
USAA$1,170
Geico$1,184
Safety Insurance$1,226
Farmers Insurance$1,633
Progressive$1,653
Arbella Insurance$1,696
American Family$1,723
Allstate$2,195
Travelers$2,254

Full coverage car insurance cost in Massachusetts by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Massachusetts

Drivers living in the ZIP code 2120 pay the highest premiums at about $3,014 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Massachusetts.

ZIP codeFull coverage insurance cost
2120$3,014
2119$3,014
2121$2,998
2125$2,878
2124$2,878
2122$2,878
2126$2,724
2150$2,604
2151$2,594
2302$2,555

Least expensive ZIP codes for car insurance in Massachusetts

1360 ZIP code in Massachusetts has the cheapest full coverage auto insurance cost at an average price of $1,185 annually. Know the least expensive ZIP codes for car insurance in Massachusetts below.

ZIP codeFull coverage insurance cost
1360$1,185
1344$1,188
1354$1,190
1342$1,192
1373$1,192
1337$1,196
1330$1,197
2633$1,197
2650$1,197
2554$1,199

Massachusetts full coverage car insurance rate by age

Young drivers in Massachusetts tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 359% more than a 40-year-old mature driver in Massachusetts, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

Age groupFull coverage annual premiums
Teen drivers (age 16-19)$5,731
Young drivers (age 20-24)$2,414
Adult drivers (age 25-64)$1,550
Senior drivers (age 65+)$1,327

Read our Guide to car insurance for teens for more information

Car insurance rates in Massachusetts by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Massachusetts

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 25% or $439 in Massachusetts, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$766$87214%$106
Geico$1,351$1,50912%$158
USAA$1,347$1,57117%$224
Farmers$1,882$2,34224%$460
Progressive$1,819$2,35830%$539
Allstate$2,537$2,5370%$0
American Family$2,086$3,11449%$1,028
Travelers$2,415$3,41541%$1,000

Cheapest full coverage car insurance after an accident in Massachusetts

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1152 a year. Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$766$1,15250%$386
USAA$1,347$1,92143%$574
Geico$1,351$2,01149%$660
Progressive$1,819$2,76152%$942
American Family$2,086$3,11449%$1,028
Farmers$1,882$3,58090%$1,699
Travelers$2,415$3,73054%$1,314
Allstate$2,537$4,16864%$1,630

Cheapest full coverage car insurance after a DUI conviction in Massachusetts

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

CompanyAverage annual premiumNew rate after incident% Increase$ Increase
State Farm$766$1,39182%$626
Progressive$1,819$2,13617%$317
Geico$1,351$2,31171%$960
USAA$1,347$3,307145%$1,959
Travelers$2,415$3,68052%$1,265
Farmers$1,882$3,906108%$2,024
American Family$2,086$3,91087%$1,824
Allstate$2,537$5,222106%$2,685

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Massachusetts.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.

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Nupur Gambhir
Managing Editor

 
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.