Home Car insurance Car insurance rates by state Cheapest car insurance in Massachusetts Cheapest car insurance in Massachusetts State Farm has the cheapest car insurance rates for Massachusetts drivers at $689 a year, based on Insure.com's data study. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 22, 2025 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. State Farm provides the cheapest car insurance in Massachusetts at $689 a year. Your rates may vary, but the average premium is $144 per month in Massachusetts, according to Insure.com’s rate analysis.Car insurance requirements vary by state, and in Massachusetts, drivers must carry at least the minimum liability coverage: $20,000 for bodily injury protection per person, $40,000 of bodily injury coverage per accident, and $5,000 for property damage per accident. However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.Below, we’ve highlighted the most affordable insurance company in each category. Cheapest overall: State Farm $689/year National avg. rate Cheapest for at-fault accident: State Farm $1,037/year Avg. rate after an at-fault accident Cheapest for speeding ticket: State Farm $785/year Avg. rate after speeding ticket Key Takeaways State Farm offers Massachusetts drivers the cheapest car insurance rate at $689 annually, which is around 60% lower than the state’s average cost.In Massachusetts, you can find the cheapest car insurance from State Farm at an annual cost of $1,037, even if you have a history of at-fault accidents.Based on Insure.com’s analysis, the 1360 ZIP code has the cheapest car insurance rates for Massachusetts drivers, with an average cost of $1,343 a year. Cheap car insurance companies in MassachusettsAt an average annual rate of $689, State Farm offers the cheapest car insurance in Massachusetts, 60% less than the state average. Your premium may vary based on personal factors such as your driving record, ZIP Code and car type.It’s important to compare quotes from various carriers to ensure that you get the best deal.Below, you’ll find average annual car insurance rates from the most affordable insurance companies in Massachusetts.CompanyAverage annual ratesState Farm$689GEICO$1,269Plymouth Rock Assurance$1,409Safety Insurance$1,517Arbella Insurance$1,708Farmers$1,966Progressive$2,016Amica$2,052Travelers$2,274Allstate$2,694USAA*$1,442 *Note: USAA only offers coverage to military members, veterans and their families.How we choose the cheapest car insurance companies in Massachusetts 170+ Carriers reviewed 53M+ Quotes analysed 34K+ ZIP codes examined Cheapest ZIP codes for car insurance in MassachusettsThe 1360 ZIP code in Massachusetts has the cheapest auto insurance, with an average price of $1,343 annually. Discover the cheapest ZIP codes for car insurance in Massachusetts below.ZIP codeCityAverage annual rates1360Northfield$1,3431354Gill$1,3451344Erving$1,3501330Ashfield$1,3532633Chatham$1,3542554Nantucket$1,3551337Bernardston$1,3581367Rowe$1,3591342Deerfield$1,3601220Adams$1,363Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Massachusetts by cityBostonCambridgeLowellSpringfieldWorcesterCheapest car insurance in Massachusetts by ageTeen drivers in Massachusetts pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $5,304 more than a 40-year-old driver in Massachusetts, based on Insure.com’s analysis.The table below shows the cheapest car insurance rates for drivers of different ages:Age groupFull coverage annual premiumsTeens (16-19)$5,299Young Adults (20-24)$2,642Adults (25-60)$1,734Seniors (65-75)$1,509 You might find interesting The best, cheapest car insurance in MassachusettsMassachusetts car insurance calculatorNon-owner car insurance in Massachusetts: Which company has the cheapest rates?Cheapest SR-22 insurance in Massachusetts Cheapest car insurance in Massachusetts by driver historyYour driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are 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 car insurance.Cheapest car insurance after a speeding ticket in MassachusettsHere are the top three companies that offer cheap car insurance after a speeding ticket:State Farm: $785 per yearGEICO: $1,419 per yearSafety Insurance: $1,889 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 30% or $522 in Massachusetts.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Massachusetts, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$689$78514%$96GEICO$1,269$1,41912%$150Safety Insurance$1,517$1,88925%$372Farmers$1,966$2,45425%$488Progressive$2,016$2,69934%$683Travelers$2,274$3,28544%$1,011USAA*$1,442$1,67616%$234 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in MassachusettsHere are the top three companies that offer cheap car insurance after an accident:State Farm: $1,037 per yearGEICO: $1,890 per yearArbella Insurance: $1,937 per yearState Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,037 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$689$1,03751%$348GEICO$1,269$1,89049%$621Arbella Insurance$1,708$1,93713%$229Safety Insurance$1,517$2,60472%$1,087Progressive$2,016$3,07252%$1,056Travelers$2,274$3,54656%$1,272Farmers$1,966$3,76091%$1,794Allstate$2,694$4,43965%$1,745USAA*$1,442$2,09645%$654 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in MassachusettsHere are the top three insurers that provide affordable car insurance rates after a DUI conviction.State Farm: $1,257 per yearGEICO: $2,175 per yearProgressive: $2,456 per yearA DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$689$1,257$56882%GEICO$1,269$2,175$90671%Progressive$2,016$2,456$44022%Arbella Insurance$1,708$2,866$1,15868%Safety Insurance$1,517$3,347$1,830121%Travelers$2,274$3,443$1,16951%Farmers$1,966$4,109$2,143109%Allstate$2,694$5,579$2,885107%USAA*$1,442$3,542$2,100146% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in MassachusettsFull coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Massachusetts is $169 less than the national average car insurance rates in the U.S.There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.What is full coverage car insurance in Massachusetts?Full coverage car insurance includes bodily injury liability and property damage liability coverage, as well as comprehensive and collision coverage. 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 hail 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.Final thoughtsWhen it comes to car insurance, everyone is looking for ways to save on premiums. However, cutting back on coverage to save a little money now could result in much higher costs later.Before purchasing an auto insurance policy, consider your specific needs to ensure you purchase adequate insurance coverage. Since car insurance rates differ, it’s important to compare quotes from various companies to find the most affordable coverage in Massachusetts.MethodologyInsure.com gathered data from Quadrant Information Services to get car insurance rates in Massachusetts. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)We determined the premiums for a high-risk driver with the following incidents applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in MassachusettsHow we choose the cheapest car insurance companies in MassachusettsCheapest ZIP codes for car insurance in MassachusettsCheapest car insurance in Massachusetts by ageCheapest car insurance in Massachusetts by driver historyAverage car insurance cost in MassachusettsFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330