Low-cost car insurance in Massachusetts

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.

Drivers in Massachusetts can find the cheapest average premium with Plymouth Rock Assurance, at $1,719 per year. By comparison, the statewide average monthly cost is $203. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Massachusetts requires drivers to carry at least $20,000 in bodily injury coverage per person, $40,000 in bodily injury per accident, and $5,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Massachusetts, depending on your situation.

Key Takeaways

Plymouth Rock Assurance has the lowest average car insurance premium in Massachusetts, costing $1,719 per year. That’s $711 the state average.
For drivers with an at-fault accident on record, GEICO offers the most affordable coverage at around $2,707 annually.
The 1354 ZIP code stands out as the cheapest area for auto insurance in Massachusetts, with an average yearly cost of $1,778.

Low-cost car insurance companies in Massachusetts

Plymouth Rock Assurance offers the lowest car insurance rates in Massachusetts, with an average annual premium of $1,719 per year. It’s $711 less expensive than the average car insurance cost in Massachusetts. Your actual rate 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 from low-cost car insurance companies..

Company	Average annual rates
Plymouth Rock Assurance	$1,719
GEICO	$1,817
Safety Insurance	$2,189
Progressive	$2,490
Amica	$2,491
Arbella Insurance	$2,807
Farmers	$2,807
Travelers	$2,962
Allstate	$3,388
USAA*	$1,658

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Massachusetts

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Massachusetts

Drivers in the 1354 ZIP code pay the lowest average annual premium in Massachusetts, at $1,778. See which other areas of the state offer more affordable rates below.

ZIP code	City	Average annual rates
1354	Gill	$1,778
1378	Warwick	$1,814
1360	Northfield	$1,876
1373	South Deerfield	$1,884
2653	Orleans	$1,886
1337	Bernardston	$1,888
1344	Erving	$1,891
1220	Adams	$1,891
1342	Deerfield	$1,893
1367	Rowe	$1,895

You might find interesting

Explore related topics

Auto 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 city

See rates in your city

Our agents make it hassle-free to get the right quote.

Call (844) 814-8854

Ethan Available Now

Jack Available Now

Robbie Available Now

Ellie Available Now

Low-cost car insurance in Massachusetts by age

Young drivers often face the highest premiums. In Massachusetts, for example, a 16-year-old pays $8,709 more than a 40-year-old driver.

The table below shows how rates change by age group.

Age group	Full coverage annual premiums
Teens (16-19)	$8,302
Young Adults (20-24)	$3,767
Adults (25-60)	$2,445
Seniors (65-75)	$2,103

Low-cost car insurance in Massachusetts by driver history

Your driving history is one of the main factors insurers look at when determining how much you pay for coverage.Your auto insurance premiums will increase if you’re responsible for an accident or pulled over for a violation. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you will likely get coverage for a lower price.

Low-cost car insurance after a speeding ticket in Massachusetts

Just one speeding ticket in Massachusetts can raise your rates by 30% – $735 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,817	$2,033	12%	$216
Safety Insurance	$2,189	$2,725	24%	$536
Progressive	$2,490	$3,333	34%	$844
Farmers	$2,807	$3,503	25%	$696
Travelers	$2,962	$4,280	44%	$1,317
USAA*	$1,658	$1,927	16%	$268

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Massachusetts

After an at-fault accident, premiums increase significantly, but some insurers still offer cheaper options. GEICO has the lowest average rate at $2,707 per year.

If you’ve been in an accident, shopping around can help reduce costs. The table below highlights companies in Massachusetts with the most affordable rates for drivers with an accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,817	$2,707	49%	$890
Arbella Insurance	$2,807	$3,183	13%	$376
Safety Insurance	$2,189	$3,756	72%	$1,567
Progressive	$2,490	$3,794	52%	$1,305
Travelers	$2,962	$4,620	56%	$1,658
Farmers	$2,807	$5,368	91%	$2,562
Allstate	$3,388	$5,583	65%	$2,195
USAA*	$1,658	$2,410	45%	$751

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Massachusetts

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Massachusetts are more affordable than others. The table below shows which companies offer the lowest average rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Progressive	$2,490	$3,032	$543	22%
GEICO	$1,817	$3,115	$1,298	71%
Travelers	$2,962	$4,486	$1,524	51%
Arbella Insurance	$2,807	$4,710	$1,903	68%
Safety Insurance	$2,189	$4,829	$2,640	121%
Farmers	$2,807	$5,868	$3,061	109%
Allstate	$3,388	$7,017	$3,629	107%
USAA*	$1,658	$4,073	$2,415	146%

*USAA is only available to military community members and their families.

Average cost of car insurance Massachusetts

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Massachusetts, the average cost of full coverage is $83 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Massachusetts, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

It’s natural to look for ways to lower your insurance costs, but cutting corners on coverage can leave you financially vulnerable after an accident.

Make sure you choose a policy that balances affordability with protection. Always compare quotes from at least three companies to find low-cost car insurance in Massachusetts.

Methodology

Insure.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 violations 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 applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing 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.