Low-cost car insurance in Massachusetts

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In Massachusetts, Plymouth Rock Assurance offers the cheapest average premium at $1,719 per year. For comparison, the statewide average monthly cost is $203, though individual rates vary depending on your driving profile, location, and vehicle.

Every state sets its own car insurance rules. In Massachusetts, the minimum liability requirement is $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $5,000 for property damage per accident.

For drivers who want greater protection, full coverage can be a smart investment. It combines liability with both collision and comprehensive coverage, ensuring that your own car is also covered in the event of an accident, theft, weather damage, or other unexpected events.

Below, we highlight which insurers provide the most affordable rates across different driver categories.

Key Takeaways

Plymouth Rock Assurance offers the lowest car insurance rates in Massachusetts, at $1,719 per year, which is about $711 the state average.
GEICO has the lowest car insurance rates for drivers with a history of at-fault accidents, with an average annual cost of $2,707.
The ZIP code 1354 has the low-cost car insurance rates in Massachusetts, at an average annual rate of $1,778.

Low-cost car insurance companies in Massachusetts

Among all insurers in Massachusetts, Plymouth Rock Assurance comes in lowest at $1,719 per year – $711 less than the statewide average. Keep in mind that your actual premium depends on factors like age, driving history, ZIP code, and the type of car you drive.

Comparing quotes from multiple companies is the best way to make sure you’re getting a competitive rate.

Below are the annual premiums from the cheapest car insurance companies in Massachusetts.

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

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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

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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

One speeding ticket in Massachusetts can cause your insurance rates to jump by 30%, or roughly $735 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even after a ticket.

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

GEICO offers the lowest car insurance rates to drivers after an at-fault accident at $2,707 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one 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

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Massachusetts offer the most affordable 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

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

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

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Massachusetts, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest 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 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 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.