Key Takeaways
- Dairyland, National General, Safeco and Progressive are some of the cheapest car insurance companies in Massachusetts.
- The average cost of minimum coverage in Massachusetts is around $180 per month.
- Compare companies to get the cheapest car insurance quotes in Massachusetts.
The cheapest car insurance quotes in Massachusetts come from companies like Dairyland, National General, Safeco and Progressive, according to policies for Jerry customers.
We’ve included more affordable options below, including quotes for minimum and full coverage, plus age and driving history.
Cheap minimum coverage in Massachusetts
Below are ten real minimum coverage car insurance quotes in Massachusetts, according to Jerry data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 29 | Toyota Highlander | Bristol West | $182 | March 29, 2025 |
| 40 | Hyundai Tucson | Embark General | $456 | March 29, 2025 |
| 53 | Mercedes-Benz Gl 450 | Embark General | $90 | March 28, 2025 |
| 46 | Toyota Camry | Bristol West | $102 | March 28, 2025 |
| 23 | Nissan Altima | Embark General | $301 | March 28, 2025 |
| 25 | Toyota Rav4 | Embark General | $360 | March 28, 2025 |
| 28 | Kia Sorento | Embark General | $240 | March 28, 2025 |
| 24 | Mazda Cx-5 | Embark General | $285 | March 28, 2025 |
| 44 | Honda Civic | Bristol West | $135 | March 28, 2025 |
| 40 | Honda Hr-V | Embark General | $557 | March 28, 2025 |
Read more: Cheapest car insurance in Boston, MA
Massachusetts minimum car insurance requirements
Minimum coverage includes only Massachusetts’s state-mandated auto insurance requirements, which are:
- Bodily injury liability of $20,000 per person and $40,000 per accident.
- Property damage liability of $5,000 per accident.
- Personal injury protection of $8,000.
- Uninsured motorist bodily injury of $20,000 per person and $40,000 per accident.
Cheap full coverage car insurance in Massachusetts
Below are the ten cheapest car insurance rates in Massachusetts for full coverage, based on real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Dairyland | $79 | $945 |
| Mendota | $156 | $1,875 |
| Safeco | $163 | $1,951 |
| Anchor General | $173 | $2,080 |
| Progressive | $206 | $2,477 |
| Commonwealth Insurance | $280 | $3,364 |
| Bristol West | $294 | $3,529 |
| National General | $346 | $4,157 |
| Gainsco | $429 | $5,146 |
| Clearcover | $443 | $5,311 |
Read more: Cheapest car insurance in Lowell, MA
Minimum vs. full coverage in Massachusetts
Minimum coverage is the most affordable car insurance you can get, but also the most limited. It won’t pay for damage to your own car, and your liability limits may not be enough to completely cover costs for others’ injuries or property damage if you cause a severe crash.
Full coverage costs more than minimum coverage, but offers more financial protection. It pays for damage to your car after a collision, regardless of who was at fault, plus damage from other events like vandalism and natural disasters.
If you have a loan or lease on your vehicle, the lender will require
In Massachusetts, full coverage includes collision and comprehensive insurance, plus the state-mandated coverage.
- Liability insurance: Covers injuries or property damage you cause in an accident.
- Collision coverage: Pays for repairs to your vehicle after an accident, regardless of who is responsible.
- Comprehensive coverage: Pays for damage caused by non-collision events, like weather-related incidents and theft.
Average car insurance costs for young drivers in Massachusetts
Below are the average costs of car insurance in Massachusetts for young driver age groups, according to Jerry data.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $537 | $6,449 |
| 21-24 | $433 | $5,200 |
Cheap minimum coverage in Massachusetts for a 20-year-old
Minimum coverage offers the most affordable car insurance in Massachusetts possible for younger drivers. Below are real quotes for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Toyota Camry | Embark General | $366 | March 27, 2025 |
| 20 | Saab 9-3 | Embark General | $193 | March 18, 2025 |
| 20 | Kia Optima | Bristol West | $375 | March 8, 2025 |
| 20 | Toyota Yaris | Embark General | $611 | March 7, 2025 |
| 20 | Honda Accord | Embark General | $268 | February 21, 2025 |
| 20 | Nissan Rogue | Embark General | $381 | February 7, 2025 |
| 20 | Toyota Prius | Embark General | $322 | February 5, 2025 |
| 20 | Honda Accord | Embark General | $680 | February 4, 2025 |
| 20 | Acura Tsx | Embark General | $326 | January 14, 2025 |
| 20 | Dodge Ram 1500 | Bristol West | $59 | January 13, 2025 |
Cheap full coverage in Massachusetts for a 20-year-old
Below are recent auto insurance quotes for 20-year-old drivers with full coverage, according to Jerry.
|
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
|---|---|---|---|---|
| 20 | Acura Tsx | Embark General | $477 | March 9, 2025 |
| 20 | Hyundai Veloster | Embark General | $804 | February 23, 2025 |
| 20 | Honda Odyssey | Embark General | $751 | January 21, 2025 |
| 20 | Hyundai Veloster | Bristol West | $534 | January 20, 2025 |
| 20 | Dodge Grand Caravan | Embark General | $849 | January 14, 2025 |
| 20 | Toyota Corolla | Embark General | $853 | January 8, 2025 |
| 20 | Toyota Camry | Embark General | $356 | December 12, 2024 |
| 20 | Ford Fusion | Embark General | $901 | November 21, 2024 |
| 20 | Toyota Corolla | Bristol West | $557 | October 26, 2024 |
| 20 | Honda Civic | Bristol West | $807 | August 21, 2024 |
Average auto insurance costs for mature drivers in Massachusetts (25-54)
Below is the average cost of car insurance for mature drivers, according to Jerry.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $349 | $4,191 |
| 35-44 | $290 | $3,482 |
| 45-54 | $242 | $2,900 |
Cheapest minimum coverage in Massachusetts for a 35-year-old
These are the five cheapest car insurance companies in Massachusetts for a 35-year-old driver with minimum coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Anchor General | $70 | $836 |
| National General | $140 | $1,681 |
| Bristol West | $170 | $2,044 |
| Embark General | $266 | $3,189 |
| Progressive | $319 | $3,828 |
Cheapest full coverage in Massachusetts for a 35-year-old
Here are the five most affordable auto insurers for 35-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $112 | $1,343 |
| Anchor General | $173 | $2,080 |
| Progressive | $258 | $3,099 |
| Bristol West | $322 | $3,869 |
| Gainsco | $429 | $5,146 |
Average car insurance costs for older drivers in Massachusetts (55+)
Once drivers in Massachusetts reach age 65, they may qualify for an auto insurance discount.
The table below shows the average cost of auto insurance in Massachusetts for drivers 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $204 | $2,449 |
| 65+ | $211 | $2,526 |
Cheapest minimum coverage in Massachusetts for a 65-year-old
Below are recent car insurance quotes in Massachusetts for 65-year-old drivers with minimum coverage.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Progressive | $35 | 65 | Honda Accord | March 30, 2025 |
| National General | $90 | 65 | Volkswagen Tiguan | March 28, 2025 |
| National General | $351 | 65 | Mitsubishi Mirage | March 28, 2025 |
| Progressive | $357 | 65 | Chrysler 300 | March 28, 2025 |
| First Acceptance | $73 | 65 | Toyota Highlander | March 28, 2025 |
| Progressive | $175 | 65 | Saturn L200 | March 28, 2025 |
| Progressive | $379 | 65 | Toyota Camry | March 27, 2025 |
| Trexis | $34 | 65 | Acura Tl | March 27, 2025 |
| National General | $425 | 65 | Hyundai Sonata | March 27, 2025 |
| National General | $63 | 65 | Ford F-150 | March 27, 2025 |
Cheapest full coverage in Massachusetts for a 65-year-old
Here are Jerry’s most recent auto insurance quotes in Massachusetts for 65-year-olds with full coverage.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Progressive | $83 | 65 | Toyota Camry | March 29, 2025 |
| Progressive | $33 | 65 | Subaru Outback | March 29, 2025 |
| Progressive | $86 | 65 | Lexus Es 350 | March 29, 2025 |
| Assurance America | $402 | 65 | Toyota Prius | March 29, 2025 |
| Progressive | $142 | 65 | Dodge Journey | March 28, 2025 |
| Bristol West | $264 | 65 | Kia Soul | March 28, 2025 |
| Trexis | $388 | 65 | Nissan Rogue | March 27, 2025 |
| Progressive | $107 | 65 | Toyota Camry | March 27, 2025 |
| Aspire Advantage | $124 | 65 | Chevrolet Tracker | March 27, 2025 |
| Bristol West | $234 | 65 | Chevrolet Trax | March 27, 2025 |
Cheapest car insurance in Massachusetts by driving history
Your driving record plays a big part in determining how much you’ll pay for an auto policy. Drivers with clean records usually pay much less than those with a speeding ticket or DUI. If you do get a driving violation, compare quotes from multiple insurers to find the best price. You may find a more affordable policy than your current insurer offers.
Cheap car insurance for drivers with clean records in Massachusetts
Below are the five cheapest companies, on average, for Massachusetts drivers with a clean driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $121 | $1,455 |
| Anchor General | $122 | $1,463 |
| Safeco | $128 | $1,538 |
| Mendota | $156 | $1,875 |
| Dairyland | $172 | $2,061 |
Cheapest car insurance with a speeding ticket in Massachusetts
Your rates may increase if you get a speeding ticket. Below are real car insurance quotes for Jerry customers with a speeding ticket on their record.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Bristol West | $111 | 35 | Nissan Xterra | March 28, 2025 |
| Bristol West | $71 | 37 | Ford Escape | March 28, 2025 |
| Embark General | $137 | 36 | Ford F-150 | March 27, 2025 |
| Embark General | $301 | 25 | Nissan Altima | March 26, 2025 |
| Embark General | $826 | 37 | Jeep Grand Cherokee | March 26, 2025 |
| Bristol West | $246 | 74 | Jeep Grand Cherokee | March 26, 2025 |
| Bristol West | $127 | 37 | Nissan Maxima | March 26, 2025 |
| Bristol West | $420 | 40 | Ford F250 | March 25, 2025 |
| Bristol West | $840 | 41 | Chevrolet Traverse | March 25, 2025 |
| Bristol West | $526 | 27 | Honda Civic | March 25, 2025 |
Cheapest car insurance after an at-fault accident with no injury in Massachusetts
Below are the most affordable companies in Massachusetts for drivers with an at-fault accident with no injuries on their record, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $126 | $1,517 |
| Progressive | $181 | $2,172 |
| National General | $265 | $3,178 |
| Bristol West | $319 | $3,824 |
| Assurance America | $398 | $4,776 |
Cheapest auto insurance after an at-fault accident with injury in Massachusetts
Here are monthly quotes for Jerry customers with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Bristol West | $450 | 48 | Jeep Compass | March 26, 2025 |
| Bristol West | $254 | 44 | Cadillac Escalade | March 24, 2025 |
| Embark General | $582 | 30 | Ford Fusion | March 22, 2025 |
| Bristol West | $457 | 27 | Bmw X3 | March 18, 2025 |
| Bristol West | $467 | 42 | Mercedes Benz Cla 250 | March 18, 2025 |
| Bristol West | $439 | 27 | Honda Insight | March 13, 2025 |
| Bristol West | $56 | 56 | Nissan Versa | March 13, 2025 |
| Bristol West | $280 | 30 | Honda Cr-V | March 12, 2025 |
| Bristol West | $577 | 28 | Toyota Tacoma | March 11, 2025 |
| Embark General | $958 | 34 | Mercedes Benz Cla 250 | March 9, 2025 |
Cheapest car insurance with a DUI in Massachusetts
These are recent car insurance quotes in Massachusetts for drivers with a DUI on their record.
|
Insurance Company
|
Monthly Quote
|
Age
|
Car Make and Model
|
Date of Policy
|
|---|---|---|---|---|
| Bristol West | $187 | 26 | Honda Crosstour | March 27, 2025 |
| Bristol West | $671 | 40 | Jeep Grand Cherokee | March 23, 2025 |
| Bristol West | $130 | 27 | Ford F-150 | March 10, 2025 |
| Bristol West | $364 | 45 | Hyundai Genesis | March 4, 2025 |
| Bristol West | $284 | 31 | Hyundai Santa Fe | March 1, 2025 |
| Embark General | $190 | 44 | Infiniti Qx30 | February 22, 2025 |
| Bristol West | $76 | 47 | Chevrolet Trax | February 10, 2025 |
| Bristol West | $226 | 27 | Nissan Sentra | January 2, 2025 |
| Bristol West | $135 | 24 | Chevrolet Equinox | January 1, 2025 |
| Bristol West | $199 | 35 | Nissan Pathfinder | July 15, 2024 |
Average auto insurance costs for Massachusetts drivers with other violations
Below are average monthly quotes for Massachusetts drivers with other violations on their record.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $315 | $3,779 |
| Defective Equipment | $364 | $4,371 |
| Driving on Sus. License | $120 | $1,443 |
| Failure to Obey Traffic Sign | $251 | $3,014 |
| Illegal Turn | $364 | $4,366 |
How to find cheap car insurance quotes in Massachusetts
The best way to find cheap auto insurance is to compare quotes from at least three insurers. Drivers in Massachusetts can switch insurers if they find a cheaper offer, even before their policy renews. You may be charged a penalty by your current insurer if you switch companies while your current policy is still active, so make sure your savings offset any potential fees.
Be sure a new policy is valid before cancelling a current one to avoid an insurance lapse, which can increase your rates.
Ways to lower your car insurance premium
Here are some tips to save on auto insurance:
- Ask your insurer about discounts you may be missing out on.
- Take a defensive driving course.
- Install a telematic device in your vehicle or on your phone.
- Avoid reckless driving, speeding and driving under the influence.
- Bundle your auto insurance with other policies, like home or renters insurance.
Factors that determine your car insurance premium
Insurance companies use various factors to calculate car insurance costs. However, Massachusetts law prohibits insurers from using age, credit score, gender, marital status and occupation to determine rates.
Here are some factors that insurers may use to price Massachusetts policies:
- ZIP code.
- Driving record.
- Claims history.
- Type of vehicle.
- Deductible chosen.
FAQs
-
Why is Massachusetts car insurance so expensive?
-
How much is car insurance in Massachusetts?
-
Do you need car insurance in Massachusetts?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
