Cheapest Insurance in Massachusetts 2021

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  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Despite being a no-fault state, car insurance rates in Massachusetts are pretty reasonable, coming in around the national average. To find the best rate, you’ll want to explore quotes from multiple companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Massachusetts. And if you want to learn more about car insurance rates in Massachusetts, keep reading.
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Here’s how much real Jerry customers saved in Massachusetts when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
June 14, 2021Ram 1500 ST
West Springfield
41AllstateStandard$200/mo.$81/mo.
June 1, 2021BMW 328 Xigt
Somerville
31TravelersCurrent$183/mo.$128/mo.
April 26, 2021Honda Accord Sport
Medford
25KemperCurrent$220/mo.$163/mo.
September 10, 2020Honda Accord Sport
Medford
25NationwideCustom$220/mo.$165/mo.
August 19, 2021Nissan Altima 2.5
Berkley
44SafecoPredicted$225/mo.$188/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Massachusetts.

Cheapest minimum coverage car insurance in Massachusetts

The minimum required insurance coverage varies depending on your state laws. In Massachusetts, drivers must have the following:
  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
  • $20,000 uninsured motorist bodily injury per person
  • $40,000 uninsured motorist bodily injury per accident
  • $8,000 personal injury protection
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Massachusetts:
Before Jerry
After Jerry
$3,000$1,036
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Additional coverages you might want to consider when shopping for car insurance in Massachusetts

Risk factorCoverage to consider
Blizzards and tropical stormsComprehensive insurance coverage covers your vehicle should it sustain physical damage from weather events (or from vandalism or an accident).
Roadside assistanceRoadside assistance can help with everything from towing services to battery jumps to locksmith services if you accidentally lock your key inside your car. It’s particularly good for drivers who have long commutes.
High repair costsCollision insurance will cover repair costs for your vehicle if you get into an accident while on the road.
Massachusetts includes bodily injury liability, property damage liability, uninsured motorist protection, and personal injury protection in its mandatory minimum requirements, but securing additional coverage is a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Massachusetts

Driving without the mandatory minimum insurance is never a good idea. Massachusetts considers this a civil motor vehicle infraction, the penalties for which can include a fine of up to $5,000, license suspension for one year, and up to one year imprisonment. You’re also required to pay a fee of at least $500 to the assigned risk plan.
Luckily, premiums for minimum liability insurance are pretty reasonable.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Massachusetts:
Insurance Company
Before Jerry
After Jerry
Safeco$3,000$1,036

Cheapest full coverage car insurance in Massachusetts

The mandatory minimum coverage leaves a pretty big gap: it doesn’t cover damage to your own vehicle. For this reason, it’s a good idea to secure additional coverage if you can afford it.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$3,405$2,393
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Best carriers for full coverage car insurance in Massachusetts

There are dozens of insurance providers to choose from in Massachusetts, each with different premiums for full coverage insurance.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Massachusetts:
Insurance Company
Before Jerry
After Jerry
Travelers$3,323$2,141
Safeco$3,444$2,513
Though the mandatory minimum insurance is all you need to drive in Massachusetts, securing full coverage can provide you with peace of mind and financial protection.

Cost to insure your car in Massachusetts by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Statistics show that young drivers are more likely to engage in risky behaviors and decisions behind the wheel. They’re also more likely than experienced drivers to get into car accidents.
This added risk is a major part of what makes rates for young drivers so expensive.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$3,369$2,260
21-24$3,056$2,115
25-34$2,705$1,754
35-44$2,662$1,743
45-54$2,125$1,369
55-64$2,617$1,734
65+$1,743$1,079
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Cost of insurance for drivers in Massachusetts with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Massachusetts, points remain on your driving record for six years and can affect your insurance premiums, since you’re considered a higher-risk driver.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,055$2,099
Failure to Obey Traffic Sign$1,710$1,674
Seat Belt$3,120$1,956
Wrong Way/Wrong Lane$3,840$2,134
Speeding under 15$3,096$2,446
Speeding over 15$5,810$4,415
Other$3,320$1,900

Best carriers for drivers with infractions in Massachusetts

Insurance Company
Before Jerry
After Jerry
Allstate$2,400$1,059
Progressive$2,124$1,578
Nationwide$2,640$2,004
Kemper$2,640$2,010
Travelers$3,167$2,113
Safeco$3,369$2,367
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Cost of insurance for young drivers in Massachusetts with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
The state mandates graduated licensing and recommends that young drivers take an approved defensive driving course. Even still, rates remain high due to the high risk that the insurance company bears.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,805$2,606
Speeding over 15$7,320$5,601
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Massachusetts, check out these top carriers.

Best carriers for young drivers with infractions in Massachusetts

Insurance Company
Before Jerry
After Jerry
Travelers$4,101$2,544
Safeco$4,475$3,058
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Massachusetts

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Massachusetts.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Continuous insurance discountIf you’ve had no gaps in your insurance coverage, many insurers will offer discounts of up to 15%.
Multi-policy discountInsuring more than one product with the same insurance company—like auto and home—often comes with savings of up to 15%.
Payment discountYou can often save on your premium if you pay it in full at the beginning of the term rather than opting for monthly installments.
Safe driving discountIf you have no accidents on your record, you may be eligible for a safe driving discount. The longer your record remains clean, the bigger the discount usually is.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Massachusetts?

If you’re one of the many people in Massachusetts who own an Accord, Camry, Civic, or Corolla, you already know that these types of vehicles are some of the most affordable to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Acura Rl$2,856$2,376
Acura TL$2,700$1,968
Audi Q3 Prestige$3,360$1,800
BMW 320 I$3,672$2,040
Chevrolet Impala LT$1,200$780
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Cheapest car insurance in Massachusetts by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Massachusetts is a no-fault state so drivers require a good deal of minimum coverage. The uninsured motorist protection and PIP add quite a bit to the cost.
The state also has fairly high repair costs. And since insurance companies are on the hook for most repairs, they pass on the cost to policyholders through higher premiums.
City
Before Jerry
After Jerry
Springfield
$3,983$2,485
Fall River
$2,855$1,849
Boston
$3,294$2,308
Worcester
$2,921$2,126
Lawrence
$3,688$2,838
Somerville
$2,971$2,030
Quincy
$2,326$1,741
Cambridge
$2,718$1,853
Haverhill
$2,739$1,873

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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