Cheapest Insurance in Massachusetts 2021

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  • Find cheapest car insurance Massachusetts
  • Best insurance companies
  • 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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Find the cheapest car insurance in Massachusetts with Jerry

There’s a lot that goes into determining insurance premiums, including your demographics, driving record, and even things like where you live. Comparing premiums from multiple companies can help ensure you’re getting the best rate for the coverage you need.
Here’s how much Jerry customers were paying for car insurance in Massachusetts before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Massachusetts with Jerry

Insurance Company
Before Jerry
After Jerry
Aspire Advantage
$3,132$1,128
Progressive$1,946$1,443
Travelers$3,173$1,977
Safeco$3,056$2,149
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
$3,359$2,315
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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$3,430$2,103
Safeco$3,310$2,459
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$3,337$2,157
21-24$2,994$2,027
25-34$2,670$1,747
35-44$2,563$1,689
45-54$2,057$1,377
55-64$2,563$1,649
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$3,069$2,076
Failure to Obey Traffic Sign$2,224$1,683
Speeding under 15$2,230$1,684
Seat Belt$3,120$1,956
Wrong Way/Wrong Lane$3,977$2,424
Speeding over 15$6,021$4,584
Other$3,110$1,882

Best carriers for drivers with infractions in Massachusetts

Insurance Company
Before Jerry
After Jerry
Progressive$996$750
Travelers$3,391$2,181
Safeco$3,252$2,309
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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$3,803$2,496
Speeding over 15$7,320$5,376
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$3,963$2,430
Safeco$4,383$3,012
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 TL$2,700$1,968
Acura MDX$2,676$1,080
Acura Rl$2,856$2,376
Audi Q3 Prestige$3,360$1,800
BMW 320 I$3,672$2,040
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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.

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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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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