Cheapest Car Insurance Quotes in Massachusetts (April 2025)

Written by Ben Moore and 1 other
Updated Mar 13, 2025
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Cheapest Car Insurance Quotes in Massachusetts (April 2025)

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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.

COMPARE CAR INSURANCE QUOTES IN MASSACHUSETTS

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
27 Honda Accord Embark General $299 April 20, 2025
62 Audi A4 Embark General $469 April 20, 2025
31 Infiniti M35 Bristol West $130 April 20, 2025
32 Ford Fusion Embark General $389 April 20, 2025
34 Volkswagen Tiguan Bristol West $296 April 20, 2025
69 Honda Civic Embark General $114 April 20, 2025
34 Toyota Rav4 Bristol West $276 April 20, 2025
37 Hyundai Santa Fe Bristol West $208 April 20, 2025
43 Ford Mustang Embark General $233 April 20, 2025
30 Dodge Durango Bristol West $274 April 20, 2025
Last Updated Apr 22, 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 $172 $2,068
Anchor General $173 $2,080
Progressive $213 $2,561
Bristol West $300 $3,601
National General $343 $4,121
Gainsco $429 $5,146
Assurance America $431 $5,169
Clearcover $443 $5,311
Last Updated Apr 21, 2025

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 full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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 $541 $6,496
21-24 $439 $5,272
Last Updated Apr 22, 2025

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 Ford Fusion Bristol West $575 March 31, 2025
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
Last Updated Apr 22, 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 Honda Accord Embark General $477 April 18, 2025
20 Honda Accord Embark General $379 April 18, 2025
20 Nissan Rogue Embark General $643 April 10, 2025
20 Hyundai Sonata Embark General $723 March 30, 2025
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
Last Updated Apr 21, 2025

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 $352 $4,226
35-44 $292 $3,505
45-54 $242 $2,907
Last Updated Apr 24, 2025

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 $172 $2,060
Embark General $266 $3,193
Progressive $319 $3,828
Last Updated Apr 22, 2025

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 $320 $3,836
Gainsco $429 $5,146
Last Updated Apr 22, 2025

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 $205 $2,457
65+ $211 $2,528
Last Updated Apr 21, 2025

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 $72 65 Chevrolet S10 April 19, 2025
Assurance America $85 65 Dodge Journey April 19, 2025
National General $191 65 Subaru Forester April 19, 2025
National General $110 65 Kia Soul April 19, 2025
Bristol West $153 65 Toyota Camry April 19, 2025
Bristol West $1,064 65 Toyota Rav4 April 18, 2025
Electric $57 65 Plymouth Breeze April 18, 2025
Progressive $31 65 Ford Expedition April 18, 2025
Embark General $56 65 Ford Escape April 18, 2025
Safeco $410 65 Acura Mdx April 17, 2025
Last Updated Apr 21, 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 $66 65 Kia Soul April 23, 2025
Progressive $691 65 Dodge Grand Caravan April 23, 2025
Root $439 65 Ford Explorer April 23, 2025
Bristol West $253 65 Chevrolet Trailblazer April 23, 2025
National General $127 65 Chevrolet Equinox April 23, 2025
Bristol West $187 65 Chrysler Town & Country April 22, 2025
Safeco $233 65 Nissan Altima April 22, 2025
Aspire Advantage $124 65 Chevrolet Tracker April 22, 2025
Progressive $269 65 Porsche Cayenne April 22, 2025
National General $147 65 Volkswagen Jetta April 21, 2025
Last Updated Apr 25, 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
Commonwealth Insurance $72 $863
Aspire Advantage $121 $1,455
Anchor General $122 $1,463
Safeco $143 $1,713
Mendota $156 $1,875
Last Updated Apr 22, 2025

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 $302 35 Ford Fusion April 19, 2025
Bristol West $570 24 Nissan Sentra April 19, 2025
Embark General $187 26 Toyota Celica April 19, 2025
Bristol West $287 36 Volkswagen Tiguan April 18, 2025
Bristol West $616 23 Honda Civic April 18, 2025
Bristol West $735 27 Ford Mustang April 17, 2025
Embark General $207 43 Kia Forte April 17, 2025
Bristol West $233 48 Ford Escape April 16, 2025
Bristol West $370 28 Honda Civic April 15, 2025
Bristol West $321 27 Hyundai Accent April 15, 2025
Last Updated Apr 21, 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 $129 $1,543
Progressive $164 $1,971
National General $265 $3,178
Bristol West $320 $3,841
Embark General $435 $5,221
Last Updated Apr 22, 2025

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 $274 30 Dodge Durango April 20, 2025
Bristol West $450 48 Jeep Compass April 17, 2025
Embark General $230 52 Jeep Wrangler April 17, 2025
Embark General $223 36 Hyundai Sonata April 4, 2025
Embark General $199 49 Hyundai Tucson April 4, 2025
Bristol West $642 38 Toyota Highlander March 31, 2025
Bristol West $56 56 Nissan Versa March 31, 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
Last Updated Apr 22, 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 $353 33 Chevrolet Impala April 18, 2025
Bristol West $85 48 Mitsubishi Mirage April 17, 2025
Bristol West $339 40 Jeep Grand Cherokee April 13, 2025
Bristol West $790 34 Bmw X5 April 11, 2025
Bristol West $192 33 Dodge Grand Caravan April 9, 2025
Bristol West $127 41 Jeep Compass April 1, 2025
Bristol West $151 53 Bmw 528Xi March 30, 2025
Bristol West $187 26 Honda Crosstour March 30, 2025
Bristol West $130 27 Ford F-150 March 10, 2025
Bristol West $364 45 Hyundai Genesis March 4, 2025
Last Updated Apr 22, 2025

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 $245 $2,942
Improper Passing $342 $4,102
Last Updated Apr 22, 2025

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 canceling your current one to avoid an insurance lapse, which can increase your rates.

Find affordable car insurance in minutes.

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.

MEET OUR EXPERTS
meet-experts-thumbnail
Ben Moore

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.