How to find the cheapest car insurance quotes in Massachusetts
There’s no single insurance provider that offers the best rate for every driver, so finding an affordable rate can sometimes be tricky. The easiest and most convenient way to find cheap auto insurance without compromising coverage is to shop around and compare car insurance quotes with an online comparison tool.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Bristol West | $197 | Blake, 24, Fall River, MA | Honda Accord Lx | State Minimum | No |
| Bristol West | $206 | Donald, 54, Fall River, MA | Toyota Corolla Base | State Minimum | No |
| Bristol West | $65 | Harvey, 50, Somerville, MA | Hyundai Veloster | State Minimum | Yes |
| Embark General | $170 | Tony, 23, West Warren, MA | Subaru Impreza 2.5I | State Minimum | No |
| Bristol West | $194 | Ethan, 40, Agawam, MA | Chevrolet Traverse Lt | State Minimum | Yes |
Cheapest car insurance companies in Massachusetts
Finding the best rate for car insurance is a tricky task. Luckily, Jerry conducted a national insurance survey to uncover the best providers for drivers.
The study shows that there isn’t a “best” or “cheapest” insurance company for every driver. Rather, auto insurance companies use different algorithms to calculate insurance rates, so not every company will offer the same rate for the same driving profile.
In Massachusetts, Liberty Mutual, ROOT, and National General usually offers the cheapest rate for drivers, but other providers like Progressive, Travelers, and USAA may also offer competitive rates.
Here’s what drivers have to say about these insurance providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Direct Auto | August 19, 2024 | 5 | “I they were great unfortunately I’m switching now but they did well for me for several years “ -Gilbert |
| Dairyland | August 11, 2024 | 5 | “Best and cheapest insurance I can get at my age “ -Josie |
| Aspire Advantage | August 9, 2024 | 5 | “Just started today in application process.. Happy because they were willing to work with me and save money..” -Charlotte |
| The General | August 9, 2024 | 4 | “Good” -Fanny |
| Infinity | August 8, 2024 | 5 | “We have not had to make a claim but I am happy with the price for comparable coverage. “ -Sallie |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
If you’re looking for insurance quotes online and don’t want to deal with the hassle of phone calls and emails, try a car insurance comparison app or website.
Jerry Insurance Agency is the leading car insurance comparison app that makes it quick and easy to shop for insurance quotes. Jerry partners with over 50 top insurance providers and has 100+ licensed insurance agents to help you find the best coverage options for the best rate, 24/7.
Minimum car insurance requirements for liability and full coverage in Massachusetts
Before you can get behind the wheel of a car in Massachusetts, you must have car insurance that meets the state’s minimum insurance requirement. Massachusetts car insurance laws require drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). However, drivers may also choose to purchase full-coverage auto insurance for greater financial protection.
Cheapest minimum liability coverage in Maryland
Massachusetts’ minimum liability insurance requirements follow a 20/40/5 pattern—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
Do you need more than the minimum liability insurance coverage in Maryland?
Massachusetts minimum car insurance requirements are low compared to other states, so most drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.
If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled can cost more than $50,000, while medical expenses can quickly exceed $5,000.
The bottom line: For better financial protection, Massachusetts drivers should purchase car insurance that exceeds the minimum state requirements—50/100/50 or even 100/200/100—or consider purchasing a full-coverage policy.
Cheapest full coverage Massachusetts auto insurance quotes
Buying a full coverage car insurance policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.
A full coverage policy in Massachusetts includes liability insurance plus comprehensive and collision coverage:
- Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
- Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you lease your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
Check out the table below for some examples of where Jerry helped Massachusetts drivers find affordable full-coverage insurance policies.
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| State Minimum | No | Bristol West | $197 | Blake, 24, Fall River, MA | Honda Accord Lx |
| State Minimum | No | Bristol West | $206 | Donald, 54, Fall River, MA | Toyota Corolla Base |
| State Minimum | Yes | Bristol West | $65 | Harvey, 50, Somerville, MA | Hyundai Veloster |
| State Minimum | No | Embark General | $170 | Tony, 23, West Warren, MA | Subaru Impreza 2.5I |
| State Minimum | Yes | Bristol West | $194 | Ethan, 40, Agawam, MA | Chevrolet Traverse Lt |
Average rates for minimum liability coverage and full coverage car insurance in Massachusetts
We’ve worked with several top insurance providers in Massachusetts and found that the average cost of minimum liability coverage is $98 per month or $1,175 per year. The average cost for full coverage insurance in Massachusetts is $173 per month or $2,075 per year.
The average cost of car insurance in Massachusetts is indicative of what you can expect to pay—but because insurance costs are determined by several factors like age and driving record, you may pay more or less. Rates will also vary between providers.
Massachusetts car insurance: Additional coverages
Massachusetts drivers are required to carry the minimum insurance requirements, which include liability insurance and personal injury protection (PIP). If you opt for a full-coverage policy, you’ll also have collision and comprehensive insurance.
For additional financial protection, Massachusetts drivers should consider:
- Uninsured motorist protection
- Medical payments (MedPay)
- Rental reimbursement
- Towing and labor
- Accident forgiveness
If you have a loan on your car: Gap insurance helps cover the difference between the car’s actual cash value and the amount you still owe if the vehicle is totaled in a crash or stolen.
Learn more: Types of insurance
Car insurance premium by rating factors
When determining your insurance premium, providers use a variety of factors. Some of the most common factors affecting insurance rates include:
- Driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record.
- Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Rates also vary based on your ZIP code, even in the same city.
- Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles.
- How you use your car: Cars driven for work generally have higher insurance premiums than cars driven for leisure.
- Your credit score: Some states consider your credit score when quoting insurance premiums—drivers with better credit scores usually pay less for the same insurance coverage.
- Demographics: Age and gender influence insurance rates, with men typically paying more than women and under 25 and over 60 drivers paying higher rates.
How to find cheap Massachusetts car insurance if you’re a high-risk driver
A violation on your driving record is never idea—and it can have significant consequences for your car insurance rates.
A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates.
Cheapest car insurance for Massachusetts drivers with a speeding ticket
The minimum fine for a speeding ticket in Massachusetts is $100. Drivers pay $10 for every 10 mph over the speed limit they are caught driving.
Here’s a breakdown of the fines:
- 8 mph over speed limit: $100
- 10 mph over speed limit: $110
- 20 mph over speed limit: $120
- 30 mph over speed limit: $130
- 40 mph over speed limit: $140
Speeding tickets are never good to have on your record and can raise your Massachusetts insurance rate by more than 30%. Luckily, Jerry Insurance Agency can help you find savings on car insurance—even with a speeding ticket!
Check out the table below for real-life examples of how Jerry helped Massachusetts drivers with speeding tickets save on car insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $142 | Francis, 29, Boston, MA | State Minimum | No |
| Speeding Violation-Minor | Embark General | $641 | Beatrice, 38, Roxbury, MA | State Minimum | Yes |
| Speeding Violation-Minor | Embark General | $1,227 | Lucile, 31, Boston, MA | State Minimum | Yes |
| Speeding Violation-Major | Bristol West | $298 | Esther, 36, Norwood, MA | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $198 | Ernest, 44, Chicopee, MA | State Minimum | Yes |
How to find cheap Massachusetts auto insurance after a DUI
A serious driving violation like a DUI in Massachusetts can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your second Massachusetts DUI, for instance.
Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than drivers without a DUI.
The best way to secure an affordable rate on Massachusetts insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.
Massachusetts SR-22 insurance
If you have a major violation like a DUI on your Massachusetts driving record you may have to file an SR-22 before you can regain your license. Insurance providers issue SR-22s to high-risk drivers to prove they meet the state’s minimum insurance requirements.
SR-22s are usually required for the following violations:
- Driving without insurance
- Driving without a valid driver’s license
- DUI or DWI conviction
- Hit-and-run
- Reckless driving
- Distracted driving
- Repeated driving violations
- An at-fault collision leading to death or injury
If you’re required to file an SR-22 in Massachusetts, you will see a sharp increase in your insurance rates until it is no longer required.
How to find cheap car insurance in Massachusetts after an at-fault accident
At-fault accidents on your driving record can be a big cause for an increase in your insurance rate. Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are and the more likely they are to have to make a payout. If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Bristol West | $70 | Daniel, 31, Plymouth, MA | State Minimum | No |
| At Fault With No Injury | Embark General | $995 | Seth, 33, Worcester, MA | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $143 | Katherine, 27, Brookline, MA | State Minimum | Yes |
| Not At Fault | Embark General | $235 | Austin, 29, Stoughton, MA | State Minimum | No |
| Not At Fault | Embark General | $372 | Manuel, 26, Worcester, MA | State Minimum | No |
FAQ
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Is Massachusetts an at-fault state?
Cheapest auto insurance after other violations in Massachusetts
A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license—all of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.
Check out some examples of how Jerry helped Massachusetts drivers with violations find affordable insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Embark General | $714 | Ricky, 35, Reading, MA | State Minimum | Yes |
| Ticket Violation Not Listed | Embark General | $332 | Zachary, 24, Methuen, MA | State Minimum | No |
| Ticket Violation Not Listed | Bristol West | $560 | Beatrice, 30, Bellingham, MA | State Minimum | Yes |
| Other Minor | Bristol West | $119 | Devin, 27, Taunton, MA | State Minimum | No |
| Other Minor | Bristol West | $288 | Daisy, 26, Attleboro, MA | State Minimum | Yes |
Cheapest Massachusetts auto insurance based on insurance history
Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium. Insurers want to know that you haven’t had a lapse in insurance coverage, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate.
Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Cheapest car insurance for drivers with poor credit
Credit isn’t just for buying a home or car—it’s also a factor that can influence your insurance rate. But there’s good news for Massachusetts drivers: it’s illegal for Bay State auto insurance companies to use your credit score to set your premiums, deny you coverage, or raise your rates on renewal.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 550-659 | Bristol West | $197 | Blake, 24, Fall River, MA | Honda Accord Lx | State Minimum | No |
| 550-659 | Bristol West | $206 | Donald, 54, Fall River, MA | Toyota Corolla Base | State Minimum | No |
| 550-659 | Bristol West | $65 | Harvey, 50, Somerville, MA | Hyundai Veloster | State Minimum | Yes |
| 660-750 | Embark General | $170 | Tony, 23, West Warren, MA | Subaru Impreza 2.5I | State Minimum | No |
| 550-659 | Bristol West | $497 | Duane, 25, Dorchester Center, MA | Honda Civic Ex | State Minimum | Yes |
Cheapest Massachusetts car insurance by age
Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 60 tend to pay the highest rates for insurance due to a lack of driving experience and a higher risk of death and injury, respectively.
USAA, GEICO, and State Farm offer affordable car insurance rates for new drivers, but it still pays to shop around to find the best rate for you.
Cheapest Massachusetts car insurance for young drivers
Younger drivers—people under 25—pay the most for insurance of any age group in Massachusetts. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim.
Do note that you may notice lower premiums for a teen driver who only has a Massachusetts provisional license. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.
Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again.
If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.
Learn more: The best cheap car insurance for teens
Cheapest Massachusetts car insurance for senior drivers
Apart from drivers under 19, drivers over 60 have some of the highest insurance rates—despite having more driving experience.
Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher insurance rates for seniors.
How to find car insurance discounts in Massachusetts for your motor vehicle
The type of car you drive can influence how much you pay for your premium. Generally speaking, the higher your car’s book value, the more you’ll pay to insure it. But that’s not it—other factors associated with your car that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
Some of the most popular cars among Massachusetts drivers are:
- Nissan Maxima
- Hyundai Sonata
- Jeep Grand Cherokee
- Honda CR-V
- Toyota RAV4
- Nissan Altima
- Toyota Corolla
- Honda Civic
- Toyota Camry
- Honda Accord
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Accord Lx | Bristol West | $197 | Blake, 24, Fall River, MA | State Minimum | No |
| Toyota Corolla Base | Bristol West | $206 | Donald, 54, Fall River, MA | State Minimum | No |
| Honda Civic Ex | Bristol West | $497 | Duane, 25, Dorchester Center, MA | State Minimum | Yes |
| Toyota Corolla L | Embark General | $304 | Olga, 30, Foxborough, MA | State Minimum | No |
| Toyota Corolla L | Bristol West | $236 | Eric, 33, Fall River, MA | State Minimum | Yes |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
Although the value of most cars usually decreases with age, that doesn’t always mean older cars have cheaper insurance. Insurance rates are determined by how much an insurer would have to pay if the car was damaged, so a more expensive car with higher repair costs means a higher insurance rate, regardless of age. More safety features in a vehicle can also help to reduce insurance costs.
In general, newer cars cost more to insure than older cars. At Jerry, we found that Massachusetts’s average full coverage insurance cost for a car older than 10 years is $1,569 per year. The average cost for insuring a car less than 4 years old goes up to $1,854 per year.
How to find cheap car insurance in Massachusetts in your city
Where you live in Massachusetts can have a big influence on how much you pay for car insurance. Certain areas are subject to higher crime rates, which means a larger payout for insurance companies if cars are stolen or damaged. Urban areas also see higher insurance rates than rural areas due to population differences.
In addition to crime, factors like population density, accident rates, and weather also affect how much you pay for car insurance.
Take a look at the table below to see how Jerry agents helped Massachusetts drivers in different cities save on insurance costs.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Fall River, MA | Blake | Bristol West | $197 | Honda Accord Lx | State Minimum | No |
| Fall River, MA | Donald | Bristol West | $206 | Toyota Corolla Base | State Minimum | No |
| Somerville, MA | Harvey | Bristol West | $65 | Hyundai Veloster | State Minimum | Yes |
| West Warren, MA | Tony | Embark General | $170 | Subaru Impreza 2.5I | State Minimum | No |
| Agawam, MA | Ethan | Bristol West | $194 | Chevrolet Traverse Lt | State Minimum | Yes |
How to lower the cost of car insurance in Massachusetts
Finding affordable car insurance isn’t always easy, but with the right tips, you can find the best overage at the best rate. Jerry’s team of experts has compiled the best tips to help you save on car insurance:
- Shop around and compare quotes between insurance providers.
- Look at insurance policy costs before buying a car.
- Increase your deductible for comprehensive and collision insurance.
- Reduce coverage on older vehicles (or unnecessary coverage on new vehicles)
- Bundle your car and homeowners insurance to get a discount.
- Increase your credit score.
- Take a defensive driving course.
- Ask about car insurance discounts, such as good driver discounts, online payment discounts, or low mileage discounts.
Learn more: 11 Ways to lower car insurance
Why is car insurance so expensive in Massachusetts?
Car insurance rates have increased nationwide, including in Massachusetts. Here are some reasons why:
- Coverage limits (no-fault state)
- Population density
- Cost of living
- Highway density
FAQ
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How much is car insurance in Massachusetts?
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What is the average cost of car insurance in Massachusetts?
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Who has the best cheap car insurance in Massachusetts?
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What is the minimum car insurance required in Massachusetts?
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What is the cheapest type of car insurance in Massachusetts?
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Do you need insurance to register a car in Massachusetts?
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Do I need uninsured/underinsured motorist protection in Massachusetts?
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Does insurance follow the car or the driver in Massachusetts?
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What does full coverage car insurance consists of in Massachusetts?
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Can you have out-of-state car insurance in Massachusetts?
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Is PIP required in Massachusetts?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
