Cheap Massachusetts Car Insurance

Across the Bay State, there are 76,200 miles of road just waiting to be driven. Keep reading to learn how much auto insurance costs in Iowa based on the most common rating factors. Or, let The Zebra help you find the best-priced insurance via our free online quote comparison tool.

Affordable insurance companies in Massachusetts

Discover quotes from dozens of insurers that offer coverage throughout Massachusetts. Enter your ZIP code below to get started.

Cheap auto insurance for good drivers in Massachusetts

Drivers with great driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Massachusetts drivers without a recent at-fault accident typically save 41% on their car insurance premiums, which beats the US average by 9%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Cheap auto insurance for young drivers in Massachusetts

Young drivers — those between the ages of 16 and 25 — pay relatively high auto insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. Massachusetts is a relatively affordable state for teen drivers: the typical teen driver pays $4,210 per year — about $700 less than the national average for teens, but still four times more than the average driver in Massachusetts.

Cheap auto insurance for bad drivers in Massachusetts

If you avoid at-fault accidents, speeding tickets, and DUIs, you can save money on car insurance. Insurance companies use your driving record as a way to predict the level of risk you present, so maintaining a spotless driving record will lead to lower premiums. It's especially important to avoid at-fault accidents, speeding tickets and DUI citations in Massachusetts, one of the states in which insurance companies penalize poor driving most severely. In fact, a single speeding ticket could raise your car insurance rates by 20% in Massachusetts — and a DUI could raise your premiums by as much as 49%.

Top rated car insurance companies in Massachusetts

Every car insurer advertises its low premiums. But just like with any product or service, the cheapest choice is not always the best selection. Considering the stakes, it's worth doing the due diligence to find an insurance policy that protects your vehicle completely in the event of a collision. Exercise some patience and look for a great value, rather than settling for the most affordable car insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Massachusetts auto insurance laws

In Massachusetts, drivers are required to carry liability, uninsured motorist, and personal injury protection coverages at the below minimum levels:

Liability

• Bodily Injury $20,000 per person
• Bodily Injury $40,000 per accident
• Property Damage $5,000 per accident

Uninsured Motorist

• Bodily Injury $20,000 per person
• Bodily Injury $40,000 per accident

Personal Injury Protection

• $8,000 per person

Optional coverage in Massachusetts (varies by carrier):

• Comprehensive
• Collision
• Limited Collision
• Loan/Lease Payoff
• Medical Payments
• Rental Car Reimbursement
• Roadside Assistance
• Underinsured Motorist Bodily Injury
• Optional Bodily Injury (OBI)

If you carry the legal minimum coverage level in Massachusetts, you'll pay an average of $609 yearly. These premiums are cheaper than the nationwide average by 7%. If you choose more comprehensive coverage, you can select a policy with comprehensive and collision coverage, insuring against damages caused by car-vs.-car collisions, theft, or weather incidents. It's worth noting that better car insurance comes with a price: in Massachusetts, a comprehensive insurance policy with a $1,000 deductible costs $983, 61% more than basic liability-only coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 93% more than you would for a liability-only policy.

Learn more about car insurance regulations in the state of Massachusetts. 

How tickets change insurance rates in Massachusetts

If you get a ticket, your auto insurance costs will probably rise. How much your rates rise depends on the violation, your insurance company's pricing strategy, and differing local insurance risks and regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a snapshot of average car insurance rates in Massachusetts after a few common violations.

Massachusetts car insurance FAQs

Who really has the cheapest car insurance in Massachusetts?

Regional companies offer the cheapest car insurance in Massachusetts. Norfolk and Dedham offer the cheapest rates, at $597 for a six-month policy, and Plymouth Rock offers the second-cheapest: $617.

What is the best car insurance in Massachusetts?

The best insurance in MA is the policy that matches your needs. The only way to find that is to shop around with national and regional companies. Use our comparison calculator to see rates in Massachusetts.

Why is car insurance so expensive in Massachusetts?

Massachusetts car insurance rates are 18% cheaper than the average rate in the U.S. This changes if you're in a bigger city, such as Boston, where the average rate is 26% more expensive than the U.S. and 50% more expensive than the statewide average. Find rates for your city with us today.