Cheap Massachusetts Car Insurance

Find affordable auto insurance that works for you in Massachusetts. Compare quotes from over 100 top companies.

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

Here's what you need to know when driving in Massachusetts

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

What's the cheapest car insurance in Massachusetts?
RankCompany NameAvg. Annual Premium
1Norfolk and Dedham$1,195
2Plymouth Rock$1,235
7Quincy Mutual$1,525
9National Grange Mutual$1,709
10Vermont Mutual$1,776

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

Compare Massachusetts car insurance quotes from top providers.

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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%.

Rating Factor$ Savings% Savings
No Traffic Tickets$29020.12%
No Accidents$81041.31%
Good Credit$00.00%


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.

AgeAnnual Rate with ParentsAnnual Rate Alone


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%.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,96141.31%
Speeding Violation$1,44120.12%
Bad Credit$1,1510.00%

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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. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AllstateAbove averageAverageSuperior4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
Liberty MutualBelow averageAbove averageGood4.2 / 5
MetLifeExcellentBelow averageExcellentN/A
Norfolk and DedhamN/AN/AExcellentN/A
Plymoth RockN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5


Massachusetts auto insurance laws

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


  • 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

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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.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,52097%$1,243
Refused Breathalyzer/Chemical Test$2,42490%$1,147
Reckless Driving$2,52097%$1,243
Driving with a Suspended License$2,552100%$1,275
At-Fault Accident$1,98455%$707
Driving with an Open Container$2,40388%$1,126
Operating a Vehicle Without Permission$1,62727%$350
Passing a School Bus$1,64028%$363
Improper Passing$1,64028%$363
Following Too Closely$1,64028%$363
Failure to Stop at a Red Light$1,64028%$363
Illegal Turn$1,64028%$363
Driving Wrong Way/Wrong Lane$1,64028%$363
Failure to Yield$1,64028%$363
Speeding in a School Zone$1,62427%$348
Driving Too Slowly$1,62427%$348
Distracted Driving$1,60025%$323
Driving with Expired Registration$2,15969%$882
Failure to Show Documents$2,15969%$882
Not-at-Fault Accident$1,3002%$23
Failure to Use Child Safety Restraint$1,3072%$30
Failure to Wear a Seat Belt$1,3768%$99
Driving Without Lights$1,3072%$30


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.

How much does car insurance cost in Massachusetts cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Waltham, Massachusetts, and the most expensive in Brockton, Massachusetts.

RankCityAvg. Annual Premium
5New Bedford$1,833


Recent Questions:

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.
Jun 27, 2019 Boston, MA

Should I pay out of pocket for my vehicle or file a claim with my insurance company?

The decision to file a claim would be completely up to you, but in Massachusetts, an accident has an average impact of more than $700 per year in additional premium. If the repairs are less than that then I would recommend paying for the damage out of your own pocket.
Dec 24, 2016 Springfield, MA

How does it work with insurance if I was hit by a moped

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase.
Jul 17, 2018 Everett, MA

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.
Oct 8, 2017 Boston, MA

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.