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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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?
Rank Company Name Avg. Annual Premium
1 Norfolk and Dedham $1,195
2 Plymouth Rock $1,235
3 MAPFRE $1,275
4 Travelers $1,323
5 MetLife $1,425
6 Arbella $1,467
7 Quincy Mutual $1,525
8 Progressive $1,651
9 National Grange Mutual $1,709
10 Vermont Mutual $1,776
11 Hanover $1,945

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

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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 $290 20.12%
No Accidents $810 41.31%
Good Credit $0 0.00%


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.

Age Annual Rate with Parents Annual Rate Alone
16 $4,612 $5,046
17 $4,321 $4,507
18 $4,104 $4,334
19 $4,104 $2,656


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 Factor Annual Rate % Increase
At-Fault Accident $1,961 41.31%
DUI $2,293 49.80%
Speeding Violation $1,441 20.12%
Bad Credit $1,151 0.00%

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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)

Allstate Average Average Superior 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Liberty Mutual Average Above average Good 4.2 / 5
MetLife N/A Below average Excellent N/A
Norfolk and Dedham N/A N/A Excellent N/A
Plymoth Rock N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,520 97% $1,243
Refused Breathalyzer/Chemical Test $2,424 90% $1,147
DUI $2,454 92% $1,177
Racing $2,464 93% $1,187
Reckless Driving $2,520 97% $1,243
Driving with a Suspended License $2,552 100% $1,275
At-Fault Accident $1,984 55% $707
Driving with an Open Container $2,403 88% $1,126
Operating a Vehicle Without Permission $1,627 27% $350
Passing a School Bus $1,640 28% $363
Improper Passing $1,640 28% $363
Following Too Closely $1,640 28% $363
Speeding $1,622 27% $345
Failure to Stop at a Red Light $1,640 28% $363
Illegal Turn $1,640 28% $363
Driving Wrong Way/Wrong Lane $1,640 28% $363
Failure to Yield $1,640 28% $363
Speeding in a School Zone $1,624 27% $348
Driving Too Slowly $1,624 27% $348
Distracted Driving $1,600 25% $323
Driving with Expired Registration $2,159 69% $882
Failure to Show Documents $2,159 69% $882
Not-at-Fault Accident $1,300 2% $23
Failure to Use Child Safety Restraint $1,307 2% $30
Failure to Wear a Seat Belt $1,376 8% $99
Driving Without Lights $1,307 2% $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.

Rank City Avg. Annual Premium
1 Brockton $2,437
2 Lynn $2,160
3 Springfield $2,019
4 Worcester $1,864
5 New Bedford $1,833
6 Boston $1,766
7 Quincy $1,764
8 Lowell $1,654
9 Cambridge $1,579
10 Waltham $1,492



Car insurance in MA to exclude my disabled spouse

Massachusetts is considered a No-Fault state and requires Personal Injury Protection coverage. This means that your insurance company will pay for your medical injuries no matter who is at fault in the accident.
Aug 23, 2018 Charlton, MA

Isn't it most cost effective to have cars and home with one company

Yes, typically it is cheaper to bundle your car and home insurance policies with one insurance company. Most companies will give you a multi-policy discount when you have more than one line of business with their company.
Aug 20, 2018 Wayland, MA

Is my son covered if he got into an accident before being added to our policy?

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.
Jan 20, 2020 Medway, MA

What is the best insurance company for a new driver?

Unfortunately, there's not really an easy answer to this. There are many different factors that go into calculating your rate.
May 15, 2019 Holyoke, MA

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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.