Car Insurance in Massachusetts
- State Farm offers the cheapest liability and full coverage in MA
- Compare the cheapest car insurance quotes in MA from Progressive, Allstate, Liberty Mutual and Nationwide (+other top companies)
The Zebra works with 100+ insurance partners to connect you with the best coverage in Massachusetts at the right price.
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Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance in Massachusetts
Massachusetts drivers see average 6-months car insurance rates around $799— rates 26% cheaper than the national average.[1] Despite lower average statewide premiums, many drivers still face unexpected rate increases. In fact, 44% of our Massachusetts customers searched for new quotes because they felt their current policies were too expensive.[2]
Car insurance rates are influenced by much more than just your location. Factors such as age and driving history also play a significant role. To help you find an affordable policy, The Zebra's experts have analyzed average car insurance rates in Massachusetts, considering these key factors.
Read on to learn how much auto insurance costs in Massachusetts based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
- As a highly-rated regional carrier, Amica scored an 836 on J.D. Power's 2024 auto study.[3] For those eligible, USAA is also top rated by J.D. Power for Customer Service.
- Read about the rest of the top and best companies in Massachusetts ↓
- State Farm offered the cheapest full insurance coverage in MA at $44/mo.
- See the other cheapest full coverage insurance companies and best discounts in Massachusetts ↓
- State Farm offered the cheapest liability insurance coverage in MA at $16/mo.
- See the other cheapest liability coverage insurance companies in Massachusetts ↓
- The Zebra used 3rd party reviews from J.D. Power and AM Best as well as thousands of customer ratings in Massachusetts to name State Farm as the best overall company for Massachusetts drivers.
- Read about the rest of the top and best companies in Massachusetts ↓
What are the best car insurance companies in Massachusetts?
The competition in Massachusetts was tight, with several strong contenders, but we ultimately named State Farm the top car insurance provider in the state. This decision was based on a blend of consumer feedback, third-party ratings from J.D. Power, Trustpilot, and AM Best, as well as considerations like available discounts and coverage options. Below, we’ve outlined the pros and cons of State Farm, along with other highly rated insurers in Massachusetts.
State Farm earned the title of best overall car insurance in Massachusetts. We gave it the top spot thanks to its combination of affordable rates, extensive coverage options, and strong customer satisfaction, backed by trusted sources like J.D. Power.[3] If you're looking for a balance of value and reliability, State Farm ticks all the boxes.
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Competitive rates for all Massachusetts drivers
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High customer satisfaction scores from J.D. Power in the New England region
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Lower than average complaints for auto insurance according to the NAIC
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Rates may increase if you move to another state
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Less custom coverage options
Best car insurance in Massachusetts — honorable mentions
Though State Farm claimed the top spot, several other insurers performed impressively. Amica, in particular, is a great choice for drivers who value strong customer service reputations— it received the highest score for claims satisfaction from J.D. Power, and ranked admirably in The Zebra's own Customer Satisfaction Survey.[4, 5] The table below highlights quotes from other excellent choices for Massachusetts car insurance companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| Amica Mutual | $836 | $139 |
Source: The Zebra
How did we pick what company has the "Best Value" in Massachusetts?
The author's recommendation for "best value" is based on:
- The Zebra's 2024 Customer Satisfaction Survey
- J.D. Power's 2023 Regional Customer Satisfaction Study
- Each company's average cost of car insurance in Massachusetts
- Available coverage options
- The author's 5+ years of insurance industry experience
Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.
For more information, see our editorial standards page.
Find the best coverage and price in Massachusetts with The Zebra.
Cheap full coverage in Massachusetts
In Massachusetts, a full coverage auto insurance policy will run you about $799 for six months of coverage. Because of this reasonable rate, 68% of Zebra customers in Massachusetts chose full coverage policy quotes.[2] Our data states that State Farm offers cheap rates in Massachusetts for full coverage.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $266 | $44 |
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| USAA | $772 | $129 |
| Amica Mutual | $836 | $139 |
| Progressive | $876 | $146 |
| Allstate | $1,250 | $208 |
Source: The Zebra
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Massachusetts, a comprehensive insurance policy with a $500 deductible costs $799, 207% more than liability-only car insurance.
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Zebra Tip: Search out these car insurance discounts
- Payment plans: Early purchase, e-billing, full payment upfront
- Driver savings: Bundle with other policies, multiple vehicles, safe driver, student with good grades, homeowner, military service
- Vehicle savings: New car, safety equipment (telematics options), anti-theft technology
Cheap liability insurance in Massachusetts
Car insurance is mandatory in almost every state, including Massachusetts. If you choose the legal minimum coverage level in Massachusetts, expect to pay an average of $267 every six months. This expenditure is less expensive than the nationwide average by 29%. The cheapest car insurance company in Massachusetts for liability-only coverage is State Farm.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $98 | $16 |
| GEICO | $217 | $36 |
| Plymouth Rock | $226 | $38 |
| Amica Mutual | $239 | $40 |
| USAA | $244 | $41 |
| Progressive | $407 | $68 |
| Allstate | $464 | $77 |
Source: The Zebra
Massachusetts law requires drivers to maintain at least the state’s minimum car insurance limits, which include $25,000 in bodily injury liability per person, $50,000 per accident, and $30,000 for property damage. Additionally, uninsured motorist coverage and personal injury protection (PIP) are mandatory, as Massachusetts follows a no-fault insurance system. While these minimum limits meet legal requirements and were increased in July of 2025, they may not provide adequate protection in the event of an accident. We recommend increasing your liability limits to 50/100/50 or opting for full coverage if your budget allows.
Renata Balasco — licensed insurance writer and senior content specialist at The Zebra
Cost comparison: liability only vs full coverage in Massachusetts
Liability-only insurance is always cheaper than full coverage because it offers less protection, no matter the state. While it can save you money, it may leave you vulnerable if you're involved in an accident. A simple guideline is if your car is worth less than $4,000 and isn't financed, liability-only is usually sufficient. For anything more valuable, full coverage is the better choice.
Updating data...
| Company | Liability coverage | Full coverage |
|---|---|---|
| State Farm | $98 | $266 |
| GEICO | $217 | $732 |
| Plymouth Rock | $226 | $703 |
| Amica Mutual | $239 | $836 |
| USAA | $244 | $772 |
| Progressive | $407 | $876 |
| Allstate | $464 | $1,250 |
Source: The Zebra
Find your best value insurance match with The Zebra.
Car insurance in popular Massachusetts cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Northfield, Massachusetts, and the most expensive in Roxbury, Massachusetts.
Have a look at the table below to see average car insurance costs in some of Massachusett's biggest cities.
Car insurance price trends in Massachusetts
Massachusetts car insurance trends have remained relatively stable over the past five years, with annual increases never exceeding $75 since 2019. Notably, average premiums actually dropped by $65 in 2020 and by $31 in 2023. However, rates have started climbing again in the past year. These increases are likely driven by the rising number of high-end vehicles— which come with costly replacement parts— the state's vulnerability to extreme weather, and the impact of Massachusetts' no-fault insurance system.
| Year | Avg. Annual Premium — Massachusetts | Yearly Change — Massachusetts |
|---|---|---|
| 2024 | $1,432 | $45 |
| 2023 | $1,387 | -$31 |
| 2022 | $1,418 | $72 |
| 2021 | $1,346 | $43 |
| 2020 | $1,303 | -$65 |
| 2019 | $1,368 | $41 |
| 2018 | $1,327 | -$469 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.
Cheap auto insurance for teens and young drivers in Massachusetts
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Massachusetts, teen drivers pay especially high rates: $4,475 per year — that's $321 less than the nationwide average and over twice as much as a typical Massachusetts driver.
Although teens face higher rates across the board, the best way to secure the most affordable option is to compare quotes from multiple companies.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $795 | $132 |
| Plymouth Rock | $1,715 | $286 |
| USAA | $1,958 | $326 |
| GEICO | $2,046 | $341 |
| Amica Mutual | $2,447 | $408 |
| Progressive | $3,082 | $514 |
| Allstate | $4,575 | $762 |
Source: The Zebra
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $881 | $147 |
| Plymouth Rock | $2,206 | $368 |
| GEICO | $2,450 | $408 |
| USAA | $2,617 | $436 |
| Amica Mutual | $2,731 | $455 |
| Progressive | $3,753 | $626 |
| Allstate | $5,350 | $892 |
Source: The Zebra
Find an affordable policy in Massachusetts in minutes!
Massachusetts auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $931 per year. According to our data, State Farm stands out as the best choice for customers with an accident on their record who are seeking affordable rates.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $416 | $69 |
| Plymouth Rock | $1,005 | $168 |
| GEICO | $1,056 | $176 |
| USAA | $1,101 | $184 |
| Progressive | $1,333 | $222 |
| Amica Mutual | $1,340 | $223 |
| Allstate | $2,062 | $344 |
Source: The Zebra
Zebra Tip: Don't forget about claims satisfaction
While we all hope to never use our insurance, having a smooth experience when needed is essential. In our 2024 Customer Satisfaction Survey, we measured the satisfaction of those who filed claims. AAA and USAA stood out, making each a strong contender for residents of Massachusetts.
In Massachusetts, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Source: The Zebra
The Zebra's guide to Massachusetts car insurance laws for high-risk drivers
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Massachusetts with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.
Massachusetts DUI laws
In Massachusetts, a DUI offense can increase your annual car insurance premium by an average of $1,495. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Massachusetts
If you're convicted of a DUI or DWI violation in Massachusetts, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. For example, the least expensive car insurance company with a DUI in Massachusetts, State Farm, advertises annual rates 67% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Massachusetts is Progressive, while the priciest firm is Allstate, with prices 65% above average.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $509 | $85 |
| Progressive | $1,023 | $171 |
| Plymouth Rock | $1,028 | $171 |
| GEICO | $1,203 | $201 |
| Amica Mutual | $1,744 | $291 |
| USAA | $1,883 | $314 |
| Allstate | $2,559 | $426 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Massachusetts SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Massachusetts to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Massachusetts might require some research, but it could pay off in the end.
How to acquire an SR-22 in Massachusetts
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask the company to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Massachusetts car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Massachusetts auto insurance.
Save money on your next car insurance policy!
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
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2024 U.S. Auto Insurance Study. J.D. Power
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2024 Customer Satisfaction Survey. The Zebra
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2023 U.S. Auto Claims Satisfaction Study. J.D. Power
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Consumer Insurance Refined Search Results. NAIC
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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 editorial 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.
