Cheap Massachusetts Car Insurance

Compare the best rates from 21 car insurance companies in Massachusetts.

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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. We’ll get you prepped, then you take the wheel.


Affordable Insurance Premiums in Massachusetts

What's the cheapest car insurance in Massachusetts?
RankCompany NameAvg. Annual Premium
1Norfolk and Dedham$1,195
2Plymouth Rock$1,235
6Quincy Mutual$1,525
8National Grange Mutual$1,709
9Vermont Mutual$1,776

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Cheap insurance for good drivers in Massachusetts

Drivers with good 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 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 car 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%

Best 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.

Compare major auto insurers' financial strength and claims satisfaction ratings to better understand the quality of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and ranging from "Superior" to "Poor" — determines an insurer's financial strength and ability to satisfy its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
ArbellaNot RatedExcellent
Commerce InsuranceNot RatedExcellent
EncompassNot RatedSuperior
Liberty Mutual3Excellent
Norfolk and DedhamNot RatedExcellent
OneBeaconNot RatedExcellent
Quincy MutualNot RatedSuperior
State Farm3Superior


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What is the best auto insurance coverage in Massachusetts?

The minimum required level of insurance in Massachusetts is $20,000 Bodily Injury per person, $40,000 Bodily Injury per accident, and $5,000 Property Damage per accident.

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.

Compare mean rates for basic, better, and best coverage levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
National Average$657.66$1,241.26$1,397.94

Massachusetts Auto Insurance Laws

State minimum insurance requirements in Massachusetts

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)

Learn more about car insurance regulations in the state of Massachusetts

Driving Laws in Massachusetts

Massachusetts Texting and Driving Laws

  • Ban on all cell phones for school bus drivers
  • Ban on all cell phones for drivers <18 years
  • Ban on text messaging for all drivers

Massachusetts DUI Laws

There is no maximum lookback period in Massachusetts. This means all past OUI convictions are taken into account when a court decides an offender’s sentence and penalties. Additionally, most penalties are applicable to OUI violators of all ages.

Penalties may also vary slightly based on the specifics of an impaired driver’s OUI offense. In Massachusetts, third and subsequent OUI charges are felonies.

First-time DUI offenses in Massachusetts lead to:

  • Up to two-and-a-half years in jail
  • $500 to $5,000 in fines
  • License suspension for one year
  • Possible attendance in an alcohol education program

Ticket Impact on Auto 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

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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.

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
8Fall River$1,850
9New Bedford$1,833

Recent Massachusetts Car Insurance Questions and Answers

Why is my ex's accident following me around in my insurance quotes?

Claims tend to be attached to the driver that was at fault. If you were the policyholder at the time, some companies will see this and still charge you for that at their discretion.

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.

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.

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.

Massachusetts Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Massachusetts area, while also getting an insider view of the Bay State.


So, students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that's great! But there are no limits to what we're looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

How do I choose a location?

The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that's just two miles from home, we want to see it.


Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to

4. Please include...

your name, address, and phone number when you submit


Selected winner(s) will be awarded a check for $1,000


Applications must be received by 11:59 p.m. CST on December 31st, 2020


Winner(s) will be selected and notified by email by January 31st, 2021

Judges: The Zebra

The winner will be selected based on creativity in the content and presentation

*Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.

Employees of The Zebra and their immediate family members are not eligible to participate in the contest.

Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.

Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET,, and Kin Insurance.