Cheap Massachusetts Car Insurance

Compare the best rates from 2 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.

 


 

Cheap Car Insurance

What's the cheapest car insurance in Massachusetts?
RankCompany NameAvg. Annual Premium
1State Farm$726
2National Grange Mutual$815
3GEICO$859
4Commerce Group$893
5OneBeacon$894
6Progressive$1,009
7Arbella$1,020
8USAA$1,055
9Norfolk and Dedham$1,057
10Amica$1,120
11Quincy Mutual$1,307
12Vermont Mutual$1,310
13Travelers$1,323
14Safety Group$1,339
15Hanover$1,372
16MetLife$1,425
17Peerless$1,428
18Plymouth Rock$1,572
19Liberty Mutual$1,771
20Allstate$1,773
21Encompass$1,858

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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 extraordinarily high auto insurance rates, with those aged 16-19 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
16$4,612$5,046
17$4,321$4,507
18$4,104$4,334
19$4,104$2,656

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 a substantial 49%.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,96141.31%
DUI$2,29349.80%
Speeding Violation$1,44120.12%
Bad Credit$1,1510.00%

What are the 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)
Allstate3Superior
ArbellaNot RatedExcellent
Commerce InsuranceNot RatedExcellent
EncompassNot RatedSuperior
GEICO3Superior
Hanover3Excellent
Liberty Mutual3Excellent
MetLife3Superior
Norfolk and DedhamNot RatedExcellent
OneBeaconNot RatedExcellent
Progressive3Superior
Quincy MutualNot RatedSuperior
State Farm3Superior
Travelers3Superior
USAA5Superior

 

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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
Massachusetts$608.85$982.70$1,174.98
National Average$657.66$1,241.26$1,397.94

Car Insurance Laws

State minimum insurance requirements in Massachusetts

In Massachusetts, the state minimum coverage requirements are as follows:
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)

Liability coverage on a Massachusetts policy only provides coverage for injuries that you cause to another driver or their passengers within the state. Should you be driving outside of the state, adding Optional Bodily Injury to Others (OBI) coverage will financially protect you in the event that you are “at fault” in an accident outside of Massachusetts. This would also extend coverage to any passengers in your vehicle.

The coverage limits are determined by each individual state and normally split into three categories. In Massachusetts, the minimum is listed as 20/40/5 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.
  • $5,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Massachusetts and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Massachusetts, the minimum is listed as 20/40 and explained below:

  • $20,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.
  • $40,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

Personal Injury Protection provides coverage for medical costs that you and your passengers incur in an accident regardless of fault. PIP will cover medical expenses such as hospital bills, rehabilitation costs, and even work loss resulting from an accident. In Massachusetts, the minimum PIP coverage limit is $8,000 per person.

Massachusetts is a no-fault state!

What does this mean for you?

Put simply, a no-fault insurance laws system requires that drivers carry their own protection. When an accident happens, no matter who is at fault, your own insurance foots the bill. Each driver takes care of his or herself, and theoretically, the chances of someone suing or raising a hissy fit over culpability are lessened. It also guarantees every driver immediate medical treatment in the event of an accident.

Massachusetts Car Insurance FAQs

Is Massachusetts a no-fault state for car insurance?

Yes — Massachusetts is a no-fault state. If you're in an accident and are injured, your car insurance would cover your damages.

Can you register a car without insurance in Massachusetts?

No. Because car insurance is legally required in Massachusetts, you must have insurance in order to register a vehicle.

Does Massachusetts tax car insurance payments?

No. Your insurance company might add surcharges for payments via credit card or installments, but the state does not tax these payments.

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 Newton, Massachusetts, and the most expensive in Brockton, Massachusetts.

RankCityAvg. Annual Premium
1Brockton$2,222
2Revere$2,161
3Lynn$2,003
4Malden$1,922
5Springfield$1,840
6Lawrence$1,827
7Worcester$1,692
8Fall River$1,661
9New Bedford$1,656
10Boston$1,594
11Medford$1,575
12Quincy$1,549
13Somerville$1,541
14Lowell$1,533
15Weymouth$1,452
16Peabody$1,442
17Taunton$1,438
18Chicopee$1,411
19Framingham$1,407
20Cambridge$1,404
21Methuen$1,375
22Brookline$1,374
23Haverhill$1,360
24Waltham$1,324
25Newton$1,306

Recent Massachusetts Car Insurance Questions and Answers

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.

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.

Will my HO4 renters policy cover wet fungi protection?

I can't answer this question - you need to look at the exclusions and special coverages in your renters' insurance policy dec page (declaration page). That part of your policy will specify how much coverage you have - if any.


Driving Laws

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

How Do Tickets Impact Massachusetts Auto Insurance Rates?

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
DUI$2,45492%$1,177
Racing$2,46493%$1,187
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
Speeding$1,62227%$345
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 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.

Prompt

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.

Qualifications

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 scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

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

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2019

Notification

Winner(s) will be selected and notified by email by January 31st, 2020

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.

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