Auto insurance for good drivers in Massachusetts
Some of the factors contributing to car insurance rates are out of your control, including your gender, age, and location. But there are a few factors you can control if you're looking for more affordable rates.
If you're looking for affordable car insurance, try to keep your driving history clean, your credit score solid, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who pose the least risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.
Looking for car insurance as a low-risk driver in Massachusetts? Get started by checking out some sample rates below!
Car insurance for citation-free drivers in Massachusetts
One of the easiest ways to pay less for car insurance is to maintain a good driving record. Insurers view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.
If you're citation-free, start your search for insurance with Norfolk and Dedham Group, with an average annual rate of $973. That totals $354less than the average car insurance rate for drivers without driving violations in Massachusetts.
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN MASSACHUSETTS
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Norfolk and Dedham Group | $973 |
| GEICO | $978 |
| Plymouth Rock Assurance | $995 |
| Safety Group | $1,017 |
| Arbella Insurance Group | $1,151 |
| National Grange Mutual | $1,213 |
| Quincy Mutual | $1,254 |
| Progressive | $1,372 |
Auto insurance rates for drivers with high credit scores in Massachusetts
Insurers reward clients who maintain a solid credit history. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.
If you have a "good" credit score (670-739), your best option for car insurance might be Norfolk and Dedham Group, providing an average rate of $973. If your credit score is even better (in the "excellent" range), Plymouth Rock Assurance could be a good company with which to start your search. Plymouth Rock Assurance's rates for drivers who have credit scores of 800 and up are $754 per year less than the typical car insurance rate for drivers with excellent credit in Massachusetts.
Find below a breakdown of auto insurance rates in Massachusetts for drivers with good, very good, and excellent credit scores.
CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MASSACHUSETTS
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Norfolk and Dedham Group | $973 |
| GEICO | $978 |
| Plymouth Rock Assurance | $995 |
| Safety Group | $1,017 |
| Arbella Insurance Group | $1,151 |
| National Grange Mutual | $1,213 |
| Quincy Mutual | $1,254 |
| Progressive | $1,372 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MASSACHUSETTS
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Plymouth Rock Assurance | $716 |
| GEICO | $850 |
| Norfolk and Dedham Group | $973 |
| Safety Group | $1,017 |
| Arbella Insurance Group | $1,030 |
| National Grange Mutual | $1,213 |
| Quincy Mutual | $1,254 |
| Progressive | $1,372 |
AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MASSACHUSETTS
| Insurance Company | Avg. Annual Auto Insurance Rate |
| Plymouth Rock Assurance | $523 |
| GEICO | $600 |
| Arbella Insurance Group | $916 |
| Norfolk and Dedham Group | $973 |
| Safety Group | $1,017 |
| National Grange Mutual | $1,213 |
| Quincy Mutual | $1,254 |
| Progressive | $1,372 |
Compare rates from top companies!
Car insurance for low-mileage drivers in Massachusetts
The fewer miles you drive, the less likely you are to file an insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.
If you're a resident of Massachusetts who doesn't rack up major mileage, consider GEICO, which offers average annual savings of $469 for low-mileage customers.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MASSACHUSETTS
| Insurance Company | Avg. Annual Auto Insurance Rate |
| GEICO | $858 |
| Norfolk and Dedham Group | $866 |
| Safety Group | $905 |
| Plymouth Rock Assurance | $995 |
| Arbella Insurance Group | $1,049 |
| National Grange Mutual | $1,108 |
| Quincy Mutual | $1,118 |
| Hanover | $1,252 |
Start your search today — compare rates now!
Good driver insurance rates in Massachusetts — in major cities
In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.
Find below a summary of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Cambridge | $969 | $969 | $841 | $593 | $941 |
| Boston | $1,132 | $1,132 | $987 | $698 | $1,101 |
| Lowell | $1,222 | $1,222 | $1,062 | $747 | $1,189 |
| Worcester | $1,470 | $1,470 | $1,280 | $904 | $1,430 |
| Springfield | $1,604 | $1,604 | $1,393 | $980 | $1,558 |