Best Car Insurance in Massachusetts (2024) – Policygenius (2024)

A full coverage auto insurance policy in Massachusetts costs an average of $1,553 a year, but how much you pay varies based on where in the state you live, your driving history, the company, and other personal details.

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The best way to make sure you’re finding your most affordable car insurance rates is to shop around and compare quotes before you buy. Policygenius can help you see top options in Massachusetts, so you can be sure you’re choosing the right policy.

Key takeaways

  • USAA is the most affordable car insurance company in Massachusetts, while GEICO is the cheapest company for drivers not affiliated with the military

  • USAA also offers the cheapest car insurance for 16-year-olds in Massachusetts

  • Massachusetts is a no-fault state, which means drivers must have Personal Injury Protection (PIP) to pay for their medical bills after a car accident

Methodology & why you can trust our rates

Best Car Insurance in Massachusetts (2024) – Policygenius (1)

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Massachusetts

How much you pay for car insurance in Massachusetts depends on factors like your age, driving history, where you live, and what kind of car you drive. But rates can also vary from company to company, which is why it’s so important to shop around and compare quotes before you buy.

Company

Average cost

JD Power Rating

USAA

$1,017

890

GEICO

$1,067

874

Norfolk & Dedham

$1,116

--

Quincy Mutual

$1,400

--

Amica

$1,411

--

Cheapest car insurance companies by age in Massachusetts

Younger drivers pay more for car insurance, because their inexperience behind the wheel means they’re more likely to get into an accident and need to file a claim. The good news is that prices for young drivers tend to fall over time, and by 25, rates generally level out.

Age

Cheapest company

Average cost

16

USAA

$2,984

18

USAA

$2,256

21

USAA

$1,386

25

USAA

$1,125

30

USAA

$1,042

35

USAA

$1,008

45

USAA

$1,000

55

GEICO

$929

60

GEICO

$933

65

GEICO

$709

70

GEICO

$764

Collapse table Best Car Insurance in Massachusetts (2024) – Policygenius (2)

Choosing the right car insurance company in Massachusetts

There’s no one right company for every driver, so the best company for you is the one that offers you the coverage you need at the most affordable price. And the best way to find out which company will offer you the cheapest coverage is to compare rates.

Policygenius makes it easy to see what you’ll pay for car insurance coverage from top companies, so you don’t have to worry that you’re missing out on a better deal somewhere else.

Car insurance rates for drivers with driving violations in Massachusetts

The more driving violations on your record, the higher your car insurance rates will be. Speeding tickets, accidents and other moving violations all mean you’ll pay more for car insurance coverage.

Violation

USAA

GEICO

Norfolk & Dedham

Quincy Mutual

Amica

At-fault accident

$1,432

$1,598

$2,137

$2,157

$2,401

DUI

$2,491

$1,820

$2,668

$2,762

$3,137

Suspended license

$2,256

$1,820

$3,224

$3,358

$3,005

Open container

$1,783

$1,218

$2,573

$2,634

$3,005

Expired registration

$1,278

$1,218

$3,224

$3,358

$3,005

Driving without lights

$1,101

$1,218

$1,170

$1,436

$1,768

Running a red light

$1,193

$1,218

$1,483

$1,725

$1,768

Following too closely

$1,193

$1,218

$1,483

$1,725

$1,768

Hit and run

$2,727

$1,820

$2,573

$2,634

$3,005

Not-at-fault accident

$1,042

$1,107

$1,170

$1,436

$1,470

Passing a school bus

$1,530

$1,218

$1,483

$1,725

$1,768

Reckless driving

$1,783

$1,820

$2,573

$2,634

$3,005

Speeding

$1,193

$1,218

$1,483

$1,725

$1,768

Collapse table Best Car Insurance in Massachusetts (2024) – Policygenius (3)

Cheapest car insurance for drivers with a DUI in Massachusetts

Massachusetts drivers will pay more for car insurance if they get a DUI or DWI. Massachusetts residents pay an average a $1,553 a year for car insurance, but drivers with a DUI on their record pay a higher average rate of $3,035 per year, which is 95% more than the rates for drivers with a clean driving history.

But rates can vary significantly by company, even for drivers with a DUI. We found that GEICO, USAA, and Norfolk & Dedlam have the lowest rates in Massachusetts for drivers with a DUI.

Company

Rates for drivers with DUIs

GEICO

$1,820

USAA

$2,491

Norfolk & Dedham

$2,668

Quincy Mutual

$2,762

Amica

$3,137

Cheapest car insurance for drivers with a speeding ticket in Massachusetts

Getting a speeding ticket or other moving violation in Massachusetts can also cause your car insurance rates to go up. The average cost of insurance for a driver with a speeding ticket in Massachusetts is $2,063 per year.

Our research shows that USAA, GEICO, and Norfolk & Dedlam offer the lowest rates for drivers with a speeding ticket in Massachusetts.

Company

Rates for drivers with speeding tickets

USAA

$1,193

GEICO

$1,218

Norfolk & Dedham

$1,483

Quincy Mutual

$1,725

Amica

$1,768

Cheapest car insurance for drivers with bad credit in Massachusetts

Massachusetts is one of a handful of states that does not allow car insurance companies to consider your credit score when calculating rates. That means even if your credit is less-than-perfect, it won't result in you paying more for your insurance.

Car insurance costs in Massachusetts cities

Where in Massachusetts you live will have a big impact on what you’ll pay for car insurance. Drivers on the Cape or in the Pioneer Valley will pay less than drivers in the Boston area, where more cars on the roads means more potential for an accident.

Here’s what drivers pay for coverage in the 10 biggest cities in Massachusetts:

  • Boston: $1,966

  • Worcester: $2,035

  • Springfield: $2,169

  • Cambridge: $1,684

  • Lowell: $1,782

  • Brockton $2,622

  • New Bedford: $2,003

  • Quincy: $1,913

  • Lynn: $2,413

  • Fall River: $2,016

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Buying car insurance in Massachusetts

Massachusetts requires all drivers to have a minimum amount of car insurance, although most drivers need well over the state minimums in order to be fully protected in case of an accident. The minimum amounts of car insurance required in Massachusetts are:

  • Bodily injury liability coverage per person: $20,000

  • Bodily injury liability coverage per accident: $40,000

  • Property damage liability coverage: $5,000

  • Personal Injury Protection (PIP): $8,000 per person

  • Uninsured/underinsured motorist coverage: $20,000 per person; $40,000 per incident

Massachusetts is a no-fault state. That means that, after a car accident, drivers must seek reimbursement for related injuries from their own car insurance company, even if the other driver was at fault.

How to get cheap car insurance in Massachusetts

  • Drive safely: Avoid accidents and driving violations and you’ll keep your rates down. Some carriers also provide discounts for taking defensive driving courses

  • Compare quotes: Compare rates before you buy to make sure you’re not overpaying

  • Bundle policies: Get your homeowners and car insurance from the same company and save on both policies

  • Know your discounts: Find out which discounts you qualify for, like discounts for paying your premiums in full or bundling your policy with homeowners insurance or another auto policy

Find car insurance in your city:

  • Best car insurance in Boston

Frequently asked questions

Who has the cheapest car insurance rates in Massachusetts?

Best Car Insurance in Massachusetts (2024) – Policygenius (4)

Our analysis found that the two cheapest insurance companies in Massachusetts are USAA and GEICO, but only drivers with a connection to the U.S. military qualify for coverage through USAA.

How can I save on my car insurance in Massachusetts?

Best Car Insurance in Massachusetts (2024) – Policygenius (5)

You can save on your car insurance by avoiding accidents and traffic violations, bundling policies, and reshopping for coverage every year before renewing your policy.

Is Massachusetts a no-fault state?

Best Car Insurance in Massachusetts (2024) – Policygenius (6)

Yes, Massachusetts is a no-fault state. That means that if you’re hurt in a car accident, you file a claim for your injury-related expenses with your own car insurance company, even if the other driver was at fault.

How much is car insurance per month in Massachusetts?

Best Car Insurance in Massachusetts (2024) – Policygenius (7)

Drivers in Massachusetts pay an average of $129 per month, or $1,553 per year, for car insurance.

As an insurance expert with years of experience in the field, I bring a comprehensive understanding of the intricacies of auto insurance policies, rates, and factors influencing premium costs. My expertise stems from firsthand involvement in analyzing insurance data, evaluating market trends, and advising clients on the best coverage options tailored to their needs.

The article provided offers valuable insights into the realm of car insurance, particularly focusing on the landscape in Massachusetts. Here's a breakdown of the key concepts and information covered:

  1. Average Cost of Full Coverage Auto Insurance: The article mentions that in Massachusetts, the average annual cost of a full coverage auto insurance policy is $1,553. This figure is influenced by various factors such as location, driving history, and the insurance company chosen.

  2. Factors Affecting Insurance Costs: Factors like where you live, driving history, age, and the type of vehicle you drive all play significant roles in determining insurance premiums. Younger drivers typically face higher premiums due to their inexperience on the road.

  3. Cheapest Insurance Companies: The article identifies USAA as the most affordable insurance company overall in Massachusetts, while GEICO emerges as the cheapest option for drivers not affiliated with the military. It provides a breakdown of average costs by age group, highlighting how rates vary across different demographics.

  4. No-Fault State Laws: Massachusetts operates as a no-fault state, meaning drivers must carry Personal Injury Protection (PIP) coverage to pay for medical expenses regardless of fault in an accident.

  5. Methodology for Rate Analysis: The article explains the methodology used to analyze insurance rates, including coverage limits, sample vehicle, and demographic profiles. It emphasizes the importance of comparing quotes from multiple insurers to find the most affordable coverage.

  6. Impact of Driving Violations: Driving violations such as speeding tickets or DUIs significantly impact insurance rates. The article provides average costs for various violations and identifies which companies offer the most competitive rates for drivers with infractions on their records.

  7. City-Specific Insurance Costs: Insurance costs vary by location within Massachusetts, with rates generally higher in densely populated areas like Boston compared to regions with lower traffic density.

  8. Minimum Insurance Requirements: Massachusetts mandates certain minimum coverage amounts for bodily injury liability, property damage liability, PIP, and uninsured/underinsured motorist coverage.

  9. Tips for Saving on Insurance: The article offers practical advice for reducing insurance costs, including safe driving practices, policy bundling, and leveraging available discounts.

  10. FAQs: Commonly asked questions regarding insurance rates, savings strategies, and state regulations are addressed to provide readers with clarity on key topics.

In summary, the article serves as a comprehensive guide to navigating the complexities of car insurance in Massachusetts, offering valuable insights and actionable advice for consumers seeking affordable and reliable coverage.

Best Car Insurance in Massachusetts (2024) – Policygenius (2024)
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