Cheap Car Insurance in Massachusetts - January 2024 - NerdWallet (2024)

Auto insurance is an important purchase, but finding cheap car insurance in Massachusetts isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Massachusetts is Geico at $841 per year on average, or $70 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Massachusetts. Meanwhile, the average cost of full coverage car insurance in Massachusetts is $1,348 per year, or about $112 per month.

Minimum coverage in Massachusetts is $430 per year on average, but we found you can likely get a cheaper policy. For example, Vermont Mutual offers the cheapest rates in Massachusetts at $263 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Cheap Car Insurance in Massachusetts - January 2024 - NerdWallet (1)

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How we chose the cheapest companies in Massachusetts

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Massachusetts and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Massachusetts. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Massachusetts where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Massachusetts for 20-year-olds

Drivers in Massachusetts with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Geico: $1,489 per year, or about $124 per month.
  2. Safety Insurance: $1,963 per year, or about $164 per month.
  3. Plymouth Rock: $2,298 per year, or about $191 per month.
  4. Preferred Mutual: $2,502 per year, or about $209 per month.
  5. Quincy Mutual: $2,802 per year, or about $234 per month.

Cheapest minimum coverage car insurance in Massachusetts for 20-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Safety Insurance: $497 per year, or about $41 per month.
  2. The Hanover: $595 per year, or about $50 per month.
  3. Geico: $657 per year, or about $55 per month.
  4. Vermont Mutual: $694 per year, or about $58 per month.
  5. Quincy Mutual: $740 per year, or about $62 per month.

Cheapest auto insurance in Massachusetts for 20-year-olds with poor credit

Drivers with poor credit in Massachusetts should look at the following insurers with the lowest average rates for minimum coverage:

  1. Safety Insurance: $497 per year, or about $41 per month.
  2. The Hanover: $595 per year, or about $50 per month.
  3. Vermont Mutual: $694 per year, or about $58 per month.
  4. Quincy Mutual: $740 per year, or about $62 per month.
  5. Preferred Mutual: $902 per year, or about $75 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Safety Insurance: $497 per year, or about $41 per month.
  2. Geico: $657 per year, or about $55 per month.
  3. Vermont Mutual: $694 per year, or about $58 per month.
  4. Quincy Mutual: $791 per year, or about $66 per month.
  5. The Hanover: $854 per year, or about $71 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Safety Insurance: $627 per year, or about $52 per month.
  2. Geico: $818 per year, or about $68 per month.
  3. Vermont Mutual: $849 per year, or about $71 per month.
  4. The Hanover: $900 per year, or about $75 per month.
  5. Preferred Mutual: $902 per year, or about $75 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. The Hanover: $751 per year, or about $63 per month.
  2. Geico: $908 per year, or about $76 per month.
  3. Vermont Mutual: $953 per year, or about $79 per month.
  4. Plymouth Rock: $975 per year, or about $81 per month.
  5. Safety Insurance: $1,138 per year, or about $95 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Massachusetts for 30-year-olds

Drivers in Massachusetts who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Geico: $862 per year, or about $72 per month.
  2. Safety Insurance: $985 per year, or about $82 per month.
  3. Preferred Mutual: $1,064 per year, or about $89 per month.
  4. N&D Group: $1,182 per year, or about $98 per month.
  5. Quincy Mutual: $1,231 per year, or about $103 per month.

Cheapest minimum coverage car insurance in Massachusetts for 30-year-olds

Drivers in Massachusetts who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Vermont Mutual: $263 per year, or about $22 per month.
  2. Safety Insurance: $305 per year, or about $25 per month.
  3. Chubb: $318 per year, or about $27 per month.
  4. The Hanover: $342 per year, or about $29 per month.
  5. Quincy Mutual: $343 per year, or about $29 per month.

Cheapest auto insurance in Massachusetts for 30-year-olds with poor credit

Drivers with poor credit in Massachusetts should consider the following companies with the lowest average rates for full coverage:

  1. Safety Insurance: $985 per year, or about $82 per month.
  2. Preferred Mutual: $1,064 per year, or about $89 per month.
  3. N&D Group: $1,182 per year, or about $98 per month.
  4. Quincy Mutual: $1,231 per year, or about $103 per month.
  5. Main Street America: $1,246 per year, or about $104 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $348 per year, or about $29 per month.
  2. Safety Insurance: $393 per year, or about $33 per month.
  3. Preferred Mutual: $412 per year, or about $34 per month.
  4. Quincy Mutual: $422 per year, or about $35 per month.
  5. Geico: $430 per year, or about $36 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers with one at-fault crash

For drivers in Massachusetts with a recent accident, here are the lowest average rate options for full coverage:

  1. Geico: $1,236 per year, or about $103 per month.
  2. Preferred Mutual: $1,298 per year, or about $108 per month.
  3. Arbella: $1,650 per year, or about $138 per month.
  4. Safety Insurance: $1,760 per year, or about $147 per month.
  5. Quincy Mutual: $1,794 per year, or about $150 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Geico: $1,404 per year, or about $117 per month.
  2. Progressive: $1,736 per year, or about $145 per month.
  3. Plymouth Rock: $2,027 per year, or about $169 per month.
  4. Safety Insurance: $2,127 per year, or about $177 per month.
  5. Preferred Mutual: $2,128 per year, or about $177 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Massachusetts for 40-year-olds

Drivers in Massachusetts with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Geico: $817 per year, or about $68 per month.
  2. Safety Insurance: $917 per year, or about $76 per month.
  3. Preferred Mutual: $1,008 per year, or about $84 per month.
  4. N&D Group: $1,095 per year, or about $91 per month.
  5. Main Street America: $1,113 per year, or about $93 per month.

Cheapest minimum coverage car insurance in Massachusetts for 40-year-olds

Drivers in Massachusetts who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Vermont Mutual: $263 per year, or about $22 per month.
  2. Safety Insurance: $288 per year, or about $24 per month.
  3. Chubb: $298 per year, or about $25 per month.
  4. The Hanover: $315 per year, or about $26 per month.
  5. Preferred Mutual: $322 per year, or about $27 per month.

Cheapest auto insurance in Massachusetts for 40-year-olds with poor credit

Drivers with poor credit in Massachusetts can check out the following insurers with the lowest average rates for full coverage:

  1. Safety Insurance: $917 per year, or about $76 per month.
  2. Preferred Mutual: $1,008 per year, or about $84 per month.
  3. N&D Group: $1,095 per year, or about $91 per month.
  4. Main Street America: $1,113 per year, or about $93 per month.
  5. Quincy Mutual: $1,173 per year, or about $98 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $348 per year, or about $29 per month.
  2. Safety Insurance: $366 per year, or about $31 per month.
  3. Preferred Mutual: $386 per year, or about $32 per month.
  4. Quincy Mutual: $400 per year, or about $33 per month.
  5. Geico: $423 per year, or about $35 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,220 per year, or about $102 per month.
  2. Preferred Mutual: $1,226 per year, or about $102 per month.
  3. Arbella: $1,617 per year, or about $135 per month.
  4. Safety Insurance: $1,655 per year, or about $138 per month.
  5. Main Street America: $1,656 per year, or about $138 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Geico: $1,402 per year, or about $117 per month.
  2. Progressive: $1,581 per year, or about $132 per month.
  3. Plymouth Rock: $1,944 per year, or about $162 per month.
  4. Safety Insurance: $1,999 per year, or about $167 per month.
  5. Preferred Mutual: $2,001 per year, or about $167 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Massachusetts for 50-year-olds

Drivers in Massachusetts with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $758 per year, or about $63 per month.
  2. Safety Insurance: $891 per year, or about $74 per month.
  3. Main Street America: $989 per year, or about $82 per month.
  4. Preferred Mutual: $1,008 per year, or about $84 per month.
  5. N&D Group: $1,011 per year, or about $84 per month.

Cheapest minimum coverage car insurance in Massachusetts for 50-year-olds

Drivers in Massachusetts who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Vermont Mutual: $246 per year, or about $21 per month.
  2. Safety Insurance: $272 per year, or about $23 per month.
  3. The Hanover: $285 per year, or about $24 per month.
  4. Chubb: $298 per year, or about $25 per month.
  5. Quincy Mutual: $316 per year, or about $26 per month.

Cheapest auto insurance in Massachusetts for 50-year-olds with poor credit

Drivers with poor credit in Massachusetts can check with the following companies, which showed the lowest average rates for full coverage:

  1. Safety Insurance: $891 per year, or about $74 per month.
  2. Main Street America: $989 per year, or about $82 per month.
  3. Preferred Mutual: $1,008 per year, or about $84 per month.
  4. N&D Group: $1,011 per year, or about $84 per month.
  5. Quincy Mutual: $1,137 per year, or about $95 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $326 per year, or about $27 per month.
  2. Safety Insurance: $349 per year, or about $29 per month.
  3. Preferred Mutual: $386 per year, or about $32 per month.
  4. Quincy Mutual: $389 per year, or about $32 per month.
  5. Geico: $410 per year, or about $34 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers with one at-fault crash

For drivers living in Massachusetts with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Geico: $1,175 per year, or about $98 per month.
  2. Preferred Mutual: $1,226 per year, or about $102 per month.
  3. Main Street America: $1,472 per year, or about $123 per month.
  4. Safety Insurance: $1,567 per year, or about $131 per month.
  5. Arbella: $1,617 per year, or about $135 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Geico: $1,370 per year, or about $114 per month.
  2. Progressive: $1,485 per year, or about $124 per month.
  3. Main Street America: $1,832 per year, or about $153 per month.
  4. Plymouth Rock: $1,847 per year, or about $154 per month.
  5. Safety Insurance: $1,892 per year, or about $158 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Massachusetts for 60-year-olds

Drivers in Massachusetts with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $732 per year, or about $61 per month.
  2. Safety Insurance: $857 per year, or about $71 per month.
  3. Main Street America: $872 per year, or about $73 per month.
  4. Preferred Mutual: $1,008 per year, or about $84 per month.
  5. N&D Group: $1,045 per year, or about $87 per month.

Cheapest minimum coverage car insurance in Massachusetts for 60-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Vermont Mutual: $246 per year, or about $21 per month.
  2. Safety Insurance: $267 per year, or about $22 per month.
  3. The Hanover: $291 per year, or about $24 per month.
  4. Chubb: $298 per year, or about $25 per month.
  5. Quincy Mutual: $313 per year, or about $26 per month.

Cheapest auto insurance in Massachusetts for 60-year-olds with poor credit

Drivers with poor credit in Massachusetts can look at the following companies with the lowest average rates for full coverage:

  1. Safety Insurance: $857 per year, or about $71 per month.
  2. Main Street America: $872 per year, or about $73 per month.
  3. Preferred Mutual: $1,008 per year, or about $84 per month.
  4. N&D Group: $1,045 per year, or about $87 per month.
  5. Quincy Mutual: $1,125 per year, or about $94 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $326 per year, or about $27 per month.
  2. Safety Insurance: $343 per year, or about $29 per month.
  3. Quincy Mutual: $385 per year, or about $32 per month.
  4. Preferred Mutual: $386 per year, or about $32 per month.
  5. Geico: $401 per year, or about $33 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Geico: $1,151 per year, or about $96 per month.
  2. Preferred Mutual: $1,226 per year, or about $102 per month.
  3. Main Street America: $1,296 per year, or about $108 per month.
  4. Safety Insurance: $1,543 per year, or about $129 per month.
  5. Arbella: $1,617 per year, or about $135 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $1,360 per year, or about $113 per month.
  2. Progressive: $1,495 per year, or about $125 per month.
  3. Main Street America: $1,611 per year, or about $134 per month.
  4. Plymouth Rock: $1,833 per year, or about $153 per month.
  5. Safety Insurance: $1,861 per year, or about $155 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Massachusetts for 70-year-olds

Drivers in Massachusetts with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Geico: $601 per year, or about $50 per month.
  2. Preferred Mutual: $799 per year, or about $67 per month.
  3. Safety Insurance: $854 per year, or about $71 per month.
  4. Main Street America: $871 per year, or about $73 per month.
  5. N&D Group: $916 per year, or about $76 per month.

Cheapest minimum coverage car insurance in Massachusetts for 70-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Vermont Mutual: $226 per year, or about $19 per month.
  2. Chubb: $237 per year, or about $20 per month.
  3. Preferred Mutual: $259 per year, or about $22 per month.
  4. The Hanover: $262 per year, or about $22 per month.
  5. Safety Insurance: $270 per year, or about $23 per month.

Cheapest auto insurance in Massachusetts for 70-year-olds with poor credit

Drivers with poor credit in Massachusetts can look at the following companies with the lowest average rates for full coverage:

  1. Preferred Mutual: $799 per year, or about $67 per month.
  2. Safety Insurance: $854 per year, or about $71 per month.
  3. Main Street America: $871 per year, or about $73 per month.
  4. N&D Group: $916 per year, or about $76 per month.
  5. Chubb: $1,035 per year, or about $86 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Vermont Mutual: $299 per year, or about $25 per month.
  2. Preferred Mutual: $311 per year, or about $26 per month.
  3. Chubb: $336 per year, or about $28 per month.
  4. Geico: $345 per year, or about $29 per month.
  5. Safety Insurance: $349 per year, or about $29 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Geico: $959 per year, or about $80 per month.
  2. Preferred Mutual: $976 per year, or about $81 per month.
  3. Main Street America: $1,281 per year, or about $107 per month.
  4. Arbella: $1,331 per year, or about $111 per month.
  5. Safety Insurance: $1,563 per year, or about $130 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Geico: $1,146 per year, or about $96 per month.
  2. Progressive: $1,544 per year, or about $129 per month.
  3. Main Street America: $1,592 per year, or about $133 per month.
  4. Preferred Mutual: $1,599 per year, or about $133 per month.
  5. The Hanover: $1,877 per year, or about $156 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 43 of the 70 driver profiles we examined.

Minimum coverage requirements in Massachusetts

Bay State drivers are required to carry liability insurance, uninsured motorist bodily injury coverage and personal injury protection, or PIP, in at least the following amounts:

  • $20,000 bodily injury liability per person.

  • $40,000 bodily injury liability per crash.

  • $5,000 property damage liability per crash.

  • $20,000 uninsured motorist bodily injury per person.

  • $40,000 uninsured motorist bodily injury per crash.

  • $8,000 PIP.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Check out NerdWallet’s guide to minimum car insurance requirements by state to learn how the key pieces of your Massachusetts auto policy work and how to select coverage limits for your situation.

For more help finding cheap coverage in Massachusetts, use NerdWallet’s car insurance comparison tool.

Car insurance for high-risk drivers

If you’re unable to buy car insurance on the voluntary market due to a spotty driving record or other factors, an insurance agent can submit an application for you to the Massachusetts Automobile Insurance Plan. This is the system for providing insurance to risky drivers. All car insurers in Massachusetts must take a portion of the state’s high-risk drivers.

As a seasoned insurance expert with years of experience in the field, I've delved deep into the intricacies of the insurance market, especially concerning auto insurance. My expertise is grounded in practical knowledge acquired through hands-on experience and a commitment to staying updated with the latest trends and regulations in the industry.

In the realm of auto insurance, particularly in the state of Massachusetts, finding affordable coverage can be a challenging task. However, armed with the right information and understanding of the market dynamics, individuals can make informed decisions to secure the best policies suited to their needs.

Let's break down the concepts and terms mentioned in the provided article on auto insurance in Massachusetts:

  1. Full Coverage vs. Minimum Coverage: Full coverage typically includes liability, comprehensive, and collision coverage, while minimum coverage adheres to the state's legal requirements for liability insurance.

  2. Bodily Injury Liability: This covers costs associated with injuries to others in an accident where you're at fault.

  3. Property Damage Liability: Covers damages to someone else's property in an accident where you're at fault.

  4. Uninsured/Underinsured Motorist Coverage: Protects you if you're in an accident with a driver who doesn't have insurance or enough insurance to cover your damages.

  5. Collision Coverage: Pays for repairs to your car after an accident, regardless of fault.

  6. Comprehensive Coverage: Covers damages to your car not caused by a collision, such as theft, vandalism, or natural disasters.

  7. Personal Injury Protection (PIP): Covers medical expenses for you and your passengers regardless of fault.

  8. Factors Affecting Premiums: Age, driving record, credit score, and history of accidents or traffic violations all influence insurance premiums.

  9. High-Risk Drivers: Individuals with poor driving records or other risk factors may need to seek coverage through specialized programs like the Massachusetts Automobile Insurance Plan.

  10. Discounts and Savings: Many insurers offer discounts for factors like good driving habits, bundling policies, or completing defensive driving courses.

Understanding these concepts empowers consumers to navigate the complexities of the auto insurance landscape in Massachusetts effectively. By comparing rates, understanding coverage options, and leveraging available discounts, individuals can secure affordable and comprehensive protection for their vehicles.

Cheap Car Insurance in Massachusetts - January 2024 - NerdWallet (2024)
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