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Last updated: March 21, 2025
Compare Cheap Auto Insurance in Massachusetts
Safety Insurance, USAA, and GEICO offer the cheapest auto insurance rates in Massachusetts, but it all depends on your driver profile.
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Massachusetts residents can typically look forward to slightly lower auto insurance rates than the national average. A full coverage policy in Massachusetts costs around $1,810 annually, and a minimum coverage policy is $580 annually on average. But depending on where in the state you’re located, the average cost of auto insurance can be as high as $3,396 per year.
Auto insurance rates also vary significantly depending on your driver profile. Drivers with a speeding ticket, at-fault accident, DUI, and teen drivers can all expect to pay higher auto insurance rates. However, Massachusetts is one of the few states that does not allow auto insurance companies to review a driver’s credit rating to determine rates. This means a driver with a less-than-stellar credit score won’t pay more for insurance because of it.
Overview
- On average, auto insurance in Massachusetts costs $1,810 annually for a full coverage policy. Minimum coverage costs $580 per year.
- Safety Insurance offers the cheapest full coverage. USAA and GEICO offer affordable rates for most driver profiles.
- Plymouth Rock also tends to offer cheaper than average rates in Massachusetts.
Jump to
- Cheapest full coverage auto insurance in Massachusetts: Safety Insurance ($1,378 annually) and GEICO ($1,416 annually)
- Cheapest minimum coverage: USAA ($267 annually) and Plymouth Rock ($416 annually)
- Cheapest with a speeding ticket: GEICO ($1,561 annually) and USAA ($1,665 annually)
- Cheapest with a teen driver: USAA ($3,956 annually) and Plymouth Rock ($4,112 annually
- Cheapest with a DUI: Progressive ($2,197 annually) and GEICO ($2,198 annually)
- Cheapest with an at-fault accident: Plymouth Rock ($1,931 annually) and Safety Insurance ($1,998 annually)
Cheapest Car Insurance in Massachusetts for Full Coverage: Safety Insurance
With an average annual price of $1,378 and a monthly price of $115, Safety Insurance offers the most affordable full coverage auto insurance in Massachusetts. This is 24 percent less than the statewide average cost of $1,810. GEICO also offers a competitive full coverage rate of $1,416 per year, or $118 per month.
Safety Insurance earned an above-average score from the J.D. Power Customer Service Satisfaction Survey for New England, suggesting Massachusetts drivers are happy with them as a provider overall and not just for their affordability.
| Provider | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Safety Insurance | $1,378 | $115 |
| GEICO | $1,416 | $118 |
| Plymouth Rock | $1,426 | $119 |
| USAA | $1,450 | $121 |
| Arbella | $1,579 | $132 |
| Progressive | $1,848 | $154 |
| The Hanover | $1,932 | $161 |
| Massachusetts average | $1,810 | $151 |
| National average | $2,399 | $200 |
Cheapest Car Insurance in Massachusetts for Minimum Coverage: USAA
USAA offers the cheapest minimum coverage rates in Massachusetts, at $267 per year or $22 per month. For those with no military affiliation (USAA’s policies are available only to veterans, military members, and their families), Plymouth Rock offers the cheapest minimum rate of $416 annually, or $35 per month.
| Provider | Annual Minimum Coverage | Monthly Minimum Coverage |
|---|---|---|
| USAA | $267 | $22 |
| Plymouth Rock | $416 | $35 |
| The Hanover | $425 | $35 |
| GEICO | $467 | $39 |
| Safety Insurance | $504 | $42 |
| Arbella | $624 | $52 |
| Progressive | $960 | $80 |
| Massachusetts average | $580 | $48 |
| National average | $635 | $53 |
Cheapest Car Insurance in Massachusetts With a Speeding Ticket: GEICO
Drivers with a speeding ticket in Massachusetts will typically find the lowest rates with GEICO. Their average annual policy cost for drivers with a speeding ticket is $1,561 annually or $130 per month. This is 23 percent less than the state average of $2,036 per year. After GEICO, USAA offers the most affordable auto insurance rates for those with a speeding ticket. On average, policies cost $1,665 per year, or $139 per month.
| Provider | Annual With Speeding Ticket | Monthly With Speeding Ticket |
|---|---|---|
| GEICO | $1,561 | $130 |
| USAA | $1,665 | $139 |
| Safety Insurance | $1,824 | $152 |
| Arbella | $1,832 | $153 |
| Plymouth Rock | $2,040 | $170 |
| Progressive | $2,217 | $185 |
| The Hanover | $3,470 | $289 |
| Massachusetts average | $2,036 | $170 |
| National average | $2,511 | $209 |
Cheapest Car Insurance in Massachusetts for Teen Drivers: USAA
USAA offers the lowest auto insurance rates for households with teen drivers in Massachusetts. Teen policies cost $3,956 annually ($330 per month), which is 18 percent lower than the statewide average of $4,830 per year. Plymouth Rock ($4,112 annually) and GEICO ($4,194 annually) also offer competitive prices for households with teens.
| Provider | Annual With Teen Driver | Monthly With Teen Driver |
|---|---|---|
| USAA | $3,956 | $330 |
| Plymouth Rock | $4,112 | $343 |
| GEICO | $4,194 | $350 |
| Safety Insurance | $5,232 | $436 |
| Arbella | $5,330 | $444 |
| Progressive | $5,900 | $492 |
| The Hanover | $6,512 | $543 |
| Massachusetts average | $4,830 | $403 |
| National average | $5,327 | $444 |
Cheapest Car Insurance in Massachusetts With a DUI: Progressive
Progressive offers the cheapest coverage in Massachusetts for drivers with a DUI. Policies cost $2,197 per year ($183 per month), which is 23 percent less than the statewide average: $2,852 per year. We named Progressive one of the best insurers for drivers with a DUI in our recent analysis. GEICO also offers affordable DUI insurance in Massachusetts, with average rates that are virtually the same as Progressive.
| Provider | Annual With DUI | Monthly With DUI |
|---|---|---|
| Progressive | $2,197 | $183 |
| GEICO | $2,198 | $183 |
| Plymouth Rock | $2,234 | $186 |
| Arbella | $2,787 | $232 |
| Safety Insurance | $2,904 | $242 |
| The Hanover | $3,143 | $262 |
| USAA | $3,161 | $263 |
| Massachusetts average | $2,852 | $238 |
| National average | $3,305 | $275 |
FYI:
In addition to penalties, fines, and possible legal fees, a DUI conviction will hike up your auto insurance rates. On average, a driver with a DUI on their record should expect their rates to increase by 56 percent in Massachusetts.
Cheapest Car Insurance in Massachusetts with an At-Fault Accident: Plymouth Rock
Plymouth Rock is the most affordable provider for Massachusetts drivers with a recent at-fault accident, with an average annual rate of $1,931. This is 20 percent less than the state average of $2,415 per year. Safety Insurance ($1,998 annually) is the second cheapest provider, offering rates 17 percent cheaper than the state average.
| Provider | Annual With At-Fault Accident | Monthly With At-Fault Accident |
|---|---|---|
| Plymouth Rock | $1,931 | $161 |
| Safety Insurance | $1,998 | $167 |
| USAA | $2,058 | $172 |
| GEICO | $2,072 | $173 |
| Arbella | $2,133 | $178 |
| Progressive | $2,531 | $211 |
| The Hanover | $3,656 | $305 |
| Massachusetts average | $2,415 | $201 |
| National average | $2,812 | $234 |
Best Claims and Customer Satisfaction in Massachusetts: USAA
USAA has the strongest third-party scores from J.D. Power, but the lowest grade from the CRASH Network Insurer Report Card. Safety Insurance offers the cheapest rates in Massachusetts, and they have the second-highest J.D. Power Customer satisfaction rating, after USAA. We recommend comparing multiple providers to find the best coverage for you. Amica also receives excellent satisfaction ratings, but they’re generally not one of the cheapest providers.
| Provider | New England Customer Satisfaction (J.D. Power)1 | Claims Satisfaction (J.D. Power)2 | CRASH Network Insurer Report Card Grade3 |
|---|---|---|---|
| USAA | 741 | 726 | D+ |
| Amica | 709 | 746 | B+ |
| Plymouth Rock | 616 | Not Reviewed | B- |
| GEICO | 638 | 692 | C- |
| Safety Insurance | 663 | Not Reviewed | B- |
| Arbella | 617 | Not Reviewed | B- |
| Progressive | 620 | 672 | C |
| The Hanover | Not Reviewed | Not Reviewed | B- |
| Average | 637 | 697 | B- |
Low Credit Auto Insurance in Massachusetts
Massachusetts is one of three states that does not allow auto insurers to review credit history when determining auto insurance rates. This means drivers with poor credit can expect to pay the same amount for auto insurance as those with a clean record. This is true for both full and minimum coverage.
DID YOU KNOW?
As of 2025, California and Hawaii are the only other two states, along with Massachusetts, that ban the use of credit information by auto insurance companies.
How to Find the Cheapest Car Insurance Rates in Massachusetts
- Bundle policies: Most large insurers will offer a significant discount — sometimes as high as 25 percent — if you purchase another type of policy along with your auto insurance, such as homeowners or renters insurance, or life insurance.
- Raise your deductible: Increasing comprehensive and collision deductibles often keep premiums on the lower side. A higher deductible means you’ll need to pay more to cover the cost of an accident before your insurance coverage comes into play. Be sure you can afford the out-of-pocket costs should you need to file a claim.
- Keep a clean record: Safe driving and avoiding traffic violations can help keep your insurance rates low, and many insurers offer discounts for accident-free drivers.
- Take advantage of discounts: Many auto insurance offer a wide variety of discounts, including telematics and lower rates for those with a particular company or alumni affiliation. Speak to an agent or customer service representative to ensure they apply all possible discounts to your policy.
- Compare quotes: Even within Massachusetts, the cost of auto insurance can vary significantly depending on where you’re located. Compare at least three quotes to make sure you’re securing the cheapest possible rates.
Average Auto Insurance Cost in Massachusetts by City
Brockton has the highest auto insurance rates in Massachusetts, with an average annual policy of $2,995 per year or $250 per month. This is 65 percent more than the state average of $1,810 per year. Cambridge has some of the lowest auto insurance rates of the major cities in Massachusetts, averaging $1,945 per year. Lowell also typically offers lower rates, with an average annual policy of $2,027 per year.
| City | Annual Full Coverage | Monthly Full Coverage |
|---|---|---|
| Boston | $2,278 | $190 |
| Brockton | $2,995 | $250 |
| Cambridge | $1,945 | $162 |
| Lowell | $2,027 | $169 |
| Lynn | $2,730 | $227 |
| New Bedford | $2,311 | $193 |
| Springfield | $3,396 | $283 |
| Worcester | $2,284 | $190 |
| Massachusetts average | $1,810 | $151 |
Minimum Car Insurance Requirements in Massachusetts
There are four legally required coverages in Massachusetts: bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured motorist coverage. All drivers must hold these coverages with the following limits, at a minimum:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $5,000
- Personal injury protection: $8,000 per person, per accident
- Bodily injury caused by an uninsured driver: $20,000 per person/$40,000 per accident
Bodily injury liability pays for injuries you cause to others in an accident, and property damage liability pays for damage you do to someone else’s property. Personal injury protection helps pay for medical expenses and other related costs for you and your passengers; uninsured motorist coverage pays for your medical expenses if you are hit by someone who doesn’t have insurance. These figures represent the lowest legal limits, but many drivers opt for higher coverage. Additionally, if your car is leased or loaned, you’ll likely be required to get full coverage, including collision and comprehensive.
Frequently Asked Questions
Who has the lowest auto insurance rates in Massachusetts?
In Massachusetts, Safety Insurance offers the lowest rates for full coverage auto insurance at $1,378 annually. USAA offers the lowest rates for minimum coverage at $267 annually. GEICO and Plymouth Rock also typically offer lower-than-average rates for most driver profiles in the state.
How much is car insurance in Massachusetts per month?
In Massachusetts, a full coverage policy costs $151 per month on average. Minimum coverage costs $48 per month on average.
Is AAA auto insurance cheaper than GEICO?
On average, AAA’s auto insurance premiums are more expensive than GEICO’s. AAA’s national average full coverage premium is $3,014, compared to GEICO’s average full coverage premium of $1,731.
How to pay less than $100 for car insurance?
You’ll have the best chance of paying less than $100 per month for car insurance if you opt for minimum coverage over full coverage. In Massachusetts, the average cost of minimum coverage is $48 per month. However, keep in mind that if you cause an accident, you will be responsible for any damages that exceed your policy limits. That’s why it’s often wise to increase your liability limits above the minimum. You can save on your auto insurance in other ways, for example by dropping collision and comprehensive, which are typically the most expensive coverages. This means you’d have to cover repair costs out of pocket after an accident, but it generally poses less financial risk than carrying inadequate liability limits.
Methodology
We analyze average auto insurance premiums in Massachusetts for full and minimum coverage for good drivers with good credit. We also analyzed rates for drivers with DUIs, accidents, speeding tickets, and teenagers. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $8,000 per person, per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
2024 U.S. Auto Insurance Study. J.D. Power. (2024, June 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study2024 U.S. Auto Claims Satisfaction Study. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyInsurer Report Card. CRASH Network. (2025).
https://www.crashnetwork.com/irc/
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