Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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Compare RatesStart Now → licensed insurance agents did a comparison study of the cheapest car insurance companies in Massachusetts and found Norfolk & Dedham at $360 per year provides the cheapest rate for Massachusetts minimum coverage.

Plymouth Rock Insurance at $1,236 per year provides the most affordable auto insurance for drivers in Massachusetts with full coverage policies.

Best Cheap Car Insurance Quotes in Massachusetts

Drivers can find the best coverage in Massachusetts and save more on car insurance premiums by comparing quotes from multiple insurance providers with our comparison study’s best rates.

Cheapest Car Insurance in Massachusetts - Key Takeaways
AutoInsureSavings.orgThe cheapest Massachusetts car insurance options are:

Cheapest for minimum coverage: Norfolk & Dedham
Cheapest for full coverage: Plymouth Rock
Cheapest after an at-fault accident: GEICO
Cheapest after a speeding ticket: Plymouth Rock
Cheapest after a DUI: Progressive
Cheapest for married drivers: The Hanover
Cheapest for young drivers: GEICO
For young drivers with a speeding violation: GEICO
For young drivers with an at-fault accident: GEICO
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This Massachusetts car insurance guide is the best way to find affordable auto insurance coverage and help you save money regardless of age groups or driving types.

Cheapest auto insurance in Massachusetts with Norfolk & Dedham, The Hanover, and Plymouth Rock Insurance compared with average rates.

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Cheapest Car Insurance in Massachusetts for Minimum Coverage

During our auto insurers’ analysis of Massachusetts’s best rates, Norfolk & Dedham provided us a $360 per year or $30 per month rate for the cheapest minimum liability insurance for good drivers in Massachusetts. Norfolk & Dedham’s quote is 50% cheaper than the Massachusetts state average of $710 per year.

CompanyAverage annual rate
Norfolk & Dedham$360
The Hanover$397
Plymouth Rock$407
Safety Insurance$416
State Farm$587
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*Quotes vary based on driver profiles.

Minimum liability coverage in Massachusetts can ensure you have bodily injury, property damage liability, personal injury protection, and uninsured motorist coverage to stay legal and have the cheapest possible premium. Still, it may not provide you with all the coverage you need if you are involved in an auto accident.

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In the event of an at-fault car accident, state minimum policies will not cover property damage to your car. To avoid expensive repairs, our licensed agents recommend full coverage policies when shopping for Massachusetts auto insurance rates.

Cheapest Full Coverage Car Insurance in Massachusetts

Plymouth Rock offers the cheapest insurance rates for full coverage in Massachusetts for drivers with clean driving records. Plymouth Rock offered our sample driver a $1,236 annual rate or 31% less per year than Massachusetts’s average at $1,747 per year. 

InsurerAnnual costMonthly cost
Plymouth Rock$1,236$103
Norfolk & Dedham$1,414$117
Massachusetts average$1,747$145
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Full coverage policies offer a better coverage level of protection for Massachusetts drivers, which covers property damage to the other driver’s car and your car by adding collision and comprehensive coverage.

Collision coverage pays for damage to your motor vehicle in the event of an auto accident, and comprehensive insurance pays for weather damage, such as from a storm or fallen tree branch or if you accidentally hit an animal. 

Cheapest Car Insurance With a Speeding Ticket for Drivers in Massachusetts

AutoInsureSavings insurance agents found Plymouth Rock ($1,560 per year) offers cheaper car insurance in Massachusetts for drivers who have one speeding violation on their driving record. Plymouth Rock’s quote is 28% less expensive or $579 less per year.

InsurerAnnual costMonthly cost
Plymouth Rock$1,560$130
Massachusetts average$2,139$178
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In Massachusetts, traffic tickets give rate increases by $392 or 19%, but not as much as a driver with an at-fault accident (44%) or DUI violation (58%).

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Cheapest Insurance with an Auto Accident in Massachusetts

We found GEICO offers cheaper car insurance quotes to Massachusetts drivers with one at-fault accident on their driving records with a $1,983 annual rate ($165 per month) for our sample 30-year-old male driver.

GEICO’s rate is $659 less per year than Massachusetts’s state average rate of $2,642 or 25% less expensive.

InsurerAnnual costMonthly cost
State Farm$2,359$196
Massachusetts average$2,642$220
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We found car insurance rates increase about 44% after a driver is involved in an accident in Massachusetts during our licensed agent’s analysis. Just one at-fault accident could cause your car insurance rates to increase as much as $895 per year or $75 per month. 

Cheapest Car Insurance for People With a DUI in Massachusetts

With a drunk driving (DUI) violation, people in Massachusetts can find affordable car insurance with Progressive with a quote at $2,056 per year for full coverage or a $171 monthly rate for our sample 30- year-old driver. Progressive’s quote is 36% cheaper than Massachusetts‘s DUI rate of $3,164 annually.

InsurerAnnual costMonthly cost
The Hanover$2,617$218
Massachusetts average$3,164$263
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According to the Commonwealth of Massachusetts, a DUI conviction in Massachusetts will cause your car insurance premiums to increase 58%. The DUI will remain on your driving record permanently. Your auto insurance rates increase over the next three to six years, depending on if any bodily injury to people happened during the DUI and the blood alcohol level (BAC). 

Cheapest Insurance for Married Drivers in Massachusetts agents recommend The Hanover for married drivers, which provides the least expensive insurance in Massachusetts.

The Hanover’s rate of $1,368 with comprehensive and collision insurance included is 34% less expensive than the average rate for 30-year-old married drivers. And 24% cheaper than what single drivers pay for Massachusetts car insurance.  

InsurerAnnual costMonthly cost
The Hanover$1,368$114
Safety Insurance$1,671$139
Massachusetts average$2,055$171
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Cheapest Car Insurance for Young Drivers in Massachusetts

Young Massachusetts drivers can find the cheapest full coverage auto insurance rates with GEICO, which provided us a $3,918 annual rate or 30% less expensive than Massachusetts’s younger driver average rates.

The Hanover provides the cheapest minimum coverage rates for young or teen drivers at $1,318 per year or 33% lower than average Massachusetts rates.

The next best option for young Massachusetts drivers for state minimum is MetLife, at $1,374 per year. 

InsurerFull coverageMinimum coverage
The Hanover$4,460$1,318
Safety Insurance$4,857$1,827
State Farm$5,417$2,361
Plymouth Rock$8,257$2,583
Massachusetts average$5,545$1,956
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*Quotes vary based on driver profiles.

According to the Insurance Information Institute (, your age correlates with safe driving habits. Statistically, the younger you are, the higher likelihood you will be in a car accident.

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According to the National Highway Traffic Safety Administration (NHTSA), auto insurers account for this risk factor by charging higher insurance rates for inexperienced drivers. As you gain more driving experience, your rates should decrease as you get older.  

Cheapest Insurance for Young Drivers with Speeding Tickets

Teen drivers with speeding tickets in Massachusetts can find the cheapest quotes with GEICO. Average auto insurance costs with GEICO are $4,033 per year for full coverage or 32% less expensive than Massachusetts‘s average speeding ticket rate for younger drivers. 

InsurerAnnual costMonthly cost
Liberty Mutual$5,965$497
Massachusetts average$5,889$490
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Cheapest Insurance for Young Drivers with an At-fault Accident

Inexperience Massachusetts drivers with a recent at-fault accident can find the best car insurance with GEICO with a $4,984 quote for full coverage insurance.

GEICO’s at-fault accident rate for young drivers is 25% cheaper than Massachusetts‘s average rate of $6,570 per year. 

InsurerAnnual costMonthly cost
Massachusetts average$6,570$547
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Best Auto Insurance Companies in Massachusetts

Based on customer service and claims satisfaction, Massachusetts’s best car insurance companies are Travelers Insurance and Progressive.

If customer service is a priority with a low amount of complaints based on NAIC’s index, we recommended Travelers as the best auto insurer in Massachusetts.

Insurer% respondents extremely satisfied with recent claim% respondents rated customer service as excellent
Progressive 73%54%
State Farm71%49%
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Buying cheap insurance helps Massachusetts insurance shoppers save money, but insurance companies with poor customer service or claims handling sometimes are not worth the extra savings in your bank account.

AutoInsureSavings licensed agents collected information on Massachusetts’s car insurance companies from the National Association of Insurance Commissioners (NAIC), J.D. Powers, and A.M. Best’s financial strength ratings.

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The insurance companies with the lowest NAIC complaint index ratio based on the market share are Travelers (0.65), Progressive (0.67), and Arbella (0.69). All three insurers have a complaint index of less than one (1.00), the national average. 

InsurerNAIC Complaint IndexJ.D. Power claims satisfaction scoreAM Best Financial Strength Rating
Plymouth Rock0.74n/aA-
State Farm0.78869A+
The Hanover0.81n/aA
Safety Insurance0.94n/aA
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While you shop around for car insurance companies in The Bay State, several factors contribute to your insurance cost. Your driver profile, type of vehicle, and age can impact your total monthly or annual insurance premium. 

It is always best to shop around and compare plans to find a Massachusetts car insurance company with the cheapest rates with excellent customer service ratings. 

Average Car Insurance Cost by City in Massachusetts

We collected insurance quotes from Massachusetts zip codes from top auto insurance companies and found rates can vary by $370 by zip code and city.

Your zip code in The Bay State is one of many risk factors auto insurers use to set your auto insurance quotes. Other factors include your marital status, type of vehicle, age, and liability insurance.

Cheapest Auto Insurance in Boston, MA

Drivers in Boston can find the best auto insurance rates with Travelers, which provided us a quote at $1,463 per year for a full coverage insurance policy. Travelers’ rate is 24% cheaper than Boston’s insurance rate of $1,987 per year.

Boston CompanyAverage Premium
Safety Insurance$1,633
Boston average$1,987
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Cheapest Auto Insurance in Worcester, MA

AutoInsureSavings’ agents found GEICO is the cheapest liability car insurance company for people in Worcester. They provided us a $1,411 per year rate for full coverage, 25% less expensive than Worcester’s average rates at $1,866.

Worcester CompanyAverage Premium
Worcester average$1,866
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Cheapest Auto Insurance in Springfield, MA

Springfield drivers can find the best full coverage insurance policy with MetLife, which provided us a quote at $1,398 per year or $116 per month. MetLife’s insurance quote is 26% cheaper than average rates for 30-year-old drivers in Springfield. 

Springfield CompanyAverage Premium
State Farm$1,672
Springfield average$1,870
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Cheapest Auto Insurance in Cambridge, MA

Through research, we found the cheapest auto insurance in Cambridge is GEICO, with a $118 monthly rate or $1,417 per year. GEICO’s rate is 24% less expensive than Cambridge’s average rates of $1,841 per year.

Cambridge CompanyAverage Premium
State Farm$1,586
Liberty Mutual$1,749
Cambridge average$1,841
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Cheapest Auto Insurance in Lowell, MA

Lowell, Massachusetts drivers can find the cheapest auto insurance quotes with Arbella, which provided our agents a $1,548 rate per year for our 30-year-old driver. Arbella’s quote is 17% less expensive than Lowell’s average rates. 

Lowell CompanyAverage Premium
State Farm$1,641
Lowell average$1,844
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Cheapest Auto Insurance in Brockton, MA

Drivers in Brockton looking for cheaper car insurance rates should get quotes from Arbella, which offered our agents a $1,479 annual rate for full coverage with $500 deductibles with collision and comprehensive coverage.  Arbella’s rate is 24% less expensive than Brockton’s average rates of $1,930 per year. 

Brockton CompanyAverage Premium
Norfolk & Dedham$1,511
State Farm$1,582
Brockton average$1,930
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Average Car Insurance Costs for All Cities in Massachusetts

CityAnnual Premium CostCityAnnual Premium Cost
New Bedford$1,711Dennis$1,627
Fall River$1,638Millbury$1,695
Framingham$1,627North Adams$1,788
Plymouth$1,790Palmer $1,617
Methuen $1,670Dudley$1,784
Braintree $1,717Brewster$1,649
Watertown $1,670Sturbridge$1,817
Randolph $1,736Salisbury$1,670
Franklin $1,627Blackstone$1,617
North Andover$1,755Rutland$1,566
North Attleboro$1,638Montague$1,784
Agawam Town$1,617Adams$1,670
West Springfield $1,613Sterling$1,590
Melrose$1,736West Boylston$1,695
Reading$1,617West Bridgewater$1,804
Easton$1,627Great Barrington$1,638
Winthrop $1,808Bolton$1,649
South Hadley$1,807Eastham$1,717
Amesbury $1,816North Brookfield$1,762
Bellingham$1,617Oak Bluffs$1,627
Webster$1,695West Newbury$1,638
Southbridge $1,649Boylston$1,736
East Longmeadow$1,638Essex$1,670
Westwood$1,755West Brookfield$1,695
Easthampton $1,787Sunderland$1,788
North Reading$1,821Brookfield$1,736
East Bridgewater$1,695Cheshire$1,717
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Minimum Auto Insurance Coverage Requirements in Massachusetts

According to the Massachusetts Division of Insurance, all drivers must carry the minimum liability insurance requirements, personal injury protection (PIP) of $8,000 per person and per accident, and uninsured motorist coverage.

LiabilityMinimum coverage
Bodily injury liability$20,000 per person and $40,000 per accident
Property damage liability$5,000 per accident
Uninsured motorist bodily injury$20,000 per person and $40,000 per accident
Personal injury protection (PIP)$8,000 per person and per accident
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Massachusetts is a no-fault state mandating motorists to carry first-party medical benefits in their auto insurance policies. And uninsured motorist bodily injury coverage is mandated by state law. AutoInsureSavings agents recommend higher bodily injury and property damage liability limits with comprehensive and collision insurance. 

Frequently Asked Questions

Who has the Cheapest Car Insurance in Massachusetts?

We found the top car insurance companies that offer the lowest Massachusetts drivers’ average rates are Norfolk & Dedham at $30 per month, The Hanover at $34 per month, and Plymouth Rock Insurance at $35 a month for a liability insurance policy for a 30-year-old with clean driving history.

How Much Is Car Insurance For Drivers in Massachusetts per Month?

The average cost for car insurance per month in Massachusetts is $145 or $1,747 per year for full coverage. The average price of a minimum coverage car insurance policy per month is $59 or $710 per year. Plymouth Rock’s full coverage average rate is $103 per month or 31% less expensive, while Norfolk & Dedham offers state minimum policies in Massachusetts at $30 per month or 50% cheaper.

How Much Is Full Coverage Car Insurance in Massachusetts?

The average cost of full coverage car insurance in Massachusetts is $1,747 annually or $145 per month. Plymouth Rock’s average rate for full coverage is $1,236 per year or $103 per month. Norfolk & Dedham ($1,414) and GEICO ($1,456) are also below the state’s average.

How do I Save on Car Insurance in Massachusetts?

There are many ways for drivers in Massachusetts to save on their car insurance premiums. You can determine if you are eligible for a money-saving driver discount offered by the car insurance company. Many insurance providers will lower your overall rates if you have multi-policies with them, such as life or home insurance.

Another way to save on your car insurance premium is to practice good driving habits and keep a clean driving record. That will not only keep you and your passengers safe but will also help you avoid auto accidents or traffic violations that could cause rate increases.

To learn more about the most affordable car insurance options or insurance products for drivers in Massachusetts, contact the experts at Our licensed insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping insurance study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible
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We used insurance rates for drivers with accident histories, credit score, and marital status for other Massachusetts rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your insurance rates may vary when you get quotes.


– Commonwealth of Massachusetts. “Basics of Auto Insurance.”
– “Massachusetts law about drunk and drugged driving.”
– National Highway Traffic Safety Administration. “NHTSA FATALITY ANALYSIS REPORTING SYSTEM (FARS).”
-National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– “Massachusetts law about auto insurance.”

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.