Compare Cheap Auto Insurance in Massachusetts

• 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.

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.

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.

1. 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.
2. 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.
3. 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.
4. 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.
5. 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.

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.

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.

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