Compare Cheap Auto Insurance in Massachusetts

With an average annual price of $1,574 and a monthly price of $131, Safety Group offers the most affordable full coverage auto insurance in Massachusetts. This is far less than the statewide average cost of $2,148. Plymouth Rock also offers a competitive full coverage rate of $1,616 per year, or $135 per month.

USAA offers the cheapest overall minimum coverage rates in Massachusetts, at $353 per year or $29 per month. However, USAA is available only to veterans, military members, and their families. For non-military drivers, Plymouth Rock is the most affordable option with rates of $476 annually, or $40 per month.

Drivers with a speeding ticket in Massachusetts will typically find the lowest rates with GEICO and Safety Group. Arbella and USAA have the next-cheapest average rates.

Plymouth Rock offers the lowest premiums for households with teen drivers in Massachusetts. On average, teen policies cost $4,151 annually ($346 per month), which is nearly $1,000 lower than the statewide average of $5,125 per year. USAA ($4,498 annually) and GEICO ($4,524 annually) also offer competitive prices for households with teens.

Progressive offers the cheapest coverage in Massachusetts for drivers with a DUI. Policies cost $2,096 per year ($175 per month), which is significantly less than the statewide average of $3,298 per year. In fact, we named Progressive one of the best insurers for drivers with a DUI in our recent analysis.

Plymouth Rock is the most affordable provider for Massachusetts drivers with a recent at-fault accident, with an average annual rate of $2,068. This is 26 percent less than the state average of $2,781 per year. Safety Group ($2,084 annually) is the second cheapest provider with nearly identical average rates to those of Plymouth Rock.

USAA and Amica have the strongest scores from J.D. Power, though Amica’s rates aren’t always the cheapest in Massachusetts. If you’re looking for a good mix of customer satisfaction and affordability, look into GEICO, which has above-average J.D. Power scores. We recommend comparing multiple providers to find the best coverage for you.

Massachusetts does not allow auto insurers to review credit history when determining rates. This means drivers with poor credit can expect to pay the same amount as those with a clean record. This is true for both full and minimum coverage.

1. Bundle policies: Most large insurers will offer a big discount — sometimes up to 20 percent — if you purchase another type of policy with your auto insurance, such as homeowners or renters insurance.
2. Raise your deductible: Increasing comprehensive and collision deductibles often helps lower premiums, though you’ll have to pay more to cover accident costs before your coverage kicks in. Be sure you can afford potential out-of-pocket costs.
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 insurers offer a wide variety of discounts, including telematics and lower rates for company or alumni affiliation. Speak to an agent to ensure they apply all possible discounts to your policy.
5. Compare quotes: Even within Massachusetts, premiums can vary significantly by location. Compare at least three quotes to ensure you get the cheapest possible rates.

Cambridge has some of the lowest premiums of major cities, averaging $2,025 per year. Lowell also offers lower average rates at $2,134 per year. Meanwhile, Springfield has fairly high rates for the state, with an average rate of $2,599 per year—over $450 over the statewide average.

There are four legally required coverages in Massachusetts, altogether known as compulsory coverage.⁵ All drivers must hold these coverages with the following limits:

• Bodily injury liability: $25,000 per person/$50,000 if more than one person is hurt
• Property damage liability: $30,000
• Personal injury protection (PIP): $8,000 per person, per accident
• Bodily injury caused by uninsured driver: $25,000 per person/$50,000 per accident

It’s always wise to opt for higher coverage limits, as the minimum limits are often inadequate in even a moderate accident. 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: $100,000 per accident
• Personal injury protection: $8,000 per person, per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible