Cheap Car Insurance in Massachusetts

Married or Single

In Massachusetts, both married and single people can get rates as low as $622 from State Farm.

Full Coverage or Minimum Coverage

Those with less coverage will pay less for insurance. If you get only the state’s minimum required coverage, you can pay just $306 a year with State Farm. Full coverage will cost significantly more, at $730 from the Safety Group.

Teens or Adults

Teen drivers will pay more than middle-aged and older drivers. However, when people hit their 70s, insurance rates start to increase again. Here are the cheapest annual options for every age:

• 16 – State Farm, $1,974
• 17 – State Farm, $1,974
• 18 – Safety Insurance Company, $1,171
• 19 – GEICO, $1,427
• 20s – The Hanover, $531
• 30s – The Hanover, $310
• 40s – The Hanover, $280
• 50s – The Hanover, $256
• 60s – The Hanover, $261
• 70s – GEICO, $764

Good or Bad Driving Record

If you have a good driving record, you can buy insurance in Massachusetts for as little as $252 per year from Chubb. There’s no average price for people with a bad driving record, but expect rates to be much higher.

• Allstate
• Amica
• Arbella
• Esurance
• Farmers
• GEICO
• Homesite
• National General
• Nationwide
• Plymouth Rock
• Plymouth Rock Assurance
• Progressive
• PURE
• The General
• Travelers
• USAA

1. Raise your deductible. If you have collision or comprehensive coverage, raising your deductible will lower your premium.
2. Use discounts. Ask your agent for ways you can save. Do you work for the federal government? Do you have a child who gets straight A’s? Are you okay with paying your premiums upfront? If you answered yes to any of these questions, you might be eligible for savings.
3. Bundle policies. Whether you have home insurance, life insurance, or even boat insurance, bundling it under the same provider could get you a discount.
4. Get minimum coverage. The cheapest auto insurance option is getting the minimum insurance the state requires, which is still pretty substantial, as you can see from the chart below.

Expect higher insurance costs if you had an at-fault accident or speeding ticket. However, improving your credit score won’t impact your premium in Massachusetts, as the state bans companies from taking credit score into account when determining prices.

Compared to other states, Massachusetts’ minimum requirements are decent. The state requires not only liability coverage, but also personal injury protection and uninsured motorist coverage for bodily injury. But what’s missing?

Higher Liability Limits

Liability coverage for both bodily injury and property damage should have limits as high as you can afford. A car accident could result in more than $40,000 of injuries or $5,000 of property damage, for example. Consider a minimum limit of $500,000. (High-net-worth individuals should consider an umbrella policy with higher limits than this, as they’re more susceptible to lawsuits.)

Collision Coverage

Massachusetts’ minimum coverage does not apply to your property damages in accidents you cause. For that, you’d need collision insurance.

Comprehensive Coverage

Comprehensive coverage also pays for your property damages, but not from collisions. Rather, it covers damages from the following incidents:

• Auto theft
• Car vandalism
• Hail
• Fire
• Natural disasters

The limit for comprehensive coverage is also your car’s actual market value.

The only alternative to buying personal auto insurance is to self-insure, but this option won’t be available to most people. Why? Because self-insuring requires proving you can satisfy any judgments against you in the way third-party car insurance in Massachusetts would. You must prove you can pay the following.

• Bodily injury coverage: $5,000 per person, $10,000 for two or more people
• Property damage coverage: $5,000

Your proof can be a security or a surety bond. However, the insurance commissioner has full discretion as to whether to provide you with a certificate of self-insurance, according to Massachusetts law.²

• Mailing address:
  • Registry of Motor Vehicles
  • P.O. Box 55889
  • Boston, MA 02205
• Website: https://www.mass.gov/forms/rmv-customer-contact-us
• Phone number: 857-368-8200

Massachusetts probably isn’t the only state in the region where you’ll be driving. While you’re in New England, check out our state driving guide to make sure you’re not violating any laws of neighboring states. However, if you have no plans to leave the Old Colony State, learn more about insurance in Massachusetts in our frequently asked questions below.