June 22, 2022

Cheap Car Insurance in Massachusetts

Car insurance in the Bay State gets more expensive every year.

In 2019, the average annual cost of car insurance in Massachusetts was $1,182.69, which is 9 percent higher than the national average, according to data from the National Association of Insurance Commissioners. From 2014 to 2019, the average rate in the Bay State shot up 12 percent. So how can you stay protected while not sacrificing so much of your hard-earned paycheck for car insurance?

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.

The Best Car Insurance in Massachusetts

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

How to Get Lower Car Insurance Rates

  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.
Type of coverage Minimum limit required
Bodily injury $20,000 per person,

$40,000 per accident

Personal injury protection $8,000 per person
Uninsured motorist bodily injury $20,000 per person,

$40,000 per accident

Property damage $5,000 per accident1

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.

How Much Coverage Is Enough?

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:

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

NOTE:

To protect yourself from having to pay out of pocket to replace your car after an accident, you’ll need either gap insurance (for a financed vehicle) or new-car replacement insurance (for a vehicle you own outright). Otherwise, you’ll receive your car’s AMV if it’s declared a total loss.

Uninsured Motorist Property Damage Coverage

The required coverage applies only to bodily injuries that an uninsured driver causes you and your passengers. It doesn’t cover property damage or liability for drivers with insufficient insurance (underinsured motorist coverage). For uninsured/underinsured motorist coverage, match the limit to that of your liability coverage.

Alternative: Self-Insurance

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

FYI:

If you fail to pay a judgment within 30 days, the insurance commissioner can cancel your self-insurance certificate, but they must let you know 10 days before it ends.

Registry of Motor Vehicles Contact Information

  • 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

Conclusion

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.

Frequently Asked Questions

What is the average monthly cost of car insurance in Massachusetts?

The average monthly cost of car insurance in Massachusetts is $98.56, according to the most recent data from the National Association of Insurance Commissioners.

Does GEICO offer car insurance in Massachusetts?

Yes, GEICO covers drivers in Massachusetts. There are agents close to the Boston and Springfield areas. Find an agent near you at https://www.geico.com/insurance-agents/massachusetts.

Are older cars cheaper to insure?

Older cars may or may not be cheaper to insure than newer cars. It depends on the car’s actual market value, crash test safety ratings, safety features, make, and model. It also depends on the driver. Drivers with a DUI will pay more than drivers with a clean driving record, for example, while teen drivers will pay more than drivers in their 30s. In other words, the age of the car isn’t the only factor that impacts the cost of insurance.

Is car insurance expensive in Massachusetts?

In Massachusetts, car insurance costs are 9 percent higher than the rest of the country, according to 2019 data from the National Association of Insurance Commissioners. The average person spent $1,182.69 on car insurance in 2019, compared with $1,070.47 for the rest of the country.

Citations

  1. Understanding Auto Insurance. Commonwealth of Massachusetts. (2022).
    https://www.mass.gov/service-details/understanding-auto-insurance

  2. Section 49G: Certificate of self-insurance. The 192nd General Court of the Commonwealth of Massachusetts. (2022).
    https://malegislature.gov/Laws/GeneralLaws/PartI/TitleXIV/Chapter90/Section49G