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The Best Cheap Car Insurance in Massachusetts for 2022

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If you spend any time behind the wheel in Massachusetts, you need car insurance. While the state's average annual premiums are pretty reasonable, it's possible to score an even better deal by seeking out the cheapest car insurance in Massachusetts. Here are some of the top companies to consider based on several common driver profiles.

  • Cheapest for typical drivers: Plymouth Rock Assurance
  • Cheapest for drivers with prior accidents: Plymouth Rock Assurance
  • Cheapest for drivers with prior speeding tickets: Geico
  • Cheapest for young drivers: Plymouth Rock Assurance
  • Cheapest for senior drivers: Geico
  • Cheapest for drivers looking for minimum coverage: Plymouth Rock Assurance

Cheapest for typical drivers

The typical Massachusetts driver pays about $1,564 per year for insurance. This is based on the profile of a 35-year-old driver with a clean record. That's already pretty affordable, but drivers who choose Plymouth Rock Assurance could get the same level of coverage for about $606 per year.

Plymouth Rock

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Best for Massachusetts drivers with a clean driving recordPlymouth Rock
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Other companies that offer low-cost car insurance in Massachusetts for typical drivers include:

  • Geico, where drivers with clean records pay about $624 per year on average
  • Arbella Insurance, which charges typical drivers average annual premiums of $1,246

Cheapest for drivers with prior accidents

Plymouth Rock Assurance is also one of the best car insurance companies in Massachusetts for drivers with a single accident on their record. While the state average for these drivers is $2,597 per year, Plymouth customers only pay about $897 per year on average.

Drivers with imperfect records should also consider the following Massachusetts auto insurance providers:

  • Geico, which comes in close behind Plymouth at $923 per year
  • Arbella Insurance, which charges drivers with a single accident about $1,663 per year on average

Cheapest for drivers with prior speeding tickets

Drivers with one speeding ticket pay about $1,983 annually for their Massachusetts auto insurance. But Geico offers these customers an average annual premium of $694 per year.

Geico

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Best for Massachusetts drivers with prior speeding ticketsGeico
Rating image, 4.50 out of 5 stars.
4.50 stars
Info Icon Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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The following insurers also offer cheap car insurance quotes in Massachusetts for drivers with prior speeding tickets:

  • Plymouth Rock Assurance, where drivers pay about $880 per year
  • Arbella Insurance, which charges drivers with one speeding ticket about $1,369 per year

Cheapest for young drivers

Teens and young drivers pay much more than their older counterparts. An 18-year-old with a clean driving record pays about $4,716 on average for Massachusetts auto insurance. Plymouth Rock Assurance once again came out as the cheapest, offering these drivers an average premium of $1,262 per year.

The following companies also offer affordable car insurance in Massachusetts for teen drivers:

  • Geico, where a typical 18-year-old pays about $1,709 per year on average
  • Travelers, which charges teens about $3,351 per year on average

Cheapest for senior drivers

Senior drivers only pay about $1,272 per year for their Massachusetts auto insurance. But those who choose Geico could pay as little as $406 per year.

These companies also offer some of the best car insurance in Massachusetts for seniors:

  • Plymouth Rock Assurance, which charges a typical 65-year-old driver with a clean record about $512 per year
  • Arbella Insurance, where senior drivers pay about $939 annually

Cheapest for drivers looking for minimum coverage

Massachusetts minimum coverage comes in at a pretty affordable $520 per year, on average. But it's possible to get that coverage much cheaper with Plymouth Rock Assurance. It only charges customers about $205 per year on average.

Drivers can also find cheap liability car insurance in Massachusetts with these companies:

  • Geico, where minimum coverage costs about $288 per year on average
  • The Hanover, where minimum Massachusetts auto insurance costs about $347 annually

Average cost of car insurance in Massachusetts compared to the national average

How much is car insurance in Massachusetts? That depends on a lot of factors. Your driving history, location within the state, and vehicle all play a part in determining your car insurance rates.

The average annual Massachusetts auto insurance premium is $1,972, which is almost 30% below the national average of $2,646 per year. Massachusetts drivers across other categories are also seeing double digit rate savings compared to the national average but it's possible for many drivers to beat the state average by a considerable margin if they choose the right provider.

Average Rate Category Massachusetts National Average
Overall $1,972 $2,646
Young drivers $4,716 $5,988
1 accident on driving record $2,597 $3,092
1 speeding ticket on driving record $1,983 $2,766

Massachusetts auto insurance laws

Here are some Massachusetts car insurance laws all drivers should be familiar with:

Massachusetts is a no-fault auto insurance state

Massachusetts is a no-fault state. This means that after an accident, each driver files claims with their own insurance provider for medical expenses. This is different from at-fault states, where the driver who is found to be at fault pays for medical expenses for all involved parties.

Insurers cannot count socioeconomic factors against you

Massachusetts state law prohibits insurers from considering gender, marital status, education level, income, race, or credit history when setting auto insurance rates. This is a huge plus for certain groups of drivers, like males and those with poor credit. These drivers pay more for car insurance in states that don't have these restrictions.

Consequences for driving without insurance in Massachusetts

Drivers who don't have at least the minimum Massachusetts auto insurance could face the following consequences:

  • Fines of up to $5,000
  • Driver's license and vehicle registration suspended for up to one year
  • Up to one year in jail

Massachusetts minimum coverage requirements

All drivers must carry at least the following Massachusetts auto insurance:

Bodily injury liability coverage

Massachusetts drivers must have at least:

  • $20,000 of bodily injury liability coverage per person
  • $40,000 of bodily injury liability coverage per accident

Property damage liability coverage

Drivers must also have at least $5,000 of property damage liability coverage to pay for any damage they cause to another person's property.

Personal injury protection (PIP)

All drivers must carry at least $8,000 of personal injury protection to pay for their medical expenses if they are injured in a crash.

Uninsured motorist coverage

Drivers must have uninsured motorist coverage of $20,000 per person and $40,000 per accident. This protects the policyholder if they are hit by a driver who doesn't have insurance.

How to get cheap auto insurance in Massachusetts

Drivers trying to score the cheapest insurance in Massachusetts should do the following:

  • Compare quotes from several insurers. Every company has its own formula for assessing risk, which is why drivers get different car insurance quotes from every insurer. The only way to know which one can offer the best deal is to get quotes from a handful of companies and compare them side by side.
  • Take advantage of all possible discounts. Discounts can help qualifying drivers save on their Massachusetts auto insurance premiums. Each insurer has its own slate of discounts, some of which are applied automatically while others require the driver to opt in.
  • Go with a higher deductible. Deductibles are the out-of-pocket costs a driver faces when they file an insurance claim. Generally, raising the deductible lowers the monthly premiums.

Other things to consider when looking for car insurance in Massachusetts

Here are a few other things to bear in mind when shopping for Massachusetts auto insurance:

Drivers may want more uninsured motorist coverage

Massachusetts has the second-lowest rate of uninsured drivers in the nation, largely due to its severe consequences for driving without insurance. But the minimum coverage may not be enough to protect drivers in serious accidents. Consider purchasing more than the state minimum for an added sense of security.

State minimum coverage won't protect your vehicle

Massachusetts minimum car insurance helps people pay their medical bills in the event of an accident. But there's no coverage for the policyholder's own vehicle. Drivers interested in this should consider adding collision and comprehensive coverage to their policy.

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