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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.
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.
Other companies that offer low-cost car insurance in Massachusetts for typical drivers include:
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:
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.
The following insurers also offer cheap car insurance quotes in Massachusetts for drivers with prior speeding tickets:
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:
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:
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:
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|
|1 accident on driving record||$2,597||$3,092|
|1 speeding ticket on driving record||$1,983||$2,766|
Here are some Massachusetts car insurance laws all drivers should be familiar with:
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.
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.
Drivers who don't have at least the minimum Massachusetts auto insurance could face the following consequences:
All drivers must carry at least the following Massachusetts auto insurance:
Massachusetts drivers must have at least:
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.
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.
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.
Drivers trying to score the cheapest insurance in Massachusetts should do the following:
Here are a few other things to bear in mind when shopping for Massachusetts auto insurance:
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.
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.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team. The Motley Fool has a Disclosure Policy. The Author and/or The Motley Fool may have an interest in companies mentioned.
The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.
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