The Cheapest Car Insurance in Massachusetts for April 2024

Geico offers the cheapest car insurance in Massachusetts overall, with an average annual rate of $841 for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Massachusetts isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Massachusetts is Geico at $841 per year on average, or $70 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Massachusetts. Meanwhile, the average cost of full coverage car insurance in Massachusetts is $1,348 per year, or about $112 per month.

Minimum coverage in Massachusetts is $430 per year on average, but we found you can likely get a cheaper policy. For example, Vermont Mutual offers the cheapest rates in Massachusetts at $263 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Live in Beantown and need affordable coverage? Check out NerdWallet's guide to the cheapest car insurance in Boston.

How we chose the cheapest companies in Massachusetts

NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Massachusetts and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Massachusetts. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Massachusetts where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap car insurance in Massachusetts for 20-year-olds

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Massachusetts for 20-year-olds

Drivers in Massachusetts with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. Allstate: $6,627 per year, or about $552 per month.
  2. Amica: $4,109 per year, or about $342 per month.
  3. Chubb: $5,431 per year, or about $453 per month.
  4. Farmers: $3,997 per year, or about $333 per month.
  5. Geico: $1,489 per year, or about $124 per month.

Cheapest minimum coverage car insurance in Massachusetts for 20-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Allstate: $1,847 per year, or about $154 per month.
  2. Amica: $1,176 per year, or about $98 per month.
  3. Chubb: $1,354 per year, or about $113 per month.
  4. Farmers: $1,002 per year, or about $84 per month.
  5. Geico: $657 per year, or about $55 per month.

Cheapest auto insurance in Massachusetts for 20-year-olds with poor credit

Drivers with poor credit in Massachusetts should look at the following insurers with the lowest average rates for minimum coverage:

  1. Allstate: $1,847 per year, or about $154 per month.
  2. Amica: $1,176 per year, or about $98 per month.
  3. Chubb: $1,354 per year, or about $113 per month.
  4. Farmers: $1,002 per year, or about $84 per month.
  5. Geico: $657 per year, or about $55 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $1,846 per year, or about $154 per month.
  2. Amica: $1,176 per year, or about $98 per month.
  3. Chubb: $1,424 per year, or about $119 per month.
  4. Farmers: $1,051 per year, or about $88 per month.
  5. Geico: $657 per year, or about $55 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $2,259 per year, or about $188 per month.
  2. Amica: $1,419 per year, or about $118 per month.
  3. Chubb: $1,848 per year, or about $154 per month.
  4. Farmers: $1,271 per year, or about $106 per month.
  5. Geico: $818 per year, or about $68 per month.

Cheapest auto insurance in Massachusetts for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Allstate: $2,533 per year, or about $211 per month.
  2. Amica: $1,679 per year, or about $140 per month.
  3. Chubb: $1,955 per year, or about $163 per month.
  4. Farmers: $1,490 per year, or about $124 per month.
  5. Geico: $908 per year, or about $76 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Massachusetts for 30-year-olds

Drivers in Massachusetts who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Allstate: $2,769 per year, or about $231 per month.
  2. Amica: $2,133 per year, or about $178 per month.
  3. Chubb: $1,403 per year, or about $117 per month.
  4. Farmers: $2,212 per year, or about $184 per month.
  5. Geico: $862 per year, or about $72 per month.

Cheapest minimum coverage car insurance in Massachusetts for 30-year-olds

Drivers in Massachusetts who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Allstate: $823 per year, or about $69 per month.
  2. Amica: $611 per year, or about $51 per month.
  3. Chubb: $318 per year, or about $27 per month.
  4. Farmers: $519 per year, or about $43 per month.
  5. Geico: $392 per year, or about $33 per month.

Cheapest auto insurance in Massachusetts for 30-year-olds with poor credit

Drivers with poor credit in Massachusetts should consider the following companies with the lowest average rates for full coverage:

  1. Allstate: $2,769 per year, or about $231 per month.
  2. Amica: $2,133 per year, or about $178 per month.
  3. Chubb: $1,403 per year, or about $117 per month.
  4. Farmers: $2,212 per year, or about $184 per month.
  5. Geico: $862 per year, or about $72 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $823 per year, or about $69 per month.
  2. Amica: $759 per year, or about $63 per month.
  3. Chubb: $451 per year, or about $38 per month.
  4. Farmers: $675 per year, or about $56 per month.
  5. Geico: $430 per year, or about $36 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers with one at-fault crash

For drivers in Massachusetts with a recent accident, here are the lowest average rate options for full coverage:

  1. Allstate: $4,621 per year, or about $385 per month.
  2. Amica: $3,364 per year, or about $280 per month.
  3. Chubb: $2,856 per year, or about $238 per month.
  4. Farmers: $3,949 per year, or about $329 per month.
  5. Geico: $1,236 per year, or about $103 per month.

Cheapest auto insurance in Massachusetts for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Allstate: $6,534 per year, or about $545 per month.
  2. Amica: $4,372 per year, or about $364 per month.
  3. Chubb: $3,088 per year, or about $257 per month.
  4. Farmers: $4,529 per year, or about $377 per month.
  5. Geico: $1,404 per year, or about $117 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Massachusetts for 40-year-olds

Drivers in Massachusetts with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Allstate: $2,634 per year, or about $220 per month.
  2. Amica: $2,030 per year, or about $169 per month.
  3. Chubb: $1,307 per year, or about $109 per month.
  4. Farmers: $2,057 per year, or about $171 per month.
  5. Geico: $817 per year, or about $68 per month.

Cheapest minimum coverage car insurance in Massachusetts for 40-year-olds

Drivers in Massachusetts who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Allstate: $828 per year, or about $69 per month.
  2. Amica: $609 per year, or about $51 per month.
  3. Chubb: $298 per year, or about $25 per month.
  4. Farmers: $476 per year, or about $40 per month.
  5. Geico: $377 per year, or about $31 per month.

Cheapest auto insurance in Massachusetts for 40-year-olds with poor credit

Drivers with poor credit in Massachusetts can check out the following insurers with the lowest average rates for full coverage:

  1. Allstate: $2,634 per year, or about $220 per month.
  2. Amica: $2,030 per year, or about $169 per month.
  3. Chubb: $1,307 per year, or about $109 per month.
  4. Farmers: $2,057 per year, or about $171 per month.
  5. Geico: $817 per year, or about $68 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $823 per year, or about $69 per month.
  2. Amica: $757 per year, or about $63 per month.
  3. Chubb: $426 per year, or about $36 per month.
  4. Farmers: $618 per year, or about $52 per month.
  5. Geico: $423 per year, or about $35 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $4,621 per year, or about $385 per month.
  2. Amica: $3,202 per year, or about $267 per month.
  3. Chubb: $2,671 per year, or about $223 per month.
  4. Farmers: $3,649 per year, or about $304 per month.
  5. Geico: $1,220 per year, or about $102 per month.

Cheapest auto insurance in Massachusetts for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Allstate: $6,325 per year, or about $527 per month.
  2. Amica: $4,162 per year, or about $347 per month.
  3. Chubb: $2,889 per year, or about $241 per month.
  4. Farmers: $4,171 per year, or about $348 per month.
  5. Geico: $1,402 per year, or about $117 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Massachusetts for 50-year-olds

Drivers in Massachusetts with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Allstate: $3,190 per year, or about $266 per month.
  2. Amica: $2,022 per year, or about $169 per month.
  3. Chubb: $1,299 per year, or about $108 per month.
  4. Farmers: $2,039 per year, or about $170 per month.
  5. Geico: $758 per year, or about $63 per month.

Cheapest minimum coverage car insurance in Massachusetts for 50-year-olds

Drivers in Massachusetts who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Allstate: $829 per year, or about $69 per month.
  2. Amica: $609 per year, or about $51 per month.
  3. Chubb: $298 per year, or about $25 per month.
  4. Farmers: $471 per year, or about $39 per month.
  5. Geico: $357 per year, or about $30 per month.

Cheapest auto insurance in Massachusetts for 50-year-olds with poor credit

Drivers with poor credit in Massachusetts can check with the following companies, which showed the lowest average rates for full coverage:

  1. Allstate: $3,190 per year, or about $266 per month.
  2. Amica: $2,022 per year, or about $169 per month.
  3. Chubb: $1,299 per year, or about $108 per month.
  4. Farmers: $2,039 per year, or about $170 per month.
  5. Geico: $758 per year, or about $63 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $823 per year, or about $69 per month.
  2. Amica: $757 per year, or about $63 per month.
  3. Chubb: $426 per year, or about $36 per month.
  4. Farmers: $612 per year, or about $51 per month.
  5. Geico: $410 per year, or about $34 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers with one at-fault crash

For drivers living in Massachusetts with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Allstate: $4,613 per year, or about $384 per month.
  2. Amica: $3,202 per year, or about $267 per month.
  3. Chubb: $2,662 per year, or about $222 per month.
  4. Farmers: $3,610 per year, or about $301 per month.
  5. Geico: $1,175 per year, or about $98 per month.

Cheapest auto insurance in Massachusetts for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Allstate: $6,232 per year, or about $519 per month.
  2. Amica: $4,158 per year, or about $347 per month.
  3. Chubb: $2,880 per year, or about $240 per month.
  4. Farmers: $4,128 per year, or about $344 per month.
  5. Geico: $1,370 per year, or about $114 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Massachusetts for 60-year-olds

Drivers in Massachusetts with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Allstate: $2,847 per year, or about $237 per month.
  2. Amica: $2,030 per year, or about $169 per month.
  3. Chubb: $1,299 per year, or about $108 per month.
  4. Farmers: $1,988 per year, or about $166 per month.
  5. Geico: $732 per year, or about $61 per month.

Cheapest minimum coverage car insurance in Massachusetts for 60-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Allstate: $827 per year, or about $69 per month.
  2. Amica: $609 per year, or about $51 per month.
  3. Chubb: $298 per year, or about $25 per month.
  4. Farmers: $455 per year, or about $38 per month.
  5. Geico: $348 per year, or about $29 per month.

Cheapest auto insurance in Massachusetts for 60-year-olds with poor credit

Drivers with poor credit in Massachusetts can look at the following companies with the lowest average rates for full coverage:

  1. Allstate: $2,847 per year, or about $237 per month.
  2. Amica: $2,030 per year, or about $169 per month.
  3. Chubb: $1,299 per year, or about $108 per month.
  4. Farmers: $1,988 per year, or about $166 per month.
  5. Geico: $732 per year, or about $61 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $823 per year, or about $69 per month.
  2. Amica: $757 per year, or about $63 per month.
  3. Chubb: $426 per year, or about $36 per month.
  4. Farmers: $592 per year, or about $49 per month.
  5. Geico: $401 per year, or about $33 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $4,620 per year, or about $385 per month.
  2. Amica: $3,202 per year, or about $267 per month.
  3. Chubb: $2,662 per year, or about $222 per month.
  4. Farmers: $3,512 per year, or about $293 per month.
  5. Geico: $1,151 per year, or about $96 per month.

Cheapest auto insurance in Massachusetts for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $5,767 per year, or about $481 per month.
  2. Amica: $4,162 per year, or about $347 per month.
  3. Chubb: $2,880 per year, or about $240 per month.
  4. Farmers: $4,011 per year, or about $334 per month.
  5. Geico: $1,360 per year, or about $113 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Massachusetts for 70-year-olds

Drivers in Massachusetts with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Allstate: $2,117 per year, or about $176 per month.
  2. Amica: $2,140 per year, or about $178 per month.
  3. Chubb: $1,035 per year, or about $86 per month.
  4. Farmers: $1,738 per year, or about $145 per month.
  5. Geico: $601 per year, or about $50 per month.

Cheapest minimum coverage car insurance in Massachusetts for 70-year-olds

Drivers in Massachusetts who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Allstate: $617 per year, or about $51 per month.
  2. Amica: $611 per year, or about $51 per month.
  3. Chubb: $237 per year, or about $20 per month.
  4. Farmers: $410 per year, or about $34 per month.
  5. Geico: $300 per year, or about $25 per month.

Cheapest auto insurance in Massachusetts for 70-year-olds with poor credit

Drivers with poor credit in Massachusetts can look at the following companies with the lowest average rates for full coverage:

  1. Allstate: $2,117 per year, or about $176 per month.
  2. Amica: $2,140 per year, or about $178 per month.
  3. Chubb: $1,035 per year, or about $86 per month.
  4. Farmers: $1,738 per year, or about $145 per month.
  5. Geico: $601 per year, or about $50 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Massachusetts, here are the companies with the lowest average rates for minimum coverage:

  1. Allstate: $617 per year, or about $51 per month.
  2. Amica: $759 per year, or about $63 per month.
  3. Chubb: $336 per year, or about $28 per month.
  4. Farmers: $532 per year, or about $44 per month.
  5. Geico: $345 per year, or about $29 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Massachusetts, here are the companies with the lowest average rates for full coverage:

  1. Allstate: $3,467 per year, or about $289 per month.
  2. Amica: $3,362 per year, or about $280 per month.
  3. Chubb: $2,107 per year, or about $176 per month.
  4. Farmers: $3,104 per year, or about $259 per month.
  5. Geico: $959 per year, or about $80 per month.

Cheapest auto insurance in Massachusetts for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Allstate: $4,379 per year, or about $365 per month.
  2. Amica: $4,456 per year, or about $371 per month.
  3. Chubb: $2,279 per year, or about $190 per month.
  4. Farmers: $3,555 per year, or about $296 per month.
  5. Geico: $1,146 per year, or about $96 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 43 of the 70 driver profiles we examined.

Minimum coverage requirements in Massachusetts

Bay State drivers are required to carry liability insurance, uninsured motorist bodily injury coverage and personal injury protection, or PIP, in at least the following amounts:

  • $20,000 bodily injury liability per person.

  • $40,000 bodily injury liability per crash.

  • $5,000 property damage liability per crash.

  • $20,000 uninsured motorist bodily injury per person.

  • $40,000 uninsured motorist bodily injury per crash.

  • $8,000 PIP.

Liability car insurance covers the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits.

Uninsured motorist coverage will cover expenses from injuries or damage after an accident with a driver who doesn’t have car insurance. Underinsured motorist coverage will cover the same expenses if you’re hit by a driver with some car insurance, but not enough to cover all costs from the crash.

Personal injury protection will cover your medical bills and expenses if you’re injured in a car crash, up to your policy limits, no matter whose fault it was. Depending on your state, PIP may also pay for:

  • Lost wages if you’re unable to work due to injuries from an accident.

  • Services you can no longer perform, like house cleaning or child care, because of your injuries.

  • Funeral costs if an accident-related injury leads to death.

  • A small death benefit as a cash payout.

Check out NerdWallet’s guide to minimum car insurance requirements by state to learn how the key pieces of your Massachusetts auto policy work and how to select coverage limits for your situation.

For more help finding cheap coverage in Massachusetts, use NerdWallet’s car insurance comparison tool.

Car insurance for high-risk drivers

If you’re unable to buy car insurance on the voluntary market due to a spotty driving record or other factors, an insurance agent can submit an application for you to the Massachusetts Automobile Insurance Plan. This is the system for providing insurance to risky drivers. All car insurers in Massachusetts must take a portion of the state’s high-risk drivers.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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