Cheap Car Insurance in Massachusetts – September 2023

Geico offers the cheapest car insurance in Massachusetts overall, with an average rate of $75 per month for full coverage.
Ben Moore
By Ben Moore  
Updated

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Table of Contents

Nerdy takeaways

  • The cheapest car insurance in Massachusetts is Geico with an average monthly rate of $75 for full coverage.

  • The average cost of car insurance in Massachusetts is $116 per month for full coverage.

  • The best way to get cheap car insurance is to shop around and compare quotes from multiple insurers.

Table of Contents

Nerdy takeaways

  • The cheapest car insurance in Massachusetts is Geico with an average monthly rate of $75 for full coverage.

  • The average cost of car insurance in Massachusetts is $116 per month for full coverage.

  • The best way to get cheap car insurance is to shop around and compare quotes from multiple insurers.

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 $899 per year on average, or $75 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 $1,394 per year, or about $116 per month.

Minimum coverage in Massachusetts is $480 per year on average, but we found you can likely get a cheaper policy. For example, Preferred Mutual offers the cheapest rates in Massachusetts at $309 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. Geico: $1,582 per year, or about $132 per month.
  2. Plymouth Rock: $1,966 per year, or about $164 per month.
  3. Preferred Mutual: $2,252 per year, or about $188 per month.
  4. Safety Insurance: $2,514 per year, or about $209 per month.
  5. Quincy Mutual: $2,675 per year, or about $223 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. The Hanover: $612 per year, or about $51 per month.
  2. Safety Insurance: $678 per year, or about $57 per month.
  3. Plymouth Rock: $698 per year, or about $58 per month.
  4. Geico: $734 per year, or about $61 per month.
  5. Preferred Mutual: $759 per year, or about $63 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. The Hanover: $612 per year, or about $51 per month.
  2. Plymouth Rock: $678 per year, or about $56 per month.
  3. Safety Insurance: $678 per year, or about $57 per month.
  4. Geico: $734 per year, or about $61 per month.
  5. Preferred Mutual: $759 per year, or about $63 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. Safety Insurance: $678 per year, or about $57 per month.
  2. Geico: $734 per year, or about $61 per month.
  3. Preferred Mutual: $759 per year, or about $63 per month.
  4. Plymouth Rock: $788 per year, or about $66 per month.
  5. Quincy Mutual: $855 per year, or about $71 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. Preferred Mutual: $759 per year, or about $63 per month.
  2. Plymouth Rock: $838 per year, or about $70 per month.
  3. Safety Insurance: $899 per year, or about $75 per month.
  4. Geico: $913 per year, or about $76 per month.
  5. The Hanover: $928 per year, or about $77 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. The Hanover: $773 per year, or about $64 per month.
  2. Plymouth Rock: $829 per year, or about $69 per month.
  3. Geico: $1,015 per year, or about $85 per month.
  4. Preferred Mutual: $1,040 per year, or about $87 per month.
  5. Safety Insurance: $1,229 per year, or about $102 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. Geico: $924 per year, or about $77 per month.
  2. Preferred Mutual: $1,006 per year, or about $84 per month.
  3. Quincy Mutual: $1,141 per year, or about $95 per month.
  4. N&D Group: $1,171 per year, or about $98 per month.
  5. Safety Insurance: $1,176 per year, or about $98 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. Preferred Mutual: $309 per year, or about $26 per month.
  2. Chubb: $330 per year, or about $27 per month.
  3. The Hanover: $353 per year, or about $29 per month.
  4. Quincy Mutual: $355 per year, or about $30 per month.
  5. Vermont Mutual: $394 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. Plymouth Rock: $853 per year, or about $71 per month.
  2. Geico: $924 per year, or about $77 per month.
  3. Preferred Mutual: $1,006 per year, or about $84 per month.
  4. Quincy Mutual: $1,141 per year, or about $95 per month.
  5. N&D Group: $1,171 per year, or about $98 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. Preferred Mutual: $368 per year, or about $31 per month.
  2. Quincy Mutual: $433 per year, or about $36 per month.
  3. Chubb: $464 per year, or about $39 per month.
  4. Geico: $469 per year, or about $39 per month.
  5. Arbella: $486 per year, or about $40 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. Preferred Mutual: $1,226 per year, or about $102 per month.
  2. Geico: $1,325 per year, or about $110 per month.
  3. Arbella: $1,638 per year, or about $137 per month.
  4. Quincy Mutual: $1,670 per year, or about $139 per month.
  5. Plymouth Rock: $1,678 per year, or about $140 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. Progressive: $1,501 per year, or about $125 per month.
  2. Geico: $1,503 per year, or about $125 per month.
  3. Plymouth Rock: $1,710 per year, or about $143 per month.
  4. Preferred Mutual: $2,009 per year, or about $167 per month.
  5. Quincy Mutual: $2,116 per year, or about $176 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. Geico: $875 per year, or about $73 per month.
  2. Preferred Mutual: $1,006 per year, or about $84 per month.
  3. Plymouth Rock: $1,051 per year, or about $88 per month.
  4. N&D Group: $1,083 per year, or about $90 per month.
  5. Quincy Mutual: $1,089 per year, or about $91 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. Preferred Mutual: $309 per year, or about $26 per month.
  2. Chubb: $310 per year, or about $26 per month.
  3. The Hanover: $322 per year, or about $27 per month.
  4. Quincy Mutual: $339 per year, or about $28 per month.
  5. Plymouth Rock: $367 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. Plymouth Rock: $822 per year, or about $69 per month.
  2. Geico: $875 per year, or about $73 per month.
  3. Preferred Mutual: $1,006 per year, or about $84 per month.
  4. N&D Group: $1,083 per year, or about $90 per month.
  5. Quincy Mutual: $1,089 per year, or about $91 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. Preferred Mutual: $371 per year, or about $31 per month.
  2. Quincy Mutual: $417 per year, or about $35 per month.
  3. Chubb: $442 per year, or about $37 per month.
  4. Geico: $463 per year, or about $39 per month.
  5. Arbella: $476 per year, or about $40 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. Preferred Mutual: $1,226 per year, or about $102 per month.
  2. Geico: $1,306 per year, or about $109 per month.
  3. Plymouth Rock: $1,565 per year, or about $130 per month.
  4. Quincy Mutual: $1,591 per year, or about $133 per month.
  5. Arbella: $1,604 per year, or about $134 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. Progressive: $1,377 per year, or about $115 per month.
  2. Geico: $1,501 per year, or about $125 per month.
  3. Plymouth Rock: $1,635 per year, or about $136 per month.
  4. Preferred Mutual: $2,009 per year, or about $167 per month.
  5. Quincy Mutual: $2,014 per year, or about $168 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. Geico: $811 per year, or about $68 per month.
  2. Plymouth Rock: $956 per year, or about $80 per month.
  3. Main Street America: $994 per year, or about $83 per month.
  4. N&D Group: $998 per year, or about $83 per month.
  5. Preferred Mutual: $1,006 per year, or about $84 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. The Hanover: $291 per year, or about $24 per month.
  2. Preferred Mutual: $309 per year, or about $26 per month.
  3. Chubb: $310 per year, or about $26 per month.
  4. Quincy Mutual: $329 per year, or about $27 per month.
  5. Plymouth Rock: $336 per year, or about $28 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. Plymouth Rock: $786 per year, or about $65 per month.
  2. Geico: $811 per year, or about $68 per month.
  3. Main Street America: $994 per year, or about $83 per month.
  4. N&D Group: $998 per year, or about $83 per month.
  5. Preferred Mutual: $1,006 per year, or about $84 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. Preferred Mutual: $371 per year, or about $31 per month.
  2. Quincy Mutual: $404 per year, or about $34 per month.
  3. Chubb: $442 per year, or about $37 per month.
  4. Geico: $450 per year, or about $38 per month.
  5. Safety Insurance: $460 per year, or about $38 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. Preferred Mutual: $1,226 per year, or about $102 per month.
  2. Geico: $1,259 per year, or about $105 per month.
  3. Main Street America: $1,480 per year, or about $123 per month.
  4. Plymouth Rock: $1,487 per year, or about $124 per month.
  5. Quincy Mutual: $1,543 per year, or about $129 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. Progressive: $1,301 per year, or about $108 per month.
  2. Geico: $1,465 per year, or about $122 per month.
  3. Plymouth Rock: $1,550 per year, or about $129 per month.
  4. Main Street America: $1,836 per year, or about $153 per month.
  5. Quincy Mutual: $1,953 per year, or about $163 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. Geico: $786 per year, or about $65 per month.
  2. Main Street America: $872 per year, or about $73 per month.
  3. Plymouth Rock: $915 per year, or about $76 per month.
  4. Preferred Mutual: $1,006 per year, or about $84 per month.
  5. N&D Group: $1,034 per year, or about $86 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. The Hanover: $297 per year, or about $25 per month.
  2. Preferred Mutual: $309 per year, or about $26 per month.
  3. Chubb: $310 per year, or about $26 per month.
  4. Quincy Mutual: $326 per year, or about $27 per month.
  5. Plymouth Rock: $329 per year, or about $27 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. Plymouth Rock: $760 per year, or about $63 per month.
  2. Geico: $786 per year, or about $65 per month.
  3. Main Street America: $872 per year, or about $73 per month.
  4. Preferred Mutual: $1,006 per year, or about $84 per month.
  5. N&D Group: $1,034 per year, or about $86 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. Preferred Mutual: $371 per year, or about $31 per month.
  2. Quincy Mutual: $400 per year, or about $33 per month.
  3. Geico: $439 per year, or about $37 per month.
  4. Chubb: $442 per year, or about $37 per month.
  5. Safety Insurance: $454 per year, or about $38 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. Preferred Mutual: $1,226 per year, or about $102 per month.
  2. Geico: $1,233 per year, or about $103 per month.
  3. Main Street America: $1,301 per year, or about $108 per month.
  4. Plymouth Rock: $1,474 per year, or about $123 per month.
  5. Quincy Mutual: $1,525 per year, or about $127 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. Progressive: $1,306 per year, or about $109 per month.
  2. Geico: $1,455 per year, or about $121 per month.
  3. Plymouth Rock: $1,543 per year, or about $129 per month.
  4. Main Street America: $1,613 per year, or about $134 per month.
  5. Quincy Mutual: $1,930 per year, or about $161 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. Geico: $645 per year, or about $54 per month.
  2. Safety Insurance: $755 per year, or about $63 per month.
  3. Preferred Mutual: $798 per year, or about $66 per month.
  4. Main Street America: $872 per year, or about $73 per month.
  5. N&D Group: $911 per year, or about $76 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. Chubb: $246 per year, or about $21 per month.
  2. Preferred Mutual: $249 per year, or about $21 per month.
  3. The Hanover: $269 per year, or about $22 per month.
  4. Safety Insurance: $270 per year, or about $23 per month.
  5. Quincy Mutual: $309 per year, or about $26 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. Geico: $645 per year, or about $54 per month.
  2. Safety Insurance: $755 per year, or about $63 per month.
  3. Preferred Mutual: $798 per year, or about $66 per month.
  4. Plymouth Rock: $802 per year, or about $67 per month.
  5. Main Street America: $872 per year, or about $73 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. Preferred Mutual: $298 per year, or about $25 per month.
  2. Safety Insurance: $328 per year, or about $27 per month.
  3. Chubb: $349 per year, or about $29 per month.
  4. Geico: $378 per year, or about $32 per month.
  5. Arbella: $378 per year, or about $32 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. Preferred Mutual: $975 per year, or about $81 per month.
  2. Geico: $1,027 per year, or about $86 per month.
  3. Arbella: $1,271 per year, or about $106 per month.
  4. Main Street America: $1,286 per year, or about $107 per month.
  5. Quincy Mutual: $1,448 per year, or about $121 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. Geico: $1,230 per year, or about $102 per month.
  2. Progressive: $1,339 per year, or about $112 per month.
  3. Main Street America: $1,595 per year, or about $133 per month.
  4. Preferred Mutual: $1,603 per year, or about $134 per month.
  5. The Hanover: $1,750 per year, or about $146 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 59 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 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 2020 Toyota Camry L 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.

  • 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.

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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