The Cheapest Car Insurance in Massachusetts for 2022

State Farm offers the cheapest car insurance in Massachusetts overall, with an average rate of $41 per month for full coverage.
Jun 8, 2022

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Auto insurance is an important purchase, but finding cheap car insurance in Massachusetts isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Massachusetts is $1,221 per year, or about $102 per month, according to NerdWallet’s analysis. Minimum coverage in Massachusetts is $478 per year on average, but we found you can likely get a cheaper policy. For example, The Hanover offers the cheapest rates in Massachusetts at $293 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: 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 the country 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.

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Cheapest car insurance company overall in Massachusetts

$41/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

$17/month

5.0

NerdWallet rating 

Cheapest for young drivers

$82/month

5.0

NerdWallet rating 

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 13 auto insurers in Massachusetts and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 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.

Cheapest for 20-year-old drivers

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. Plymouth Rock: $1,665 per year, or about $139 per month.

  2. Geico: $1,695 per year, or about $141 per month.

  3. Safety Insurance: $2,176 per year, or about $181 per month.

  4. MetLife: $2,517 per year, or about $210 per month.

  5. Vermont Mutual: $2,625 per year, or about $219 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: $531 per year, or about $44 per month.

  2. Plymouth Rock: $609 per year, or about $51 per month.

  3. Safety Insurance: $680 per year, or about $57 per month.

  4. Geico: $884 per year, or about $74 per month.

  5. Vermont Mutual: $893 per year, or about $74 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. Plymouth Rock: $773 per year, or about $64 per month.

  2. The Hanover: $809 per year, or about $67 per month.

  3. Safety Insurance: $854 per year, or about $71 per month.

  4. N&D Group: $1,121 per year, or about $93 per month.

  5. Vermont Mutual: $1,159 per year, or about $97 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: $670 per year, or about $56 per month.

  2. Plymouth Rock: $766 per year, or about $64 per month.

  3. Geico: $1,220 per year, or about $102 per month.

  4. Vermont Mutual: $1,226 per year, or about $102 per month.

  5. Safety Insurance: $1,324 per year, or about $110 per month.

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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 with clean driving records may get the lowest rates from these companies:

  1. Safety Insurance: $871 per year, or about $73 per month.

  2. Vermont Mutual: $898 per year, or about $75 per month.

  3. Geico: $993 per year, or about $83 per month.

  4. Plymouth Rock: $1,009 per year, or about $84 per month.

  5. N&D Group: $1,015 per year, or about $85 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. The Hanover: $310 per year, or about $26 per month.

  2. Vermont Mutual: $359 per year, or about $30 per month.

  3. Plymouth Rock: $385 per year, or about $32 per month.

  4. Safety Insurance: $412 per year, or about $34 per month.

  5. N&D Group: $425 per year, or about $35 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. N&D Group: $1,283 per year, or about $107 per month.

  2. Plymouth Rock: $1,416 per year, or about $118 per month.

  3. Geico: $1,518 per year, or about $126 per month.

  4. Arbella: $1,860 per year, or about $155 per month.

  5. Main Street America: $1,913 per year, or about $159 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. Plymouth Rock: $1,440 per year, or about $120 per month.

  2. Progressive: $1,580 per year, or about $132 per month.

  3. Geico: $1,615 per year, or about $135 per month.

  4. Allstate: $1,729 per year, or about $144 per month.

  5. The Hanover: $2,109 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. Safety Insurance: $809 per year, or about $67 per month.

  2. Plymouth Rock: $891 per year, or about $74 per month.

  3. Vermont Mutual: $898 per year, or about $75 per month.

  4. N&D Group: $939 per year, or about $78 per month.

  5. Geico: $942 per year, or about $78 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. The Hanover: $280 per year, or about $23 per month.

  2. Plymouth Rock: $326 per year, or about $27 per month.

  3. Vermont Mutual: $359 per year, or about $30 per month.

  4. Safety Insurance: $382 per year, or about $32 per month.

  5. N&D Group: $388 per year, or about $32 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. N&D Group: $1,186 per year, or about $99 per month.

  2. Plymouth Rock: $1,338 per year, or about $112 per month.

  3. Geico: $1,507 per year, or about $126 per month.

  4. Main Street America: $1,704 per year, or about $142 per month.

  5. Arbella: $1,820 per year, or about $152 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. Plymouth Rock: $1,396 per year, or about $116 per month.

  2. Progressive: $1,574 per year, or about $131 per month.

  3. Allstate: $1,615 per year, or about $135 per month.

  4. Geico: $1,615 per year, or about $135 per month.

  5. The Hanover: $1,959 per year, or about $163 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. Safety Insurance: $766 per year, or about $64 per month.

  2. Plymouth Rock: $814 per year, or about $68 per month.

  3. Vermont Mutual: $840 per year, or about $70 per month.

  4. N&D Group: $866 per year, or about $72 per month.

  5. Geico: $874 per year, or about $73 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: $256 per year, or about $21 per month.

  2. Plymouth Rock: $295 per year, or about $25 per month.

  3. Vermont Mutual: $335 per year, or about $28 per month.

  4. Safety Insurance: $360 per year, or about $30 per month.

  5. N&D Group: $362 per year, or about $30 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. N&D Group: $1,094 per year, or about $91 per month.

  2. Plymouth Rock: $1,318 per year, or about $110 per month.

  3. Geico: $1,466 per year, or about $122 per month.

  4. Main Street America: $1,524 per year, or about $127 per month.

  5. Safety Insurance: $1,776 per year, or about $148 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. Plymouth Rock: $1,369 per year, or about $114 per month.

  2. Progressive: $1,489 per year, or about $124 per month.

  3. Geico: $1,584 per year, or about $132 per month.

  4. Allstate: $1,615 per year, or about $135 per month.

  5. The Hanover: $1,842 per year, or about $154 per month.

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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. Safety Insurance: $756 per year, or about $63 per month.

  2. Plymouth Rock: $796 per year, or about $66 per month.

  3. Vermont Mutual: $840 per year, or about $70 per month.

  4. Geico: $847 per year, or about $71 per month.

  5. N&D Group: $898 per year, or about $75 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: $261 per year, or about $22 per month.

  2. Plymouth Rock: $296 per year, or about $25 per month.

  3. Vermont Mutual: $335 per year, or about $28 per month.

  4. Safety Insurance: $353 per year, or about $29 per month.

  5. N&D Group: $382 per year, or about $32 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. N&D Group: $1,135 per year, or about $95 per month.

  2. Main Street America: $1,333 per year, or about $111 per month.

  3. Plymouth Rock: $1,336 per year, or about $111 per month.

  4. Geico: $1,446 per year, or about $120 per month.

  5. Safety Insurance: $1,751 per year, or about $146 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. Plymouth Rock: $1,398 per year, or about $116 per month.

  2. Progressive: $1,436 per year, or about $120 per month.

  3. Geico: $1,575 per year, or about $131 per month.

  4. Allstate: $1,615 per year, or about $135 per month.

  5. Main Street America: $1,651 per year, or about $138 per month.

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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

We looked at 35-year-old drivers to find the cheapest company overall and the cheapest company for minimum coverage. 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.

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