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Best Cheap Car Insurance in Massachusetts for 2021

April 30, 2021
Auto Insurance, Insurance
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If you’re looking for cheap car insurance in Massachusetts, comparison shopping is key. Which insurance company has the best price will often vary depending on your situation. NerdWallet researched rates from 18 auto insurance companies in the Bay State for several driver types.

Cheapest Car Insurance Company Overall in Massachusetts
State Farm$48/month
4.5 NerdWallet rating
Cheapest for Minimum Coverage
State Farm$20/month
4.5 NerdWallet rating
Cheapest for Young Drivers
The Hanover$40/month
4.5 NerdWallet rating

 

 

Cheapest car insurance in Massachusetts for 20-year-old drivers

Young drivers may have to get a lot of quotes to find 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. To cut down on costs, young drivers might want to consider buying only state-mandated coverage, rather than full coverage insurance. Still, some companies routinely have lower insurance rates for drivers in their 20s, so it's best to shop around to find them.

Many insurance companies offer ways for young drivers to save, such as good student discounts for those in college or premium reductions for those who take a defensive driving course. If you live in an apartment, consider getting your renters and auto insurance from the same company to take advantage of bundling discounts.

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. State Farm: $1,135 per year.
  2. Geico: $1,660 per year.
  3. Safety Insurance: $2,114 per year.
  4. Plymouth Rock: $2,280 per year.
  5. MetLife: $2,409 per year.

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: $484 per year.
  2. State Farm: $493 per year.
  3. Plymouth Rock: $642 per year.
  4. Safety Insurance: $653 per year.
  5. Geico: $838 per year.

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. State Farm: $598 per year.
  2. The Hanover: $732 per year.
  3. Plymouth Rock: $819 per year.
  4. Safety Insurance: $824 per year.
  5. N&D Group: $978 per year.

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: $612 per year.
  2. State Farm: $668 per year.
  3. Plymouth Rock: $812 per year.
  4. Geico: $1,159 per year.
  5. Vermont Mutual: $1,173 per year.

Cheapest car insurance in Massachusetts for 30-year-old drivers

By the time they reach their 30s, most drivers 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 car insurance discounts. You may be able to save by insuring multiple vehicles with the same carrier, or by bundling your auto policy with your home insurance. Also, keep an eye out for discounts based on your profession or affiliations; some insurers offer more affordable insurance rates for teachers, members of the military or alumni of certain colleges.

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. State Farm: $571 per year.
  2. Safety Insurance: $787 per year.
  3. Vermont Mutual: $868 per year.
  4. Geico: $972 per year.
  5. N&D Group: $1,095 per year.

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. State Farm: $236 per year.
  2. The Hanover: $282 per year.
  3. Vermont Mutual: $342 per year.
  4. Safety Insurance: $362 per year.
  5. Plymouth Rock: $401 per year.

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. State Farm: $866 per year.
  2. N&D Group: $1,384 per year.
  3. Geico: $1,486 per year.
  4. Arbella: $1,720 per year.
  5. Main Street America: $1,841 per year.

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. State Farm: $1,039 per year.
  2. Progressive: $1,545 per year.
  3. Geico: $1,581 per year.
  4. Allstate: $1,637 per year.
  5. Plymouth Rock: $1,967 per year.

Cheapest car insurance in Massachusetts for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts 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.

Ask about discounts for signing up for autopay, paying your premium in full rather than quarterly or monthly, and opting for electronic statements. If you own your home, consider insuring it with the company that provides your auto insurance; most carriers offer bundling discounts.

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. State Farm: $571 per year.
  2. Safety Insurance: $737 per year.
  3. Vermont Mutual: $868 per year.
  4. Geico: $922 per year.
  5. N&D Group: $1,013 per year.

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. State Farm: $236 per year.
  2. The Hanover: $258 per year.
  3. Plymouth Rock: $338 per year.
  4. Safety Insurance: $338 per year.
  5. Vermont Mutual: $342 per year.

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. State Farm: $866 per year.
  2. N&D Group: $1,278 per year.
  3. Geico: $1,476 per year.
  4. Main Street America: $1,640 per year.
  5. Arbella: $1,683 per year.

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. State Farm: $1,039 per year.
  2. Allstate: $1,529 per year.
  3. Progressive: $1,538 per year.
  4. Geico: $1,583 per year.
  5. The Hanover: $1,864 per year.

Cheapest car insurance in Massachusetts for 50-year-old drivers

Drivers in their 50s have, on average, cheaper auto insurance rates than most other age groups. 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 cheapest price you can. Our list of the best cheap car insurance companies is a good place to start.

Some insurers offer senior discounts to policyholders in their 50s, though some may require you to take a defensive driving course to snag the savings. If you’ve been with your insurer for many years, you may qualify for a loyalty discount. Still, it’s a good idea to check with other companies periodically to make sure you’re not paying too much.

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. State Farm: $571 per year.
  2. Safety Insurance: $703 per year.
  3. Vermont Mutual: $812 per year.
  4. Geico: $857 per year.
  5. N&D Group: $945 per year.

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: $234 per year.
  2. State Farm: $236 per year.
  3. Plymouth Rock: $306 per year.
  4. Vermont Mutual: $319 per year.
  5. Safety Insurance: $324 per year.

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. State Farm: $866 per year.
  2. N&D Group: $1,193 per year.
  3. Geico: $1,438 per year.
  4. Main Street America: $1,466 per year.
  5. Arbella: $1,683 per year.

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. State Farm: $1,039 per year.
  2. Progressive: $1,463 per year.
  3. Allstate: $1,529 per year.
  4. Geico: $1,555 per year.
  5. The Hanover: $1,753 per year.

Cheapest car insurance in Massachusetts for 65-year-old drivers

Although 65-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 auto insurance for seniors, drivers in their mid-60s should shop around to find the lowest rate.

Drivers in this age group should also take advantage of any available discounts for senior citizens. For example, some companies will discount your rate if you take a defensive driving course. You may also be able to save money after retirement if you’re driving fewer miles each year.

Finally, consider whether you need all the coverage you currently have. If you’re not commuting to work each day, for instance, you may not need rental reimbursement coverage when your own car is in the shop for repairs.

Cheapest full coverage car insurance in Massachusetts for 65-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. State Farm: $336 per year.
  2. Safety Insurance: $597 per year.
  3. Vermont Mutual: $610 per year.
  4. Geico: $630 per year.
  5. The Hanover: $942 per year.

Cheapest minimum coverage car insurance in Massachusetts for 65-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. State Farm: $136 per year.
  2. The Hanover: $199 per year.
  3. Vermont Mutual: $240 per year.
  4. Safety Insurance: $273 per year.
  5. Plymouth Rock: $323 per year.

Cheapest auto insurance in Massachusetts for 65-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. State Farm: $502 per year.
  2. Geico: $1,086 per year.
  3. Arbella: $1,280 per year.
  4. N&D Group: $1,311 per year.
  5. Vermont Mutual: $1,338 per year.

Cheapest auto insurance in Massachusetts for 65-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. State Farm: $599 per year.
  2. Allstate: $1,148 per year.
  3. Geico: $1,188 per year.
  4. The Hanover: $1,397 per year.
  5. Progressive: $1,443 per year.

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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.