Fact CheckedNerdy takeaways
GEICO has the cheapest car insurance in Massachusetts, with an average rate of $101 per month and $1,209 per year for full coverage.
In Massachusetts, full coverage car insurance costs an average of $154 per month or $1,851 per year for someone with a good driving record.
In Massachusetts your credit score doesn’t affect your insurance rates, though your driving record, age, vehicle and location still do.
The cheapest car insurance in Massachusetts, at a glance
These are median rates from NerdWallet's September 2026 analysis, but your rate will vary based on your personal information, location and insurance provider. Not all companies offer policies in every state.
NerdWallet’s editors analyzed rates for 16 auto insurers in Massachusetts to find which company has the cheapest car insurance for different driving profiles.
Although Liberty Mutual is one of the largest insurers in the country, it’s not included in our analysis because it doesn’t make its rates data public.
For more detailed information about how we found the cheapest car insurance companies in Massachusetts, please check our full methodology at the bottom of this page.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts eliminate outliers and inaccuracies in pricing data. We look at rates from every ZIP code in a state where coverage is offered and data is available. And we change only one variable at a time when comparing rates for different coverage amounts, ages and backgrounds. That means you can easily see how each factor affects pricing.
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Cheapest car insurance in Massachusetts for full coverage
GEICO has the cheapest car insurance in Massachusetts for full coverage, with an average rate of $101 per month or $1,209 per year.
What full coverage is: Full coverage brings together the minimum car insurance required in Massachusetts with the extra protection of comprehensive and collision coverage. Full coverage helps pay for the injuries and damage you cause to others as well as most kinds of damage to your own car, regardless of fault.
Who needs it: You probably need to have full coverage if you drive a lease or you’re paying off an auto loan, since most lenders require it. Once you pay off your car, you could drop full coverage and lower your rates — but we don’t recommend it unless you could afford to replace your car after a crash or theft.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $101 |
| Safety Insurance | 4.2/5 | $108 |
| Preferred Mutual | 4.7/5 | $126 |
| Quincy Mutual | 4.2/5 | $126 |
| Progressive | 4.8/5 | $131 |
More Nerdy Perspective
You might not know that Massachusetts requires some vehicles to go through an inspection before you can insure them with comprehensive and collision coverage. If you’re buying a new car, you may need to plan ahead for this. This particular law doesn’t apply to new vehicles, drivers who are existing customers with an insurance company or in certain cases where an inspection would be a hardship.
You might not know that Massachusetts requires some vehicles to go through an inspection before you can insure them with comprehensive and collision coverage. If you’re buying a new car, you may need to plan ahead for this. This particular law doesn’t apply to new vehicles, drivers who are existing customers with an insurance company or in certain cases where an inspection would be a hardship.
Andrew HurstLead Writer & Licensed Insurance ProCheapest car insurance in Massachusetts for minimum coverage
GEICO has the cheapest car insurance in Massachusetts for minimum coverage, with an average rate of $41 per month or $486 per year.
What minimum coverage is: At a minimum, Massachusetts requires every driver to have insurance that covers the injuries and property damage they cause to other people, as well as their own injuries. Minimum coverage also helps pay for damages caused by uninsured drivers.
Who needs it: All drivers need a certain amount of car insurance to drive legally in Massachusetts or they risk a fine, imprisonment and a suspended license . We recommend having more than minimum coverage if you can afford it. A bare-bones policy provides some coverage, but a serious crash would likely leave you responsible for expensive medical bills and repair costs.
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $41 |
| Quincy Mutual | 4.2/5 | $44 |
| Safety Insurance | 4.2/5 | $44 |
| Preferred Mutual | 4.7/5 | $46 |
| Vermont Mutual | 3.6/5 | $48 |
Massachusetts requires these types of car insurance:
Liability insurance. You’re required to have liability insurance that helps pay for the injuries and property damage that you cause to other people.
Personal injury protection. Also called no-fault insurance, personal injury protection helps pay for your injuries, up to 75% of your lost wages, and other services — up to your policy’s limits.
Uninsured motorist coverage. If you were hit by a driver who doesn’t have insurance to pay for the costs of the damage they caused, your policy’s uninsured motorist coverage would step in .
Massachusetts has lower minimum insurance limits than some states. In a crash a minimum policy would cover up to:
$25,000 of liability coverage for every person you injure.
$50,000 of liability coverage, regardless of the number of people injured.
$30,000 of liability coverage for property damage.
Equal amounts of uninsured motorist coverage.
$8,000 of personal injury protection.
Cheap auto insurance in Massachusetts by age
Skip ahead to see rates for:
Cheapest full coverage 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.
Drivers in Massachusetts with clean driving records may want to consider the following companies, which had the lowest average rates for 20-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $168 |
| Safety Insurance | 4.2/5 | $231 |
| Plymouth Rock | 4.9/5 | $247 |
| Quincy Mutual | 4.2/5 | $285 |
| Arbella | 4.2/5 | $289 |
Cheapest liability 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 for 20-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $69 |
| Safety Insurance | 4.2/5 | $71 |
| The Hanover | 4.4/5 | $92 |
| Quincy Mutual | 4.2/5 | $95 |
| Vermont Mutual | 3.6/5 | $99 |
Cheapest full coverage car insurance in Massachusetts for 50-year-olds
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. 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.
Drivers in Massachusetts with clean driving records may want to get quotes from these insurers, which had the lowest average rates for 50-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $90 |
| Safety Insurance | 4.2/5 | $101 |
| Plymouth Rock | 4.9/5 | $112 |
| Progressive | 4.8/5 | $113 |
| Preferred Mutual | 4.7/5 | $121 |
Cheapest liability 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 for 50-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $38 |
| Quincy Mutual | 4.2/5 | $42 |
| Safety Insurance | 4.2/5 | $42 |
| Vermont Mutual | 3.6/5 | $43 |
| Preferred Mutual | 4.7/5 | $44 |
Cheapest full coverage car insurance in Massachusetts for 70-year-olds
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 — and ask about available senior discounts.
Some insurers offer savings if you complete a defensive driving course from an approved provider. Courses are easy to find online through groups like AAA, AARP and the National Safety Council. Some classes can be completed 100% online.
Drivers in Massachusetts with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates for 70-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $71 |
| Safety Insurance | 4.2/5 | $83 |
| Preferred Mutual | 4.7/5 | $98 |
| N&D Group | 3.8/5 | $109 |
| Progressive | 4.8/5 | $115 |
Cheapest liability 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 for 70-year-olds:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $32 |
| Safety Insurance | 4.2/5 | $35 |
| Preferred Mutual | 4.7/5 | $36 |
| Vermont Mutual | 3.6/5 | $38 |
| Chubb | 4.0/5 | $40 |
Cheapest car insurance in Massachusetts by driving record
We’re not pointing any fingers, but Massachusetts drivers have a reputation for aggressive driving. And with more cars on the road, enforcement is on the rise: Bay State drivers received 40% more traffic violations in 2023 compared to 2020, reports the state’s Merit Rating Board.
Having a driving violation on your record is likely to increase your car insurance premium. How much more you’ll pay depends on the type of violation, your car insurance carrier and your other personal characteristics. If you have multiple violations on your record, consider looking into the best high-risk car insurance companies.
In our September 2026 analysis, NerdWallet found the companies offering the lowest car insurance rates for 35-year-old Massachusetts drivers with different driving records.
Cheapest car insurance in Massachusetts after a speeding ticket
For Massachusetts drivers with a recent speeding ticket, check out these companies we found with the lowest average rates for liability coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $45 |
| Preferred Mutual | 4.7/5 | $55 |
| Safety Insurance | 4.2/5 | $56 |
| Quincy Mutual | 4.2/5 | $59 |
| Arbella | 4.2/5 | $60 |
Cheapest car insurance in Massachusetts after an accident
For Massachusetts drivers with a recent accident in their driving history, here are the companies with the lowest average rates for liability coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| Preferred Mutual | 4.7/5 | $55 |
| GEICO | 5.0/5 | $60 |
| Arbella | 4.2/5 | $72 |
| Quincy Mutual | 4.2/5 | $75 |
| Safety Insurance | 4.2/5 | $85 |
Cheapest car insurance in Massachusetts after a DUI
For Massachusetts drivers with a recent DUI, here are the companies with the lowest average rates for liability coverage:
| Company | NerdWallet rating | Median monthly rate |
|---|---|---|
| GEICO | 5.0/5 | $69 |
| Progressive | 4.8/5 | $73 |
| The Hanover | 4.4/5 | $76 |
| Plymouth Rock | 4.9/5 | $91 |
| Preferred Mutual | 4.7/5 | $96 |
» MORE: Getting an SR22 in Massachusetts
Cheapest car insurance for military families in Massachusetts
Full coverage
$99 /month
Min. coverage
$30 /month
USAA offers auto insurance to active military, veterans, certain federal employees and their families only.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
More than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
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 whose policies aren't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 62 of the 70 driver profiles we examined.
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.
We nerd out on car insurance
NerdWallet’s editorial team takes pride in providing highly-researched resources that empower our readers to make informed decisions about their car insurance.
Here’s why you can trust NerdWallet:
We do our homework. All of our auto insurance content is diligently fact-checked before publication. Additionally, our editorial team regularly evaluates and reviews many of the auto insurance companies we write about. This means the star ratings you see on our company reviews remain up-to-date.
We analyze the data. NerdWallet updates our published car insurance rate averages once a month. To do that, we rigorously analyze more than 500 million auto insurance rates from across the country provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is solely editorial, and is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.General Laws: Commonwealth of Massachusetts. Section 34J. Accessed Sep 17, 2026.
- 2.Mass Dot Gov. Basics of Auto Insurance. Accessed Sep 17, 2026.
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 2023 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-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.
