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.
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Please enter a valid zip codeNerdWallet researched rates from the 10 largest auto insurance companies in the Bay State for several driver types.
Cheapest for good drivers
Plymouth Rock comes in cheapest for drivers with clean records in Massachusetts, at $52 per month, on average. Mapfre and Safety round out the list of cheapest carriers for good drivers.
Insurer | Average price |
---|---|
* Plymouth Rock and Safety are not rated because there isn't enough data to compare them to larger companies. | |
![]() NerdWallet rating: *Not rated | $624/year $52/month |
![]() | $949/year $79/month |
![]() NerdWallet rating: *Not rated | $1,033/year $86/month |
Cheapest for drivers with one at-fault crash
For Massachusetts drivers with a recent wreck, Plymouth Rock was the cheapest carrier we saw, at $94 per month, on average. Mapfre and Arbella come in second and third, respectively, and far below their competitors — six of 10 carriers had average rates of $200 or more per month.
Insurer | Average price |
---|---|
* Plymouth Rock and Arbella are not rated because there isn't enough data to compare them to larger companies. | |
![]() NerdWallet rating: *Not rated | $1,129/year $94/month |
![]() | $1,447/year $121/month |
![]() NerdWallet rating: *Not rated | $1,562/year $130/month |
Cheapest for low-mileage drivers
Plymouth Rock was cheapest for low-mileage drivers in Massachusetts, at an average rate identical to its price for good drivers, $52 per month. Mapfre and Safety also make the list, giving lower rates to folks who drive less.
Insurer | Average price |
---|---|
* Plymouth Rock and Safety are not rated because there isn't enough data to compare them to larger companies. | |
![]() NerdWallet rating: *Not rated | $624/year $52/month |
![]() | $881/year $73/month |
![]() NerdWallet rating: *Not rated | $912/year $76/month |
Cheapest for minimum coverage
Plymouth Rock has the cheapest minimum coverage auto insurance we found in Massachusetts, at just $22 per month, on average. The Hanover and MetLife both come in under $40 per month, on average, rounding out the cheapest three.
Insurer | Average price |
---|---|
* Plymouth Rock is not rated because there isn't enough data to compare it to larger companies. | |
![]() NerdWallet rating: *Not rated | $267/year $22/month |
![]() | $350/year $29/month |
![]() | $470/year $39/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.
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 car insurance in Massachusetts, use NerdWallet’s rate 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.
Here’s a summary of where you’ll find the cheapest insurance in Massachusetts, by category:
2019 Cheapest car insurance in Massachusetts
Category | Cheapest option |
---|---|
Good drivers | Plymouth Rock Assurance |
Drivers with one at-fault accident | Plymouth Rock Assurance |
Low-mileage drivers | Plymouth Rock Assurance |
Minimum coverage | Plymouth Rock Assurance |