Vermont Mutual offers the cheapest minimum coverage in Massachusetts, with an average rate of $26 per month according to NerdWallet's June 2025 analysis. The cheapest company for full coverage in Massachusetts is GEICO, with an average monthly rate of $96.
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.
Our insurance Nerds did the research for you to find the cheapest car insurance companies in Massachusetts. We broke it down into common categories (like age and driving record) so you can find the rate that fits you best.
Did your rates go up? Auto insurance prices are on the rise in Massachusetts. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
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Who has the cheapest liability coverage in Massachusetts?
Below is the cheapest car insurance in Massachusetts for the minimum liability coverage required by the state, based on NerdWallet’s June 2025 analysis. Monthly rates are based on a 35-year-old driver with good credit and a clean driving history.
⚠️ Know the risks: A liability-only policy saves money in the short term, but it leaves you financially vulnerable if you’re in a serious accident. Consider full coverage if you can afford it. NerdWallet’s list of cheap full coverage insurance can help you find the best price.
Who has the cheapest full coverage in Massachusetts?
Below is the cheapest car insurance in Massachusetts for full coverage, based on NerdWallet’s June 2025 analysis. Monthly rates are based on a 35-year-old driver with good credit and a clean driving history.
Cheap car insurance in Boston
Live in Beantown and need affordable coverage? Check out NerdWallet's guide to the cheapest car insurance in Boston.
Your ZIP code affects your car insurance bill. In general, cities see more vandalism, theft and accidents than small towns — so urban drivers should expect to pay more for insurance than folks in rural areas.
- 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 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 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 | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $1,925 | $160 |
| Plymouth Rock | $2,791 | $233 |
| Safety Insurance | $2,971 | $248 |
| Preferred Mutual | $3,243 | $270 |
| Quincy Mutual | $3,293 | $274 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Safety Insurance | $557 | $46 |
| GEICO | $633 | $53 |
| The Hanover | $635 | $53 |
| Vermont Mutual | $721 | $60 |
| Preferred Mutual | $920 | $77 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $1,036 | $86 |
| Plymouth Rock | $1,273 | $106 |
| Safety Insurance | $1,303 | $109 |
| Progressive | $1,311 | $109 |
| Preferred Mutual | $1,327 | $111 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Vermont Mutual | $279 | $23 |
| The Hanover | $303 | $25 |
| Safety Insurance | $316 | $26 |
| Preferred Mutual | $332 | $28 |
| GEICO | $349 | $29 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| GEICO | $815 | $68 |
| N&D Group | $1,002 | $84 |
| Preferred Mutual | $1,052 | $88 |
| Safety Insurance | $1,239 | $103 |
| Progressive | $1,323 | $110 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Vermont Mutual | $251 | $21 |
| Preferred Mutual | $266 | $22 |
| The Hanover | $281 | $23 |
| GEICO | $291 | $24 |
| Safety Insurance | $310 | $26 |
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 June 2025 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 | Median annual rate | Median monthly rate |
|---|---|---|
| Preferred Mutual | $397 | $33 |
| Vermont Mutual | $411 | $34 |
| Safety Insurance | $412 | $34 |
| GEICO | $415 | $35 |
| The Hanover | $586 | $49 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| Preferred Mutual | $397 | $33 |
| GEICO | $556 | $46 |
| Vermont Mutual | $594 | $50 |
| Safety Insurance | $626 | $52 |
| The Hanover | $633 | $53 |
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 | Median annual rate | Median monthly rate |
|---|---|---|
| The Hanover | $481 | $40 |
| GEICO | $634 | $53 |
| Preferred Mutual | $687 | $57 |
| Vermont Mutual | $716 | $60 |
| Progressive | $774 | $65 |
» MORE: Getting an SR22 in Massachusetts
Cheapest car insurance for military families in Massachusetts
USAA
USAA offers insurance to active military, veterans and their families only.- High customer satisfaction ratings.
- One-stop shop for insurance as well as banking and investing products.
- Policies available in all states and Washington, D.C.
- Available to active military, veterans and their families only.
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 five auto insurance options for 55 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.
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.
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 2022 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.
