A full coverage auto insurance policy in Massachusetts costs an average of $1,553 a year, but how much you pay varies based on where in the state you live, your driving history, the company, and other personal details.
The best way to make sure you’re finding your most affordable car insurance rates is to shop around and compare quotes before you buy. Policygenius can help you see top options in Massachusetts, so you can be sure you’re choosing the right policy.
Cheapest car insurance companies in Massachusetts
How much you pay for car insurance in Massachusetts depends on factors like your age, driving history, where you live, and what kind of car you drive. But rates can also vary from company to company, which is why it’s so important to shop around and compare quotes before you buy.
Company | Average cost | JD Power Rating |
---|---|---|
USAA | $1,017 | 890 |
GEICO | $1,067 | 874 |
Norfolk & Dedham | $1,116 | -- |
Quincy Mutual | $1,400 | -- |
Amica | $1,411 | -- |
Cheapest car insurance companies by age in Massachusetts
Younger drivers pay more for car insurance, because their inexperience behind the wheel means they’re more likely to get into an accident and need to file a claim. The good news is that prices for young drivers tend to fall over time, and by 25, rates generally level out.
Age | Cheapest company | Average cost |
---|---|---|
16 | USAA | $2,984 |
18 | USAA | $2,256 |
21 | USAA | $1,386 |
25 | USAA | $1,125 |
30 | USAA | $1,042 |
35 | USAA | $1,008 |
45 | USAA | $1,000 |
55 | GEICO | $929 |
60 | GEICO | $933 |
65 | GEICO | $709 |
70 | GEICO | $764 |
Choosing the right car insurance company in Massachusetts
There’s no one right company for every driver, so the best company for you is the one that offers you the coverage you need at the most affordable price. And the best way to find out which company will offer you the cheapest coverage is to compare rates.
Policygenius makes it easy to see what you’ll pay for car insurance coverage from top companies, so you don’t have to worry that you’re missing out on a better deal somewhere else.
Car insurance rates for drivers with driving violations in Massachusetts
The more driving violations on your record, the higher your car insurance rates will be. Speeding tickets, accidents and other moving violations all mean you’ll pay more for car insurance coverage.
Violation | USAA | GEICO | Norfolk & Dedham | Quincy Mutual | Amica |
---|---|---|---|---|---|
At-fault accident | $1,432 | $1,598 | $2,137 | $2,157 | $2,401 |
DUI | $2,491 | $1,820 | $2,668 | $2,762 | $3,137 |
Suspended license | $2,256 | $1,820 | $3,224 | $3,358 | $3,005 |
Open container | $1,783 | $1,218 | $2,573 | $2,634 | $3,005 |
Expired registration | $1,278 | $1,218 | $3,224 | $3,358 | $3,005 |
Driving without lights | $1,101 | $1,218 | $1,170 | $1,436 | $1,768 |
Running a red light | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Following too closely | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Hit and run | $2,727 | $1,820 | $2,573 | $2,634 | $3,005 |
Not-at-fault accident | $1,042 | $1,107 | $1,170 | $1,436 | $1,470 |
Passing a school bus | $1,530 | $1,218 | $1,483 | $1,725 | $1,768 |
Reckless driving | $1,783 | $1,820 | $2,573 | $2,634 | $3,005 |
Speeding | $1,193 | $1,218 | $1,483 | $1,725 | $1,768 |
Cheapest car insurance for drivers with a DUI in Massachusetts
Massachusetts drivers will pay more for car insurance if they get a DUI or DWI. Massachusetts residents pay an average a $1,553 a year for car insurance, but drivers with a DUI on their record pay a higher average rate of $3,035 per year, which is 95% more than the rates for drivers with a clean driving history.
But rates can vary significantly by company, even for drivers with a DUI. We found that GEICO, USAA, and Norfolk & Dedlam have the lowest rates in Massachusetts for drivers with a DUI.
Company | Rates for drivers with DUIs |
---|---|
GEICO | $1,820 |
USAA | $2,491 |
Norfolk & Dedham | $2,668 |
Quincy Mutual | $2,762 |
Amica | $3,137 |
Cheapest car insurance for drivers with a speeding ticket in Massachusetts
Getting a speeding ticket or other moving violation in Massachusetts can also cause your car insurance rates to go up. The average cost of insurance for a driver with a speeding ticket in Massachusetts is $2,063 per year.
Our research shows that USAA, GEICO, and Norfolk & Dedlam offer the lowest rates for drivers with a speeding ticket in Massachusetts.
Company | Rates for drivers with speeding tickets |
---|---|
USAA | $1,193 |
GEICO | $1,218 |
Norfolk & Dedham | $1,483 |
Quincy Mutual | $1,725 |
Amica | $1,768 |
Cheapest car insurance for drivers with bad credit in Massachusetts
Massachusetts is one of a handful of states that does not allow car insurance companies to consider your credit score when calculating rates. That means even if your credit is less-than-perfect, it won't result in you paying more for your insurance.
Car insurance costs in Massachusetts cities
Where in Massachusetts you live will have a big impact on what you’ll pay for car insurance. Drivers on the Cape or in the Pioneer Valley will pay less than drivers in the Boston area, where more cars on the roads means more potential for an accident.
Here’s what drivers pay for coverage in the 10 biggest cities in Massachusetts:
Boston: $1,966
Worcester: $2,035
Springfield: $2,169
Cambridge: $1,684
Lowell: $1,782
Brockton $2,622
New Bedford: $2,003
Quincy: $1,913
Lynn: $2,413
Fall River: $2,016
Buying car insurance in Massachusetts
Massachusetts requires all drivers to have a minimum amount of car insurance, although most drivers need well over the state minimums in order to be fully protected in case of an accident. The minimum amounts of car insurance required in Massachusetts are:
Bodily injury liability coverage per person: $20,000
Bodily injury liability coverage per accident: $40,000
Property damage liability coverage: $5,000
Personal Injury Protection (PIP): $8,000 per person
Uninsured/underinsured motorist coverage: $20,000 per person; $40,000 per incident
Massachusetts is a no-fault state. That means that, after a car accident, drivers must seek reimbursement for related injuries from their own car insurance company, even if the other driver was at fault.
How to get cheap car insurance in Massachusetts
Drive safely: Avoid accidents and driving violations and you’ll keep your rates down. Some carriers also provide discounts for taking defensive driving courses
Compare quotes: Compare rates before you buy to make sure you’re not overpaying
Bundle policies: Get your homeowners and car insurance from the same company and save on both policies
Know your discounts: Find out which discounts you qualify for, like discounts for paying your premiums in full or bundling your policy with homeowners insurance or another auto policy
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