Compare car insurance rates in Massachusetts | finder.com

Cheap car insurance in Massachusetts

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

How to get cheap car insurance in Massachusetts

Massachusetts is home to some car insurance laws and requirements that can surprise visitors and residents alike. Despite requiring more comprehensive policies than most states, Massachusetts is still a relatively affordable place to get car insurance, especially if you can shop around and compare your options.

Massachusetts

Car insurance quick facts

20/40/5

Minimum liability requirements

$1,300

Average annual car insurance cost

60

Days to update your license

No-fault state

In no fault states, each driver pays for their own damages in an accident.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Compare car insurance companies in Massachusetts

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All 50 states
Drivers over 50 and AARP members enjoy special car insurance pricing and benefits.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

CompanyDirect premiums written (billions)Market share
MAPFRE$1,257,33223.3%
Geico$686,54812.7%
Liberty Mutual$579,25310.7%
Safety$454,1578.4%
Arbella$415,5967.7%
Plymouth$359,7676.7%
Progressive$255,0154.7%
MetLife$202,2613.7%
Travelers$170,9043.2%
USAA$168,9443.1%

Average car insurance costs in Massachusetts

You might expect a state with such rigorous car insurance requirements to cost you more than anywhere else. But actually most drivers here pay something in the ballpark of the national average: $1,200-1,300 annually. Part of the reason for this is the extremely low rate of uninsured drivers — when everyone pays their share, costs tend to go down.

Cheapest car insurance rates in Massachusetts

Cheap car insurance in Massachusetts

Rates last updated September 1st, 2019
Company Median annual rate Learn more
Progressive $1,201 Read review
Liberty Mutual $1,956 Read review
Allstate $1,313 Read review
Geico $868 Read review
Average $1,335 Compare more reviews

Cheap car insurance in Boston

Rates last updated September 1st, 2019
Company Median annual rate Learn more
Progressive $1,474 Read review
Liberty Mutual $2,601 Read review
Allstate $1,813 Read review
Geico $896 Read review
Average $1,696 Compare more reviews

Which city has the cheapest car insurance in Massachusetts?

Of Massachusetts’s largest cities, Plymouth has the cheapest rates and Malden has the most expensive car insurance rates. Malden drivers could face rates 2 times more than Plymouth drivers.

Car insurance quotes in Malden

CompanyAnnual car insurance rate
Allstate$5189
Progressive$4040
Liberty Mutual$5762
Plymouth Rock$3714
Geico$3496

Car insurance quotes in Medford

CompanyAnnual car insurance rate
Allstate$4484
Progressive$3646
Liberty Mutual$4619
Plymouth Rock$3136
Geico$2812

Car insurance quotes in Plymouth

CompanyAnnual car insurance rate
Allstate$3558
Progressive$2781
Liberty Mutual$3989
Plymouth Rock$3184
Geico$2488

Car insurance quotes in Brockton

CompanyAnnual car insurance rate
Allstate$5151
Progressive$4969
Liberty Mutual$5750
Plymouth Rock$3914
Geico$4767

Car insurance quotes in Peabody

CompanyAnnual car insurance rate
Allstate$4045
Progressive$3323
Liberty Mutual$4224
Plymouth Rock$2853
Geico$2713

Minimum car insurance requirements in Massachusetts

Every driver in the state of Massachusetts is required to carry minimum insurance coverage with the following limits:

  • $20,000 bodily injury liability per person.
  • $40,000 bodily injury liability total per accident.
  • $5,000 property damage liability total per accident.
  • $20,000 uninsured motorist coverage per person.
  • $40,000 uninsured motorist coverage total per accident.
  • $8,000 personal injury protection.

While Massachusetts drivers are required to carry uninsured motorist coverage, underinsured motorist coverage is optional. You may be tempted to look solely at price when deciding on a policy. But by carefully considering coverage limits, you’ll typically get solid coverage — and end up paying less when in the event of a claim.

Get the cheapest quotes

Compare car insurance companies near you.

Your information is secure.

What other coverage can I get in Massachusetts?

Massachusetts drivers can choose to add higher levels of protection in the event of an accident.

  • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, a fire or vandalism.
  • Collision and limited collision. Helps with repairs if your car is damaged in an accident.
  • Gap coverage. If an accident totals a car that you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Rental reimbursement. Helps pay for a rental car if you need one after an accident.
  • Emergency roadside assistance. Provides reimbursement for towing and labor required for your car after an accident.
  • Optional bodily injury (OBI). Helps cover bodily injuries that aren’t covered under required minimums — for example, injuries to passengers, accidents that happen outside the state or even accidents in areas where the public has no right of access.

Roadside assistance in Massachusetts

Many insurers offer roadside assistance as an optional extra, and a few offer it free, typically when you buy collision and comprehensive coverage. Roadside help could come in handy when you’re driving in Mass, since the hilly roads and numerous potholes can do a number on your tires and shocks. The frequent construction to repair road conditions makes it even more likely you’ll hit a pothole, stray nail or misplaced road barrier, or have a run-in with someone swerving to avoid the same road conditions.

Can I get SR-22 insurance in Massachusetts?

Yes, you can. You might need SR-22 insurance in Massachusetts if you’ve been convicted of a DUI or OWI, if you have too many other violation points on your record or if you’ve been caught driving without proper coverage.

Bottom line

When you’re driving in Massachusetts, you’ll run into some of the busiest roadways in the country. The right car insurance coverage is important for your peace of mind. Carefully research your choices to get the best coverage for your family and budget.
To learn more, from laws and regulations to how you can find the best values on coverage, visit our comprehensive guide to car insurance.

Common questions about Massachusetts car insurance

Which car insurance provider is best for me?

Looking to save on car insurance? Answer these three questions to find a provider that best fits your needs and budget.

Question 1 of 2

Based on your answers, check out:

Compare more car insurance companies

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site