Massachusetts drivers pay an average of $119 per month for car insurance compared to the national average of $144 per month. State Farm and Safeco offer the cheapest car insurance in Massachusetts. The exact amount you’ll pay for car insurance varies based on your unique situation, but comparing quotes is the best way to find cheap rates.

The state had a relatively low number of fatal crashes in 2021, according to data from the Insurance Institute for Highway Safety.1 The U.S. had a fatal crash rate of 12.7 per 100,000 people, while Massachusetts had a lower fatality rate of 6 per 100,000 people. This may partially explain why Massachusetts drivers earn lower average rates than other U.S. drivers.

Here’s what you need to know about finding cheap car insurance in the Bay State.

Cheapest car insurance companies in Massachusetts

Every driver in Massachusetts has a unique profile that affects their car insurance premiums. Since each insurance company has a different method of determining premiums, you’ll likely find a range of rates across different companies.

The right insurance company will vary based on your needs. Shopping around can help you find the best fit for your situation. The table below explores some of the top insurance companies in Massachusetts to help you begin your search.

Best insurer for bundling: Liberty Mutual

Best insurer for discounts: Travelers

Best insurer for cheap rates: Midvale Home & Auto

How to get the cheapest car insurance in Massachusetts

Car insurance companies look at different factors to determine your premiums. Some common factors include your driving record, age, location, credit history, and marital status.

The good news is that you can implement strategies to earn cheaper insurance rates:

• Shop around. Comparing quotes from multiple insurance companies can help you find the best rate for your situation.

• Raise your deductible. Setting a higher deductible typically leads to lower premiums. If you can afford to cover a higher deductible, consider increasing yours.

• Look for a discount. Most insurance companies offer discount opportunities. It never hurts to see if you qualify.5

• Opt for minimum coverage. A liability-only insurance policy is typically the cheapest coverage you can buy. But if you have an accident, you’ll have to pay for your vehicle repairs out of pocket.

Low-cost car insurance in Massachusetts

Massachusetts doesn’t have a state-funded program to provide affordable car insurance for low-income drivers. If you’re looking for cheaper options in Massachusetts, you should consider comparing car insurance quotes between multiple insurance companies and checking for available discounts. That way, you can always be aware of which insurance company is providing the best deals at any given time.

If you’re a driver who can’t find car insurance in Massachusetts, the Massachusetts Auto Insurance Plan can match you to an insurer. The program is for high-risk drivers who can’t find insurance through the voluntary market, not low-income drivers.

Cheapest liability-only car insurance quotes in Massachusetts: State Farm

Liability car insurance includes bodily injury liability and property damage liability coverage. This type of insurance policy kicks in to help you pay for damages or injuries you cause others in an accident. In Massachusetts, minimum coverage includes personal injury protection for your injuries as well.

State Farm offers the cheapest average rates for liability-only car insurance, at $58 per month. The table below shows the average quotes for liability-only policies from insurance companies in Massachusetts.

Cheapest full-coverage car insurance quotes in Massachusetts: State Farm

Full-coverage car insurance policies provide more coverage and financial protection than liability-only policies. On top of liability coverage, a full-coverage policy includes collision and comprehensive coverage. After an incident, this type of policy will help you repair or replace your own vehicle.

If you would struggle to pay for repairs on your own after an accident, you should consider purchasing a full-coverage policy. Some drivers need to carry this type of policy if they lease or finance their vehicle.

In the table below, you can find average quotes for full-coverage policies from the cheapest insurers in Massachusetts.

Car insurance requirements in Massachusetts

Massachusetts requires drivers to carry a minimum amount of insurance to drive on public roadways. In this no-fault state, you must carry personal injury protection (PIP) and uninsured/underinsured motorist coverage in addition to bodily injury and property damage liability coverage.6

Here are the specific minimum car insurance requirements for Massachusetts drivers:

Most people can benefit from purchasing coverage beyond the minimum required insurance. Common optional coverages to consider include:

Cheapest car insurance quotes for drivers in MA with an incident

Having a traffic violation on your record can increase your insurance costs. Insurers view incidents like speeding tickets, driving under the influence charges, and at-fault accidents as indicators of future risk. In general, an insurance company will respond to this increased risk by charging higher insurance premiums.

Massachusetts is one of the most densely populated states in the country. With more people living in tight quarters, traffic congestion can lead to more accidents and higher car insurance rates. On average, Massachusetts drivers with an incident on their record pay $149 per month.

The following sections provide a closer look at how an incident on your driving record can affect your insurance costs.

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

Drivers with a speeding ticket tend to pay more for car insurance than people with a clean driving record. The overall average cost of car insurance in Massachusetts for drivers with a speeding ticket is $159 per month.

Here are the cheapest average quotes for drivers with a speeding ticket on their record.

Cheapest car insurance quotes for drivers with an at-fault accident: State Farm

After an at-fault accident, you’ll often pay more for car insurance. This type of incident may affect your rates more than a single speeding ticket. The severity of the accident — and how much your insurer had to pay out in claims — can influence how much your insurance premium increases upon renewal.

Massachusetts drivers with an at-fault accident pay an average of $170 per month. Below, you can find the cheapest coverage options for drivers in the state.

Cheapest car insurance quotes for drivers with a DUI: State Farm

A DUI is one of the most serious offenses a driver can have. If you get a DUI on your driving record, you’ll likely have to pay significantly higher car insurance premiums. The overall average cost of car insurance for drivers in the state with a past DUI is $192 per month.

Explore average quotes for drivers with a DUI in the table below.

Cheapest car insurance quotes for seniors: State Farm

Your age can affect how much you pay for car insurance. After gaining years of experience behind the wheel, drivers tend to earn lower rates starting around age 35. Though the downward trend in costs continues for decades, seniors often see rates increase around age 70.

The good news is that comparing quotes across multiple insurance companies can help senior drivers find the best car insurance for their situation. On average, Massachusetts senior drivers pay $94 per month for car insurance.

Here are some average car insurance quotes for older drivers from top insurers.

Cheapest car insurance quotes for teens: State Farm

Due to a lack of experience behind the wheel, teen drivers tend to face the highest car insurance rates. Young drivers often face higher rates until age 25 due to the elevated risk they pose for insurance companies.

Teen drivers can keep costs down by maintaining good grades, joining their parents’ insurance policy, committing to safe driving habits, and selecting a higher deductible. Shopping around can also help young drivers find the lowest rates.

The overall average cost of car insurance for teen drivers in Massachusetts is $165 per month. Below are some of the cheapest options for teen drivers in Massachusetts.

Car insurance rates across Massachusetts cities

The city you live in has a big impact on your car insurance rate, because certain cities and ZIP codes may pose a higher risk for car insurance claims than others. The table below shows the average car insurance quote for drivers across various cities in Massachusetts.