Car insurance rates are rising in the USA. Massachusetts is not immune. A law banning all cellphone use while driving goes into effect in the state as of April 1st, 2019. This means that Massachusetts drivers will face steep fines for talking on a cellphone or texting while driving, and they will see their insurance rates rise upon their third violation. The new law notwithstanding, rates vary widely throughout the state based on the insurer, city/county, age, driving history, type of vehicle, and even credit score. Who has the best cheap car insurance in Massachusetts?

Here’s how to find cheap car insurance Massachusetts. Image by David Mark from Pixabay

Best Cheap Auto Insurance Massachusetts

To get a clearer idea of how auto insurance works and how to find the best car insurance companies in Massachusetts, let’s first take a look at how Massachusetts state law regulates drivers, their insurance, and their vehicles.

Car Insurance Laws for Massachusetts

According to the Massachusetts State Government website, drivers must abide by the following regulations:

  • The state of Massachusetts requires drivers to maintain minimum liability insurance, up to the following amounts:
    • $20,000 for bodily injury per person, per accident
    • $40,000 for bodily injury for all injured parties, per accident
    • $5,000 for property damage
    • $8,000 for personal injury protection (PIP)
  • Massachusetts PIP coverage can be divided into two categories: policyholder only and household. The former only covers injuries to the policyholder, while the latter covers injuries to both the policyholder and other household members.
  • Drivers in Massachusetts are required to obtain at least the minimum auto insurance, and carry proof of insurance in their vehicle.

How Auto Insurance Rates are Determined in Massachusetts

As of the latest data, good drivers in Massachusetts pay an average of $1,392 annually for auto insurance or about $116 per month. Rates vary by insurance provider, location, insurance type, and the level of coverage. However, these rates are also highly dependent on drivers. When an insurance provider is calculating your rates, they will look at the following factors:

  • Location – Generally, if you live, commute, or work in an urban area (like Boston, Springfield, or Worcester), your rates will be higher, as accidents are more prevalent in densely-populated regions. However, other location-based factors are important, too, like adverse weather conditions and reports of vandalism.
  • Age – Statistically, younger drivers get in more accidents. This means that the younger you are, the more you will need to pay in insurance premiums. The average age in Massachusetts is 40, which is about two years older than the national average.
  • Gender – Men are more likely than women to get in accidents, so your gender could impact your auto rates as well.
  • Marital Status – Typically, married couples take fewer risks than their single counterparts, and this holds true for driving. Married couples get in fewer accidents, and therefore pose a smaller risk for insurance providers.
  • Driving Experience – While this metric is similar to age, it is still slightly different. Usually, the older you are, the longer you have been driving, but that is not always true. Nonetheless, people who have held a driver’s license for longer are more experienced, and therefore pay lower premiums.
  • Driving Record – A driver’s record is one of the most important factors that insurance providers consider. If you have a history of frequent speeding tickets, DUIs, or other infractions, you will have to pay more.
  • Claims Record – It is also important to consider how many claims you have made to insurance providers in the past (if any). At-fault claims will cause your premiums to rise, while not-at-fault collisions will generally have no impact on your rates.
  • Previous Insurance Coverage – If you have maintained auto insurance without any gaps, your new insurance provider will see this as a good sign. However, if you went for several years, months, or even days without any insurance, you will be seen as high-risk.
  • Vehicle Type – Certain cars are driven differently, which means that certain cars are more prone to accidents. Some cars are also more prone to theft or vandalism.
  • Use of Vehicle – When you exclusively use your vehicle for personal use, you are less likely to get in an accident. However, if you take long business trips or frequently drive for your work, you increase your chances of a collision.
  • Annual Mileage – How much you drive directly impacts your chances of getting in an accident. No matter how you use your vehicle (personal or business use), if you put a lot of mileage on your car, you are more likely to file a claim with your insurance provider.
  • Number of Policies – Finally, the type of insurance you want/need will help determine your rates. The more policies you have (liability, comprehensive, uninsured motorist, etc.), the more you will need to pay.

Who are the Cheapest Car Insurance Companies for Massachusetts?

When looking at rates across the entire state, there are 4 major insurance companies that consistently provide low rates for good drivers. Additionally, there are several other companies that provide low rates in certain cities and counties but do not consistently provide low rates statewide. Let’s examine some of the lowest auto insurance rates as well as some cheap car insurance Massachusetts companies:

Provider Annual Rate Monthly Rate
Arbella $652 $54
Safety $673 $56
Hanover $693 $58
Plymouth Rock $780 $65

It is important to note that the table above shows the average rates for the minimum coverage required by the state of Massachusetts. For liability, collision, and comprehensive coverage, the rates are significantly higher:

Provider Annual Rate Monthly Rate
Safety $1,207 $100
Arbella $1,351 $112
Hanover $1,511 $126
Plymouth Rock $1,549 $129

These are approximate rates based on statewide polling for 40-year-old men and women with good driving records. Naturally, individual rates will vary. Additionally, insurers like Geico, Progressive, and MetLife provide low rates for certain areas and applicants. Now let’s see how they vary by city.

Cheapest Auto Insurance Massachusetts Rates by City

Aside from your driving history, your location is one of the most important factors when calculating the cost of your auto insurance. Population, crime rates, weather conditions, and the cost of living can all affect the amount you pay each year. Individuals who live and work in rural areas typically have the lowest rates, however, the majority of Massachusetts residents live in urban or suburban areas, where rates tend to increase.

The table below shows the average yearly auto insurance rates for 40 of the most populated cities in Massachusetts, in alphabetical order. These are approximate rates based on statewide polling for 40-year-old men and women with good driving records.

City Average Yearly Rate
Amesbury City $1,330
Attleboro $1,109
Beverly $1,226
Boston $1,642
Brockton $1,671
Cambridge $1,310
Chelsea $1,853
Chicopee $1,365
Everett $1,734
Framingham $1,217
Franklin $1,140
Gardner $1,196
Gloucester $1,266
Haverhill $1,425
Holyoke $1,477
Lawrence $1,517
Leominster $1,288
Lowell $1,390
Lynn $1,863
Malden $1,575
Marlborough $1,119
Medford $1,520
Melrose $1,341
New Bedford $1,634
Newton $1,272
Northampton $1,088
Peabody $1,467
Pittsfield $1,192
Quincy $1,410
Revere $1,855
Salem $1,424
Somerville $1,460
Springfield $1,608
Taunton $1,490
Waltham $1,290
Westfield $1,176
Weymouth $1,637
Winthrop $1,411
Woburn $1,375
Worcester $1,746


Now, let’s take a closer look at the top-5 largest cities in Massachusetts and compare their respective auto insurance rates:


In Boston, the average annual premium is $1,046 for minimum liability insurance and $1,642 for full auto coverage. Since Boston attracts thousands of tourists every year, the city invests a lot of money in its infrastructure. So, while traffic congestion increases during the summer, the roads are in very good condition, especially compared to other large cities throughout the country.

However, Boston is not known for having good drivers, and accidents occur frequently. As a result, car insurance is higher for Boston drivers than those living and working in other parts of the state.


In Worcester, the average annual premium is $1,092 for minimum liability insurance and $1,746 for full auto coverage. Worcester has some of the highest auto insurance premiums in the state. Even though its population and cost of living are significantly lower than Boston, Worcester has major problems with traffic congestion and road quality.

Additionally, like much of the state, Worcester has to deal with a lot of precipitation (both rain and snow) throughout the year, which can make roads slick and dangerous.


In Springfield, the average annual premium is $987 for minimum liability insurance and $1,608 for full auto coverage. Insurance premiums vary somewhat by neighborhood in Springfield. For example, residents in neighborhoods like Brightwood and Forest Park will likely pay more for their car insurance than residents of West Springfield.

Premiums are relatively high throughout the city, due to heavy traffic and frequent rainfall.


In Cambridge, the average annual premium is $882 for minimum liability insurance and $1,310 for full auto coverage. Cambridge has just over 100,000 residents and it does not deal with nearly as much traffic as cities like Boston or Worcester. As a result, auto insurance rates are relatively low in the city.

Additionally, crime rates around Harvard University are low, meaning that vandalism and auto theft are not as common.


In Lowell, the average annual premium is $916 for minimum liability insurance and $1,390 for full auto coverage. Lowell is often considered the cradle of the Industrial Revolution, and many textile mills and factories are still in operation throughout the city.

Much like Cambridge, it has a relatively low population compared to other cities in the state, and traffic congestion is not a daily issue. However, reports of vandalism, car theft, and even DUIs are on the rise in the city. These all contribute to higher auto insurance rates.

Summary of Best Cheap Auto and Car Insurance in Massachusetts

There are variables to consider in the state of Massachusetts, as you can see. Note that the figures provided above are averages based on adults with good driving records, so the exact rates you pay may differ.

Check out our other car insurance guides and resources if you’d like more information. And if you’d like to learn more about the state of Massachusetts, visit the official Massachusetts State Government website.

Matthew Jones