Cheap Car Insurance in Massachusetts 2019
Average Massachusetts car insurance premiums by company
| Company Click to see reviews | Average annual premium |
|---|---|
| State Farm (not taking new customers in Massachusetts) | $1,619 |
| USAA (must have a military affiliation) | $1,687 |
| Travelers Insurance | $1,695 |
| Arbella | $1,731 |
| Amica | $1,792 |
| AAA Insurance/Auto Club | $1,799 |
| Commerce Insurance | $1,804 |
| Safeco | $1,805 |
| MAPFRE | $1,827 |
| Allstate | $1,840 |
| Safeway Insurance | $1,847 |
| MetLife Auto | $1,874 |
| Hanover Insurance | $1,889 |
| Plymouth Rock | $1,907 |
| Liberty Mutual | $1,997 |
| Esurance | $2,019 |
| Progressive Insurance | $2,084 |
Insurance increase after a speeding ticket
Massachusetts drivers who get a speeding ticket end up paying an average insurance increase of 33%, much higher than the nationwide average increase.
| State | Clean driving record | Speeding ticket | % increase |
|---|---|---|---|
| Massachusetts | $1,893/year | $2,519/year | 33% |
| Nationwide average | 26% | ||
Insurance increase after an accident
Massachusetts drivers who cause an accident get an average insurance increase of 36%, the same as the national average increase.
| State | Clean driving record | Chargeable accident, no injury | % increase |
|---|---|---|---|
| Massachusetts | $1,893/year | $2,574/year | 36% |
| Nationwide average | 36% | ||
Average premiums in Massachusetts cities
Brockton drivers pay the most for auto insurance among the Bay State cities we examined.
| City | Average annual premium |
|---|---|
| Attleboro | $1,682 |
| Boston | $2,217 |
| Brighton | $1,801 |
| Brockton | $2,342 |
| Cambridge | $1,828 |
| Chelsea | $2,226 |
| Chicopee | $1,836 |
| Everett | $2,294 |
| Fall River | $2,035 |
| Fitchburg | $1,861 |
| Framingham | $1,848 |
| Haverhill | $1,914 |
| Holyoke | $2,091 |
| Hyde Park | $2,294 |
| Lawrence | $2,193 |
| Leominster | $1,791 |
| Lowell | $2,063 |
| Lynn | $2,244 |
| Malden | $2,138 |
| Marlborough | $1,848 |
| Mattapan | $2,082 |
| Medford | $1,923 |
| Methuen | $2,025 |
| New Bedford | $1,944 |
| Peabody | $1,863 |
| Pittsfield | $1,584 |
| Plymouth | $1,718 |
| Quincy | $1,996 |
| Randolph | $2,224 |
| Revere | $2,213 |
| Salem | $1,850 |
| Somerville | $1,946 |
| Springfield | $2,107 |
| Taunton | $1,999 |
| Waltham | $1,784 |
| Weymouth | $1,897 |
| Woburn | $1,831 |
| Worcester | $2,073 |
You must show an insurance ID card (or other proof of financial responsibility) in Massachusetts when:
- You renew vehicle registration
Penalties for not having Massachusetts auto insurance
- Fine of not less than $500 and not more than $5,000, or imprisonment for not more than one year, or both a fine and imprisonment.
Source: Property Casualty Insurers Association of America
Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.
Updated Aug. 23, 2019