Cheap Car Insurance in Massachusetts 2019

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Cheapest car insurance companies in Massachusetts

Average Massachusetts car insurance premiums by company

Company
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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

Geico

$1,939

Liberty Mutual

$1,997

Esurance

$2,019

Progressive Insurance

$2,084


Average car insurance premiums in Massachusetts by coverage

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


Required car insurance in Massachusetts

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

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