Cheap Car Insurance in Massachusetts

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Finding cheap car insurance in Massachusetts

Looking for cheap car insurance in Massachusetts? Because rates can vary considerably by company, it's important to compare prices in Massachusetts. You can potentially save hundreds of dollars a year just by comparison shopping.

We looked at premiums reported by EverQuote users in Massachusetts for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one vehicle.

(Click to see reviews)
Average monthly premium
AAA Insurance $123
Arbella $124.50
Mapfre Insurance $129
USAA $132
Travelers $132
Commerce Insurance $138
Amica $138
Allstate $141
Safeco $144
Plymouth Rock Assurance $147.50
Geico $150
Liberty Mutual $153
Esurance $159
MetLife $159.50
Progressive $173
Source: EverQuote. See full methodology below.

The best way to find a good deal is to get quotes from multiple companies. Also keep in mind that the cheapest car insurance company in Massachusetts for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims.

Massachusetts car insurance rates after accidents & speeding tickets

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Massachusetts who had an accident or speeding ticket on their records compared to those with clean records. Average rate differences were over 40%.

On driving record Average monthly premium difference vs. clean record in Massachusetts
Speeding ticket 46%
Accident 44%
Source: EverQuote. See full methodology below.

Even if you have a poor driving record, you can potentially find a better rate by shopping around.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Massachusetts drivers are speeding and using their phones while driving.

Massachusetts car insurance rates by city

We also analyzed Massachusetts car insurance rates reported by EverQuote users in various cities. Drivers in Somerville reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Somerville $132
Cambridge $133.50
Lowell $149
Quincy $151
Worcester $155
New Bedford $155.50
Fall River $156.50
Springfield $165
Boston $174
Lawrence $180
Malden $180
Lynn $185
Brockton $201
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Massachusetts

  • Ask your insurance agent to review all possible car insurance discounts.
  • Find out how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Avoid sports cars and other vehicles that are expensive to insure. See these cheapest cars to insure.
  • Buy your auto and homeowners (or renters) insurance from the same company for a "bundling" discount.

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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