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Among Massachusetts's most affordable car insurance providers are State Farm, USAA, and GEICO.
Full-coverage car insurance in Massachusetts averages $145 per month, compared to the national average of $186. Your actual premium depends on several factors, including age, driving history, and where in the state you live. Getting quotes from multiple insurers is the most effective way to find your best rate.
Below, we look at the most affordable car insurance options in Massachusetts by coverage type, driver profile, and insurance company.
Affordable full-coverage car insurance in Massachusetts
Full-coverage insurance in Massachusetts averages $145 monthly, compared to $186 nationally. State Farm, USAA, and GEICO rank among the cheapest car insurance providers available in Massachusetts.
| Average monthly full coverage cost | |
| Massachusetts average | $145 |
| National average | $186 |
| State Farm | $74 |
| USAA | $126 |
| GEICO | $126 |
| Safeco | $165 |
Affordable liability-only car insurance in Massachusetts
State Farm, Safeco, and GEICO offer some of the most affordable liability car insurance providers in Massachusetts.
Liability-only coverage in Massachusetts averages $101 monthly, while the national average is $104.
| Average monthly liability-only cost | |
| Massachusetts average | $101 |
| National average | $104 |
| State Farm | $57 |
| Safeco | $98 |
| GEICO | $97 |
| USAA | $97 |
Cheap car insurance in Massachusetts by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest premiums because of inexperience behind the wheel, averaging $276 monthly for full coverage in Massachusetts.
Rates drop as drivers enter their 20s, averaging $196 per month for full coverage. Drivers in their 30s and 40s see costs around $161 and $151 monthly, respectively.
Premiums may increase again for drivers in their 60s and beyond. Massachusetts seniors pay an average of $112 monthly for full coverage in their 60s and $112 in their 70s.
This variation in rates reflects the different risk levels associated with each group, with younger drivers considered higher risk and older drivers sometimes facing increased rates due to factors like health and changes in driving behavior.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $276 | $192 |
| 20s | $196 | $136 |
| 30s | $161 | $112 |
| 40s | $151 | $105 |
| 50s | $135 | $94 |
| 60s | $112 | $78 |
| 70s | $112 | $78 |
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Cheap car insurance in Massachusetts for high-risk drivers
Drivers with moving violations or accidents on their record face higher insurance premiums. If you've got a bad driving record, here are Massachusetts average costs for drivers with an accident, a speeding ticket, or a DUI.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $207 | $144 |
| Speeding ticket | $190 | $132 |
| DUI | $243 | $169 |
Compare low-cost car insurance after an accident
State Farm, GEICO, and USAA provide affordable car insurance in Massachusetts for drivers with an accident on their record. Full-coverage premiums for drivers with an accident average $207 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $100 | $77 |
| GEICO | $166 | $128 |
| USAA | $172 | $132 |
Average rate:
Compare low-cost car insurance after a speeding ticket
State Farm, USAA, and GEICO provide affordable car insurance in Massachusetts for drivers with a speeding ticket. Full coverage for those with a speeding ticket averages $190 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $94 | $73 |
| USAA | $163 | $126 |
| GEICO | $167 | $128 |
Compare low-cost car insurance after DUI conviction
Massachusetts drivers with a DUI can find affordable full coverage car insurance with State Farm, USAA, and GEICO. Full coverage for drivers with a DUI averages $243 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $116 | $89 |
| USAA | $197 | $152 |
| GEICO | $191 | $147 |
Cheap car insurance in Massachusetts by credit score
Massachusetts drivers with excellent credit pay an average of $133 monthly for full coverage. Drivers with poor credit face significantly higher premiums, starting at $164 per month.
However, Massachusetts is one of a few states that bans using credit scores in the setting of insurance rates, so any correlation in credit score and premium price below is likely related to other, non-credit factors.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $133 | $93 |
| Good | $129 | $90 |
| Average | $144 | $100 |
| Poor | $164 | $114 |
FAQs
Is Massachusetts a no-fault state?
Yes, Massachusetts is one of only 12 no-fault insurance states in the country, which means your own insurance covers your medical expenses after an accident regardless of who caused it. The state also uniquely prohibits insurers from using credit scores, gender, age, or marital status when determining rates, making Massachusetts one of just a few states with credit-based pricing bans.
How does the Massachusetts Automobile Insurance Plan work for high-risk drivers?
The Massachusetts Automobile Insurance Plan operates as the state's assigned risk pool when drivers can't secure coverage in the voluntary market due to poor driving records or other risk factors. All insurance companies operating in Massachusetts must participate in this program and accept a portion of the state's high-risk drivers.
An insurance agent can submit your application to this plan if you have been denied coverage by standard insurers, ensuring that every Massachusetts driver can obtain the legally required insurance even after DUIs, multiple accidents, or serious violations.
Why do car insurance rates vary so much between Massachusetts cities?
Insurance premiums in Massachusetts cities reflect local risk factors including accident frequency, vehicle theft rates, population density, and traffic congestion patterns.
For example, rates in rural areas of the state are much lower than rates in urban neighborhoods like Roxbury in Boston due to narrow streets, higher theft rates, and increased accident likelihood that comes with residing in the city.
Coastal communities also face additional risks from winter storms and other weather events that can damage vehicles, making comprehensive coverage particularly expensive in these regions.
Bottom line
These companies may offer the lowest rates in Massachusetts, but that doesn't guarantee they're the best choice for your specific car insurance needs. Getting quotes from multiple insurance providers and comparing them based on both price and service quality remains the most effective way to find the right company for you.
Check out our list of the best car insurance companies for more options.
Data throughout provided by Insurify.
Average rate:
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