The cost of car insurance in Massachusetts can vary greatly, depending on your driving history, coverage options you choose and the type of car you drive among other factors. The average cost of auto insurance in Massachusetts is $1,528 annually for the profile of a 30-year-old driver.
When comparing quotes from different companies make sure you take the time to do your research so that you know which company provides excellent service at a fair price.
Key takeaways
- The average cost of auto insurance in Massachusetts is $1,528 per year for a 30-year-old driver.
- State Farm is the cheapest car insurance company in Massachusetts that offers full coverage policy at about $647 per year or $54 monthly.
- In Massachusetts, State Farm is the cheapest company for teens, State Farm is the cheapest company for young drivers. On the other hand, State Farm is the cheapest company for adults, and State Farm is the cheapest company for seniors.
- Based on the driving history of a driver in Massachusetts, the cheapest company for drivers with a speeding ticket is State Farm, and State Farm is the cheapest for drivers with DUI.
- Cheapest car insurance companies in Massachusetts
- Cheapest car insurance for teens in Massachusetts
- Cheapest car insurance for young drivers in Massachusetts
- Cheapest car insurance for adults in Massachusetts
- Cheapest car insurance for seniors in Massachusetts
- Cheapest car insurance rates in Massachusetts by driving record
- Average cost of car insurance in Massachusetts
Cheapest car insurance companies in Massachusetts
State Farm is the cheapest car insurance company in Massachusetts that offers full coverage policy at about $647 per year or $54 monthly. We have gathered insurance quotes from major insurance companies and compiled a list of the cheapest auto insurers in Massachusetts.
Following is the list of the cheap auto insurance companies and their average annual and monthly premium.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $647 | $54 |
| USAA | $1,170 | $98 |
| Geico | $1,184 | $99 |
| Safety Insurance | $1,226 | $102 |
| Progressive | $1,653 | $138 |
| Arbella Insurance | $1,696 | $141 |
| American Family | $1,723 | $144 |
| Allstate | $2,195 | $183 |
| Travelers | $2,254 | $188 |
Cheapest car insurance for teens in Massachusetts
State Farm is the cheapest car insurance provider for teen drivers in Massachusetts. It offers insurance at about $1,870 a year. The average price of car insurance for a teenage driver can be more expensive than that for an older or mature driver. This is because they are more likely to be involved in accidents and make claims on their policies, therefore leading to higher insurance premiums.
| Company | Average annual premium |
|---|---|
| State Farm | $1,870 |
| USAA | $3,301 |
| Geico | $3,444 |
| Travelers | $4,650 |
| Safety Insurance | $5,499 |
| Arbella Insurance | $6,147 |
| Progressive | $7,244 |
| Allstate | $8,402 |
| American Family | $9,942 |
Cheapest car insurance for young drivers in Massachusetts
The cheapest car insurance company for young drivers in Massachusetts is State Farm at about $885 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.
| Company | Average annual premium |
|---|---|
| State Farm | $885 |
| Geico | $1,657 |
| USAA | $1,692 |
| Safety Insurance | $1,916 |
| Arbella Insurance | $2,613 |
| American Family | $3,008 |
| Progressive | $3,138 |
| Travelers | $3,192 |
| Allstate | $3,535 |
Cheapest car insurance for adults in Massachusetts
According to Insurance.com's rate analysis, State Farm offers the cheapest car insurance for adults in Massachusetts. Its average rate is $647 annually.
Below are the companies that offer cheap insurance rates for adult drivers in Massachusetts.
| Company | Average annual premium |
|---|---|
| State Farm | $647 |
| Geico | $1,180 |
| USAA | $1,196 |
| Safety Insurance | $1,243 |
| Progressive | $1,646 |
| Arbella Insurance | $1,707 |
| American Family | $1,727 |
| Travelers | $2,215 |
| Allstate | $2,256 |
Cheapest car insurance for seniors in Massachusetts
State Farm offers the cheapest car insurance for seniors in Massachusetts. The average annual premium offered is $531. Senior drivers experience higher insurance rates, but shopping around can help them save hundreds of dollars every year.
Below is the list of companies that offer the cheapest car insurance for seniors in Massachusetts:
| Company | Average annual premium |
|---|---|
| State Farm | $531 |
| Geico | $920 |
| USAA | $1,018 |
| Safety Insurance | $1,067 |
| Arbella Insurance | $1,445 |
| American Family | $1,454 |
| Progressive | $1,580 |
| Allstate | $1,784 |
| Travelers | $2,031 |
Cheapest car insurance rates in Massachusetts by driving record
The insurance rates differ based on your driving record. Having a clean driving record may help you save money on your auto insurance premium. But drivers with a history of speeding tickets, reckless driving or at-fault accident may experience higher insurance rates. This is because they pose greater risk than a driver with a clean driving history in the eyes of an insurer.
Cheapest auto insurance for drivers with a speeding ticket: State Farm
If you have a speeding ticket on your record, State Farm offers the cheapest car insurance at about $2,197 a year. Since all insurance companies calculate rates differently, it is important to get multiple quotes from different companies to get the best deal for yourself.
| Company | Average annual premium |
|---|---|
| State Farm | $872 |
| Geico | $1,509 |
| USAA | $1,571 |
| Progressive | $2,358 |
| Allstate | $2,537 |
| American Family | $3,114 |
| Travelers | $3,415 |
Cheapest auto insurance after an at-fault accident : State Farm
State Farm offers the cheapest car insurance after an at-fault accident. Its average cost for Massachusetts drivers is $2,694 annually. If you are a safe driver with no history of traffic violations, then it is likely that your insurance rates will be lower than those who have an at-fault accident on their record.| Company | Average annual premium |
|---|---|
| State Farm | $1,152 |
| USAA | $1,921 |
| Geico | $2,011 |
| Progressive | $2,761 |
| American Family | $3,114 |
| Travelers | $3,730 |
| Allstate | $4,168 |
Cheapest auto insurance after a DUI : State Farm
If there exists DUI on your driving record, State Farm offers the cheapest auto insurance in Massachusetts at $3,137 per year. To find the best deal, it is required to shop around and compare insurance quotes.
The table below lists the cheapest car insurance companies after DUI in Massachusetts, along with their average annual premium.
| Company | Average annual premium |
|---|---|
| State Farm | $1,391 |
| Progressive | $2,136 |
| Geico | $2,311 |
| USAA | $3,307 |
| Travelers | $3,680 |
| American Family | $3,910 |
| Allstate | $5,222 |
Average cost of car insurance in Massachusetts
The average car insurance rate for full coverage in Massachusetts is $1,528 per year. This rate is for the coverage level of $100,000 for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.
The state minimum average rate in Massachusetts is $534 annually.
