Best car insurance companies in Massachusetts: State Farm

State Farm is the best car insurance company in Massachusetts, based on an analysis by Insurance.com, with an overall rating of 3.5. Safety Insurance, Geico, Arbella Insurance, and Amica Mutual are some of the top car insurance companies in Massachusetts.

Below is a full list of the top Massachusetts auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.

CompanyAM BestJD PowerNAICInsurance.com scoreAverage annual premium
State FarmA++8290.73.5$689
Safety InsuranceA8140.313.15$1,517
GeicoA++8360.913.09$1,269
Arbella InsuranceA7990.272.96$1,708
Amica MutualA+8330.612.96$2,052
TravelersA++7820.492.88$2,274
Plymouth Rock AssuranceA-7950.452.83$1,409
ProgressiveA+8020.652.73$2,016
FarmersA8210.82.59$1,966
AllstateA+8160.652.45$2,694

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Massachusetts: State Farm

Based on a rate analysis by Insurance.com, State Farm offers the cheapest full coverage car insurance in Massachusetts, with average rates of $689 annually or $57 a month. Additionally, State Farm provides the cheapest liability car insurance and state minimum car insurance in Massachusetts, averaging $273 and $210 per year, respectively.

Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.

We have gathered car insurance quotes in Massachusetts from all the major providers and put together a list of the cheapest car insurance companies.

CompanyState minimum liability50/100/50 liability100/300/100 liability with $500 deductible
State Farm$210$273$689
Geico$453$559$1,269
Plymouth Rock Assurance$344$452$1,409
USAA$368$456$1,442
Safety Insurance$332$576$1,517
Arbella Insurance$617$799$1,708
Farmers$492$683$1,966
Progressive$789$888$2,016
Amica Mutual$627$785$2,052
Travelers$721$881$2,274
Allstate$678$865$2,694

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Average cost of car insurance in Massachusetts

The average cost of car insurance in Massachusetts is $1,726 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Massachusetts is $511.

Auto insurance calculator

Average auto insurance rates in Massachusetts
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
2150 - Chelsea
For a 30-year-old male
$65 State minimum
$238 Full coverage
$84 Liability only

Most & least expensive ZIP codes for auto insurance in Massachusetts

Most Expensive

ZIP codeCityHighest rate
02119Roxbury$253
02121Dorchester$247
02120Roxbury Crossing$242
02302Brockton$241

Least Expensive

ZIP codeCityLowest rate
13300Ashfield$119
13440Erving$119
13540Gill$119
13600Northfield$119
Data updated in 2024
Read our full methodology

Massachusetts car insurance requirements

Massachusetts minimum car insurance coverage limits are 20/40/5. Massachusetts's state minimum liability insurance costs an average of $511 annually or $43 monthly.

Minimum liability insurance requirements for Massachusetts:

  • Bodily injury liability (BI): $20,000 per person $40,000 per accident
  • Property damage liability (PD): $5,000 per person
  • Personal injury protection (PIP): $8,000 per person
  • Uninsured/underinsured motorist bodily injury coverage: $20,000 per person $40,000 per accident

Cheapest car insurance companies for minimum liability coverage in Massachusetts

According to Insurance.com, State Farm provides the cheapest state minimum liability insurance, averaging $210 annually or $17 monthly.  

In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Massachusetts.

State minimum auto insurance coverage in Massachusetts, MA
Company Liability insurance premiumMonthly liability insurance premium
State Farm$210$17
Safety Insurance$332$28
Plymouth Rock Assurance$344$29
USAA*$368$31
Geico$453$38
Farmers$492$41
Arbella Insurance$617$51
Amica Mutual$637$53
Allstate$704$59
Travelers$721$60
Progressive$789$66

*USAA offers coverage only to military veterans and their family

Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Massachusetts by age

company_name
Cheapest for teens
$1,989/yr
Learn more
company_name
Cheapest for adults
$689/yr
Learn more
company_name
Cheapest for seniors
$523/yr
Learn more

In Massachusetts, car insurance rates are higher for teenagers as they are more likely to have be involved in accidents.

State Farm offers the cheapest car insurance for teen drivers in Massachusetts at $1,989 per year for a full coverage policy.

Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults. 

In Massachusetts, State Farm offers the cheapest full coverage auto insurance for adult and senior drivers at $689 per year and $523 per year, respectively.  

Compare car insurance rates by age

Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.

Age group
Teen
Age
16
Table
Graph
State Farm$2,198$183
Geico$4,474$373
Plymouth Rock Assurance$5,070$423
Arbella Insurance$5,684$474
Travelers$5,780$482
USAA$6,087$507
Amica Mutual$6,268$522
Progressive$9,484$790
Safety Insurance$10,296$858
Allstate$12,546$1,046
Farmers$12,834$1,070
Yearly premium

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Massachusetts by driver profile

company_name
Cheapest for at-fault accident
$1,037/yr
Learn more
company_name
Cheapest for DUI
$1,257/yr
Learn more
company_name
Cheapest for speeding ticket
$785/yr
Learn more

Drivers who have accidents or tickets are considered a higher risk and will pay more for auto insurance. In Massachusetts, State Farm offers the cheapest car insurance rates for drivers with an accident, at $1,037 per year. However, the severity and frequency of the incidents will impact how much insurance rates increase.

State Farm also offers the cheapest auto insurance for drivers with a speeding ticket at $785per year.

Below are average Massachusetts auto insurance rates by company for drivers with accidents and tickets on their driving record. 

CompanyClean recordAccidentSpeeding ticket
State Farm$689$1,037$785
Geico$1,269$1,890$1,419
USAA$1,442$2,096$1,676
Arbella Insurance$1,708$1,937$1,708
Safety Insurance$1,517$2,604$1,889
Farmers$1,966$3,760$2,454
Allstate$2,694$4,439$2,694
Progressive$2,016$3,072$2,699
Travelers$2,274$3,546$3,285

*USAA offers car insurance only to military members, veterans and their families.

Data updated in 2024
Read our full methodology

Compare auto insurance rates by city in Massachusetts

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Massachusetts.

CityAnnual insurance premium
Boston
$2,103
Worcester
$2,198
Data updated in 2024
Read our full methodology

Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.

That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Massachusetts have increased or decreased from 2020 to 2023.

Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets: 

Accidents: 

  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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