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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 $1,382 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.

Cheapest car insurance companies in Massachusetts

State Farm Mutl Automobile Ins is the cheapest car insurance company in Massachusetts that offers full coverage policy at about $613 per year or $51 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.

CompanyAverage annual premiumAverage monthly premium
State Farm Mutl Automobile Ins$613$51
Government Employees$1,095$91
USAA Casualty$1,154$96
Progressive Direct$1,176$98
NGM$1,582$132
Metropolitan P&C$1,593$133
Standard Fire$1,736$145
Allstate$2,104$175

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 $1,927 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.

CompanyAverage annual premium
State Farm Mut Auto$1,927
Geico Gen$2,937
Arbella Mut$4,768
Safety$5,449
Allstate$6,853
Progressive Direct$8,238

Cheapest car insurance for young drivers in Massachusetts

The cheapest car insurance company for young drivers in Massachusetts is State Farm at about $981 a year, on average. As young adults gain more experience behind the wheel, their auto insurance rates become considerably lower.

CompanyAverage annual premium
State Farm Mut Auto$981
Geico Gen$1,528
Safety$2,046
Arbella Mut$2,347
Allstate$3,142
Progressive Direct$3,772

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 $714 annually.

Below are the companies that offer cheap insurance rates for adult drivers in Massachusetts.

CompanyAverage annual premium
State Farm Mut Auto$714
Geico Gen$1,091
Safety$1,175
Arbella Mut$1,599
Progressive Direct$1,964
Allstate$2,019

Cheapest car insurance for seniors in Massachusetts

State Farm offers the cheapest car insurance for seniors in Massachusetts. The average annual premium offered is $491. 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:

CompanyAverage annual premium
State Farm Mut Auto$491
Safety$831
Geico Gen$857
Arbella Mut$1,329
Allstate$1,597
Progressive Direct$1,910

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 $872 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.

CompanyAverage annual premium
State Farm$872
Government Employees$1,567
USAA$1,620
Progressive$2,350
Metropolitan$2,535
Allstate$2,725
NGM$3,465
Standard Fire$3,649

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 $1,152 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.

CompanyAverage annual premium
State Farm$1,152
USAA$1,945
Government Employees$2,045
Progressive$2,755
NGM$3,465
Metropolitan$3,885
Standard Fire$3,977
Allstate$4,496

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 $1,391 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.

CompanyAverage annual premium
State Farm$1,391
Progressive$2,129
Government Employees$2,322
USAA$3,419
Standard Fire$3,833
Metropolitan$4,248
NGM$4,349
Allstate$5,646

Average cost of car insurance in Massachusetts

The average car insurance rate for full coverage in Massachusetts is $1,382 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 $270 annually.