State Farm offers the cheapest auto insurance rates in Massachusetts at about $647 a year or $57 monthly, on average, which is below the average Massachusetts car insurance rate of $1,528 a year.
Cheap isn’t everything; however an Insurance.com analysis of rates, complaints, and financial stability found State Farm to be the best insurance company in Massachusetts as well.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your car insurance rate.
Read on to compare Massachusetts insurance rates by company, age, and more.
Key takeaways
- State Farm is the best car insurance company in Massachusetts overall, with below-average rates and a low complaint ratio.
- State Farm is also the cheapest car insurance company for all residents in Massachusetts at $647 per year.
- State Farm has the cheapest car insurance rates for all ages: teen, adult, and senior drivers.
- Average cost of car insurance in Massachusetts
- Best car insurance companies in Massachusetts
- Cheapest car insurance companies in Massachusetts
- Cheapest car insurance cost in Massachusetts by age
- Cheapest car iInsurance companies in Massachusetts by driver profile
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Massachusetts
The average car insurance rate in Massachusetts is $1,528 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 $534.
Best car insurance companies in Massachusetts
State Farm is the best car insurance company in Massachusetts, based on a 2023 analysis by Insurance.com, with an overall rating of 4.62. Geico landed in second place.
Below is a full list of the top Massachusetts 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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | NAIC Complaint ratio |
|---|---|---|---|---|
| State Farm | A++ | $ 647 | 0.52 | 4.62 |
| Geico | A++ | $ 1,184 | 0.77 | 3.98 |
| USAA | A++ | $ 1,170 | 0.99 | 3.57 |
| Progressive | A+ | $ 1,653 | 0.73 | 3.35 |
| American Family | A | $ 1,723 | 0.57 | 3.29 |
| Travelers | A++ | $ 2,254 | 1.03 | 2.55 |
| Allstate | A+ | $ 2,195 | 0.95 | 2.45 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Massachusetts
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 price quotes from all the major insurance providers in Massachusetts and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, State Farm is the cheapest auto insurance company in Massachusetts, with average rates of $647 annually or $54 a month, on average, for full coverage.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| State Farm | $ 209 | $ 273 | $ 647 |
| USAA* | $ 300 | $ 371 | $ 1,170 |
| Geico | $ 513 | $ 629 | $ 1,184 |
| Safety Insurance | $ 426 | $ 539 | $ 1,226 |
| Progressive | $ 776 | $ 880 | $ 1,653 |
| Arbella Insurance | $ 483 | $ 639 | $ 1,696 |
| American Family | $ 645 | $ 740 | $ 1,723 |
| Allstate | $ 595 | $ 760 | $ 2,195 |
| Travelers | $ 859 | $ 1,046 | $ 2,254 |
*USAA offers car insurance only to military members, veterans and their families.
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Cheapest car insurance cost in Massachusetts by age
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 $1,870 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 car insurance for adult and senior drivers at $647 per year and $531 per year, respectively.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | State Farm | $ 1,870 |
| Teens (16-19) | USAA | $ 3,301 |
| Teens (16-19) | Geico | $ 3,444 |
| Teens (16-19) | Travelers | $ 4,650 |
| Teens (16-19) | Safety Insurance | $ 5,499 |
| Teens (16-19) | Arbella Insurance | $ 6,147 |
| Teens (16-19) | Progressive | $ 7,244 |
| Teens (16-19) | Allstate | $ 8,402 |
| Teens (16-19) | American Family | $ 9,942 |
| Young Adults (20-24) | State Farm | $ 885 |
| Young Adults (20-24) | Geico | $ 1,657 |
| Young Adults (20-24) | USAA | $ 1,692 |
| Young Adults (20-24) | Safety Insurance | $ 1,916 |
| Young Adults (20-24) | Arbella Insurance | $ 2,613 |
| Young Adults (20-24) | American Family | $ 3,008 |
| Young Adults (20-24) | Progressive | $ 3,138 |
| Young Adults (20-24) | Travelers | $ 3,192 |
| Young Adults (20-24) | Allstate | $ 3,535 |
| Adults (25-55) | State Farm | $ 647 |
| Adults (25-55) | Geico | $ 1,180 |
| Adults (25-55) | USAA | $ 1,196 |
| Adults (25-55) | Safety Insurance | $ 1,243 |
| Adults (25-55) | Progressive | $ 1,646 |
| Adults (25-55) | Arbella Insurance | $ 1,707 |
| Adults (25-55) | American Family | $ 1,727 |
| Adults (25-55) | Travelers | $ 2,215 |
| Adults (25-55) | Allstate | $ 2,256 |
| Seniors (60-75) | State Farm | $ 531 |
| Seniors (60-75) | Geico | $ 920 |
| Seniors (60-75) | USAA | $ 1,018 |
| Seniors (60-75) | Safety Insurance | $ 1,067 |
| Seniors (60-75) | Arbella Insurance | $ 1,445 |
| Seniors (60-75) | American Family | $ 1,454 |
| Seniors (60-75) | Progressive | $ 1,580 |
| Seniors (60-75) | Allstate | $ 1,784 |
| Seniors (60-75) | Travelers | $ 2,031 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car iInsurance companies in Massachusetts by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for auto insurance.
However, the severity and frequency of the incidents also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Massachusetts rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| State Farm | $ 766 | $ 1,152 | $ 872 |
| USAA* | $ 1,347 | $ 1,921 | $ 1,571 |
| Geico | $ 1,351 | $ 2,011 | $ 1,509 |
| Progressive | $ 1,819 | $ 2,761 | $ 2,405 |
| American Family | $ 2,086 | $ 3,114 | $ 3,114 |
| Travelers | $ 2,415 | $ 3,772 | $ 3,256 |
| Allstate | $ 2,537 | $ 4,168 | $ 2,537 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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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