Go To Top
Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

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

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.

CompanyAverage annual premiumAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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:

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.

CompanyAverage 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.