Low-income car insurance in Massachusetts: What you need to know

Massachusetts government car insurance for low-income drivers

There is no government-run car insurance program for low-income drivers in Massachusetts. Only a handful of states (California, Hawaii and New Jersey) have such a program.

In Massachusetts, low-income drivers must still carry the minimum amount of car insurance. The best way to find it on a budget is to shop around.

Massachusetts minimum car insurance requirements

The minimum car insurance requirements in Massachusetts are as follows:

Minimum liability coverage limits	20/40/5
Average annual premium	$511
Other types of insurance required (if any)	UIMBI, UMBI, PIP and Mandatory BI

Data updated in 2024

Read our methodology

Remember that if you have a loan on your car, you're required to carry full coverage, which includes collision and comprehensive.

Best low-income car insurance in Massachusetts

State Farm came out on top as the best pick for low-income car insurance.

People on a tight budget still deserve great service from their car insurance company. We gathered the data on the top car insurance companies in Massachusetts and compared them on rates for state-minimum coverage, financial stability and customer satisfaction based on J.D. Power and National Association of Insurance Commissioners (NAIC) scores.

These are the best low-income car insurance companies in Massachusetts.

Company	Average annual premium	J.D. Power	AM Best	NAIC	Insurance.com score
State Farm	$210	829	A++	0.7	3.5
Safety Insurance	$332	814	A	0.31	3.33
Geico	$453	836	A++	0.91	2.98
Plymouth Rock Assurance	$344	795	A-	0.45	2.94
Amica Mutual	$627	833	A+	0.61	2.92
Travelers	$721	782	A++	0.49	2.8
Arbella Insurance	$617	799	A	0.27	2.79
Farmers	$492	821	A	0.8	2.73
Allstate	$678	816	A+	0.65	2.62
Progressive	$789	802	A+	0.65	2.44

Data updated in 2024

Read our methodology

Cheapest low-income car insurance in Massachusetts

Based on state-minimum coverage, we found that the cheapest car insurance company in Massachusetts is State Farm at an average rate of $210 a year.

When you're working with a tight budget, price is the number one consideration. We gathered rates from car insurance companies in Massachusetts to find the cheapest options on average.

Company name	Average annual premium	Average monthly premium
State Farm	$210	$17
Safety Insurance	$332	$28
Plymouth Rock Assurance	$344	$29
Geico	$453	$38
Farmers	$492	$41
Arbella Insurance	$617	$51
Amica	$627	$52
Allstate	$678	$57
Travelers	$721	$60
Progressive	$789	$66
USAA	$368	$31

Data updated in 2024

Read our methodology

PEOPLE ASK:

What can I do if I can't afford car insurance in Massachusetts?

If you can't find affordable car insurance in Massachusetts, try working with a local agent who knows the market and some of the smaller insurance companies available. Consider a usage-based program to reduce costs, reduce coverage, drive less and ask about additional discounts.

Car insurance discounts for low-income drivers in Massachusetts

Discounts are the best way to bring down your car insurance rates. There are a number of discounts low-income drivers in Massachusetts can take advantage of for cheaper insurance. Take a look at some common discounts and how much you can save below.

Discount type	% Discount
Years Licensed	47%
Years Insured	15%
Multi Policy	14%
Electronic Signature	12%
Purchase Status	9%
Days Advanced Purchase	8%
Lower Annual Mileage	7%
Telematics	6%
Payment Type	6%
Loyalty - Years Renewal With Company	5%
Electronic Funds Transfer	4%
Primary Use	3%
Paperless/Electornic Documents	3%
Safety Devices	3%
Anti-Theft Device	3%
Air Bags	2%

Data updated in 2024

Read our methodology

Methodology

Insurance.com commissioned car insurance rates from Quadrant Data Services in late 2023 for state minimum car insurance policies across all states. Rates are based on a 40-year-old driver with a clean driving record and good credit, driving a Honda Accord LX. We compared rates from 170 companies across 35,488 ZIP codes.

Low-income car insurance in Massachusetts: Frequently asked questions

What is the cheapest car insurance company for low-income people?

In Massachusetts, State Farm is the cheapest car insurance company with the average rate of $210. However, that's based on average rates and may differ for you, so it's important to shop around.

Does Massachusetts have car insurance for low-income individuals?

No, Massachusetts doesn't offer a car insurance program for low-income individuals or families.

What happens if I can't pay my car insurance?

If you don't pay your car insurance bill, your car insurance will be canceled and you won't have coverage. If you can't pay your car insurance bill, contact your insurance company before the bill is past due to see if you can make arrangements for payment.