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With an estimated 4.75 million licensed drivers and 6.79 million residents, Massachusetts ranks as the 15th most populous state, according to state DOT and U.S. Census data. Yet residents of this relatively small state have some of the most expensive insurance costs in the United States. Some of this is due to population density, with so many residents living in urban areas. A high cost of living is also a factor, with commensurate prices for auto repairs, medical care, and litigation, which all affect insurance rates. And unfortunately for its residents, Massachusetts has more property damage and liability claims than almost every other state.

Insurance companies take all of this into consideration when setting rates, as part of their complicated formulas that include myriad other factors, from climate and population to driving record, age, and gender to income level and what types of coverages are required by state law.

Our study found that it all adds up to big differences in Massachusetts car insurance costs between the top companies. But we’ve made it easy to find the most affordable car insurance in Massachusetts, no matter your age, driving history, or credit score.

Cheapest Car Insurance Companies in Massachusetts

The rates shown here are based on a study performed by Quadrant Information services on behalf of U.S. News. The study examined rates from 10 largest car insurance companies in the United States, using certain driver profiles. Your rates will differ.

How We Found the Cheapest Car Insurance in Massachusetts

At U.S. News, we’re all about helping people make life’s important decisions. Our college rankings, launched in 1983, set the standard in educational rankings. Our ranking in other fields, like healthcare, civic areas, and the automotive sphere, help people and thought leaders make choices that make lives better. Now we’re continuing to empower you with the information you need to make the right choices for your life with our Cheapest Car Insurance Rankings.

For this study, U.S. News worked with Quadrant Information Services to provide a report of average insurance rates in all 50 states from the 10 largest national car insurance companies. Quadrant obtained rate data provided by car insurers to state regulators, based on profiles for both male and female drivers aged 25, 35, and 60. Vehicles used include the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford-F-150, with annual mileage of 6,000 and 12,000. Three car insurance coverage levels were used, as were credit tiers of good, fair, and poor. Clean driving records and records with one accident, one speeding violation, and one DUI were also used in the calculations. To get the study rates shown here, we computed a simple average of all driver profiles and profile combinations for a given company or risk pool. The rates shown here are for comparative purposes only and should not be considered “average” rates available by individual insurers. Individual rates will differ.

How Much Does Car Insurance Cost in Massachusetts?

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Our study found an average annual rate of $1,435.77 for car insurance in Massachusetts, but we found a big range of Massachusetts car insurance costs among the companies in our survey, from an average study rate of $690.64 with State Farm to $2,175.39 with Travelers. That nearly $1,500 range demonstrates the importance of shopping around.

Average Annual Car Insurance Rates in Massachusetts Based on Age

To determine the average rates based on gender and age, we created driver profiles for males and females in each of the following ages: 25 years, 35 years, and 60 years. The profiles also have a clean driving record, insurance coverage for 12,000 miles per year, a medium level of insurance coverage, and a good credit score. We used three vehicles for our driver profiles: the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Not surprisingly, our study found that a 25-year-old representative profile could expect to pay more on average for insurance than older driver profiles, but interestingly, rates for our driver profiles in that age group were the same regardless of gender. In fact, our study found rates for Massachusetts driver profiles to be the same for men and women in all our demographic profiles, with all companies included in the survey.

We found that our 25-year-old driver profiles not only had higher rates in Massachusetts, but also had the biggest range in representative costs between companies, from a low of $690.64 with State Farm to $2,405.48 with Travelers. Our study found that Massachusetts driver profiles in this age group paid an average study rate of $1,548.15 for car insurance. At the other end of the spectrum, our 60-year-old driver profiles paid $1,333.06 on average in our analysis, regardless of gender.

While younger drivers in Massachusetts would be well-advised to consider State Farm, our study found that State Farm's rates were extremely competitive across all age groups in our survey. We found the same same $690.64 average study rate for Massachusetts driver profiles in the 25-, 35-, and 60-year-old age groups regardless of gender, making State Farm the least expensive company for car insurance across all representative demographic groups in our survey. It’s just that the savings with State Farm are greatest for younger drivers.

Company

25-year-old male

25-year-old female

35-year-old male

35-year-old female

60-year-old male

60-year-old female

Allstate

$1,681.00

$1,681.00

$1,513.20

$1,513.20

$1,513.20

$1,513.20

Geico

$1,546.06

$1,546.06

$1,460.20

$1,460.20

$1,303.75

$1,303.75

Progressive

$1,902.89

$1,902.89

$1,732.66

$1,732.66

$1,595.30

$1,595.30

State Farm

$690.64

$690.64

$690.64

$690.64

$690.64

$690.64

Travelers

$2,405.48

$2,405.48

$2,178.36

$2,178.36

$1,942.33

$1,942.33

USAA

$1,062.82

$1,062.82

$981.56

$981.56

$953.11

$953.11

Average Annual Car Insurance Rates in Massachusetts Based on Annual Mileage

We created two driver profiles to compare how annual mileage can change car insurance rates in Massachusetts. One with low mileage (6,000 miles per year) and one with high mileage (12,000 miles per year). The profiles covered males and females in the 25-, 35-, and 60-year-old age groups with a medium level of insurance coverage, a good credit score, and a clean driving record. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Our study found that how much you drive doesn’t make a big difference in Massachusetts insurance rates, but is worth consideration when choosing a provider. Our Massachusetts driver profiles traveling 12,000 miles per year would pay only about $70 more annually than those traveling 6,000 miles per year on average, regardless of insurer. With State Farm, we found a difference of just $30 annually. With USAA, it was less than $70. Travelers, which our study found to be one of the most expense providers in Massachusetts, also charged the highest representative premium for additional miles – almost $200. With Progressive, we found no difference at all in study rates based on annual mileage, but our study found their rates were the second highest in the state at $1,743.62 on average regardless of mileage.

Company

6,000 miles annually (10 mile daily commute)

12,000 miles annually (25 mile daily commute)

Allstate

$1,475.89

$1,569.13

Geico

$1,379.58

$1,436.67

Progressive

$1,743.62

$1,743.62

State Farm

$661.61

$690.64

Travelers

$1,990.65

$2,175.39

USAA

$930.53

$999.16

Average Annual Car Insurance Rates in Massachusetts Based on Coverage Level

Most major insurers offer car insurance coverage in three general tiers: low, medium, and high (even if they don’t necessarily advertise it as such). We created identical profiles in our study to represent drivers, then found out how rates changed with the three levels of coverage. The profiles were assigned a clean driving record, a good credit score, and 12,000 miles of annual driving. We used both males and females with the ages of 25, 35, and 60. The 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150 are the vehicles used in our analysis.

For Massachusetts drivers, our survey found that it is worth considering springing for higher coverage amounts rather than the minimum. Doing so typically added just $150 to $350 annually to the study rates for our driver profiles, regardless of insurer. With State Farm and USAA, the two most reasonably priced providers in our survey, the difference was less than $150. With the high cost of car repairs and healthcare, opting for coverage beyond Massachusetts' modest minimum requirements of $5,000 for property damage and $8,000 for personal injury protection might be worth consideration.

Company

Low

Medium

High

Allstate

$1,411.05

$1,569.13

$1,650.51

Geico

$1,286.25

$1,436.67

$1,508.47

Progressive

$1,584.57

$1,743.62

$1,816.48

State Farm

$605.44

$690.64

$743.22

Travelers

$1,943.51

$2,175.39

$2,290.49

USAA

$912.54

$999.16

$1,041.17

Average Annual Car Insurance Rates in Massachusetts by City

We checked our study's driver profiles in some of Massachusetts' largest cities to find out how city of residence can affect insurance rates. Our profiles are based on 25-, 35-, and 60-year-old males and females with a clean driving record, 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

Where you live within a state also affects your rates. Our survey found that in Massachusetts, those residing in the suburbs had the lowest study rates overall, while city dwellers generally paid higher representative rates. Residents of lower-income towns or cities with higher crime rates, however, paid the highest rates on average in our analysis.

Our survey found that study rates in the Boston suburb of Newton were the cheapest overall in Massachusetts, at $1,487.22 on average. Nearby communities Cambridge and Lowell were not far behind, with study rates of $1,542.54 and $1,639.85 respectively. Not surprisingly, city dwellers in Boston and Worcester paid higher study rates: $1,717.04 and $1,849.57, respectively. But the survey found the highest representative rates overall were in lower income communities with grittier reputations, including Brockton and Lynn. Those cities had the highest reported study rates in the state on average, at $2,361.26 and $2,166.35, respectively.

City

Average Rate

Boston

$1,717.04

Worcester

$1,849.57

Springfield

$1,967.48

Lowell

$1,639.85

Cambridge

$1,542.54

Brockton

$2,361.26

New Bedford

$1,804.19

Quincy

$1,747.98

Lynn

$2,166.35

Newton

$1,487.22

Average Annual Car Insurance Rates in Massachusetts Based on Driving Record

As you might expect, a person's driving record has a large impact on insurance rates, according to our study. To find out just how much of an effect, we made driving profiles with a clean record, with one speeding violation, with one accident, and with one instance of driving under the influence (DUI). These driving record representative profiles were based on 25-, 35-, and 60-year-old males and females with 12,000 miles of mileage per year, a medium level of insurance coverage, and a good credit score. Vehicles used in the analysis are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

For drivers with less than stellar records, State Farm proved the most forgiving in our survey. One speeding violation raised the average study rate for our driver profiles by about $100, bringing their average annual representative premium to a still reasonable $793.31. By comparison, we found an increase of about $650 in study rates with Progressive for the same offense, going from $1,743.62 to $2,402.04. With Allstate, we found no increase, but the representative rates for our typical driver were not inexpensive either way at $1,569.13.

State Farm also had the most modest penalties for other offenses, including a DUI, which raised our driver profile rates to $1,292.94 annually.  That’s less than half of what we found insurance would cost for the same offense with most competitors. We found Travelers to be the most expensive for driver profile with a DUI, with a study rate of $3,338.21 on average.

We found that most companies added incremental penalties for offenses, and companies with more affordable study rates remained more reasonably priced regardless of offenses. State Farm remained the bargain of the bunch across the board, with USAA being the next most reasonably priced.

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Massachusetts Auto Insurance Minimum Coverage Requirements

Massachusetts requires drivers to carry four types of insurance, and each has their own minimum. First, you are required to carry coverage for bodily injury to others in the amounts of $20,000 per person and $40,000 per accident. Personal injury protection (PIP) is required to be $8,000 per person and per accident. Massachusetts also requires coverage for bodily injury caused by an uninsured auto in the amounts of $20,000 per person and $40,000 per accident. Finally, coverage for damage to someone else's property is $5,000 per accident, at minimum.

Bodily injury to others is one of two types of liability coverage required in most states. If you're in an accident, it covers the medical expenses of the people in the other car involved in the crash. Those expenses can include medical and hospital costs, rehabilitation, nursing care, and possibly lost income and money for pain and suffering.

(JenniferPhotographyImaging / Getty Images)

Damage to someone else’s property is the second type of liability coverage, and it covers you against damages to someone else’s vehicle, home, outbuilding, fence, or whatever else is involved in an accident.

Personal injury protection (PIP) covers your own medical expenses as a result of an accident, along with those of any passengers injured in your car. It can also provide coverage for you if you’re injured while riding in another car or if you’re struck by a car while walking or on a bicycle.

Bodily Injury Caused by an Uninsured Auto (better known as uninsured motorist coverage) is just what it sounds like: It provides medical coverage for you and any passengers in your car injured in a crash caused by a driver who has no insurance. It can also provide coverage if you are the victim of a hit and run crash with an unidentified driver.

As in many other states, the minimum required coverages in Massachusetts are relatively modest and wouldn’t begin to cover the actual costs involved in most crashes. Going with only the minimum coverage could leave you on the hook for additional amounts and expenses, which is why you should consider purchasing additional coverage. Keep in mind that none of these required coverages will pay the cost of repairing your own vehicle, which is normally covered by a collision or comprehensive policy. Massachusetts doesn't require these policies, but expect your loan company to require them if you finance or lease your car.

In addition, Massachusetts requires your policy to list all licensed drivers living in your house who are related by blood, marriage, or adoption, even if they have their own auto insurance policies. Most insurance companies will let you list these drivers as “deferred operators” at no charge, but some will charge an additional premium. Most will also make an exception for any member of the household who does not drive your car, as long as you submit their information on a written exclusion form.

The state also requires your policy to include drivers not related to you who regularly drive your car, listed as “customary” drivers. Because this term is open to broad interpretation, it is best to list any driver who even occasionally operates your vehicle. Insurance companies may deny coverage if an operator involved in a crash is not listed on your policy. But check the requirements of individual companies you’re considering.

Read our guide on how much car insurance you need to learn more.

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Cheapest Car Insurance in Massachusetts

Note: Due to USAA's limited membership, we excluded them from this segment evaluation.

Category

Cheapest Company

Single Young Adult Drivers

State Farm

Married Adult Drivers

State Farm

Senior Drivers

State Farm

Drivers with a Clean Record

State Farm

Drivers with One Speeding Violation

State Farm

Drivers with One Accident

State Farm

Drivers with One DUI

State Farm

Low-mileage Drivers

State Farm

High-mileage Drivers

State Farm

Drivers with Low Coverage

State Farm

Drivers with High Coverage

State Farm

Drivers with Used Cars

State Farm

Drivers with New Cars

State Farm

To find which car insurance company offers the lowest rates in Massachusetts, our study used representative driver profiles with good credit, medium insurance coverage, a clean driving record, and 12,000 miles of annual mileage. Our profiles included male and females with the ages of 25, 35, and 60. The vehicles used in our study are the 2015 Honda Civic, 2015 Toyota RAV4, and 2015 Ford F-150.

For drivers looking to spend the absolute least for car insurance in Massachusetts, our study found State Farm to be the best bet across all demographic groups, with an average study rate of $690.64. Next best was USAA, which offers a representative rate of $999.16 a year. Geico came in third at $1,436.67, and study rates with other companies went up from there.

Why Car Insurance Rates Vary in Massachusetts

Many factors affect what you pay for car insurance, including your age, driving record, how much you drive, and the age and type of car you own. Where you live can also have a dramatic effect on rates. Urban drivers generally pay more for car insurance than those living in suburban or rural areas because of road congestion, the number of other vehicles around you, crime, and the greater odds of making a claim based on these factors and more.

Our study found that suburban areas generally had lower rates than cities, but rates varied from one city to the next with no direct correlation to size. Boston is the largest city in Massachusetts with about 685,000 residents, but our study found six other Massachusetts cities had higher rates on average.

We found that Brockton, a much smaller city of less than 100,000 residents and about 25 miles from Boston, had the highest study rates for our driver profiles in the state on average: $2,361.26 annually, more than $500 higher than we saw in Boston. Our sample profiles for Lynn, another city close to Boston, paid a representative rate of $2,166.35 on average. The reason is likely to have more to do with crime rates than population density. Brockton and Lynn have some of the highest crime rates among cities in the state according to FBI data, as do most of the cities in our study with higher rates.

How to Get the Cheapest Car Insurance in Massachusetts

There are almost always ways to save money on car insurance. Most insurance companies offer discounts for bundling your car insurance with another policy, like homeowners or renters insurance. A clean driving record will help, as will a good credit score, and some companies offer discounts for completing a defensive driving course. Good students will often be entitled to a discount. Some companies, including USAA, also offer discounts for cars left in storage while the owner is deployed in military service.

Opting for a higher deductible – the money you pay out of pocket before insurance kicks in – will typically lower your annual collision or comprehensive premiums. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce collision and comprehensive coverage costs by 15 to 30 percent. Opting for a $1,000 deductible can save 40 percent or more. A higher deductible means you'll have to pay more out of pocket, so it's important to balance that risk with potential savings. You'll need to keep more cash on hand for repairs in the event of an accident or damage to your car.

Regardless of what discounts you may be eligible for, remember that it always makes sense to check with your insurer annually to see if you’re entitled to a reduction in rates, and consider updating your coverage if circumstances have changed. Driving offenses are cleared from your record over time, and your credit score may improve. Don’t rely on your insurer to automatically lower your rates as things change. Also keep in mind that you may want to lower or drop some coverage entirely as your car ages. You might even want to consider canceling coverage for repairs if depreciation over time has made your vehicle worth less than repairs are likely to cost. Auto bodywork doesn’t come cheap.

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Important Laws Around Auto Insurance in Massachusetts

Massachusetts deregulated car insurance in 2008, going from a system where the state dictated rates to one where insurance companies set their own. As a result, it is more important than ever to shop around and compare quotes.

Because Massachusetts is a no-fault state, drivers must file any property or injury claims with their own insurance company, regardless of who is at fault in an accident. Drivers must also include family members who are licensed drivers living under the same roof – along with anyone else who drives their car on a regular basis – on their policy.

(teekid / Getty Images)

Drivers are required to show proof of insurance to register a vehicle in Massachusetts and be issued license plates. Penalties for driving without insurance in Massachusetts include a fine of between $500 and $5,000 and up to a year in jail.

Massachusetts Driving Laws and Punishments

Massachusetts crash fatalities increased by 12.8 percent in 2016, more than double the national average. Authorities attribute much of that increase to distracted driving. As a result, the state has promised to strictly enforce its Safe Driving Law, which bans texting while driving. The law carries penalties of $100 for the first offense, $250 for the second, and $500 for each subsequent offense. There is no mandatory insurance surcharge attached to the regulation, but negligent operation resulting in bodily injury makes it a criminal offense with a bump in insurance rates.

Massachusetts also has very strict laws against drunk driving, with penalties for any driver whose blood alcohol content exceeds 0.08 percent. The first offense carries a fine of $500 to $5,000, along with a one-year license suspension and a possible prison term of up to 2 1/2 years. The second offense results in a fine of $600 to $10,000, along with a two-year license suspension and a prison term of between 30 days and two years. The third offense is considered a felony, with fines from $1,000 to $15,000, along with an eight-year license suspension and a minimum jail term of 150 days. The maximum sentence is five years. For the fourth offense, which is also a felony, you can face fines from $1,500 to $25,000, a 10-year license suspension, and a prison sentence of one to five years. The fifth offense is also a felony charge, and it carries a fine of $2,000 to $5,000, a lifetime license suspension, and two to five years in prison.

Massachusetts Car Insurance FAQs

Is car insurance required in Massachusetts?

Yes, four types of basic insurance are required, including bodily injury to others, personal injury protection (PIP), bodily injury caused by an uninsured auto, and damage to someone else’s property.

Which cars are required to be insured in Massachusetts?

All registered vehicles in Massachusetts are required to have insurance.

When should I get car insurance in Massachusetts?

Drivers are required to have car insurance to register a vehicle in Massachusetts. Be prepared to show proof of insurance before going to the vehicle registry.

What happens if my car is not properly insured in Massachusetts?

Serious penalties await those who operate a vehicle without proper insurance in Massachusetts and include a fine of up to $5,000, loss of driving privileges for a year, and up to one year in jail.

Is Massachusetts a no-fault state?

Yes, Massachusetts is a no-fault state. That means you must file a claim with your car insurance company after any collision, even if you did not cause it.

Do I need uninsured motorist coverage in Massachusetts?

Yes, to cover injuries with minimum coverage of $20,000 per person and $40,000 per crash.

Is liability insurance required in Massachusetts?

Two types of liability coverage are required: Bodily Injury to Others, with a minimum of $20,000 per person and $40,000 per crash, and Damage to Someone Else’s Property, with a minimum $5,000 in coverage.

Does Massachusetts accept digital insurance cards?

No. Massachusetts doesn’t issue any insurance cards. However, you must provide proof of insurance to register a car. You can get the proper documentation from your car insurance company.

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Get great auto insurance coverage at an even better price.