Finding Affordable Auto Insurance In Massachusetts

Massachusetts is a densely populated state with most people living in urban areas, which makes the cost of auto insurance more expensive than in other states. The average annual auto insurance premium in the state is $1,399.

According to an analysis by U.S. News, Geico is the most affordable auto insurer in Massachusetts, with an average annual premium of $978. Safety Insurance is also mentioned as the cheapest full coverage car insurance in Massachusetts, at $116 per month, according to ValuePenguin.

Plymouth Rock, Vermont Mutual and The Hanover are also mentioned as offering the cheapest car insurance for MA drivers, according to Bankrate's analysis.

MoneyGeek's analysis found that State Farm is the cheapest company in Massachusetts for a minimum and full coverage policy.

Cheapest car insurance for young drivers

Massachusetts law prohibits car insurance companies from using age as a factor when determining premiums. However, insurance companies can consider a driver's level of experience, so young or inexperienced drivers will tend to pay higher premiums.

According to Bankrate, the cheapest car insurance for young drivers in Massachusetts is offered by Travelers and Vermont Mutual. WalletHub also suggests that National General, State Farm, and Geico offer competitive rates for young drivers.

The Zebra, meanwhile, names State Farm as the cheapest option for young drivers seeking the minimum required coverage in Massachusetts.

Other Ways to Save on Car Insurance in Massachusetts

Massachusetts has banned the use of age, gender, marital status, and credit history when determining car insurance rates. However, insurance companies can consider your driving experience, zip code, vehicle make and model, and annual mileage.

One way to save on car insurance in Massachusetts is to shop around for quotes from multiple providers. You can also ask insurance agents about what discounts you might qualify for. Many companies offer discounts for safe drivers, paying in full, bundling multiple insurance products, or having certain vehicle safety features.

Average Car Insurance Costs in Massachusetts

The average cost of car insurance in Massachusetts is $1,737 per year for full coverage and $466 per year for minimum coverage.

Cheapest Car Insurance Companies in Massachusetts

The cheapest car insurance companies in Massachusetts overall are National General, State Farm, and Geico, according to WalletHub. USAA, Patriot, and Geico are the cheapest options according to WalletHub's Candace Baker.

Best Car Insurance Companies in Massachusetts

Arbella has the best car insurance in Massachusetts based on a combination of affordable rates, great customer service, and good coverage options. Geico is also a great option for Massachusetts drivers due to its dependable customer service and slightly cheaper rates.

Cheapest car insurance for drivers with a DUI

In Massachusetts, Geico is the most affordable auto insurer across several demographics, with an average annual premium of $978. The average annual auto insurance premium in the state is $1,399.

The average rate for a Massachusetts driver with a clean driving record coincides with the state’s overall average rate at $1,399 per year. Geico’s sample rate for good drivers is over $400 cheaper than the state average, with an average annual rate of $978.

Progressive is the cheapest company for drivers with a DUI and competitive rates for a broad range of other driver profiles. Progressive also has a low level of complaints against it with state insurance departments.

Cheapest car insurance for drivers with an accident on their record

Car insurance rates in Massachusetts are higher for drivers with an accident history. However, there are a few insurance companies that offer competitive rates for drivers with an accident on their record. Here is a list of the cheapest car insurance companies in Massachusetts for drivers with an accident history:

• Arbella: Arbella has the cheapest quotes for drivers with an at-fault accident on their record. A full-coverage policy from Arbella costs around $154 per month, which is $102 less than the Massachusetts average for drivers with an accident.
• Geico: Geico is another excellent choice for drivers with an accident history. Their rates are very affordable, with a full-coverage policy costing around $1,088 per year, which is more than half the state's average.
• State Farm: State Farm is also a good option for drivers with an accident on their record. Their rates are slightly higher than Geico and Arbella, but they are still competitive.
• Progressive: Progressive is another insurance company that offers cheap rates for drivers with an accident history. Their rates are higher than Geico and Arbella but lower than State Farm.
• Plymouth Rock: Plymouth Rock is another insurance company that offers affordable rates for drivers with an accident history. Their rates are similar to Progressive.

It is important to note that the rates may vary depending on the severity and frequency of the accidents. Additionally, other factors such as age, gender, and driving history can also impact the insurance rates. It is always a good idea to shop around and compare quotes from multiple insurance companies to find the best rate for your specific situation.

Cheapest car insurance for drivers with a speeding ticket

In Massachusetts, the average annual premium for car insurance is $1,399. However, Geico is the most affordable auto insurer in the state, with an average annual premium of $978.

The cheapest car insurance in Massachusetts for drivers with a speeding ticket is offered by Geico, with an average annual premium of $1,088. The next cheapest insurers for drivers with a speeding ticket are Erie, at $1,535, and Progressive, at $1,744.

Cheapest car insurance for military personnel

USAA is a reliable insurance company for military members, veterans, and their immediate families. USAA is only available to those with a military affiliation, so the general public cannot benefit from their services. USAA has 13 discounts, including one for safe driving, and a usage-based program called SafePilot® for good drivers to save more.

USAA is the cheapest option for military personnel in Massachusetts, with an average annual rate of $1,036.

Other cheap car insurance companies in Massachusetts

• State Farm
• Geico
• Progressive
• Farmers

Frequently asked questions