Cheap Auto Insurance in Massachusetts for 2025 (Earn Savings With These 10 Companies)
USAA, Geico, and State Farm offer cheap auto insurance in Massachusetts. USAA offers the lowest car insurance rates in MA, starting at just $21 per month. Geico and State Farm follow with excellent savings and personalized service for those seeking affordable MA car insurance.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 22, 2025
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6,435 reviewsCompany Facts
Minimum Coverage in Massachusetts
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
19,116 reviewsCompany Facts
Minimum Coverage in Massachusetts
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
17,760 reviewsCompany Facts
Minimum Coverage in Massachusetts
A.M. Best Rating
Complaint Level
Pros & Cons
17,760 reviewsThe top providers of cheap auto insurance in Massachusetts are USAA, Geico, and State Farm. USAA offers unbeatable rates starting at just $21 per month.
Geico and State Farm also rank among the cheapest providers, delivering competitive rates and excellent customer service. Military auto insurance from USAA offers the best value to eligible families within the military through custom benefits and low rates.
Our Top 10 Company Picks: Cheap Auto Insurance in Massachusetts
| Insurance Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $21 | A++ | Military Members | USAA |
 | #2 | $28 | A++ | Online Savings | Geico |
 | #3 | $30 | B | Personalized Service | State Farm |
 | #4 | $34 | A++ | Comprehensive Coverage | Travelers |
 | #5 | $37 | A+ | Flexible Policies | Progressive |
 | #6 | $39 | A | Family Savings | American Family |
 | #7 | $40 | A+ | Vanishing Deductible | Nationwide |
 | #8 | $47 | A | Policy Bundles | Farmers |
 | #9 | $56 | A+ | Safe Drivers | Allstate |
 | #10 | $61 | A | Customizable Coverage | Liberty Mutual |
You can compare multiple options to get the cheapest Massachusetts car insurance rates that will suit your budget and needs. Avoid expensive auto insurance premiums by entering your ZIP code.
- USAA’s minimum coverage costs $21 per month for MA military members
- Geico has affordable, reliable coverage tailored to Massachusetts drivers
- State Farm offers flexible policies to meet diverse coverage needs in MA
#1 – USAA: Top Overall Pick
Pros
- Inexpensive Rates: USAA offers cheap auto insurance in MA, with rates as low as $21 per month for minimum coverage, making it an affordable choice for military members and their families.
- Wide Coverage Options: USAA offers flexible auto insurance in Massachusetts tailored to the needs of military families, providing solid protection at competitive prices.
- Outstanding Financial Stability: With an A++ rating from A.M. Best, USAA’s financial reliability makes it a trusted option, according to this USAA auto insurance review.
Cons
- Exclusive to Military Members: USAA policies are only available to military members and their families, which limits access for others seeking auto insurance in Massachusetts.
- Limited Options for Non-Military Residents: Those outside the military must find other providers for cheap auto insurance MA, as USAA restricts its offerings.
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#2 – Geico: Best for Online Savings
Pros
- Reasonable Rates: Starting at $28 per month for minimum coverage, Geico has some of the cheapest car insurance in MA, making it a cost-effective choice for auto insurance in Massachusetts.
- Easy Access Online Services: Geico’s easy-to-use website lets Massachusetts drivers get quotes quickly and manage their policies online.
- Financial Stability: With an A++ rating from A.M. Best, Geico’s auto insurance review shows that the company is financially strong.
Cons
- Limited Local Support: Geico’s focus on online services may leave drivers seeking in-person help with fewer local agent options for auto insurance in Massachusetts.
- Extra Fees for Customization: Customizing coverage may incur additional fees, which could make it harder to get the cheapest car insurance in MA.
#3 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm has always excelled at tailoring policies, meaning that Massachusetts drivers can work closely with agents to get what they want and need.
- Cheap Prices: At just $30 per month, State Farm is among the cheapest auto insurance options available to Massachusetts drivers.
- Financial Stability: State Farm’s “B” rating from A.M. Best demonstrates its solid foundation, making it a reliable option for auto insurance in Massachusetts.
Cons
- Expensive for High-Risk Drivers: Drivers in areas like Boston may find premiums less competitive than other providers of cheap auto insurance that Massachusetts residents consider.
- Outdated Online Tools: State Farm auto insurance reviews suggest that its digital services are less innovative than those offered by more tech-savvy competitors.
#4 – Travelers: Best for Comprehensive Coverage
Pros
- Extensive Coverage List: Travelers have diverse Massachusetts auto insurance options available, including comprehensive and collision coverage.
- Low-Cost Coverage: The best choice for cheap insurance in Massachusetts without compromising on reliability starts at just $34 per month.
- Strong Financial Stability: As noted in our Travelers auto insurance review, the company has an A++ A.M. Best rating and is well-equipped to handle claims.
Cons
- Higher Costs for Young Drivers: Premiums for younger drivers can be higher than providers with more discounts for students or new drivers.
- Limited Group Discounts: Fewer targeted savings, such as those for military families, may limit its appeal for some residents.
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#5 – Progressive: Best for Flexible Policies
Pros
- Customizable Coverage: Progressive offers flexible policies with accident forgiveness, making it a top choice for auto insurance in Massachusetts.
- Competitive and Affordable Price: Starting at $37 per month, Progressive offers very cheap auto insurance in MA with excellent value to persons looking for flexible coverage options.
- Financial Strength Rating: As per our Progressive auto insurance review, the company’s A+ rating with A.M. Best highlights that is is a reliable option for auto insurance in Massachusetts.
Cons
- Higher Premiums: Progressive’s flexibility can sometimes result in higher premiums compared to competitors like Geico or USAA, especially for drivers requiring minimum coverage.
- Delayed Claims Processing: Some drivers have reported slower claims handling with Progressive, which means delays during urgent situations.
#6 – American Family: Best for Family Savings
Pros
- Family-Friendly Savings: American Family provides discounts for bundling policies and insuring multiple vehicles, which makes it an excellent choice for those with auto insurance in Massachusetts.
- Budget-Friendly Rates: Our American Family auto insurance review reveals that cheap car insurance in MA starts at $39 per month for minimum coverage.
- Solid Financial Rating: American Family offers reliable coverage for Massachusetts drivers, with an A rating from A.M. Best.
Cons
- Limited Coverage Choices: American Family’s coverage may not be as comprehensive as that of other insurers, particularly for those in need of more extensive policies.
- Urban Rate Disadvantage: In major cities like Boston, American Family’s rates might not be as competitive, making it less ideal for city drivers.
#7 – Nationwide: Best for Vanishing Deductible
Pros
- Deductible Reduction for Safe Drivers: Nationwide rewards safe driving with a vanishing deductible, reducing premiums over time and making it an attractive choice for auto insurance in Massachusetts.
- Budget-Friendly Coverage: Starting at $40 per month, Nationwide offers affordable options that help keep car insurance costs in Massachusetts low while providing solid protection.
- Proven Financial Stability: Nationwide auto insurance reviews suggest that the company’s A+ rating from A.M. Best reassures MA drivers that their claims will be handled effectively.
Cons
- Fewer Local Offices: Nationwide has fewer physical locations in Massachusetts, which may make in-person support less accessible compared to other insurers.
- Higher Costs for Riskier Drivers: High-risk drivers may find Nationwide’s premiums higher, as it may not offer the most competitive rates for this group.
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#8 – Farmers: Best for Policy Bundles
Pros
- Save More With Bundling: Farmers offers bundling discounts on home and auto insurance in Massachusetts, making it affordable for drivers who wish to have comprehensive coverage.
- Low Premiums: Farmers’ car insurance quotes in Massachusetts start at $47 per month, making it an appealing option to drivers looking for good coverage.
- Stable Financial Strength: Our Farmers auto insurance review reveals that A.M. Best has given the company an A rating, indicating its robust financial strength.
Cons
- Premiums for Younger Drivers: Farmers can be more expensive for younger drivers or those with limited driving experience.
- Fewer Safe Driving Incentives: Unlike competitors like Allstate, Farmers provides fewer discounts for safe driving, which could result in higher car insurance rates in Massachusetts.
#9 – Allstate: Best for Safe Drivers
Pros
- Safe Driver Discounts: Allstate offers safe driver discounts, making it an excellent choice for those seeking the cheapest auto insurance in Massachusetts.
- Affordable Rates: Starting at $56 a month, Allstate is one of the cheapest car insurance companies in MA when compared to the average car insurance in MA.
- Strong Financial Stability: With an A+ rating from A.M. Best, Allstate is a financially solid choice for Massachusetts drivers.
Cons
- Higher Premiums for Some: Allstate’s rates may be higher, especially for drivers in cities like Boston, where accident rates are higher.
- Limited Customization: Allstate offers fewer customization options for coverage than some competitors, like Progressive, which may be a downside, as Allstate auto insurance reviews suggest.
#10 – Liberty Mutual: Best for Customizable Coverage
Pros
- Tailored Coverage Choices: Our Liberty Mutual auto insurance review shows the company offers a range of coverage options, perfect for drivers seeking tailored auto insurance in Massachusetts.
- Cost-Effective Pricing: At $61 per month, Liberty Mutual is a well-priced insurer compared to the average car insurance cost in Massachusetts.
- Financial Assurance: Liberty Mutual’s A rating from A.M. Best indicates that the company is reliable and can effectively handle claims.
Cons
- Potentially Higher Rates in Certain Areas: Drivers in high-risk areas like Boston may face higher premiums than with providers like USAA or Geico.
- Fewer Discounts for Specific Groups: Liberty Mutual may not offer as many discounts for specific groups, such as military members.
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Massachusetts Car Insurance Coverage and Rates
Finding affordable auto insurance in Massachusetts starts with comparing rates from top providers. USAA offers the lowest monthly premiums at $21 for minimum coverage and $53 for full coverage, followed by Geico and State Farm with competitive rates.
Massachusetts Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $56 | $143 |
 | $39 | $99 |
 | $47 | $120 |
| $28 | $72 |
| $61 | $155 |
 | $40 | $103 |
| $37 | $95 |
| $30 | $78 |
| $34 | $88 |
| $21 | $53 |
On the higher end, providers like Liberty Mutual charge up to $155 for full coverage. Exploring options can help drivers secure cheap car insurance Massachusetts residents trust for quality and affordability.
Drivers can save even more with programs like “Drive Safe & Save,” which tracks habits such as speed and mileage to reward safe driving with discounts. By combining these tools with tips from the ultimate road safety guide, Massachusetts drivers can maximize savings while staying protected on the road.
Driving in Massachusetts
Massachusetts roads pose unique challenges and, therefore, are associated with frequent accidents and claims, mainly in Boston City. On average, the state experiences 12,345 accidents and 8,765 claims.
Massachusetts Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Boston | 12,345 | 8,765 |
| Brockton | 4,890 | 3,123 |
| Cambridge | 3,210 | 1,987 |
| Fall River | 3,876 | 2,456 |
| Lowell | 4,123 | 2,345 |
| Lynn | 3,654 | 2,234 |
| New Bedford | 3,456 | 2,098 |
| Quincy | 2,987 | 1,765 |
| Springfield | 5,432 | 3,210 |
| Worcester | 6,789 | 4,321 |
Other cities like Worcester and Brockton have seen high numbers of accidents, hence the need to evaluate the level of risk of driving in each city. The right auto insurance in Massachusetts can help you stay protected on these busy roads.
Collision damage is the most common claim, accounting for 35% of cases with an average cost of $3,200. For additional protection, consider auto insurance vandalism coverage to guard against theft and vandalism, which make up 25% of claims.
5 Common Auto Insurance Claims in Massachusetts
| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Collision Damage | 35% | $3,200 |
| Comprehensive (Theft/Vandalism) | 25% | $1,800 |
| Bodily Injury Liability | 20% | $15,000 |
| Property Damage Liability | 15% | $2,500 |
| Uninsured Motorist Claims | 5% | $4,000 |
If you’re looking for auto insurance rates in Massachusetts, balance the cost with adequate coverage. Knowing local risks will help you choose the best policy for your needs.
Affordable Insurance Options in Massachusetts
Drivers in Massachusetts can save on auto insurance with various discounts. Providers like Allstate, Geico, and Progressive offer savings for safe driving, good student status, and bundling policies.
Auto Insurance Discounts From the Top Providers in Massachusetts
| Insurance Company | Available Discounts |
|---|---|
| Safe Driver, Multi-policy, New Car, Anti-theft, Good Student, Anti-lock Brakes, Passive Restraints, Early Signing, Responsible Payer, Drivewise |
| Multi-vehicle, Early Bird, Defensive Driver, Low Mileage, Good Student, Loyalty, Bundling, Generational, Auto Safety Features |
| Good Driver, Multi-vehicle, Homeowner, Bundling, Occupational, Signal App, Safe Driver, Paperless, Pay-in-Full |
| Multi-policy, Good Driver, Military, Emergency Deployment, Federal Employee, Anti-theft, Good Student, Daytime Running Lights, Defensive Driving Course |
| Early Shopper, Multi-policy, Good Student, Alternative Energy, Anti-theft, New Graduate, Military, Accident-free, RightTrack |
| SmartRide, Accident-free, Multi-policy, Anti-theft, Good Student, Paperless, Pay-in-Full, Defensive Driving, Affinity Group |
| Snapshot, Multi-policy, Homeowner, Continuous Insurance, Teen Driver, Paperless, Pay-in-Full, Good Student, Online Quote |
| Good Driver, Accident-free, Multi-policy, Safe Vehicle, Drive Safe & Save, Good Student, Defensive Driving, Anti-theft |
| IntelliDrive, Multi-policy, Good Student, New Car, Homeowner, Safe Driver, Pay-in-Full, Early Quote, Multi-car |
| Military, Safe Driver, Multi-policy, Loyalty, New Vehicle, Annual Mileage, Defensive Driving, Family Discount, Storage Vehicle |
The Progressive Snapshot program review reveals that safe driving can lead to rewards through its telematics program. Other discounts apply to anti-theft devices, defensive driving courses, and military members.
When comparing quotes, Massachusetts car insurance rates vary by town; Boston and Worcester have different prices, good driver discounts of up to 25%, and multi-vehicle savings of up to 20%.
Massachusetts Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Good Driver Discount | A | 25% | Geico, Progressive, State Farm |
| Multi-Vehicle Discount | A- | 20% | Allstate, Liberty Mutual, Geico |
| Bundling Discount | B+ | 20% | Liberty Mutual, Progressive |
| Defensive Driving Course | B | 10% | State Farm, Allstate |
| Student Discount | B- | 15% | Progressive, Geico, Nationwide |
| Low Mileage Discount | C+ | 10% | Allstate, Liberty Mutual |
| Military Discount | C | 15% | USAA, Geico |
Drivers can get the best deals by using local discounts and knowing the pricing trends. There are many opportunities to reduce premiums, whether by bundling policies or using paperless billing.
Minimum Car Insurance Coverage in Massachusetts
You need to understand the minimum car insurance in Massachusetts to qualify for state requirements and fully protect yourself. With the no-fault auto insurance system, understanding what you need is essential.
Follow these five steps to find minimum car insurance coverage in Kansas.
- Understand No-Fault Auto Insurance: In Massachusetts, no-fault auto insurance requires drivers to file claims with their insurer, regardless of who caused the accident, ensuring quicker recovery.
- Know the Minimum Liability Coverage: Massachusetts requires a minimum of $20,000 for bodily injury, $40,000 per accident, and $5,000 for property damage to pay for damages resulting from the driver.
- Meet Personal Injury Protection (PIP) Requirements: Drivers must carry $8,000 in personal injury protection (PIP) to cover medical costs and lost wages for themselves and passengers after an accident.
- Add Uninsured Motorist Coverage: Massachusetts requires uninsured motorist coverage at $20,000/person and $40,000/ accident to protect against accidents caused by uninsured or hit-and-run drivers.
- Consider Optional Coverage for Extra Protection: If you’re looking for cheap car insurance in Massachusetts, optional collision or comprehensive coverage can help protect your vehicle and provide peace of mind.
When equipped with the proper knowledge, finding the right auto insurance in Massachusetts becomes easier and ensures you’re covered. Constantly evaluate your coverage needs to ensure you’re protected, no matter what happens on the road.
Additional Liability Coverage in Massachusetts
In auto insurance in Massachusetts, drivers can choose from various coverage options to protect themselves. These include bodily injury liability insurance, which covers medical expenses for those injured when the driver is at fault.
Additional Liability Coverage in Massachusetts
| Coverage Option | Description |
|---|---|
| Bodily Injury to Others | Covers injuries to others when you're at fault |
| Personal Injury Protection | Covers medical expenses for you and passengers |
| Property Damage | Covers damage to others' property when you're at fault |
| Uninsured Motorist | Covers accidents with uninsured drivers |
| Underinsured Motorist | Covers accidents with drivers who lack sufficient coverage |
| Medical Payments | Covers medical expenses for you and passengers |
| Comprehensive Coverage | Covers non-collision damages like theft or weather |
| Collision Coverage | Covers damage to your vehicle in a collision |
| Rental Reimbursement | Covers rental car costs while your car is being repaired |
| Towing and Labor Coverage | Covers towing and labor costs after a breakdown or accident |
Personal injury protection also covers medical costs for the driver and passengers. Additionally, drivers can select property damage, uninsured, and underinsured motorist coverage for accidents involving drivers with insufficient or no insurance.
Comprehensive and collision coverage protects against vehicle damage from non-collision incidents or crashes. Rental reimbursement towing and labor coverage assist with rental car costs and breakdowns.
Massachusetts Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Affordability | A | Massachusetts has lower-than-average premiums compared to national rates. |
| Coverage Options | A- | Wide variety of coverage options tailored to drivers' needs. |
| Discounts | B+ | Good discounts available, but not as many as in some other states. |
| Claims Processing | B | Claims are processed relatively quickly but can vary by insurer. |
| Customer Satisfaction | B- | Customer reviews are mixed; some complaints about communication delays. |
| Availability | C+ | Fewer providers operate in Massachusetts due to state regulations. |
Massachusetts auto insurance rates are lower than the national average, offering affordable premiums. However, state regulations limit the number of available insurance providers.
Cheapest Rates by Cities in Massachusetts
Auto insurance in Massachusetts is highly varied depending on the city. The lowest premiums are in New Bedford, Beverly, and Brockton, where the minimum coverage is $70. Full coverage in Quincy, Lowell, and Worcester is within a reasonable range of $180 to $215.
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Cities like Boston, Arlington, and Brookline are pricier, and full coverage may reach as high as $270 in Boston. Cambridge and Lexington also report steeper rates, showing the difference in cost across the state.
USAA stands out for its value to military families, offering not only low rates but also specialized coverage options like rental reimbursement and roadside assistance.
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Roxbury, a Boston neighborhood, has very high premiums, making it one of the most expensive areas. These variations emphasize how Massachusetts auto insurance rates are heavily influenced by location, requiring drivers to compare options for cheap car insurance rates.
Affordable Car Insurance Options in Massachusetts
The top providers of cheap auto insurance in Massachusetts, USAA, Geico, and State Farm, offer rates starting at just $21 per month. These providers offer various coverage options, including discounts for military families and safe drivers. The safe driver discount helps those with clean records save even more.
Insurance costs vary by city, but the lowest rates are in New Bedford and Brockton. Massachusetts drivers can find affordable, reliable coverage that meets the state’s requirements by comparing quotes and using discounts. Stop overpaying for auto insurance. Enter your ZIP code to find out if you can get a better deal.
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Frequently Asked Questions
What is the minimum car insurance coverage required in Massachusetts?
Massachusetts requires drivers to avail of personal injury protection (PIP), property damage liability, bodily injury liability, and uninsured motorist coverage.
What makes USAA, Geico, and State Farm stand out among Massachusetts auto insurance providers?
USAA offers exclusive benefits for military families, Geico provides substantial online savings, and State Farm excels in personalized customer service, making them top choices for affordability and reliability.
How do auto insurance rates vary across cities in Massachusetts?
Car insurance rates in Massachusetts vary. New Bedford has lower premiums, while Boston and Arlington have higher full coverage costs. The cost of car insurance in MA depends on location, driving history, and coverage needs.
What discounts can drivers in Massachusetts use to save on auto insurance?
Drivers can benefit from safe driving programs, good student discounts, policy bundling, and anti-theft device discounts.
Which insurance provider offers the best value for military families?
USAA offers exclusive benefits and competitive rates for military families, often beating the average car insurance in Massachusetts, making it a top choice for eligible members.
What are the most common types of insurance claims in Massachusetts?
Collision claims are the most common, accounting for 35% of claims, followed by vandalism and theft, which comprise 25%. Use our free comparison tool to see what auto insurance quotes look like in your area.
What is the benefit of telematics programs like Progressive’s Snapshot?
Telematics programs track driving habits, such as speed and mileage, offering discounts to safe drivers based on their performance. Read our Tesla telematics program review for more insights.
What is the average cost of collision claims in Massachusetts?
The average cost of a collision claim in Massachusetts is approximately $3,200. Get fast and cheap auto insurance coverage today with our quote comparison tool.
Which cities have the lowest premiums for auto insurance in Massachusetts?
New Bedford, Beverly, and Brockton offer the lowest rates, with minimum coverage starting at $70. These cities could also be considered good options in addition to cheap auto insurance in Hopkinton.
How can Massachusetts drivers find the best auto insurance rates?
Drivers can compare quotes, explore car insurance discounts, and assess local risks to secure affordable and reliable coverage.