Cheapest Car Insurance For College Students in Massachusetts 2026
GEICO is one of the best car insurance companies for college students in Massachusetts. GEICO is also the cheapest provider, with an average annual rate of $2,436.
We’ve saved shoppers an average of $600 per year on their car insurance.
Young drivers—especially those under 25—often face the steepest car insurance premiums. Insurers typically classify this age group as higher risk, which makes finding budget‑friendly coverage a real challenge for college students trying to balance tuition, living expenses, and transportation costs.
To help ease the search, we reviewed the top providers in Massachusetts and found that GEICO consistently offers the most competitive rates for students. On average, college drivers can expect annual premiums around $2,436, making it one of the most wallet‑friendly options in the state. For those seeking full coverage protection, GEICO still leads the pack, with policies averaging $2,604 per year—a standout choice for students who want comprehensive coverage without breaking the bank.
Key Takeaways
Student drivers in Massachusetts must have car insurance that meets the state’s minimum requirements.
GEICO offers the cheapest insurance policy for students in Massachusetts, at an average annual rate of $2,436.
There are multiple ways to reduce the cost of car insurance for students in Massachusetts.
Best Car Insurance Companies For College Students In Massachusetts
When selecting car insurance for college students in Massachusetts, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.
Use the table below to see our picks for the best auto insurers for students in Massachusetts.
| Company | Average Rate Per Year |
| Safety Insurance | $2,736 |
| GEICO | $2,436 |
| Plymouth Rock | $2,652 |
| Progressive | $2,820 |
| State Farm | $2,508 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Liability-Only Car Insurance For College Students In Massachusetts
Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.
Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.
As you can see from the table below, Safety Insurance is the cheapest average option at $936 per year.
| Company | Average Rate Per Year |
| Plymouth Rock | $1,020 |
| Safety Insurance | $936 |
| Arbella Insurance | $1,104 |
| GEICO | $972 |
| Progressive | $1,068 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Full Coverage Car Insurance For College Students In Massachusetts
College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.
While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.
GEICO is the cheapest full coverage car insurance policy for students in Massachusetts, at an average annual rate of $2,604.
| Company | Average Rate Per Year |
| GEICO | $2,604 |
| Safety Insurance | $3,168 |
| State Farm | $2,460 |
| Plymouth Rock | $3,012 |
| Progressive | $3,312 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Low-Mileage In Massachusetts
If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.
The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.
Use the table below to view the cheapest low-mileage rates for college drivers in Massachusetts.
| Company | Average Rate Per Year |
| Progressive | $1,320 |
| Allstate | $1,080 |
| GEICO | $1,140 |
| State Farm | $1,260 |
| Nationwide | $1,056 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Driving Violations In Massachusetts
Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.
One way to mitigate the damage of a driving violation is to work with a company like State Farm that specializes in insuring motorists with a history of tickets or accidents.
| Company | Average Rate Per Year |
| State Farm | $1,404 |
| Plymouth Rock | $1,944 |
| Safety Insurance | $2,820 |
| GEICO | $1,716 |
| The Hanover | $2,640 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For College Students In Massachusetts – By City
Where you live in Massachusetts can have a significant impact on your car insurance premiums.
Use the table below to view average rates for different cities in Massachusetts.
| City | Average Monthly Cost |
| Boston | $265 |
| Worcester | $245 |
| Cambridge | $260 |
| Springfield | $225 |
| Lowell | $235 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 18-Year-Old College Students In Massachusetts
State Farm offers the cheapest rates for 18-year-old college drivers in Massachusetts, at an average monthly cost of $502.
| Car Insurance Provider | Average Monthly Cost |
| Progressive | $546 |
| GEICO | $525 |
| Safety Insurance | $551 |
| State Farm | $502 |
| Plymouth Rock | $580 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 19-Year-Old College Students In Massachusetts
GEICO provides the cheapest policy for 19-year-old college students in Massachusetts, averaging $377 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $382 |
| Plymouth Rock | $430 |
| GEICO | $377 |
| Safety Insurance | $414 |
| Progressive | $410 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 20-Year-Old College Students In Massachusetts
The cheapest auto insurance rates for a 20-year-old college driver can be found with GEICO, averaging $335 per month.
| Car Insurance Provider | Average Monthly Cost |
| Plymouth Rock | $379 |
| GEICO | $335 |
| Progressive | $368 |
| Safety Insurance | $360 |
| State Farm | $341 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 21-Year-Old College Students In Massachusetts
The most affordable college student car insurance policy for a 21-year-old can be found at GEICO, with an average monthly cost of $295.
| Car Insurance Provider | Average Monthly Cost |
| Progressive | $315 |
| Safety Insurance | $306 |
| Plymouth Rock | $328 |
| State Farm | $302 |
| GEICO | $295 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 22-Year-Old College Students In Massachusetts
22-year-old student car insurance can be found from $260 per month, with a GEICO auto policy.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $273 |
| Progressive | $285 |
| Safety Insurance | $278 |
| GEICO | $260 |
| Plymouth Rock | $305 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 23-Year-Old College Students In Massachusetts
23-year-old college drivers can find affordable insurance from GEICO at an average monthly cost of $235.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $247 |
| Safety Insurance | $259 |
| GEICO | $235 |
| Progressive | $260 |
| Plymouth Rock | $281 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 24-Year-Old College Students In Massachusetts
The cheapest car insurance policy for a 24-year-old college student is $217 per month, which can be found with GEICO.
| Car Insurance Provider | Average Monthly Cost |
| Progressive | $244 |
| State Farm | $226 |
| Safety Insurance | $235 |
| GEICO | $217 |
| Plymouth Rock | $262 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 25-Year-Old College Students In Massachusetts
GEICO offers the cheapest auto policies for 25-year-old college students in Massachusetts at $172 per month.
| Car Insurance Provider | Average Monthly Cost |
| Progressive | $193 |
| GEICO | $172 |
| Safety Insurance | $195 |
| Plymouth Rock | $200 |
| State Farm | $184 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance On Family Policy Vs. Individual Policy
| Insurance Company | Family Policy | Individual Student Policy |
| State Farm | $165 | $340 |
| GEICO | $155 | $335 |
| Safety Insurance | $185 | $360 |
| Plymouth Rock | $195 | $380 |
| Progressive | $180 | $365 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
How Can College Students Save Money On Car Insurance In Massachusetts
Car insurance in Massachusetts often feels like a financial burden for college students. Premiums are typically higher compared to drivers in their late 20s, which makes affordability a challenge. If staying on a parent’s or guardian’s policy isn’t an option, students need practical strategies to cut costs and keep monthly payments manageable.
Security And Safety Upgrades
One of the most effective ways to reduce insurance costs is by improving your vehicle’s safety features. Insurers often reward drivers who take proactive steps to protect their cars. Adding anti-theft devices such as alarms or steering wheel locks can lower premiums by up to $5%. Enhanced safety measures not only protect your car but also signal to insurance providers that you’re a lower-risk driver.
Student Discounts
Academic performance and responsible driving can translate into real savings. Many insurers offer a “good student” discount for maintaining strong grades. Beyond academics, students may qualify for:
- Distant student discounts (if you attend college far from home and rarely drive)
- Safe driver discounts for maintaining a clean record
- Driver’s education discounts for completing certified training courses
These incentives can make a noticeable difference in monthly payments, sometimes shaving off $50–$100 annually depending on the insurer.
Used vs. New Vehicles
While a shiny new car might seem appealing, it often comes with higher insurance costs. Newer models are more expensive to repair or replace, which drives up premiums. Opting for a reliable used car can significantly reduce coverage expenses. For example, insuring a modest used sedan may cost hundreds less per year compared to a brand-new SUV.
Affiliation Discounts
Campus involvement can pay off beyond social benefits. Membership in organizations such as fraternities, sororities, honor societies, or alumni associations may unlock exclusive discounts with certain insurers. These affiliation-based savings can reduce premiums by $25–$75 annually, depending on the provider.
How To Buy Car Insurance As A College Student In Massachusetts
For many Massachusetts college students, buying car insurance for the first time can feel overwhelming. Premiums are already higher for younger drivers, and navigating coverage requirements adds another layer of stress. Fortunately, comparison platforms such as Insuranceopedia simplify the process by letting you review multiple quotes in minutes. To make the experience smoother, here’s a clear roadmap to follow:
Step 1: Compare Multiple Quotes
Don’t settle for the first offer you see. Reviewing at least three different quotes from insurers ensures you’re getting the most competitive rate. Even small differences in coverage or discounts can save you $100–$300 annually.
Step 2: Decide How You’ll Purchase
Massachusetts students can buy policies online for convenience or work with a local agent for personalized guidance. Online platforms are fast and transparent, while agents may help you uncover discounts you didn’t know existed.
Step 3: Gather Essential Information
Before starting the application, collect all necessary details. This includes your vehicle’s make and model, driver’s license number, personal information for anyone on the policy, and your driving history. Having everything ready speeds up the process and avoids delays.
Step 4: Confirm Coverage Requirements
Massachusetts law requires minimum liability coverage, so make sure your policy meets state standards. Depending on your situation, you may also want to add collision or comprehensive coverage for extra protection.
Step 5: Finalize And Notify Your Previous Insurer
Once you’ve chosen the best option, complete the purchase and inform your old insurance company about the switch. This prevents billing overlaps and ensures your new policy is active without gaps.
Do College Students Need Their Own Insurance, Or Can They Stay On A Parent’s?
Car insurance requirements for Massachusetts college students aren’t always straightforward. Whether you can remain on a family policy or need to purchase your own depends on where you live and how your vehicle is registered. Let’s break down the key scenarios.
When Students Must Purchase Their Own Policy
A college student typically needs separate coverage once they establish a permanent address different from their parents. If you register your car at that new address or live off-campus full-time, insurers will require you to carry your own policy. This ensures your coverage reflects your actual driving environment and risk profile.
Staying On A Family Policy
Unlike health insurance, auto insurance doesn’t impose an age cutoff. As long as you live at home or continue to use your parents’ permanent address while attending college, you can remain on their plan. This arrangement often saves money since family policies spread risk across multiple drivers.
Massachusetts Car Insurance Laws
Massachusetts is one of the many states requiring motorists to carry auto insurance if they plan on operating a vehicle. While most of the required coverages are similar to other places in the United States, Massachusetts drivers must also obtain Personal Injury Protection (PIP).
Massachusetts auto insurance requirements include:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $8,000 personal injury protection
- $20,000 uninsured/underinsured motorist bodily injury per person
- $40,000 uninsured/underinsured motorist bodily injury per accident
Compare College Student Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $3,460 |
| Alaska | $3,276 |
| Arizona | $3,412 |
| Arkansas | $3,557 |
| California | $4,016 |
| Colorado | $3,937 |
| Connecticut | $3,325 |
| Delaware | $3,663 |
| Florida | $4,294 |
| Georgia | $3,570 |
| Hawaii | $3,117 |
| Idaho | $3,028 |
| Illinois | $3,132 |
| Indiana | $3,115 |
| Iowa | $3,230 |
| Kansas | $3,500 |
| Kentucky | $3,828 |
| Louisiana | $4,483 |
| Maine | $2,775 |
| Maryland | $3,346 |
| Massachusetts | $3,326 |
| Michigan | $3,952 |
| Minnesota | $3,511 |
| Mississippi | $3,608 |
| Missouri | $3,582 |
| Montana | $3,793 |
| Nebraska | $3,502 |
| Nevada | $3,660 |
| New Hampshire | $2,865 |
| New Jersey | $3,502 |
| New Mexico | $3,649 |
| New York | $3,470 |
| North Carolina | $3,341 |
| North Dakota | $3,265 |
| Ohio | $3,017 |
| Oklahoma | $3,738 |
| Oregon | $3,278 |
| Pennsylvania | $3,472 |
| Rhode Island | $3,661 |
| South Carolina | $3,422 |
| South Dakota | $3,880 |
| Tennessee | $3,277 |
| Texas | $3,643 |
| Utah | $3,425 |
| Vermont | $2,919 |
| Virginia | $3,069 |
| Washington | $3,208 |
| West Virginia | $3,605 |
| Wisconsin | $3,264 |
| Wyoming | $3,358 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Our Methodology
To find the cheapest car insurance rates for college students in Massachusetts, we analyzed findings from numerous car insurance rating sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We also utilize the combined twenty-five years of experience from our team of insurance experts to evaluate each carrier.
It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on each driver.
About Doug Schaffer
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