Cheapest Car Insurance In Massachusetts For 2024
GEICO is known for offering exceptional, cheap car insurance in Massachusetts.
Looking for the most cost-effective car insurance in Massachusetts? GEICO shines as the top choice in insurance provision. With a reputation for offering competitive prices and reliable assistance, GEICO delivers unmatched value, whether you’re seeking liability-only or comprehensive coverage.
Navigating the insurance landscape can be challenging, but with the right tactics, you can discover ways to save without compromising on coverage. After a decade of studying car insurance policies closely, I’ve simplified our findings to help you navigate this complicated area. I’ve reviewed many top car insurance companies to give you the essential information you need.
Let’s explore some approaches and insights to help you find the most affordable options for your auto insurance needs in the Bay State.
Cheapest Car Insurance Companies In Massachusetts
Our Methodology
In conducting my research, I began by thoroughly reviewing the policies and offerings of numerous car insurance companies. I scrutinized each company's coverage options, pricing structures, and customer reviews to gain a comprehensive understanding of their services. Additionally, I analyzed industry reports and consulted with insurance experts to ensure the accuracy and reliability of my findings. This methodical approach allowed me to provide a well-rounded assessment of the car insurance market and offer valuable insights to help individuals make informed decisions.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
Cheapest Car Insurance In Massachusetts For Minimum Coverage: Vermont Mutual
Vermont Mutual has the cheapest rates for minimum coverage car insurance in Massachusetts, offering average monthly rates at $23.
| Provider | Average Monthly Cost | Average Annual Cost |
| Vermont Mutual | $23 | $275 |
| The Hanover | $24 | $290 |
| Plymouth Rock | $25 | $305 |
| Travelers | $32 | $381 |
| Norfolk & Dedham | $35 | $419 |
Minimum car insurance in Massachusetts offers the essential level of protection mandated by state law. It mainly consists of Personal Injury Protection (PIP) and Property Damage Liability (PDL). PIP covers medical expenses and lost wages for you and your passengers, while PDL handles damage costs to others’ property in accidents you cause. It’s a budget-friendly choice that meets legal obligations.
However, it’s crucial to understand its limitations. While it fulfills legal requirements and provides basic coverage, it doesn’t include collision or comprehensive insurance. This means damages to your vehicle from accidents, theft, or natural disasters aren’t covered. Drivers should weigh their needs and risks, considering additional coverage beyond the minimum for full protection.
Cheapest Car Insurance In Massachusetts For Full Coverage: GEICO
GEICO has the cheapest rates for full coverage car insurance in Massachusetts, offering average monthly rates at $95.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $95 | $1,136 |
| Plymouth Rock | $97 | $1,169 |
| Norfolk & Dedham | $124 | $1,486 |
| Vermont Mutual | $125 | $1,500 |
| Progressive | $151 | $1,816 |
In Massachusetts, opting for full coverage car insurance provides drivers with comprehensive protection against various risks on the road. This robust policy not only includes mandatory coverage like Personal Injury Protection (PIP) and Property Damage Liability (PDL) but also extends to collision and comprehensive coverage.
Collision coverage safeguards against damages to your vehicle resulting from accidents, regardless of fault, while comprehensive coverage protects against non-collision incidents such as theft, vandalism, and natural disasters.
Full coverage is especially beneficial for drivers with newer or high-value vehicles, ensuring peace of mind and financial security in the event of unforeseen circumstances. While the cost of full coverage may be higher than minimum coverage, the extensive protection it offers makes it a prudent investment for safeguarding your vehicle and assets.
Cheapest Car Insurance For Drivers With Poor Credit: Allstate
Allstate has the cheapest rates for drivers with poor credit in Massachusetts, offering average monthly rates at $72.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $72 | $862 |
| Farmers | $184 | $2,212 |
| Chubb | $117 | $1,403 |
| Amica | $178 | $2,133 |
| Allstate | $231 | $2,769 |
Finding affordable car insurance rates in Massachusetts can be a bit of a hassle for drivers with poor credit. Insurers often use credit scores as a factor in determining premiums, and individuals with lower credit scores may face higher rates. However, it’s not impossible to find competitive rates with some research and comparison shopping.
Some insurance providers have customized their services to better suit this group, offering rates that are more competitive and less punitive toward individuals with poor credit compared to conventional policies. These companies typically take a broader view when assessing risk, taking into account factors like driving record, location, and vehicle type.
Drivers in this situation should explore different insurance providers and consider options such as discounts or specialized programs aimed at helping drivers improve their rates over time.
Cheapest Car Insurance In Massachusetts For Seniors: GEICO
GEICO has the cheapest rates for seniors in Massachusetts, offering average monthly rates at $121.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $121 | $1,449 |
| The Hanover Insurance Group | $123 | $1,470 |
| Progressive | $137 | $1,645 |
| Metropolitan Group | $143 | $1,720 |
| Allstate | $153 | $1,841 |
Seniors in Massachusetts have opportunities to find competitive car insurance rates due to different reasons. Despite the common assumption that age may lead to diminished driving abilities, many seniors maintain exemplary records on the road. Insurers recognize and appreciate this, often offering reduced premiums to experienced senior drivers with clean driving histories.
Moreover, certain insurance providers extend tailored discounts to seniors based on various criteria, such as age, vehicle usage patterns, and completion of defensive driving courses. These courses not only serve as valuable refresher programs but also contribute to safer driving practices among senior motorists.
By actively engaging in such initiatives, seniors can not only enhance their driving skills but also enjoy the added benefit of discounted insurance rates, making their driving experience both safer and more affordable.
Cheapest Car Insurance In Massachusetts For Young Drivers
In Massachusetts, young adult drivers often enjoy more affordable car insurance rates compared to teenagers. This difference in pricing stems from the maturation of driving habits as drivers grow older, leading to fewer risky behaviors on the road.
Data shows that young adults are statistically less prone to filing claims with insurance companies, indicating a lower likelihood of being involved in accidents. As a result, insurers adjust premiums downward, acknowledging the improved safety records and reduced likelihood of claims from these more seasoned drivers.
This trend not only reflects positively on the responsible driving behaviors of young adults but also offers them financial benefits in the form of lower insurance costs, contributing to their overall affordability and peace of mind on the road.
Cheapest Massachusetts Car Insurance For 16-Year-Olds: GEICO
GEICO has the cheapest rates for 16 year-olds, with an average monthly premium of $485.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $485 | $5,818 |
| Travelers | $525 | $6,303 |
| Progressive | $656 | $7,873 |
| Amica | $718 | $8,613 |
| Plymouth Rock Insurance | $757 | $9,087 |
Cheapest Massachusetts Car Insurance For 17-Year-Olds: GEICO
GEICO has the cheapest rates for 17 year-olds, with an average premium of $525.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $525 | $6,296 |
| Metropolitan Group | $572 | $6,867 |
| Travelers | $606 | $7,277 |
| Amica | $662 | $7,947 |
| The Hanover Insurance Group | $671 | $8,051 |
Cheapest Massachusetts Car Insurance For 18-Year-Olds: GEICO
GEICO has the cheapest rates for 18 year-olds, with an average monthly premium of $501.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $501 | $6,007 |
| Metropolitan Group | $551 | $6,608 |
| Travelers | $560 | $6,714 |
| The Hanover Insurance Group | $593 | $7,121 |
| Progressive | $644 | $7,732 |
Cheapest Massachusetts Car Insurance For 21-Year-Olds: GEICO
GEICO has the cheapest rates for 21 year-olds, with an average monthly premium of $298.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $298 | $3,581 |
| Metropolitan Group | $323 | $3,875 |
| Progressive | $333 | $4,001 |
| The Hanover Insurance Group | $334 | $4,010 |
| Amica | $389 | $4,669 |
Cheapest Car Insurance In Massachusetts For Good Drivers: Progressive
Drivers who never get into accidents or break traffic rules usually pay less for car insurance. Insurance companies look at your driving history. If you haven’t had any accidents or tickets, they see you as less risky. This positive profile signifies responsible and safe driving, implying a diminished likelihood of future claims.
As a result, insurers extend more attractive premiums to these drivers, reflecting the reduced financial risk they present. For those who consistently obey traffic laws and exhibit cautious driving habits, this translates into significant savings on car insurance premiums over time.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $148 | $1,776 |
| GEICO | $151 | $1,815 |
| Farmers | $167 | $2,006 |
| Amica | $180 | $2,156 |
| The Hanover Insurance Group | $199 | $2,388 |
Cheapest Car Insurance In Massachusetts For Drivers With Prior Incidents
Drivers in Massachusetts with a record of past incidents like accidents, speeding tickets, or DUIs often face difficulties finding affordable car insurance. These incidents label them as high-risk to insurance companies. Because of the increased chance of future claims, insurers usually raise premiums for such drivers.
This trend is especially notable in Massachusetts, where traffic incidents are more frequent than in other states. Insurers base this pricing on statistical data and risk assessments, which show that a history of driving incidents predicts a higher likelihood of future claims.
Cheapest Car Insurance For Drivers With A Speeding Ticket: GEICO
GEICO has average premiums of $168, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $168 | $2,021 |
| Progressive | $189 | $2,265 |
| Farmers | $210 | $2,524 |
| Allstate | $211 | $2,535 |
| Amica | $215 | $2,585 |
Cheapest Auto Insurance For Drivers With An At-Fault Accident: Progressive
Progressive has average premiums of $173, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $219 | $2,627 |
| Amica | $291 | $3,496 |
| GEICO | $292 | $3,501 |
| Plymouth Rock | $325 | $3,900 |
| Farmers | $327 | $3,926 |
Cheapest Car Insurance In Massachusetts For Drivers After A DUI: Progressive
Progressive has average premiums of $176, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $176 | $2,109 |
| GEICO | $292 | $3,501 |
| Plymouth Rock | $342 | $4,099 |
| Travelers | $351 | $4,209 |
| Arbella | $455 | $5,465 |
Average Cost Of Auto Insurance In Massachusetts – By Age
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $420 | $5,045 |
| 17 | $375 | $4,506 |
| 18 | $361 | $4,333 |
| 19 | $221 | $2,656 |
| 21 | $120 | $1,450 |
| 25 | $92 | $1,110 |
| 35 | $200 | $2,430 |
| 45 | $194 | $2,328 |
| 55 | $186 | $2,230 |
| 65 | $78 | $944 |
| 75 | $76 | $918 |
Average Cost Of Car Insurance In Massachusetts – By Gender & Marital Status
| Gender | Marital Status | Average Annual Cost |
| Female | Single | $1,250 |
| Male | Single | $1,450 |
| Female | Married | $1,300 |
| Male | Married | $1,100 |
Average Cost Of Auto Insurance In Massachusetts – By Credit Tier
| Credit Tier | Average Monthly Cost | Average Annual Cost |
| Excellent | $95 | $1,150 |
| Good | $95 | $1,150 |
| Fair | $95 | $1,150 |
| Poor | $95 | $1,150 |
* In Massachusetts, your credit score doesn’t influence your insurance rates because state laws prohibit insurers from considering credit history when determining pricing.
Average Cost Of Car Insurance In Massachusetts – By City
| City | Average Monthly Cost | Average Annual Cost |
| Boston | $313 | $3,753 |
| Worcester | $292 | $3,504 |
| Springfield | $310 | $3,717 |
| Cambridge | $254 | $3,044 |
| Lowell | $248 | $2,981 |
| Brockton | $394 | $4,726 |
Minimum Car Insurance Requirement In Massachusetts
In Massachusetts, the state mandates certain minimum car insurance requirements to ensure drivers have basic protection in case of accidents. These requirements include:
- Bodily Injury Liability Coverage: $20,000 per person and $40,000 per accident.
- Property Damage Liability Coverage: $5,000 per accident.
Additionally, Personal Injury Protection (PIP) coverage is mandatory, providing benefits for medical expenses, lost wages, and essential services resulting from a car accident, regardless of fault.
PIP coverage is designed to offer financial support to drivers and passengers involved in accidents, helping cover medical costs and lost income during recovery. These minimum coverage amounts aim to ensure that drivers have essential protection in place while operating a vehicle on Massachusetts roads.
Car Insurance Discounts In Massachusetts
When you look for car insurance, it’s smart to find companies that give discounts tailored to you. Also, talking to your insurance agent might show you discounts you’re missing. Here’s more about the usual discounts from top car insurance companies:
- Good Driver Discount: Reward for having a clean driving record with no accidents or violations.
- Multi-Policy Discount: Savings for bundling car insurance with other policies like home insurance.
- Good Student Discount: Reduced rates for students who maintain good grades in school.
- Low Mileage Discount: Savings for driving fewer miles, indicating lower risk of accidents.
- Safety Feature Discount: Reduced rates for vehicles equipped with safety features like airbags and anti-lock brakes.
- Anti-Theft Device Discount: Savings for having anti-theft devices installed in your vehicle.
- Defensive Driving Course Discount: Discount for completing a defensive driving course, showing commitment to safe driving practices.
FAQs
How much is car insurance a month in Massachusetts?
The average cost of car insurance per month in Massachusetts varies based on factors like age, driving record, and coverage levels. It can range from around $80 to $300 or more.
What is the minimum car insurance one must have in Massachusetts?
The minimum car insurance required in Massachusetts includes:
- Bodily Injury Liability: $20,000 per person, $40,000 per accident
- Property Damage Liability: $5,000 per accident
- Personal Injury Protection (PIP): $8,000 per person, per accident
Which insurance is better in Massachusetts?
The “better” insurance in Massachusetts depends on individual needs and preferences. It’s essential to compare quotes from different insurers and consider factors such as coverage options, customer service, and pricing to determine which insurance best fits your requirements.
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