Key Takeaways

• Dairyland, National General, Safeco and Progressive are some of the cheapest car insurance companies in Massachusetts.
• The average cost of minimum coverage in Massachusetts is around $200 per month.
• Compare companies to get the cheapest car insurance quotes in Massachusetts.

The cheapest car insurance quotes in Massachusetts come from companies like Dairyland, National General, Safeco and Progressive, according to policies for Jerry customers.

We’ve included more affordable options below, including quotes for minimum and full coverage, plus age and driving history.

Cheap minimum coverage in Massachusetts

Massachusetts drivers seeking the most affordable form of auto insurance often rely on minimum liability coverage. This limited policy pays for damages or injuries you may cause to others, while repairs to your own vehicle remain uncovered. It’s ideal for drivers focused on meeting legal obligations without additional coverage features. To find the best rate, residents should explore various insurance options across the state.

Below are ten recent minimum coverage car insurance quotes in Massachusetts for Jerry customers.

Read more: Cheapest car insurance in Boston, MA

Massachusetts minimum car insurance requirements

Minimum coverage includes only Massachusetts’s state-mandated auto insurance requirements, which are:

• $25,000 in bodily injury liability per person.
• $50,000 in bodily injury liability per accident.
• $30,000 in property damage liability.
• $8,000 in personal injury protection.
• Uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.

Cheap full coverage car insurance in Massachusetts

Getting affordable full coverage car insurance in Massachusetts means finding a policy that offers both thorough protection and a manageable premium. Full coverage often includes liability, collision and comprehensive coverage. These guard against car accidents, flooding, vandalism and more so you’re protected no matter who’s at fault. While this type of insurance comes at a higher cost than state minimums, it’s essential for valuable vehicles.

Below are the ten cheapest car insurance rates in Massachusetts for full coverage, based on real quotes for Jerry customers.

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

• 35-45 years old.
• Clean driving record.
• $50,000 in bodily injury liability, per person.
• $100,000 in bodily injury liability, per accident.
• $1,000 deductible for comprehensive and collision insurance.

Minimum vs. full coverage in Massachusetts

Minimum coverage is the most affordable car insurance you can get, but also the most limited. It won’t pay for damage to your own car, and your liability limits may not be enough to completely cover costs for others’ injuries or property damage if you cause a severe crash.

Full coverage costs more than minimum coverage, but offers more financial protection. It pays for damage to your car after a collision, regardless of who was at fault, plus damage from other events like vandalism and natural disasters.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

In Massachusetts, full coverage includes collision and comprehensive insurance, plus the state-mandated coverage. 

• Liability insurance: Covers injuries or property damage you cause in an accident.
• Collision coverage: Pays for repairs to your vehicle after an accident, regardless of who is responsible.
• Comprehensive coverage: Pays for damage caused by non-collision events, like weather-related incidents and theft.

Average car insurance costs for young drivers in Massachusetts

In Massachusetts, age plays a major role in determining auto insurance rates, particularly for newer drivers. Providers charge more because younger drivers are statistically involved in more incidents. Younger drivers and their families can explore ways to save by bundling with family policies or maintaining good grades.

Below are the average costs of car insurance in Massachusetts for young driver age groups, according to Jerry data. 

Cheap minimum coverage in Massachusetts for a 20-year-old

Massachusetts drivers who are 20 years old might choose liability-only insurance to keep their premiums manageable. For those with minimal assets or older vehicles, full coverage may not offer good value. Liability policies provide a legally sufficient and cost-friendly solution.

Below are real quotes for 20-year-olds with minimum coverage, according to Jerry’s data.

Cheap full coverage in Massachusetts for a 20-year-old

A 20-year-old in Massachusetts might benefit from full coverage to protect their vehicle if it has a high value and they drive often. This type of insurance helps take financial pressure off after an incident and it’s a thoughtful choice for young drivers working to stay financially stable.

Below are recent auto insurance quotes for 20-year-old drivers with full coverage, according to Jerry.

Average auto insurance costs for mature drivers in Massachusetts (25-54)

Massachusetts drivers with extensive road experience often enjoy reduced insurance costs due to their age and consistent behavior. They’re less likely to make costly errors or take unnecessary risks and insurers value this type of customer for their lower likelihood of claims.

Below is the average cost of car insurance for mature drivers, according to Jerry.

Cheapest minimum coverage in Massachusetts for a 35-year-old

A 35-year-old in Massachusetts might consider liability-only insurance if their car isn’t worth the cost of full coverage. With years of experience navigating everything from city streets to rural roads, they know how to manage the risks of driving. This decision keeps insurance bills manageable without compromising on legal compliance.

These are the five cheapest car insurance companies in Massachusetts for a 35-year-old driver with minimum coverage.

Cheapest full coverage in Massachusetts for a 35-year-old

In Massachusetts, a 35-year-old might choose full coverage auto insurance to cover a car that is of high value. Comprehensive policies help minimize repair costs from everyday mishaps and it’s a practical move for anyone who drives regularly in unpredictable conditions.

Here are the five most affordable auto insurers for 35-year-olds with full coverage.

Average car insurance costs for older drivers in Massachusetts (55+)

Drivers over 55 in Massachusetts might experience higher auto insurance costs due to changing physical and cognitive abilities. Insurers reflect this evolving risk with updated policy pricing as drivers age.

The table below shows the average cost of auto insurance in Massachusetts for drivers 55 and older.

Cheapest minimum coverage in Massachusetts for a 65-year-old

Older drivers in Massachusetts often find liability-only insurance more practical once their driving becomes less frequent. With a car that’s already paid off, full coverage might not be cost-effective and liability coverage handles the legal basics without stretching the budget.

Below are recent car insurance quotes in Massachusetts for 65-year-old drivers with minimum coverage.

Cheapest full coverage in Massachusetts for a 65-year-old

For a 65-year-old in Massachusetts, full coverage insurance offers protection against traffic accidents and winter weather hazards. Protecting retirement savings by avoiding surprise repair costs may be a top concern, especially for seniors who depend on their vehicles for appointments and social activities.

Here are Jerry’s most recent auto insurance quotes in Massachusetts for 65-year-olds with full coverage.

Cheapest car insurance in Massachusetts by driving history

Your driving record plays a big part in determining how much you’ll pay for an auto policy. Drivers with clean records usually pay much less than those with a speeding ticket or DUI. If you do get a driving violation, compare quotes from multiple insurers to find the best price. You may find a more affordable policy than your current insurer offers.

Cheap car insurance for drivers with clean records in Massachusetts

Drivers in Massachusetts with no history of violations are often seen as ideal candidates by insurers. This kind of record suggests responsibility and consistent caution and it can make a positive difference in pricing and options.

Below are the five cheapest companies, on average, for Massachusetts drivers with a clean driving record.

Cheapest car insurance with a speeding ticket in Massachusetts

A speeding ticket in Massachusetts may affect how insurers assess your driving profile. It’s a sign that safety rules were not followed, even if briefly and this can lead to modified rates or terms depending on your driving history. Each infraction adds another layer to your record that is taken into account.

Below are real car insurance quotes for Jerry customers with a speeding ticket on their record.

Cheapest car insurance after an at-fault accident with no injury in Massachusetts

Being found at fault in an accident with no injuries in Massachusetts can still have policy consequences. Insurers consider the costs associated with property damage and legal processing even when no one is hurt. These events often result in some form of premium adjustment.

Below are the most affordable companies in Massachusetts for drivers with an at-fault accident with no injuries on their record, according to Jerry’s data.

Cheapest auto insurance after an at-fault accident with injury in Massachusetts

An injury-related accident where you're at fault is treated as a serious matter by insurers. It typically involves significant claims and liability concerns and insurance providers may respond with stricter terms and elevated premiums. This type of event impacts your long-term risk profile.

Here are monthly quotes for Jerry customers with an at-fault accident with injury on their driving record.

Cheapest car insurance with a DUI in Massachusetts

A DUI in Massachusetts is a major red flag for insurers. It shows a severe violation of road safety laws and endangers others. As a result, you may face restricted policy options and increases in rates for several cycles.

These are recent car insurance quotes in Massachusetts for drivers with a DUI on their record.

Average auto insurance costs for Massachusetts drivers with other violations

Other violations, like texting while driving or ignoring traffic rules, can accumulate and affect your insurance too. These behaviors indicate a pattern of unsafe practices and insurers include them in your risk profile. The more they appear, the more they shape your coverage possibilities.

Below are average monthly quotes for Massachusetts drivers with other violations on their record.

How to find cheap car insurance quotes in Massachusetts

The best way to find cheap auto insurance is to compare quotes from at least three insurers. Drivers in Massachusetts can switch insurers if they find a cheaper offer, even before their policy renews. You may be charged a penalty by your current insurer if you switch companies while your current policy is still active, so make sure your savings offset any potential fees.

Be sure a new policy is valid before canceling your current one to avoid an insurance lapse, which can increase your rates.

Ways to lower your car insurance premium

Here are some tips to save on auto insurance:

• Ask your insurer about discounts you may be missing out on.
• Take a defensive driving course. 
• Install a telematic device in your vehicle or on your phone. 
• Avoid reckless driving, speeding and driving under the influence.
• Bundle your auto insurance with other policies, like home or renters insurance.

Factors that determine your car insurance premium

Insurance companies use various factors to calculate car insurance costs. However, Massachusetts law prohibits insurers from using age, credit score, gender, marital status and occupation to determine rates. 

Here are some factors that insurers may use to price Massachusetts policies:

• ZIP code.
• Driving record.
• Claims history.
• Type of vehicle.
• Deductible chosen.

Cheapest car insurance data methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

On this page

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes