Cheapest Car Insurance Quotes in Massachusetts for October 2025

Written by Ben Moore and 1 other
Updated Oct 14, 2025
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Cheapest Car Insurance Quotes in Massachusetts for October 2025

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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.

To find the best car insurance in Massachusetts, compare car insurance quotes from multiple insurers.

Compare cheap car insurance quotes in Massachusetts.

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.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Quote
33 Lexus Es 350 Geico $68 10/13/25
19 Jeep Wrangler Embark General $608 10/13/25
68 Jeep Wrangler Bristol West $127 10/13/25
25 Ford F-150 Bristol West $97 10/13/25
26 Honda Civic Bristol West $109 10/13/25
30 Toyota Rav4 Embark General $203 10/13/25
38 Toyota 4runner Bristol West $87 10/13/25
42 Gmc Sierra Bristol West $58 10/13/25
37 Chrysler 300 Embark General $205 10/13/25
17 Ford Focus Bristol West $203 10/13/25
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $138 $1,652
Anchor General $140 $1,684
First Acceptance $166 $1,991
Aspire Advantage $169 $2,022
Clearcover $179 $2,142
Safeco $185 $2,222
Liberty Mutual $229 $2,751
Geico $235 $2,820
National General $249 $2,984
Assurance America $261 $3,131
Last Updated October 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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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. 

Age Group
Avg Monthly Quote
Avg Annual Quote
18-20 $480 $5,757
21-24 $370 $4,437
$166 $1,991
$169 $2,022
$179 $2,142
$185 $2,222
$229 $2,751
$235 $2,820
$249 $2,984
$261 $3,131
Last Updated October 2025

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.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Quote
20 Lincoln Mkc Bristol West $140 10/08/25
20 Kia Forte Embark General $785 10/07/25
20 Honda Accord Embark General $325 10/07/25
20 Honda Civic Embark General $419 10/07/25
20 Subaru Legacy Bristol West $286 10/07/25
20 Jeep Wrangler Bristol West $153 10/04/25
20 Honda Accord Embark General $433 10/04/25
20 Infiniti G37 Embark General $321 10/03/25
20 Bmw 328i Bristol West $243 09/29/25
20 Toyota Camry Embark General $456 09/27/25
Last Updated October 2025

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.

Age
Car Make and Model
Insurance Company
Monthly Quote
Date of Quote
20 Lincoln Mkc Bristol West $350 10/08/25
20 Kia Forte Bristol West $924 10/07/25
20 Honda Accord Embark General $550 10/07/25
20 Honda Civic Embark General $765 10/07/25
20 Subaru Legacy Bristol West $502 10/07/25
20 Jeep Wrangler Bristol West $315 10/04/25
20 Honda Accord Geico $266 10/04/25
20 Infiniti G37 Bristol West $316 10/03/25
20 Bmw 328i Bristol West $766 09/29/25
20 Toyota Camry Bristol West $524 09/27/25
Last Updated October 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
25-34 $288 $3,459
35-44 $207 $2,479
45-54 $178 $2,139
$169 $2,022
$179 $2,142
$185 $2,222
$229 $2,751
$235 $2,820
$249 $2,984
$261 $3,131
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Liberty Mutual $86 $1,031
Geico $91 $1,094
Safeco $98 $1,174
Bristol West $104 $1,247
Embark General $202 $2,423
Bristol West $185 $2,222
Geico $229 $2,751
Bristol West $235 $2,820
Bristol West $249 $2,984
Bristol West $261 $3,131
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Liberty Mutual $181 $2,173
Safeco $208 $2,490
Geico $261 $3,131
Bristol West $268 $3,215
Embark General $366 $4,389
Bristol West $185 $2,222
Geico $229 $2,751
Bristol West $235 $2,820
Bristol West $249 $2,984
Bristol West $261 $3,131
Last Updated October 2025

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.

Age Group
Avg Monthly Quote
Avg Annual Quote
55-64 $160 $1,923
65+ $137 $1,649
45-54 $261 $3,131
$268 $3,215
$366 $4,389
$185 $2,222
$229 $2,751
$235 $2,820
$249 $2,984
$261 $3,131
Last Updated October 2025

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.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Quote
ROOT $66 65 Chevrolet Equinox 10/13/25
National General $52 65 Kia Rio 10/13/25
National General $72 65 Honda Accord 10/13/25
National General $130 65 Honda Fit 10/13/25
National General $165 65 Nissan Altima 10/13/25
Mercury $47 65 Jeep Wrangler 10/13/25
ROOT $84 65 Chevrolet Equinox 10/13/25
Safeco $44 65 Hyundai Sonata 10/13/25
Bristol West $218 65 Jeep Renegade 10/13/25
Liberty Mutual $221 65 Ford F-150 10/13/25
Last Updated October 2025

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.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Quote
Progressive $56 65 Chevrolet Equinox 10/13/25
Mercury $107 65 Kia Rio 10/13/25
Mercury $70 65 Honda Accord 10/13/25
Electric $94 65 Honda Fit 10/13/25
Dairyland $271 65 Nissan Altima 10/13/25
Bristol West $226 65 Jeep Wrangler 10/13/25
Bristol West $122 65 Chevrolet Equinox 10/13/25
Bristol West $78 65 Hyundai Sonata 10/13/25
Bristol West $361 65 Jeep Renegade 10/13/25
Safeco $212 65 Ford F-150 10/13/25
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Bluefire $104 $1,244
Infinity $108 $1,299
Anchor General $109 $1,302
Aspire Advantage $110 $1,314
First Acceptance $140 $1,686
Bristol West $185 $2,222
Bristol West $229 $2,751
Bristol West $235 $2,820
Bristol West $249 $2,984
Safeco $261 $3,131
Last Updated October 2025

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.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Quote
Bristol West $308 22 Honda Civic 10/13/25
Bristol West $130 30 Toyota Camry 10/13/25
Bristol West $223 42 Hyundai Tucson 10/12/25
Bristol West $720 34 Toyota Camry 10/12/25
Bristol West $212 28 Kia Optima 10/10/25
Bristol West $254 27 Chevrolet Silverado 10/09/25
Embark General $246 24 Honda Civic 10/08/25
Bristol West $483 34 Ford Escape 10/07/25
Embark General $491 44 Cadillac Escalade 10/07/25
Embark General $390 26 Honda Accord 10/07/25
Last Updated October 2025

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.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
Aspire Advantage $71 $853
Safeco $176 $2,109
Progressive $340 $4,081
Mendota $392 $4,708
Bristol West $397 $4,759
Bristol West $185 $2,222
Embark General $229 $2,751
Bristol West $235 $2,820
Embark General $249 $2,984
Embark General $261 $3,131
Last Updated October 2025

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.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Policy
Bristol West $747 31 Nissan Rogue 10/03/25
Bristol West $650 24 Chevrolet Tahoe 09/29/25
Embark General $435 38 Volkswagen Tiguan 09/24/25
Bristol West $399 29 Toyota Corolla 09/21/25
Bristol West $236 31 Volkswagen Passat 09/17/25
Bristol West $530 24 Tesla Model S 09/13/25
Bristol West $337 39 Nissan Rogue 09/02/25
Bristol West $281 30 Ford F250 08/27/25
Bristol West $793 29 Kia Sportage 08/18/25
Embark General $370 52 Toyota Rav4 08/14/25
Last Updated October 2025

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.

Insurance Company
Monthly Quote
Age
Car Make and Model
Date of Quote
Bristol West $401 34 Bmw X5 10/12/25
Safeco $178 51 Cadillac Xts 10/09/25
Bristol West $219 53 Bmw 528xi 10/03/25
Geico $157 30 Toyota 4runner 09/25/25
Embark General $276 44 Infiniti Qx30 09/15/25
Bristol West $559 40 Jeep Grand Cherokee 09/04/25
Bristol West $134 39 Nissan Rogue 09/02/25
Embark General $180 30 Gmc Yukon 08/27/25
Embark General $260 47 Toyota Highlander 08/09/25
Bristol West $126 43 Toyota Rav4 08/07/25
Last Updated October 2025

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.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Other $284 $3,404
Careless Driving $266 $3,192
Improper Passing $652 $7,829
Defective Equipment $360 $4,316
Driving on Sus. License $350 $4,199
Wrong Way/Wrong Lane $341 $4,094
Failure to Obey Traffic Sign $272 $3,265
$235 $2,820
$249 $2,984
$261 $3,131
Last Updated October 2025

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.

Jerry finds quotes from 50 insurance partners fast.

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.

FAQs

  • Why is Massachusetts car insurance so expensive?
  • How much is car insurance in Massachusetts?
  • Do you need car insurance in Massachusetts?

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

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Our experts
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Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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