Cheapest Car Insurance Quotes in Massachusetts for July 2025

Written by Ben Moore and 1 other
Updated Jul 20, 2025
Insurance price card

Cheapest Car Insurance Quotes in Massachusetts for July 2025

No long forms No spam or unwanted phone calls Quotes from top insurance companies

You’re minutes away from insurance savings.
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 Policy
29 Toyota Rav4 Embark General $160 July 15, 2025
27 Toyota Rav4 Embark General $169 July 15, 2025
19 Infiniti M35 Embark General $412 July 15, 2025
73 Nissan Sentra Safeco $63 July 15, 2025
43 Mitsubishi Eclipse Embark General $542 July 15, 2025
29 Nissan Altima Embark General $623 July 15, 2025
35 Ford Fusion Embark General $172 July 15, 2025
45 Toyota Scion Embark General $210 July 15, 2025
23 Toyota Prius Embark General $401 July 15, 2025
32 Ford Bronco Embark General $261 July 15, 2025
Last Updated Jul, 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
Mendota $156 $1,875
Safeco $160 $1,919
Anchor General $173 $2,080
Bristol West $358 $4,295
Progressive $407 $4,886
Gainsco $429 $5,146
ROOT $430 $5,161
National General $436 $5,235
Assurance America $463 $5,556
Embark General $591 $7,087
Last Updated Jul 19, 2025

Estimate car insurance costs

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

Average monthly quote:
$–
COMPARE QUOTES
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 $528 $6,335
21-24 $481 $5,768
Last Updated Jul, 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 Policy
20 Honda Civic Embark General $371 July 17, 2025
20 Infiniti G37 Embark General $694 July 8, 2025
20 Honda Civic Embark General $357 June 26, 2025
20 Mitsubishi Mirage Bristol West $286 June 24, 2025
20 Saab 9-3 Embark General $180 June 13, 2025
20 Honda Civic Embark General $204 June 11, 2025
20 Toyota Camry Embark General $368 May 24, 2025
20 Honda Cr-V Embark General $267 May 23, 2025
20 Chevrolet K1500 Embark General $342 May 21, 2025
20 Chevrolet K1500 Embark General $342 May 17, 2025
Last Updated Jul 21, 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 Policy
20 Infiniti G37 Embark General $1,520 July 8, 2025
20 Honda Civic Embark General $487 June 26, 2025
20 Mitsubishi Mirage Bristol West $495 June 24, 2025
20 Saab 9-3 Embark General $284 June 13, 2025
20 Honda Civic Embark General $503 June 11, 2025
20 Nissan Altima Bristol West $632 May 29, 2025
20 Hyundai Elantra Embark General $1,149 May 26, 2025
20 Chevrolet K1500 Embark General $540 May 21, 2025
20 Honda Accord Embark General $503 April 30, 2025
20 Honda Accord Embark General $405 April 23, 2025
Last Updated Jul, 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 $375 $4,502
35-44 $303 $3,631
45-54 $249 $2,994
Last Updated Jul, 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
Anchor General $70 $836
National General $140 $1,681
Bristol West $208 $2,492
Embark General $278 $3,340
Progressive $319 $3,828
Last Updated Jul, 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
Anchor General $173 $2,080
Bristol West $346 $4,151
Gainsco $429 $5,146
National General $442 $5,299
Assurance America $442 $5,301
Last Updated Jul, 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 $217 $2,607
65+ $192 $2,308
Last Updated Jul 21, 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 Policy
ROOT $138 65 Ford Fusion July 15, 2025
Progressive $451 65 Nissan Rogue July 15, 2025
Progressive $108 65 Ford Ranger July 15, 2025
Progressive $59 65 Toyota Prius July 15, 2025
Dairyland $49 65 Saturn Vue July 15, 2025
National General $62 65 Chevrolet K1500 July 15, 2025
ROOT $188 65 Chevrolet Impala July 15, 2025
Progressive $59 65 Nissan Altima July 14, 2025
Bristol West $108 65 Jeep Wrangler July 14, 2025
Mendota $196 65 Hyundai Accent July 14, 2025
Last Updated Jul, 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 Policy
The General $296 65 Chevrolet Equinox July 17, 2025
National General $242 65 Kia Sorento July 17, 2025
Progressive $234 65 Jeep Wrangler July 17, 2025
Clearcover $221 65 Chevrolet Equinox July 16, 2025
Embark General $405 65 Ford Focus July 16, 2025
Progressive $217 65 Chevrolet Sonic July 16, 2025
The General $741 65 Jaguar S-Type July 16, 2025
Trexis $168 65 Honda Civic July 16, 2025
Progressive $343 65 Nissan Altima July 16, 2025
Progressive $382 65 Hyundai Elantra July 16, 2025
Last Updated Jul 19, 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
Anchor General $122 $1,458
Safeco $132 $1,584
Dairyland $155 $1,863
Mendota $156 $1,875
National General $213 $2,550
Last Updated Jul, 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 Policy
Embark General $210 45 Toyota Scion July 15, 2025
Embark General $428 37 Nissan Maxima July 15, 2025
Bristol West $213 30 Subaru Legacy July 14, 2025
Bristol West $704 22 Infiniti Qx50 July 11, 2025
Embark General $335 42 Subaru Impreza July 11, 2025
Embark General $296 48 Ford Escape July 11, 2025
Embark General $548 43 Porsche Panamera July 10, 2025
Bristol West $493 33 Honda Civic July 10, 2025
Bristol West $654 26 Lincoln MKZ July 9, 2025
Bristol West $293 54 Lincoln Mkz July 7, 2025
Last Updated Jul, 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
Progressive $63 $752
Aspire Advantage $90 $1,078
Safeco $144 $1,723
Dairyland $161 $1,933
National General $362 $4,342
Last Updated Jul 21, 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
Embark General $405 44 Cadillac Escalade July 14, 2025
Bristol West $232 24 Dodge Charger July 11, 2025
Bristol West $265 36 JEEP COMPASS July 9, 2025
Bristol West $146 24 Toyota Rav4 July 8, 2025
Embark General $157 56 Nissan Versa July 5, 2025
Bristol West $943 36 Jeep Compass July 2, 2025
Bristol West $877 35 Toyota Rav4 June 30, 2025
Bristol West $417 39 Dodge Avenger June 30, 2025
Bristol West $269 38 Cadillac Srx June 25, 2025
Bristol West $251 38 Honda Civic June 24, 2025
Last Updated Jul, 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 Policy
Embark General $444 29 Infiniti Qx60 July 10, 2025
Embark General $597 41 Ford Fusion July 3, 2025
Embark General $128 35 Nissan Pathfinder June 29, 2025
Bristol West $680 40 Jeep Grand Cherokee June 19, 2025
Bristol West $188 39 Nissan Rogue June 15, 2025
Bristol West $93 44 Honda Civic May 14, 2025
Bristol West $895 34 Bmw X5 May 6, 2025
Bristol West $353 33 Chevrolet Impala April 18, 2025
Bristol West $192 33 Dodge Grand Caravan April 9, 2025
Bristol West $211 41 Jeep Compass April 1, 2025
Last Updated Jul, 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
Careless Driving $321 $3,849
Driving on Sus. License $394 $4,728
Failure to Obey Traffic Sign $259 $3,109
Improper Passing $612 $7,342
Leaving scene of an Accident/Hit and Run $215 $2,577
Last Updated Jul, 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.

Find affordable car insurance in minutes.

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?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
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 $85 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.