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.
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 |
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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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.
FAQs
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Why is Massachusetts car insurance so expensive?
-
How much is car insurance in Massachusetts?
-
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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.

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.

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.