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 $180 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
Below are ten real minimum coverage car insurance quotes in Massachusetts, according to Jerry data.
Age
|
Car Make and Model
|
Insurance Company
|
Monthly Quote
|
Date of Policy
|
---|---|---|---|---|
21 | Honda Pilot | Bristol West | $512 | June 24, 2025 |
28 | Ford Edge | Bristol West | $408 | June 24, 2025 |
50 | Nissan Altima | Embark General | $129 | June 24, 2025 |
29 | Nissan Sentra | Bristol West | $92 | June 24, 2025 |
25 | Honda Civic | Embark General | $431 | June 24, 2025 |
28 | Honda Accord | Bristol West | $213 | June 24, 2025 |
38 | Jeep Cherokee | Embark General | $212 | June 24, 2025 |
43 | Land Rover Range Rover | Embark General | $180 | June 24, 2025 |
45 | Subaru Outback | Bristol West | $130 | June 24, 2025 |
19 | Ford Fusion | Embark General | $336 | June 24, 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
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 | $173 | $2,074 |
Anchor General | $173 | $2,080 |
Gainsco | $291 | $3,495 |
Progressive | $297 | $3,562 |
Bristol West | $320 | $3,842 |
Root | $376 | $4,508 |
National General | $414 | $4,969 |
Assurance America | $431 | $5,169 |
Embark General | $588 | $7,059 |
Read more: Cheapest car insurance in Lowell, MA
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
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 | $6,336 |
21-24 | $464 | $5,573 |
Cheap minimum coverage in Massachusetts for a 20-year-old
Minimum coverage offers the most affordable car insurance in Massachusetts possible for younger drivers. 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 | Saab 9-3 | Embark General | $180 | June 13, 2025 |
20 | Hyundai Genesis | Embark General | $210 | May 24, 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 17, 2025 |
20 | Ford Fusion | Embark General | $281 | May 16, 2025 |
20 | Audi A6 | Embark General | $175 | May 8, 2025 |
20 | Honda Accord | Embark General | $363 | April 30, 2025 |
20 | Ford Fusion | Bristol West | $575 | March 31, 2025 |
20 | Toyota Camry | Embark General | $366 | March 27, 2025 |
Cheap full coverage in Massachusetts for a 20-year-old
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 | Mitsubishi Mirage | Bristol West | $285 | June 24, 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 | $405 | April 23, 2025 |
20 | Honda Accord | Bristol West | $542 | April 18, 2025 |
20 | Honda Accord | Embark General | $379 | April 18, 2025 |
20 | Nissan Rogue | Embark General | $643 | April 10, 2025 |
20 | Hyundai Sonata | Embark General | $723 | March 30, 2025 |
Average auto insurance costs for mature drivers in Massachusetts (25-54)
Below is the average cost of car insurance for mature drivers, according to Jerry.
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
---|---|---|
25-34 | $356 | $4,275 |
35-44 | $299 | $3,583 |
45-54 | $249 | $2,983 |
Cheapest minimum coverage in Massachusetts for a 35-year-old
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 | $186 | $2,235 |
Embark General | $278 | $3,340 |
Progressive | $319 | $3,828 |
Cheapest full coverage in Massachusetts for a 35-year-old
Here are the five most affordable auto insurers for 35-year-olds with full coverage.
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
---|---|---|
Safeco | $112 | $1,343 |
Anchor General | $173 | $2,080 |
Bristol West | $330 | $3,960 |
Gainsco | $429 | $5,146 |
National General | $442 | $5,299 |
Average car insurance costs for older drivers in Massachusetts (55+)
Once drivers in Massachusetts reach age 65, they may qualify for an auto insurance discount.
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 | $204 | $2,445 |
65+ | $221 | $2,656 |
Cheapest minimum coverage in Massachusetts for a 65-year-old
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
|
---|---|---|---|---|
Progressive | $67 | 65 | Acura TL | June 24, 2025 |
Progressive | $262 | 65 | Nissan Rogue | June 24, 2025 |
National General | $75 | 65 | Toyota Tundra | June 24, 2025 |
Embark General | $195 | 65 | BMW X3 | June 23, 2025 |
Bristol West | $176 | 65 | Jeep Liberty | June 23, 2025 |
Safeco | $107 | 65 | Ford Escape | June 21, 2025 |
Progressive | $105 | 65 | Mazda Cx-5 | June 21, 2025 |
National General | $74 | 65 | DODGE AVENGER | June 21, 2025 |
National General | $50 | 65 | Ford Crown | June 20, 2025 |
Bluefire | $35 | 65 | Pontiac Grand Prix | June 20, 2025 |
Cheapest full coverage in Massachusetts for a 65-year-old
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
|
---|---|---|---|---|
Bristol West | $612 | 65 | Nissan Altima | June 28, 2025 |
Progressive | $50 | 65 | DODGE GRAND CARAVAN | June 28, 2025 |
Root | $122 | 65 | Mitsubishi Lancer | June 28, 2025 |
Anchor General | $289 | 65 | TOYOTA SCION | June 27, 2025 |
Gainsco | $99 | 65 | Nissan Versa | June 27, 2025 |
Progressive | $31 | 65 | Nissan Maxima | June 27, 2025 |
Progressive | $73 | 65 | Nissan Maxima | June 27, 2025 |
Progressive | $142 | 65 | Chevrolet Uplander | June 27, 2025 |
Progressive | $106 | 65 | Mercury Mountaineer | June 27, 2025 |
Root | $230 | 65 | KIA Soul | June 26, 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
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 | $1,468 |
Aspire Advantage | $136 | $1,632 |
Safeco | $149 | $1,787 |
Dairyland | $155 | $1,863 |
Mendota | $156 | $1,875 |
Cheapest car insurance with a speeding ticket in Massachusetts
Your rates may increase if you get a speeding ticket. 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
|
---|---|---|---|---|
Bristol West | $512 | 21 | Honda Pilot | June 24, 2025 |
Bristol West | $229 | 40 | Toyota Venza | June 24, 2025 |
Embark General | $180 | 43 | Land Rover Range Rover | June 24, 2025 |
Bristol West | $158 | 36 | Nissan Altima | June 24, 2025 |
Bristol West | $714 | 24 | Hyundai Elantra | June 23, 2025 |
Embark General | $195 | 26 | FORD F-150 | June 22, 2025 |
Embark General | $116 | 49 | Toyota Camry | June 20, 2025 |
Bristol West | $261 | 37 | Nissan Altima | June 20, 2025 |
Embark General | $170 | 42 | Saab 9-5 | June 20, 2025 |
Bristol West | $234 | 30 | Buick Lesabre | June 19, 2025 |
Cheapest car insurance after an at-fault accident with no injury in Massachusetts
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
|
---|---|---|
Anchor General | $81 | $974 |
Aspire Advantage | $108 | $1,291 |
Safeco | $136 | $1,633 |
Progressive | $194 | $2,322 |
National General | $265 | $3,178 |
Cheapest auto insurance after an at-fault accident with injury in Massachusetts
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 | $358 | 36 | Mitsubishi Outlander | June 23, 2025 |
Bristol West | $561 | 25 | KIA Forte | June 19, 2025 |
Embark General | $377 | 31 | Nissan Rogue | June 18, 2025 |
Embark General | $1,050 | 45 | Toyota Highlander | June 16, 2025 |
Bristol West | $188 | 39 | Nissan Rogue | June 15, 2025 |
Bristol West | $319 | 22 | Honda Civic | June 13, 2025 |
Bristol West | $255 | 37 | Toyota Corolla | June 11, 2025 |
Embark General | $86 | 56 | NISSAN VERSA | June 11, 2025 |
Embark General | $878 | 27 | KIA Soul | June 11, 2025 |
Bristol West | $149 | 32 | Honda Accord | June 10, 2025 |
Cheapest car insurance with a DUI in Massachusetts
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
|
---|---|---|---|---|
Bristol West | $680 | 40 | Jeep Grand Cherokee | June 19, 2025 |
Bristol West | $188 | 39 | Nissan Rogue | June 15, 2025 |
Bristol West | $143 | 53 | BMW Z4 | June 8, 2025 |
Embark General | $687 | 41 | Ford Fusion | June 1, 2025 |
Bristol West | $93 | 44 | Honda Civic | May 14, 2025 |
Bristol West | $868 | 28 | Nissan Versa | May 9, 2025 |
Bristol West | $895 | 34 | BMW X5 | May 6, 2025 |
Bristol West | $353 | 33 | Chevrolet Impala | April 18, 2025 |
Bristol West | $85 | 48 | Mitsubishi Mirage | April 17, 2025 |
Bristol West | $192 | 33 | Dodge Grand Caravan | April 9, 2025 |
Average auto insurance costs for Massachusetts drivers with other violations
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 | $342 | $4,100 |
Failure to Obey Traffic Sign | $255 | $3,059 |
Improper Passing | $587 | $7,047 |
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
-
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.

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.