Cheapest Car Insurance Quotes in Massachusetts for July 2025

Written by Ben Moore and 1 other
Updated Jul 2, 2025
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Cheapest Car Insurance Quotes in Massachusetts for July 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 $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.

Compare cheap car insurance quotes in Massachusetts.

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
32 Toyota Corolla Embark General $245 July 1, 2025
35 Acura TL Embark General $428 July 1, 2025
25 BMW X3 Embark General $455 July 1, 2025
27 BMW 430i Embark General $196 July 1, 2025
25 Hyundai Elantra Embark General $521 July 1, 2025
50 Toyota Matrix Embark General $223 July 1, 2025
34 Mazda Cx-7 Embark General $279 July 1, 2025
61 Honda Accord Embark General $209 July 1, 2025
48 Ford Escape Embark General $261 July 1, 2025
23 Toyota Camry Embark General $361 June 30, 2025
Last Updated Jul 2, 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
Last Updated Jun 30, 2025

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 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

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 $525 $6,300
21-24 $465 $5,577
Last Updated Jul 2, 2025

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 Honda Accord Bristol West $205 June 27, 2025
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
Last Updated Jul 2, 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 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
20 Acura TSX Embark General $477 March 9, 2025
Last Updated Jul 2, 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
Last Updated Jun 28, 2025

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 $188 $2,255
Embark General $277 $3,326
Progressive $319 $3,828
Last Updated Jul 2, 2025

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 $337 $4,044
Gainsco $429 $5,146
National General $442 $5,299
Last Updated Jul 2, 2025

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 $205 $2,465
65+ $222 $2,660
Last Updated Jul 2, 2025

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
ROOT $112 65 Infiniti Q50 July 1, 2025
Progressive $182 65 Cadillac Escalade July 1, 2025
National General $53 65 Ford F-150 July 1, 2025
National General $42 65 Toyota Camry July 1, 2025
Progressive $64 65 KIA Sedona July 1, 2025
Aspire Advantage $52 65 Honda Civic June 30, 2025
Infinity $170 65 Cadillac SRX June 30, 2025
Electric $59 65 Jeep Grand Cherokee June 30, 2025
The General $121 65 Toyota Corolla June 29, 2025
Progressive $64 65 Nissan Versa June 29, 2025
Last Updated Jul 2, 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
Last Updated Jun 30, 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 $150 $1,798
Dairyland $155 $1,863
Mendota $156 $1,875
Last Updated Jul 2, 2025

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
Embark General $926 30 Nissan Sentra July 1, 2025
Bristol West $138 47 Honda Cr-v June 30, 2025
Bristol West $374 28 Honda Civic June 30, 2025
Embark General $156 31 Honda Accord June 29, 2025
Embark General $729 40 Toyota Venza June 28, 2025
Bristol West $1,014 35 Honda Hr-v June 27, 2025
Embark General $238 44 MERCEDES-BENZ GLE June 27, 2025
Bristol West $294 43 Porsche Panamera June 27, 2025
Bristol West $105 31 SUBARU CROSSTREK June 26, 2025
Embark General $409 33 KIA K5 June 26, 2025
Last Updated Jul 2, 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 $137 $1,643
Dairyland $161 $1,933
Progressive $225 $2,699
Last Updated Jul 2, 2025

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 $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
Embark General $397 38 Honda Civic June 24, 2025
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
Bristol West $188 35 CADILLAC CTS June 16, 2025
Bristol West $225 45 Toyota Highlander June 16, 2025
Bristol West $188 39 Nissan Rogue June 15, 2025
Last Updated Jul 2, 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
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 $217 53 BMW Z4 June 8, 2025
Embark General $476 41 Ford Fusion June 1, 2025
Bristol West $93 44 Honda Civic May 14, 2025
Bristol West $494 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
Last Updated Jul 2, 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 $249 $2,991
Improper Passing $587 $7,047
Leaving scene of an Accident/Hit and Run $215 $2,577
Last Updated Jul 2, 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.

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