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The best cheap car insurance in Massachusetts

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On average, Massachusetts drivers pay around $1,136 a year for car insurance, according to the Insurance Information Institute. But there are ways to save if you’re willing to put in a few minutes of work. 

Shopping around for coverage is the best way to make sure you’re getting the best price for you. Your premium, or the amount you’ll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Massachusetts. 

Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.  

The following are the most popular car insurance companies in Massachusetts, based on the percentage of insured Massachusetts drivers who use them:

Company Market share (%)
MAPFRE  22.00
GEICO 14.04
Liberty Mutual  10.33
Safety Insurance  8.08
Arbella Insurance  7.51
Plymouth Rock Co.  6.74
Progressive  5.68
MetLife  3.42
Travelers  3.29
USAA* 3.18
The Hanover Insurance Group 2.96
Amica  2.85
Allstate  1.92
Quincy Mutual  1.43
Norfolk & Dedham Group  1.07
Vermont Mutual Insurance  1.01
American Family Insurance  0.88
IAT Insurance  0.76
Preferred Mutual Insurance Co. 0.57
State Farm  0.34
National General Holdings  0.32
Chubb  0.31
Concord Group Insurance  0.30

*USAA is only for active military, veterans, and their families.

Data from S&P Global Intelligence

Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Massachusetts):

  1. Amica Mutual
  2. State Farm
  3. GEICO
  4. Region Average
  5. Progressive
  6. The Hanover 
  7. Arbella
  8. Liberty Mutual
  9. Plymouth Rock Assurance
  10. Travelers
  11. Allstate
  12. MetLife
  13. Safety Insurance 
  14. MAPFRE Insurance 

For a driver in Massachusetts age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium
Travelers $145
GEICO $156
Allstate $159
USAA* $172
Progressive $178
MetLife $188
Safeco $221
Liberty Mutual $228
Esurance $240

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,630 policyholders in the state of Massachusetts

For a driver in Massachusetts age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Company Average monthly insurance premium
GEICO $169
Esurance $189
Allstate $196
Progressive $222
Bristol West $239

Above data obtained from Savvy, based on 1,630 policyholders in the state of Massachusetts

Below is the estimated average annual premium of auto insurance policies per household in Massachusetts’s most populous cities:

City Average annual insurance premium
Boston  $1,481
Worcester  $1,412
Springfield  $1,333
Cambridge   $1,555
Lowell   $1,429
Quincy   $1,503
New Bedford  $1,372
Brockton   $1,457
Lynn   $1,454
Newton   $1,748
Fall River   $1,362
Somerville   $1,546
Lawrence  $1,352
Framingham   $1,568
Haverhill   $1,534
Waltham   $1,581
Malden   $1,480
Brookline  $1,642
Medford   $1,577
Taunton   $1,515
Weymouth Town  $1,549
Revere   $1,465
Chicopee  $1,414
Peabody   $1,523
Methuen Town   $1,583
Attleboro   $1,597
Arlington   $1,686
Everett   $1,459
Barnstable Town   $1,520
Salem   $1,474
Pittsfield   $1,443
Westfield   $1,507
Beverly   $1,569
Marlborough   $1,568
Leominster   $1,475
Fitchburg   $1,440
Woburn   $1,624
Holyoke   $1,363
Chelsea   $1,444
Braintree Town   $1,629

Data from S&P Global Intelligence

Massachusetts does not allow credit score, age, gender, nor marital status  to be considered as a determining factors for insurance premiums. Therefore, other factors will weigh more, like your driving history, your driving record, where you live, and type of car you drive.

With so many factors affecting your premium and with every company considering them differently, it’s critical to shop around. 

If you want to get the best rate for you, you’ll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you’ll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you’ll pay out-of-pocket if you get into an accident. 

The driver who gets the best deal in Massachusetts is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you. 

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