The Cheapest Car Insurance in Massachusetts for 2022 |
The Cheapest Car Insurance in Massachusetts for 2022 |

The Cheapest Car Insurance in Massachusetts for 2022 |


Drivers in Massachusetts get the cheapest minimum liability car insurance coverage from State Farm and the cheapest full coverage insurance from Safety Group. however, your cost of car indemnity will vary significantly based on several factors, including your coverage measure, drive record and age. For example, if you have a DUI, the cheapest provider is Plymouth Rock Assurance, while drivers with tickets get the bum car policy coverage from GEICO. If you ‘re looking for an even more local solution, we besides broke down the cheap companies by city, vitamin a well as the best car indemnity companies in Massachusetts if you ‘re looking to balance timbre servicing and price. To find out how MoneyGeek calculated the cheapest car policy in Massachusetts, read our methodology. ”

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The Cheapest Car Insurance in Massachusetts

Cheapest Minimum Liability Car Insurance in Massachusetts

In Massachusetts, the cheapest cable car indemnity is a liability coverage plan that meets the state ’ south minimum car policy requirements. Liability indemnity only covers the cost of injuries and damage you cause to early drivers in an at-fault accident and does not pay for your vehicle rectify and medical expenses. The least expensive car insurance firms in Massachusetts for minimal coverage are :

  • State Farm: $323 per year
  • Plymouth Rock Assurance: $337 per year

Travelers is the costliest provider for minimum coverage, with average annual prices of $ 1,183 .

Cheapest Minimum Car Insurance in Massachusetts

These prices are only estimates based on rates for an modal Massachusetts driver and should not be used to compare indemnity prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Massachusetts

A full coverage plan with higher liability limits, comprehensive examination insurance and collision policy insures you for most off-road and road accidents in Massachusetts. The pace of a full coverage policy is broadly higher than the cost of minimum coverage, but it protects against the expense of damages to your car — not good others. however, you can save money by comparing car insurance quotes from several companies to find the lowest rates. The cheapest car policy companies for full moon coverage in Massachusetts are :

  • Safety Group: $730 per year
  • Plymouth Rock Assurance: $778 per year

The most expensive car policy for full coverage is Travelers, costing $ 2,356 per annum, on average .

Cheapest Full Coverage Car Insurance in Massachusetts

Keep in beware that the price of your policy will vary from these examples. Costs are for a policy with comprehensive and collision insurance and $ 100,000 in bodily injury liability coverage per person, $ 300,000 in bodily injury indebtedness coverage per accident and $ 100,000 in place damage coverage per accident.

How to Compare Cheap Massachusetts Car Insurance Quotes Online

You can easily get an accurate quote through most policy providers ’ websites. Identify how much coverage you require so you can compare carriers using consistent limits. For exemplify, if you get a quotation with one insurance company for $ 50,000 in bodily indebtedness indemnity per accident, make certain to use the like terminus ad quem when obtaining quotes from another company. Massachusetts drivers can compare car indemnity quotes using the MoneyGeek calculator. For personalized quotes, you will need to provide more personal information. In Massachusetts, State Farm, Plymouth Rock Assurance and USAA are the three cheapest cable car policy providers. MoneyGeek recommends you start your search by comparing quotes with these companies to obtain low rates and choice coverage .

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state Massachusetts long time 30-65 drive record clean citation score excellent Vehicle Type compact Vehicle year 2020 Liability Coverage submit Min Comprehensive and Collision Insurance none gender female

Average Annual Auto Insurance Rates

Click the section of the rack in your price range to see options. low end on average high end Click your preferable price crop to see party options. Click an insurance company below to visit their recapitulation page or continue to your personalized quote. company average annual Rates 1 .State Farm $ 401 2 .Plymouth Rock Assurance $ 418 3 .USAA $ 484 4 .MetLife $ 497 5. Safety Group $ 502

Cheapest Car Insurance for Drivers With a DUI in Massachusetts

car policy for bad drivers, like those catch driving under the influence ( DUI ), is a lot more expensive because carriers consider these drivers riskier to insure. The average car policy rate for drivers with a DUI in Massachusetts is $ 1,986 per year compared to $ 1,112 for those with a clean record. The most low-cost car indemnity providers in Massachusetts for a driver with full moon coverage and a DUI charge are :

  • Plymouth Rock Assurance: $1,226 per year
  • GEICO: $1,365 per year

Although Safety Group offers the cheapest full moon coverage for Massachusetts drivers with a clean record, Plymouth Rock has lower rates for those with a DUI .

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Average Car Insurance Rates With a DUI

The costs of a DUI on your car insurance rates could carry over the long condition, so it ’ second significant to get quotes from a diverseness of Massachusetts car insurance companies each class when it ’ mho time to renew your policy. Because each company weighs a DUI differently in their evaluation, rates will vary from insurance company to insurer.

Cheapest Car Insurance in Massachusetts for Drivers With an At-Fault Accident

Having an at-fault accident on your drive record can cause your car insurance premiums to spike importantly. If you have an at-fault accident, you will pay an average of $ 1,745 per year. The most low-cost car policy providers in Massachusetts for drivers with at-fault accidents are :

  • Plymouth Rock Assurance: $1,176 per year
  • State Farm: $1,186 per year
Cheapest Car Insurance With an At-Fault Accident

Cheapest Car Insurance for Drivers With Tickets in Massachusetts

Massachusetts drivers with even minor driving violations in their history tend to be charged higher rates by insurers than those with a clean commemorate. In this state, you ’ ll pay $ 1,384 per class ( on average ) for cable car indemnity coverage if you have a rush ticket on your record, compared to $ 1,112 for drivers without any violations. The least expensive car insurance carriers in Massachusetts for a driver with a accelerate ticket and broad coverage are :

  • GEICO: $892 per year
  • State Farm: $893 per year

GEICO has lower rates for those with a speeding ticket on their record than Plymouth Rock Assurance, the second brassy company for drivers with a clean record .

Average Car Insurance Rates With a Ticket

Moving violations like speeding or distracted repel tickets can lead to higher car insurance premiums. Drivers with these tickets on their records are seen as higher-risk drivers in the eyes of the policy companies. In fact, according to the National Highway Traffic Safety Administration, in Massachusetts, there were 343 accidents in 2018 relate to distracted drive, another factor the insurance companies take into account when determining hazard and, therefore, indemnity rates. There ’ s no set timeframe for how hanker a rush or distracted driving ticket can affect car policy rates, but it decidedly will have short-run effects. To keep rates low-cost, check with a number of Massachusetts car insurance companies for personalize quotes based on your person factors before renewing your policy each year.

Cheapest Car Insurance Companies in Massachusetts for Drivers With Bad Credit

Unlike in most other states, indemnity providers in Massachusetts can not use a person ’ mho accredit score to determine their premiums. however, it ’ s still crucial to maintain a good credit score, as it can help you obtain loans, rentals and more. For Massachusetts, the average credit score is 723, which is higher than the national average of 703 for 2019. A adept credit grudge is by and large considered to be 700 and higher.

While many states use a driver ’ south credit mark to impact rates, Massachusetts state law protects drivers from pace increases based on credit score. For Massachusetts, the average credit rating mark is 723, higher than the national average of 703 for 2019. A good credit rating score is generally considered to be 700 and higher. While a lower score shouldn ’ metric ton inform your cable car insurance rates in Massachusetts, it could impact early areas of your finances, like home loans and citation lines. Raising your credit rating mark could help you improve your finances overall.

Cheapest Car Insurance in Massachusetts for Seniors

In most states, cable car indemnity providers typically charge aged drivers slightly higher rates than middle-aged and young adult drivers. however, in Massachusetts, senior drivers pay less than an modal 40-year-old driver. The median annual price of car policy is $ 986 for a senior driver compared to $ 1,112 for the average driver who is not a senior. The cheapest car policy companies in Massachusetts for senior drivers with entire coverage are :

  • State Farm: $453 per year
  • GEICO: $607 per year

While Safety Group is the cheapest provider for full coverage for the average non-senior driver, State Farm offers lower rates for senior drivers .

Average Car Insurance Rates for Seniors

Keeping older drivers safe is a finish for everyone to achieve. In Massachusetts, 12.6 % of drivers involved in black dealings crashes in 2017 were historic period 65 or older, per the National Highway Traffic Safety Administration. Although Massachusetts does not revoke driving privileges due to age, it does require all drivers senesce 75 and older to take an in-person sight test or to provide a sight screening certificate. Auto policy for seniors in Massachusetts can be higher due to their elevated risk for accidents, something every cable car policy company considers when quoting rates.

Cheapest Car Insurance in Massachusetts for Young Drivers

car indemnity costs more for younger Massachusetts drivers since they are less experienced than aged drivers. 16-year-old drivers pay an average of $ 2,623 per year for car indemnity. 25-year-old drivers, on the other hand, pay alone $ 1,043 for the same duration. The cheapest car indemnity for young drivers between the age of 16 and 25 in Massachusetts is from State Farm. MoneyGeek discovered that State Farm was the most low-cost for seven out of the ten ages in this range .

Annual Car Insurance In Massachusetts for Young Drivers

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  • age average cost Cheapest company caller price
  • 16


    State Farm


  • 17


    State Farm


  • 18


    State Farm


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  • 20




  • 21




  • 22


    State Farm


  • 23


    State Farm


  • 24


    State Farm


  • 25


    State Farm


adolescent drivers with a learner ‘s license do not need to be listed on the policyholder ‘s insurance in the state of matter of Massachusetts. Once they obtain their junior operator ‘s license ( JOL ), they must be listed under the rear ‘s policy, which can besides help cut cable car indemnity costs. additionally, young drivers who take measures to be condom drivers, including attending driver courses and driving a midsize vehicle and get commodity grades at school can besides help keep cable car indemnity premiums low.

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Insurance Rate Information for Military Drivers and Veterans

If you ‘re one of the approximately 3,500 active-duty military personnel stationed in Massachusetts, or tied if it ‘s already your home express, chances are military discounts on car insurance are available to you and your family. Veterans qualify, besides. The state lawyer general ‘s position offers tips on buying car insurance in Massachusetts ampere well as the solid trace to get all premium quotes in writing as you compare cable car policy rates. once your policy is covered, you can register the vehicle at the DMV. If you are a disable seasoned, you wo n’t have to pay adjustment fees or property taxes on your fomite. If you bought and registered a car or truck in your home state, you do n’t have to re-register in Massachusetts. You ‘ll silent have to carry at least the mandate minimal policy under Massachusetts law while deployed here. There is one kink in the jurisprudence : if you bought and registered a vehicle outside your home state of matter and are then stationed in Massachusetts, you ‘ve got 30 days to register it in the state .

Average Rates for Massachusetts service members

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Car Insurance in Massachusetts: What You Need to Know

Every driver in Massachusetts is required to have car indemnity or an approved alternative. Your car policy must include four types of coverage :

  • Liability insurance for injuries
  • Liability insurance for property damage
  • Personal injury insurance
  • Insurance against uninsured motorists

All licensed drivers in the family must be listed on a car ‘s policy plan unless they submit an ejection form to their indemnity company .

Proof of Insurance in Massachusetts

To register a car in Massachusetts, drivers must beginning insure it. From that degree forward, they do not need to carry an policy menu — their policy information will be on their registration, which should be kept inside the vehicle. Drivers need to show their registration when a patrol officer asks to see it, when they register their vehicle and after a cable car accident .

Minimum Liability Insurance Requirements in Massachusetts

here ‘s the breakdown of the minimum amounts needed on a Massachusetts car indemnity policy :

  • $20,000 per person for third-party bodily injury
  • $40,000 per accident for third-party bodily injury
  • $20,000 per person for injuries caused by an uninsured driver
  • $40,000 per accident for injuries caused by an uninsured driver
  • $8,000 of personal injury protection per person/accident
  • $5,000 of property damage protection per accident

These are just the minimal requirements, and experts recommend carrying more liability policy coverage .

Alternatives to Insurance in Massachusetts

The democracy of Massachusetts encourages motorists to get traditional car indemnity, but drivers can skip this prerequisite if they put down at least $ 10,000 as a cash down payment or liability bond. This money will be used to settle claims should the driver cause an accident, but it ‘s unlikely to meet the full costs. Drivers who choose this route should be mindful that other parties can pursue their assets if they do n’t have car policy .

How Much Coverage Do You Need in Massachusetts?

cheap car indemnity is great — provided you never crash your car. When accidents happen, the minimum level of policy likely wo n’t be enough to cover costs. According to the Insurance Information Institute, drivers should aim for $ 100,000/ $ 300,000 of injury indebtedness coverage, far above the levels mandated by Massachusetts. And while collision and comprehensive coverage are optional, if you have a newer mannequin car, you may want to consider getting those as well. Massachusetts requires indemnity companies to offer discounts to drivers with a history of careful drive. The submit besides requires discounts for drivers over the age of 65 and for cars with certain safety and security features, including anti-theft devices. Individual policy companies may offer their own discounts in addition to those listed.

Cheapest Car Insurance in Massachusetts by City

The cost of car indemnity normally varies depending on where you live. For exemplar, drivers who stay in Boston pay an average of $ 1,112 per class, while those in Worcester pay $ 1,133 per class. That means if you stay in Boston, you will pay lower rates than the three cities included in MoneyGeek ’ s research, including Springfield. You can get more information about car insurance rates for your area by clicking on your city .

Average Insurance Rate by City in Massachusetts

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  • City per annum monthly
  • 1 .Boston $ 1,112 $ 93
  • 2 .Cambridge $ 962 $ 80
  • 3 .Lowell $ 1,033 $ 86
  • 4 .Springfield $ 1,274 $ 106
  • 5 .Worcester $ 1,133 $ 94

FAQs About Car Insurance in Massachusetts

To help you find the right car insurance service, MoneyGeek answered frequently asked questions about coverage and costs .

state of matter farm is the least expensive car policy company in Massachusetts with modal annually rates of $ 323 for liability coverage. Plymouth Rock Assurance offers the second cheap policy at $ 337 per year .

In Massachusetts, the modal monetary value of car indemnity is $ 1,112 per year or about $ 93 per calendar month .

car policy tends to be more expensive for brand-new drivers or younger drivers in Massachusetts. On average, student drivers pay $ 2,639 per class for car policy .

Drivers in Massachusetts should compare quotes across multiple insurers and ensure they have the right coverage level for their requirements to get the cheapest car indemnity rates .

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see you ‘re getting the best pace for your car insurance. Compare quotes from the exceed insurance companies. widget-location-pin About the writerexpert-profileexpert-profile Karon Warren is a professional diarist who has covered personal finance, health indemnity, home indemnity, car policy, mortgages, banking and more for two decades. Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is besides a extremity of the american english Society of Journalists and Authors. Karon uses her diarist skills to create in-depth, well-researched finance stories that educate people so they can make inform fiscal decisions that best serve their fiscal goals.

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