Twitter Facebook LinkedIn GooglePlus

Cheapest Car Insurance Rates In Massachusetts (2018)

Whether you’re having trouble keeping up with car insurance payments or you simply want to find a better deal, you’ve come to the right place. Our Geeks crunched the numbers from nine top insurance providers to identify where to find the cheapest auto insurance quotes in Massachusetts.

Since each company has a unique approach for calculating their rates, we segmented our study into the following driver types:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$70/month estimate

$/month estimate

If you’ve been lucky enough to skate through your driving history without being involved in a wreck, you can bet that insurance companies see you as a low-risk driver. So you shouldn’t have to break the bank to afford your premiums.

If you think you’re overpaying for car insurance, consider changing to Plymouth Rock Assurance or Progressive. Saving a few dollars each moth might not seem like much, but it’ll add up over time.

Our study looked at the average estimated quotes of 29-year-old females and males in Massachusetts who had clear accident records.

Best Rates For Teen Drivers

$83/month estimate

$/month estimate

The numbers don’t lie; teens are far more likely to be involved in an accident than adult motorists. As such, insurance companies typically charge teenagers more in monthly premiums. If you’re looking for cheap car insurance for a young driver in Massachusetts, our research determined that Plymouth Rock Assurance has very affordable rates for new drivers who seek the minimum coverage requirements in MA.

Best Rates For Drivers With An OUI or DUI

$119/month estimate

$/month estimate

If one of your nights out with friends ended with an OUI or DUI, you’ve probably been through enough adversity without having to pay more for insurance premiums. Insurance companies usually view people who have an OUI conviction as a greater liability. Fortunately, our team was able to find two companies that offer very affordable car insurance rates in Massachusetts for people with an OUI on their record. Our estimated monthly rates are based on quotes for a 29-year-old driver with one OUI conviction in the past 12 months.

Best Rates For Senior Drivers

$55/month estimate

$/month estimate

The senior driver in our study drove only one-third the annual mileage of our 29-year-old driver. Our test senior was age 65 and had a clean record with no significant citations or at-fault crashes within the past five years.


The annual mileage in most segments of our analysis is 12,000. A 2014 Toyota Corolla is the vehicle. Our estimates are based on the average rates of males and females from five zip codes in MA. The liability coverage limits used for all categories except teenage drivers were 50/100/25 with 50/100/25 in uninsured motorist coverage.

How Much Car Insurance Are Drivers In Massachusetts Required To Carry?

In the state of Massachusetts, the minimum car insurance requirements are $20,000 for bodily injuries to one person, $40,000 for bodily injuries in one crash, and $5,000 for property damage. $8,000 in Personal Injury Protection per accident is also required, along with $20,000 per person and $40,000 per accident in uninsured motorist bodily injury coverage.


cheapest car insurance in massachusetts

Visit the PennyGeeks blog for helpful info and auto insurance FAQs.


If you have a question or comment to share, please post it to our Facebook and/or Twitter page.

Find Cheap Insurance By State
Find Cheap Insurance By Driver Type
Car Insurance FAQs
How Can I Get My Car Insurance Premiums Reduced? Should I Buy Uninsured Motorist Coverage? What Factors Affect My Auto Insurance Rates? When Can My Car Insurance Company Increase My Premiums? What Are Common Reasons Why Car Insurance Claims Are Denied?