Finding affordable car insurance is a top priority for Massachusetts drivers. Auto insurance rates can vary widely depending on your location, driving record, age, credit score and other factors. While state minimum liability coverage meets basic requirements, experts recommend securing higher coverage limits for proper protection.
In this comprehensive guide, we’ll explain everything you need to know about getting cheap car insurance quotes in Massachusetts today. You’ll learn tips for reducing your premiums, find a list of the top low-cost insurers, get answers to common FAQs, and more. With some smart shopping strategies, Bay State drivers can secure the protection they need at a price they can afford.
Why Finding Cheap Car Insurance in Massachusetts Matters
Getting the lowest auto insurance rates possible allows Massachusetts drivers to save hundreds of dollars per year. With average annual premiums over $1,200 statewide, there’s significant incentive to find affordable coverage. Paying less for your policy also enables you to allocate more money toward other financial goals.
While price should not be the sole factor when choosing an insurer, it remains a key consideration for most consumers. Our guide will help you compare car insurance quotes across Massachusetts and highlight some of the cheapest providers available.
“The money saved from lower insurance premiums can be better spent on other necessities. Finding an affordable policy has to be part of the equation.”
Here are the top 5 most affordable car insurance companies in Massachusetts we recommend getting quotes from:
CompanyAverage Annual PremiumSafety Insurance$815Arbella$950Plymouth Rock$1,000MAPFRE$1,050Progressive$1,075
The insurers above demonstrate some of the lowest average rates in the state based on comprehensive quote data. Read on to learn more about what makes them stand out.
Factors That Affect Insurance Rates in MA
Car insurance rates in Massachusetts depend on several key factors:
- Location — Urban areas like Boston have higher average premiums than rural parts of the state. Rates tend to be higher in areas with more accidents, traffic and crime.
- Driving record — Having accidents, DUIs, speeding tickets or other violations on your record will increase your insurance costs significantly.
- Age and experience — Teen drivers pay the highest rates, which start to decrease around age 25 as you gain more experience behind the wheel.
- Vehicle type — Insuring a sports car, luxury vehicle or high-performance model costs more than insuring an economy sedan. Newer cars also cost more to repair.
- Credit history — Massachusetts allows the use of credit-based insurance scores when pricing policies. Better credit means lower premiums.
- Coverage limits — Higher liability coverage limits cost more but provide greater protection if you cause an accident.
Average Cost of Car Insurance in MA
The average annual premium for minimum liability coverage in Massachusetts is around $600. For full coverage, the statewide average jumps to over $1,200 per year. However, rates from top insurers can be $400+ lower.
How We Selected the Cheapest Companies
To compile this list of the top cheap car insurance providers in Massachusetts, we gathered sample quotes from over 15 leading national and regional insurers. Quotes were generated for drivers with good credit and clean records. We focused on companies with the lowest average premiums.
The Top 5 Cheapest Car Insurers in MA
Based on our analysis, these insurers stand out for offering some of the most affordable car insurance rates in Massachusetts:
Safety Insurance
- Regional insurer with extremely competitive rates
- Popular for bundling home and auto policies
- Numerous discounts available including good driver, low mileage and good student
- Receive discounted rates for insuring multiple vehicles
Arbella Insurance
- Local insurer with large market share in Massachusetts
- Bundling home & auto insurance can save up to 15%
- Many discounts offered including defensive driver training and anti-theft devices
Plymouth Rock
- Regional carrier with highly rated financial strength
- Discount available for hybrid/electric vehicles
- Savings for multi-policy, safe driver, accident prevention and new vehicle
MAPFRE
- National insurer with competitive rates and online tools
- Rewards safe driving through the Better Driver program
- Bundling, multi-vehicle, multi-policy, and good driver discounts
Progressive
- National company with affordable rates in Massachusetts
- Numerous discount programs help lower premiums
- Rated A+ for financial strength by AM Best
Getting quotes from these top affordable insurers is a great starting point to find the cheapest car insurance in Massachusetts. Compare rates annually.
Ways to Get Lower Car Insurance Premiums in Massachusetts
There are several effective strategies Massachusetts drivers can use to reduce their auto insurance costs. Here are some top ways to save:
“Cutting your car insurance premiums starts with knowing all the discounts and savings opportunities available to you.”
Ask About Discounts
Most insurers offer discounts related to bundling policies, insuring multiple cars, completing defensive driving courses, using anti-theft devices, being a good student, and more. Ask about every potential discount.
Take Defensive Driving Courses
Completing an approved defensive driving class can earn you discounts up to 10% in Massachusetts. These courses teach accident avoidance and safe driving skills.
Raise Your Deductible
Opting for a $500, $1,000 or $2,000 deductible on comprehensive and collision coverage substantially lowers premiums. Just be sure you have adequate savings.
Improve Your Credit Score
Insurers use credit-based insurance scores significantly when pricing policies. Maintaining a score above 700 helps ensure the lowest premiums.
Ask About Discounts
Most insurers offer a variety of discounts to qualifying drivers. Be sure to inquire about savings related to:
- Multi-policy bundles
- Multi-vehicle policies
- Anti-theft devices
- Good driver programs
- Defensive driving courses
- Good student grades
- Automated payments
Taking advantage of every discount possible from your insurer is one of the best ways to lower your car insurance costs in Massachusetts.
Maintain a Clean Driving Record
Drivers with clean records absent of accidents, DUIs and traffic violations qualify for the lowest rates. Even a single ticket can raise your premium for 3–5 years. Always drive safely.
Raise Liability Limits
Consider whether raising your liability coverage above state minimums makes sense based on your assets and income. Higher limits cost more but provide greater protection.
Optimize Coverage Deductibles
Avoid overpaying by selecting optimal deductibles. Most drivers only need $500-$1,000 collision/comprehensive deductibles and minimum liability limits.
Getting the Lowest Car Insurance Quotes in MA
Finding the most affordable car insurance starts with requesting quotes from multiple top insurers in Massachusetts:
Compare Quotes From Multiple Insurers
Rates can vary significantly between different insurance providers. Make sure to get quotes from national companies like GEICO, Allstate and State Farm as well as regional options like Safety, Arbella and Plymouth Rock. Compare at least 5–6 quotes.
Bundle Home & Auto Insurance
Most companies offer a 10–15% discount or more if you bundle home and auto insurance. This incentive makes bundling a smart move for Massachusetts policyholders.
Maintain Good Driving Record
Having accidents, DUIs or moving violations on your record will substantially increase your insurance rates. Drive safely, obey traffic laws, and take defensive driving courses.
Use Online Comparison Tools
Insurer and third-party websites make it fast and easy to compare personalized rates. Provide the same info to each company for accurate quotes. Re-shop rates every 6 months.
Optimize Coverage Limits
Avoid overpaying by carefully selecting optimal liability limits and deductibles. Most drivers only need 100/300/100 limits and $500 or $1,000 collision/comprehensive deductibles.
Comparing quotes from the top affordable insurers is the best starting point to find the cheapest car insurance in Massachusetts. Rates can change often, so shop around regularly.
Final Tips for Getting the Best Car Insurance Rate in Massachusetts
Finding and keeping affordable car insurance rates requires being a proactive policyholder. Here are some final tips:
“The cheapest insurer for you can change often as companies adjust rates. Regularly comparing quotes is essential.”
Compare Quotes Frequently
Insurers change their rates multiple times per year. So compare personalized quotes from top insurers every 6 months to ensure you have the best deal.
Ask About All Available Discounts
Make sure you’re taking advantage of every discount your provider offers. Things like bundling policies, maintaining good credit, completing defensive driving courses, using anti-theft devices and paying annually can all lower your premium.
Consider Dropping Comprehensive & Collision on Older Cars
Once your vehicle is over 10 years old, it may make sense to remove comprehensive and collision coverage and just keep liability. This can save substantially on premiums.
Bundle Home & Auto Insurance
Almost every insurer provides a multi-policy discount of 10–15% or more. If you have separate home and auto policies, bundling them can lead to big annual savings.
FAQs
What are the minimum requirements in Massachusetts?
The minimum liability coverage amounts in MA are:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $5,000 property damage per accident
This is typically referred to as 20/40/5 coverage.
How can I get cheaper rates on car insurance?
The best ways to reduce premiums include comparing quotes, asking about discounts, taking defensive driving courses, raising deductibles, improving credit, and bundling policies.
What’s the average annual cost of car insurance in MA?
The average annual premium in MA is about $1,200 for full coverage. For minimum liability only, the average is around $600 per year. However, rates vary a lot by driver.
Which companies have the lowest car insurance rates in MA?
Some of the cheapest insurers in Massachusetts include Safety, Arbella, Plymouth Rock, MAPFRE, Progressive, Liberty Mutual, and Geico. Compare quotes to find the best rate.
What factors impact premiums the most?
The biggest factors affecting insurance costs in MA are location, driving record, age, credit score, vehicle type, coverage limits, and deductibles. Controlling these can lower your rates.
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