How Much are Massachusetts Car Insurance Quotes?
Enter your Massachusetts zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 19, 2019
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For drivers in Massachusetts, one of the big components that determine insurance cost is your address in Massachusetts. Cities with larger populations or higher claim trends like Revere, Lynn, and Springfield will most likely pay more, whereas less populated areas have the luxury of lower rates.
The next table lists the most expensive areas in Massachusetts to purchase a policy in.
|Rank||City||Premium Per Year|
|Compare Prices Now Go|
Annual rates are estimated as zip code location can change coverage rates substantially.
Figuring out which company has the cheapest auto insurance rates in Massachusetts will require more work in order to find the lowest price. Each insurer uses a slightly different approach for establishing rates, so to begin we’ll rank the lowest cost auto insurance companies in Massachusetts.
It’s a good idea to know that Massachusetts auto insurance rates are impacted by many factors that will increase or decrease the cost of having a policy. Simply improving your credit, moving to a different location, or getting a couple of tickets may generate price changes resulting in some rates now being cheaper than others.
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$807|
|9||Norfolk and Dedham||$1,068|
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State Farm offers some of the most affordable car insurance rates in Massachusetts at around $741 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also some of the lowest-priced Massachusetts insurance companies.
As the example above demonstrates, if you currently have coverage with Commerce Group and switched to National Grange Mutual, you might see a yearly price reduction of around $68. Customers with OneBeacon might save as much as $105 a year, and Arbella policyholders might lower prices by up to $193 a year.
Bear in mind that those premium estimates are averages across all drivers and vehicles in Massachusetts and and are not figured with a price discount in Massachusetts. So the auto insurance company that has the cheapest price for you may not even be in the above list. That is why you need to compare rates from multiple companies using your own specific driver and vehicle information.
The make and model of vehicle requiring insurance is one of the largest considerations in finding the lowest-priced insurance in Massachusetts. Vehicles with high performance features, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The table below outlines auto insurance costs for a selection of the most affordable vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape Limited 4WD||$714|
|Hyundai Tucson GLS 2WD||$720|
|Dodge Grand Caravan SE||$734|
|Subaru Forester X Limited Edition AWD||$746|
|Hyundai Santa Fe GLS 2WD||$762|
|Ford Edge SEL AWD||$767|
|Honda CR-V EX-L 4WD||$768|
|Volkswagen Jetta 2.0T Station Wagon||$770|
|Ford Fusion S 4-Dr Sedan||$776|
|Chevrolet Traverse LT 2WD||$780|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$792|
|Ford Focus SES 4-Dr Sedan||$802|
|Chevrolet Impala LTZ||$816|
|Jeep Grand Cherokee SRT-8 4WD||$832|
|Toyota Highlander 2WD||$834|
|Ford F-150 Lariat Crew Cab Harley 4WD||$848|
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location which can raise or lower auto insurance rates significantly.
Based upon the table data, you can infer that models like the Ford Escape, Hyundai Tucson, Dodge Grand Caravan, and Subaru Forester are the more affordable vehicles to insure for drivers in Massachusetts.
Discounts on cheap Massachusetts car insurance quotes
Insurers that offer quotes in Massachusetts may additionally offer premium discounts that can lower rates by as much as 35% or more if you meet eligibility requirements. Companies and some of the premium reductions they offer can be found below.
- State Farm may include discounts for good student, student away at school, driver’s education, anti-theft, accident-free, and passive restraint.
- Farmers Insurance has savings for teen driver, youthful driver, pay in full, multi-car, mature driver, and distant student.
- GEICO may offer discounts for air bags, seat belt use, military active duty, defensive driver, anti-theft, emergency military deployment, and driver training.
- American Family policyholders can earn discounts including Steer into Savings, defensive driver, bundled insurance, good student, multi-vehicle, and air bags.
- Nationwide includes discounts for defensive driving, Farm Bureau membership, business or organization, easy pay, multi-policy, and accident-free.
- Progressive offers premium reductions for multi-vehicle, online quote discount, multi-policy, good student, continuous coverage, homeowner, and online signing.
The information below visualizes the comparison of premium costs with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Massachusetts state minimum liability limits, full coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with safe-driver, homeowner, claim-free, passive restraint, multiple vehicle, and marriage discounts applied. In this example, the average amount saved on auto insurance in Massachusetts is 28% or $620.
Picking the best auto insurance provider is difficult considering how many companies there are in Massachusetts. The company information in the lists below could help you analyze which insurers you want to consider when trying to find cheaper insurance in Massachusetts.
These ratings are for the companies with a significant amount of written premium nationwide, so companies with more of a regional focus are not factored into this list. If you’d like to compare prices from these and other competitive companies, click here.
Top 10 Large Auto Insurance Companies in Massachusetts Ranked by Customer Service
- The Hartford
- American Family
- State Farm
- Farmers Insurance
- Liberty Mutual
Why you should be shopping around
Massachusetts auto insurance rates are influenced by many factors that will increase or decrease the price of your policy. Simply having another birthday, buying a new vehicle, or getting a few speeding tickets may cause policy rate changes that can make some companies much cheaper than others.
And not only may your rating factors change, but car insurance companies file new Massachusetts car insurance rates as often as every three months in order to offset underwriting gains or losses. Larger than normal claims can cause rate hikes, while a better claims history may cause more affordable Massachusetts car insurance rates.
For instance, the bar chart below shows rates for the cheapest car insurance in Massachusetts for a 35-year-old female driver with no violations or accidents, and a good credit history. If we estimate rates based on her personal risk profile, State Farm quotes the lowest car insurance rates in Massachusetts at $719 annually. This is $516 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon round out the rest of the cheapest Massachusetts auto insurance companies.
In this example, we will give the driver from the first example an accident claim, a little lower credit rating, and a few traffic violations. Since every insurance provider has their own process for determining prices, comparing insurance quotes will most likely result in a slightly different list of cheap Massachusetts auto insurance companies as shown below.
Progressive now has the best auto insurance rate in Massachusetts with USAA, Norfolk and Dedham, Amica, and National Grange Mutual now being in the top five. This shows why Massachusetts drivers need to shop around with many companies when trying to find the lowest auto insurance quotes in Massachusetts.
Insurance prices are made up of many risk factors and can decrease or increase without notice, so the best company the last time you shopped your coverage around may now be one of the more expensive options.
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