Auto Insurance in Massachusetts

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.

There’s nothing average about the Commonwealth of Massachusetts except for one thing: insurance premiums. The average cost of auto insurance in Massachusetts is just $20 higher than the national average, which is good news for Massachusetts residents.


Population: 6,745,408
US Average

Of course, premiums within the state can vary. Massachusetts has an evenly distributed population: it’s the 14th most populous state with 6.75 million people, but its largest city, Boston, is only the 24th most populous city in the country, with around 645,000 residents. The state lies on the Atlantic coast and includes the Cape Cod peninsula, while its western boundary is in the Berkshire Mountains. New England winters can see an awful lot of snow, so it’s a good idea to have snow tires to prevent accidents and proper insurance coverage for those accidents that can’t be avoided.

Massachusetts Minimum Liability

Bodily Injury

per person
per accident

Property Damage

per accident

Massachusetts has a very low minimum level of coverage. The state requires you to have $20,000 per-person and $40,000 per-accident bodily injury coverage, as well as $5,000 of coverage against property damage. The recommendation from insurers is that you have a minimum of 50/100/50 instead of just 20/40/5.

Even if you do get 50/100/50 coverage, that may not be enough. The average payout in bodily injury claims in 2013 was $15,443, and property damage claims averaged $3,231. These are below the Massachusetts state minimums, but it’s important to remember that these are the averages. Half of payouts were more expensive, and if the settlement is greater than your coverage, the shortfall will come out of your pocket.

The more coverage you can afford, the greater peace of mind you’ll have. If you can afford 100/300/100 coverage, you’ll find yourself with really robust protection should something go wrong. Of course, that means higher premiums, which is why it’s vital to shop around. Insurers have a vast array of rates, some of which are hidden, and you’ll have to dig deep in order to find the most affordable coverage available.

Cheapest Car Insurance in Massachusetts

Yearly Rate

  • $1,456
    Commerce Group Inc
  • $1,382
    Plymouth Rock Assurance
  • $2,251
    Liberty Mutual
  • $1,478
    Safety Group
  • $1,297
    Arbella Insurance Group

Sometimes you need to get your car on the road quickly, and that means picking a low-cost insurance option. This is a list of the most affordable auto insurance companies in Massachusetts: your best bets for getting coverage on a budget.

Don’t forget, though, that the cheapest premium isn’t always the best option in the long run. If you go for a company with poor customer service or a combative claims process, it could end up costing you more long-term. Shop around, and try to focus on value rather than price.

Where is car insurance most affordable?

Insurance costs vary from region to region across the state.

Cities such as Brockton, Lynn and Malden have some of the highest premiums in the state.

Premiums elsewhere in the state can sometimes be significantly under the national average, so check the list and see how your hometown stacks up.

Boston Auto Insurance

Population: 645,966

As one of the older cities in the United States, Boston has a road system that’s baffling to out-of-towners. The 645,00 native Bostonians know how to get around fine, although everyone struggles to find parking in this busy city. It’s a challenging city for drivers, but at least the insurance is affordable, with premiums that are only slightly above the state average.

Brockton Auto Insurance

Population: 94,304

Brockton is a town with a lot of fight in it: it’s the birthplace of both Marvin Hagler and Rocky Marciano. This city of 95,000 is also one of the windiest places in the United States. Wind speeds aren’t the only thing that’s high in Brockton: average insurance premiums here are the highest in the entire state.

Cambridge Auto Insurance

Population: 107,355

Cambridge must be one of the one of the smartest cities in the United States, as it’s home to both Harvard and MIT. The residents of Cambridge are certainly clever when it comes to negotiating their car insurance premiums, as they enjoy an average price that’s one of the lowest in Massachusetts. Take that, Yale!

Chicopee Auto Insurance

Population: 54,653

In the heart of Hampden county, Chicopee is a city that was once part of its neighbor, Springfield. Residents decided to break away and form their own city in 1848, which has had an unexpected consequence for the 55,000 residents today: They pay less than the state average for auto insurance, and significantly less than their Springfield neighbors.

Fall River Auto Insurance

Population: 91,938
Fall River

Fall River is best known for Battleship Cove, a maritime museum that’s home to the world’s largest collection of World War II battleships, including the “Big Mamie,” the U.S.S. Massachusetts. If you live here, you won’t get a sinking feeling when you shop for insurance quotes. The 91,000 residents of this city pay almost exactly the state average for auto insurance.

Haverhill Auto Insurance

Population: 58,969

The former shoe capital of the United States, Haverhill is still a vibrant city today and home to around 58,000 people. Those residents enjoy insurance premiums that are on average lower than those paid across the rest of the state.

Lawrence Auto Insurance

Population: 72,043

Right the heart of historic Essex county, Lawrence is a city with a remarkable history. If you are one of the 72,000 people who live in the Immigrant City, you might find yourself paying car insurance rates that are slightly higher than those elsewhere in the state, so be sure to shop for a good quote.

Lowell Auto Insurance

Population: 108,167

The fourth largest city in Massachusetts, Lowell is home to 108,000 residents who often rely on commuter rail services to travel to Boston. Insurance rates here are slightly lower than the state average, so insurance isn’t too big a burden. That’s good news for those moving here to attend UMass Lowell, one of America’s fastest-growing colleges.

Lynn Auto Insurance

Population: 89,050

The largest city in Essex county, Lynn is home to 89,000 people. It’s a town with some pretty sights, including several parks and the waterfront. One of the not-so-nice things about Lynn in the average cost of insurance premiums here, however. Residents of Lynn find themselves with one of the highest rates of auto insurance in the county, significantly higher than those in neighboring cities.

Malden Auto Insurance

Population: 56,340

Malden is another town with high insurance premiums, thought they are slightly lower than those in Lynn. Malden is a compact town of 59,000 people and was recently voted the best place in Massachusetts to raise a family. This is an old railroad town and is well served by both subway and commuter rail, so you may not need a car as much as you would in other cities.

Medford Auto Insurance

Population: 55,765

In the shadow of Boston, Medford has grown to become a city in its own right. It’s also home to Tufts University. If you’re one of the 55,000 residents of Medford, you can rest assured that you’re paying just under the national average for your car insurance.

New Bedford Auto Insurance

Population: 95,768
New Bedford

Ahoy! New Bedford is one of America’s most famous whaling towns and was where Herman Melville plied his trade on the whaling ships, before settling down to write a little book called Moby Dick. If Melville were alive today, he would find himself paying the state average for auto insurance here, as do the 96,000 current residents of the city.

Newton Auto Insurance

Population: 83,829

Known as the Garden City, Newton always ranks quite high on lists of the most desirable places to live in the United States. Despite having a population of 83,000, it feels like a small town with a friendly, welcoming atmosphere. One of the other reasons that it’s great to live in Newton is the cost of auto insurance. Premiums here are among the lowest in the state.

Quincy Auto Insurance

Population: 88,025

Quincy is so much more than a suburb of Boston. This proud city, home to 88,000 people, is also the birthplace of two presidents. If you’re signing a new car insurance policy in Quincy, your costs will be a little lower than in Boston and lower than the state average in general.

Somerville Auto Insurance

Population: 77,478

One of the most densely-populated cities in America, Somerville is home to 165,000 people in quite a small area. Luckily, it’s also one of the easiest cities to get around in. It’s extremely friendly to both pedestrians and cyclists, and is served by the subway and a good local bus service. Somerville residents who would prefer to drive pay slightly less than state averages for insurance.

Springfield Auto Insurance

Population: 153,082

If you hear someone in Springfield shouting “D’oh!”, it’s probably because they just checked their auto insurance quote. Premiums here are among the most expensive in the state. Still, it’s a great place to live for the 318,000 residents, with the Basketball Hall of Fame and a reliable bus system. It’s most famous resident was the great American painter, James Whistler.

Taunton Auto Insurance

Population: 55,976

Taunton is one of the very oldest towns in the United States, founded by settlers who came directly from Plymouth Rock. Today it’s home to 56,000 residents who keep it bustling and vibrant. If you live here and want to insure your car, then there’s good news: You’ll be paying considerably less than the state average for your coverage.

Waltham Auto Insurance

Population: 59,226

Formerly been a manufacturing powerhouse, Waltham is still known as the Watch City in honor of one of its biggest industries. These days it’s a modern, urban center with a population of just under 60,000 people who mostly rely on cars to get around. For those residents, there’s the bonus of knowing that you’re paying the lowest auto insurance premiums in the state.

Worcester Auto Insurance

Population: 182,544

The city of love. Surely that’s Paris? Nope. Worcester is home of that ultimate symbol of romance: the Valentine’s Day card. It still has a heart in its official logo to commemorate its role in the history of love. A large city of 182,000 people, residents find themselves neither loving nor hating their insurance premiums, with costs being roughly equal to the state average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.