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Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Oct 21, 2022 Find cheaper car insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Get my free quotes Select from a variety of trusted carriers + MORE How it works Caret Down Get matched with personalized offers Tell us a little about yourself so we can share accurate and personalized offers. We only ask for info we know will impact your rate. Choose the best policy for you Compare your options from carriers who want to work with you, and select as many offers as you'd like. Finalize your rate and policy details Once you pick the carrier you want, finish the process by phone with an trusted agent or entirely online. That's it! On This Page
Compare rates and save on auto insurance today! Get quotes Close X When it comes to car insurance coverage, Massachusetts has the The low rate of uninsured drivers in Massachusetts likely plays a part in helping to keep the average cost of car insurance low in this state. According to Bankrate's 2021 study of quoted annual premiums, the average cost of full coverage car insurance in Massachusetts is $1,223 per year, which is $451 less than the national average. In addition to the low , some companies offer even lower average premiums to drivers in this state. According to our research, State Farm has one of the lowest average premiums in Massachusetts, at $306 per year for minimum coverage and $736 per year for full coverage. However, State Farm may not be the cheapest provider for you, since companies vary in how they calculate premiums. Your individual rate depends on numerous factors, including your personal characteristics, such as your driving record, claims history and vehicle type. See More The cheapest car insurance companies in Massachusetts
Whether you are looking for minimum coverage, a full coverage policy with add-ons or something in between, comparing sample rates may be helpful when weighing your options. Bankrate utilizes Quadrant Information Services and third-party sources to identify the cheapest carriers with both financial strength and high customer satisfaction ratings, which may help guide you in making a more informed decision This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. The cheapest companies for minimum coverage in Massachusetts
If you want to find the cheapest car insurance companies in Massachusetts, comparing quotes from several providers is one of the best ways to find the cheapest rates. This table below provides a snapshot of what some carriers could charge for minimum coverage. Car insurance company Average annual minimum coverage premium Average monthly minimum coverage premium $306 $26 $339 $28 $377 $31 $418 $35 $430 $36 The cheapest companies for full coverage in Massachusetts
Full coverage car insurance refers to policies that include and . Full coverage auto policies can provide greater financial protection, but these policies do cost more on average. The table below offers insight into what a full coverage policy might cost a driver in Massachusetts. Car insurance company Average annual full coverage premium Average monthly full coverage premium $736 $61 $827 $69 $959 $80 $1,026 $86 $1,166 $97 Events that can impact your cheap rates in Massachusetts
After you secure a policy, there are numerous life events and circumstances that can occur and impact your premiums. These may include: : Adding a teen driver to a policy can cause rates to increase, as teen drivers lack experience and are considered more of a risk behind the wheel. Teen drivers under the age of 18 have to be added to your policy, but to keep the premium increase to a minimum for an older teen, you may want to add your teen driver to your policy rather than purchasing a separate one. Over time, your teen’s rates will decrease as they gain more experience and keep a clean driving record. : Getting a speeding ticket is not ideal, but it can happen. That said, your rates will typically increase after getting a speeding ticket. You can expect to see an impact on your rates for between three to five years on average, but taking a defensive driver’s course or another type of driver safety course may help keep the impact to a minimum. : If you are involved in an at-fault accident, your insurance provider will typically not drop your coverage. However, your rates will likely increase. This impact is usually felt for about three to five years, but if you shop around for coverage, you may be able to reduce the cost of your insurance premiums. : High-risk drivers, which may include those or those with multiple moving violations, could face more challenges. Not only will these drivers likely pay higher premiums, but it may be harder to find an insurance provider willing to offer coverage. Comparison shopping will be an important strategy for these drivers to find coverage at an affordable rate. Cheapest cities in Massachusetts for minimum coverage
The state you live in, the city you live in and your ZIP code will also affect how much you . The table below provides examples of how rates for minimum coverage can vary by city, which is why it’s important to shop around for coverage when you move to a new city or ZIP code. City Average annual minimum coverage premium Average monthly minimum coverage premium Bernardston $357 $30 Savoy $357 $30 Deerfield $358 $30 Cummington $358 $30 Cheapest cities in Massachusetts for full coverage
auto insurance premiums can also vary from city to another. The table below outlines how full coverage auto insurance costs can differ from one city to another. City Average annual full coverage premium Average monthly full coverage premium Bernardston $902 $75 Deerfield $903 $75 Cheshire $905 $75 Cummington $909 $76 Minimum coverage requirements for Massachusetts drivers
to maintain a minimum amount of insurance coverage. This minimum coverage requirement includes: $20,000 in bodily injury liability per person $40,000 in bodily injury liability per accident $5,000 in property damage liability coverage per accident $20,000 uninsured motorist bodily injury per person $40,000 uninsured motorist bodily injury per accident $8,000 in personal injury protection (PIP) While it may be tempting to purchase the minimum auto coverage legally required in Massachusetts, doing so could put you at greater financial risk. There are numerous options for cheap car insurance in Massachusetts, and opting to purchase a more robust policy will give you better protection. As such, a more comprehensive policy could also keep you from facing financial disaster. Plus, if you lease or finance your vehicle, you will likely be required to carry full coverage to protect the lender from financial damages that occur to the vehicle. Here is how to find and keep cheap car insurance in Massachusetts
It’s important to find affordable car insurance rates, but you also want to keep them after you find a policy that’s suited for your household. As you search for the cheapest auto insurance in Massachusetts, keep the following in mind: from several national and regional insurance providers. Rates can vary quite a bit from one carrier to another. Shopping around shows you which carrier has the lowest rates for your situation. Coverage options and limits can also impact your costs. Maintain a clean driving record. Once you find the best rates, try to maintain a clean motor vehicle record and adopt the safest driving habits possible. This can help you to keep your low insurance rate. It’s also important to re-evaluate your policy after big life events, like a marriage or a move, to see if there are additional discounts you may qualify for. Frequently asked questions
The best car insurance in Massachusetts for you depends on your individual characteristics and preferences. To determine what car insurance company is best for your needs, it can be helpful to narrow down the options to the providers that offer the coverage types you want. For example, if you want gap coverage, you’ll have to purchase it from carriers other than State Farm and Geico, as neither offer this type of coverage. If you’re a high-risk driver with prior incidents on your record, you may need to find a carrier that caters to those needs. Your premiums will also likely vary among providers, so you may want to get quotes from multiple insurance carriers, especially if you’re looking for the cheapest car insurance in your area. If you’re unsure where to start, you may want to get quotes from the , which were chosen by Bankrate experts through an objective analysis.
The in the U.S. is $565 per year for minimum coverage and $1,674 for full coverage, which means the Massachusetts average is lower than the national average. Currently, Massachusetts drivers pay an average of $510 annually for minimum coverage and $1,223 per year for full coverage.
Massachusetts auto insurers typically use several to determine your auto premium. These include your motor vehicle record, auto claim history, ZIP code, annual miles driven, make and model of your vehicle, and coverages and deductibles chosen, so it’s important to comparison shop before purchasing a policy to ensure you’re getting the lowest rates. In addition to comparison shopping, another method for finding cheap car insurance rates in Massachusetts is to ask your insurance company and any prospective provider about available discounts. Most insurance companies offer a wide range of discounts to drivers, from safe driver, pay-in-full and bundling to multi-car discounts. Taking advantage of these types of money-saving opportunities can lead to savings on your policy. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Written by Sara Coleman Insurance Contributor Sara Coleman is an insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.