Cheapest Car Insurance in Massachusetts

Plymouth Rock Assurance has the cheapest car insurance in Massachusetts among the five insurers we compared, at $145 a month for full coverage. Progressive ($160) and GEICO ($161) come next, and Arbella costs the most at $231. Across all five, our sample driver pays $182 a month for full coverage. Plymouth Rock also has the lowest liability-only price, $55 a month, but that price uses 20/40/5 limits, the ones Massachusetts retired on July 1, 2025. Below you will find the lowest price at three coverage levels, the towns and counties where Massachusetts drivers pay the least and what the new 25/50/30 rules mean for your quote.

Source: Quadrant Information Services rate data for Massachusetts, effective Sept. 30, 2026, run for a single sample driver. These are modeled prices, never quotes or offers. Page updated Nov. 2, 2026. See how we priced Massachusetts

Cheapest Car Insurance in Massachusetts at a Glance

How Much Is Car Insurance in Massachusetts?

Our sample driver would pay $182 a month, or $2,178 a year, for full coverage if he took the average of the five insurers we compared. The 50/100/50 package averages $178 a month, and liability only at 20/40/5 limits averages $69.

What stands out in Massachusetts is who sits at each end of that range. Three of the five insurers we compared, Plymouth Rock, Safety and Arbella, are regional brands, while Progressive and GEICO sell nationwide. A regional brand holds the lowest full-coverage price ($145) and another holds the highest ($231), so the company name tells you little about the price. Against the $182 average, Plymouth Rock saves $37 a month.

The 2025 Rule Change and Our 20/40/5 Liability Prices

Quadrant’s liability-only package carries the limits that applied before the change. Chapter 275 of the Acts of 2024 moved the bodily injury requirement to 25/50 and the property damage requirement to $30,000 for policies taking effect after that date. The property damage change is the largest: $5,000 became $30,000.

Old limits in our data (20/40/5) next to the current Massachusetts requirement (25/50/30)

Liability coverage	Our liability-only prices (20/40/5)	Massachusetts law now (25/50/30)
Injuries to others, one person	$20,000	$25,000
Injuries to others, per accident	$40,000	$50,000
Damage to others’ property, per accident	$5,000	$30,000
In force for	Policies written or renewed before July 1, 2025	Policies written or renewed from July 1, 2025

The law’s required package also includes uninsured motorist coverage at 25/50 and personal injury protection of up to $8,000 per person. PIP stayed at $8,000 when the other limits rose. Our data lists the liability limits of each package but not PIP, so read the liability-only prices as a comparison between insurers, not as the cost of a policy you could buy today. We label them “Liability Only 20/40/5” everywhere on this page and never call them the Massachusetts minimum.

Sources: Chapter 275 of the Acts of 2024; M.G.L. c. 90, § 34O; Massachusetts Division of Insurance, notice 2025-A.

The Cheapest Insurer at Each Level of Coverage

Plymouth Rock has the lowest price at all three levels. The runner-up changes: GEICO is second for liability only and 50/100/50, while Progressive is second for full coverage, just one dollar a month ahead of GEICO.

Measured on yearly prices, Plymouth Rock’s lead is 9.6% for full coverage (over Progressive), 5.0% for 50/100/50 and 4.6% for liability only (both over GEICO). A margin of 5% can disappear for a different driver, car or town, so quote at least two of the cheapest names before you decide.

Plymouth Rock, Progressive, GEICO, Safety and Arbella: Prices Side by Side

All five insurers returned a price for every Massachusetts ZIP code in our data. The bars below line up their full-coverage prices for the same driver, car and limits, so the shorter the bar, the lower the monthly cost.

Monthly price by insurer at each coverage level, with the yearly price under each figure, sorted from lowest to highest full coverage; the last row is the five-company monthly average

Insurer	Liability Only 20/40/5	50/100/50	Full coverage
Plymouth Rock	$55 ($659)	$145 ($1,734)	$145 ($1,740)
Progressive	$89 ($1,070)	$162 ($1,945)	$160 ($1,925)
GEICO	$58 ($691)	$152 ($1,826)	$161 ($1,928)
Safety	$68 ($820)	$206 ($2,474)	$210 ($2,525)
Arbella	$76 ($916)	$225 ($2,694)	$231 ($2,772)
State average	$69	$178	$182

The spread between the cheapest and priciest company is wide. Full coverage at Arbella runs $86 a month above Plymouth Rock, which is $1,032 over twelve months with nothing else changed. Safety is 45% above Plymouth Rock on yearly prices and Arbella is 59% above it.

Progressive flips between tiers. It ranks second for full coverage at $160, yet its liability-only price of $89 is the highest of the five, $34 a month ($411 a year) above Plymouth Rock. A shopper who compares only liability prices and one who compares only full-coverage prices would reach opposite verdicts on Progressive.

Quadrant returned Massachusetts prices for these five companies only, so a rate change at any one of them shifts the averages. Other insurers write policies in the state as well, which is another reason to gather several quotes.

Which Coverage Level Fits: Liability, 50/100/50 or Full?

Moving from liability only at 20/40/5 to 50/100/50 adds $109 a month on the statewide average ($69 to $178), or $1,304 a year. The next move, to full coverage, adds only $4 a month ($43 a year). Since the liability-only tier sits under today’s requirement, a legal 25/50/30 policy would shrink that first jump.

Upgrading from 50/100/50 to full coverage costs almost nothing in Massachusetts. Plymouth Rock charges $145 a month for either one, just $6 apart over a year. GEICO adds $9 a month for the upgrade, Safety $4 and Arbella $6, while Progressive actually charges $2 a month less for full coverage ($20 a year). In return, injury limits climb from 50/100 to 100/300 and uninsured and underinsured motorist limits of 100/300 come with the policy. When you request a 50/100/50 quote, request the full-coverage version too.

Where in Massachusetts Car Insurance Costs the Least

Counties need three or more priced ZIP codes to be ranked. Eleven of the state’s 14 clear that bar, each with eight or more.

Massachusetts counties ranked by full-coverage price

Average full-coverage price in each of the 11 ranked counties, cheapest first

County	ZIPs in data	Monthly	Yearly
Berkshire County	8	$141	$1,695
Hampshire County	11	$155	$1,861
Barnstable County	17	$161	$1,929
Worcester County	52	$166	$1,990
Middlesex County	72	$171	$2,052
Norfolk County	35	$178	$2,131
Plymouth County	27	$183	$2,197
Essex County	35	$183	$2,201
Bristol County	27	$191	$2,295
Hampden County	23	$204	$2,443
Suffolk County	27	$254	$3,053
Statewide	339	$182	$2,178

Massachusetts counties ranked by liability-only price

Average Liability Only 20/40/5 price in the same 11 counties, cheapest first

County	ZIPs in data	Monthly	Yearly
Berkshire County	8	$53	$630
Hampshire County	11	$60	$716
Barnstable County	17	$62	$742
Worcester County	52	$63	$753
Middlesex County	72	$65	$785
Norfolk County	35	$69	$823
Essex County	35	$70	$837
Plymouth County	27	$71	$856
Bristol County	27	$74	$891
Hampden County	23	$81	$974
Suffolk County	27	$92	$1,098
Statewide	339	$69	$831

Berkshire County, in the western part of the state, ranks first on both lists, averaging $141 a month for full coverage and $53 on liability only. Suffolk County, which includes Boston, is the most expensive on both. Suffolk’s full-coverage average sits $113 a month ($1,358 a year, 80%) over Berkshire’s, and on liability only the distance is $39 a month ($468 a year, 74%). Barnstable County, which covers Cape Cod, ranks third on both lists at $161 for full coverage.

Nantucket, Dukes and Franklin counties fall short of three priced ZIP codes (Nantucket (1), Dukes (2), Franklin (2)) and are not ranked. Their ZIP codes still show up in the ZIP tables below.

Cheapest Massachusetts ZIP codes

The 10 cheapest ZIP codes for full coverage among the 339 we price

ZIP code	Town	Monthly	Yearly
02653	Orleans	$133	$1,597
02642	Eastham	$134	$1,610
02554	Nantucket	$135	$1,614
02631	Brewster	$135	$1,619
01267	Williamstown	$136	$1,626
01742	Concord	$136	$1,630
01775	Stow	$136	$1,632
01220	Adams	$136	$1,635
01460	Littleton	$137	$1,643
01451	Harvard	$138	$1,650
02119	Roxbury (priciest)	$343	$4,114

The 10 cheapest ZIP codes for Liability Only 20/40/5 among the 339 we price

ZIP code	Town	Monthly	Yearly
02642	Eastham	$49	$589
02653	Orleans	$49	$589
01451	Harvard	$49	$591
02554	Nantucket	$49	$591
02539	Edgartown	$50	$595
01742	Concord	$50	$596
01450	Groton	$50	$597
02631	Brewster	$50	$597
01267	Williamstown	$50	$598
01460	Littleton	$50	$598
02119	Roxbury (priciest)	$122	$1,466

The cheapest ZIP codes cluster on Cape Cod, in the Berkshires and in the towns west and northwest of Boston. Orleans, Eastham and Brewster are on the Cape; Williamstown and Adams are in Berkshire County; Concord, Stow, Littleton, Harvard and Groton sit in the Middlesex and Worcester county suburbs. Nantucket and Edgartown, on the islands, also place in the top ten. The most expensive ZIP code is Roxbury, 02119, at $343 a month for full coverage and $122 for liability only. Dorchester (02121, $335 full) and Brockton (02301, $296 full) are the next dearest. From Orleans to Roxbury the full-coverage difference is $210 a month, a bigger swing than the $86 between the cheapest and priciest company.

What Massachusetts Law Requires, and How the 2025 Change Works

Every registered vehicle in Massachusetts needs insurance. Any policy written or renewed on or after July 1, 2025, must contain four compulsory coverages, set by Chapter 275 of the Acts of 2024 and Division of Insurance notice 2025-A:

• Bodily injury to others: up to $25,000 for one injured person and $50,000 in total for an accident.
• Property damage to others: $30,000 per accident. Until July 1, 2025, the figure was $5,000, and the bodily injury floor was 20/40.
• Uninsured motorist coverage: the same 25/50 limits, for injuries an uninsured driver causes you.
• Personal injury protection (PIP): up to $8,000 per person, unchanged by the 2025 law.

The Division of Insurance lists the optional extras as collision, comprehensive, underinsured motorist coverage, medical payments and bodily injury limits above the floor. Uninsured motorist coverage is built into every policy and cannot be removed, under M.G.L. c. 175, § 113L; the underinsured version is the one you choose to add.

No-fault rules and how PIP pays

After a crash, PIP pays your medical bills, replacement services and up to 75% of your lost wages, to a maximum of $8,000 per person, whoever was at fault, under M.G.L. c. 90, § 34A. When you also have health insurance, PIP covers the first $2,000 and your health plan takes over from there, according to the Division of Insurance.

This is why Massachusetts is called a no-fault state for injuries. A lawsuit for pain and suffering is allowed only when medical expenses pass $2,000 or the injury involves a death, a fracture, serious and permanent disfigurement, the loss of a body part or the loss of sight or hearing, under M.G.L. c. 231, § 6D. Partial blame does not bar a claim: you can recover as long as your share of the fault is no greater than the other driver’s, and the award shrinks by your share, under M.G.L. c. 231, § 85. PIP is for injuries only, so repairs to your car come from the at-fault driver’s property damage liability coverage or from your own collision coverage.

Registering a car takes proof of coverage: your insurer stamps the Registry of Motor Vehicles Registration and Title Application. People moving in from another state must register right away, with no grace period, according to the RMV.

Penalties for driving without insurance in Massachusetts

Penalties for driving an uninsured vehicle under M.G.L. c. 90, § 34J

Penalty	What the law says
Fine or jail	A fine of up to $5,000, up to one year in jail, or both
License suspension	60 days for a first offense; one year for a repeat within six years
Registration reinstatement after an insurance cancellation	$50, according to the RMV fee schedule

Sources: M.G.L. c. 90, § 34J; RMV schedule of fees.

How Massachusetts insurers price you

Massachusetts narrows what an insurer can hold against you. Credit information, gender, marital status, occupation, income, education and homeownership are all off limits, and age can be used only to give drivers 65 and older a discount, under M.G.L. c. 175, § 4E, § 113B and the Division of Insurance consumer bill of rights. Incidents from more than six years back cannot touch your premium. What does count is your driving record, scored by the Safe Driver Insurance Plan under 211 CMR 134.00 and the Division of Insurance:

Safe Driver Insurance Plan surcharge points for incidents in the past six years

Incident	Points
Minor traffic violation	2
Minor at-fault accident (claim payments over $1,000, up to $5,000)	3
Major at-fault accident (claim payments over $5,000)	4
Major traffic violation	5
An accident is at fault when	Payments pass $1,000 and you carry more than half the blame

The Division of Insurance confirms that threshold, and adds that six incident-free years earn the biggest credit. A driver turned down by every company can still get a policy through the Massachusetts Automobile Insurance Plan (MAIP), which places each applicant with an insurer for up to three years, per the consumer bill of rights.

7 Ways to Cut Your Massachusetts Car Insurance Bill

1. Quote all five insurers. Full coverage for our sample driver ranges from $145 a month at Plymouth Rock to $231 at Arbella. Choosing the wrong company can add $1,032 to a year’s bill.
2. Ask for the current limits. Have every company quote 25/50 bodily injury with $30,000 of property damage. A quote at the old 20/40/5 limits is not a legal policy, and it will look cheaper than a real one.
3. Get both 50/100/50 and full-coverage quotes. At the five companies we priced, the gap runs from $0 to $9 a month, and Progressive is $2 lower for full coverage. Stronger limits can cost very little extra.
4. Keep your record clean for six years. Violations and at-fault accidents carry surcharge points for six years, and a spotless stretch of that length earns the largest credit, according to the Division of Insurance.
5. Find out how a claim was scored. A smaller accident adds no points unless payments pass $1,000 and you were mostly to blame, so ask your insurer how it rated yours.
6. Ask about discounts. Age can be used only for a 65-and-older discount, under M.G.L. c. 175, § 113B, so ask each company which other discounts you qualify for.
7. Move when a better price appears. Companies here have set their own rates since 2008 once the Division of Insurance approves them, and you can change insurers at any time, not just at renewal, according to the Division of Insurance.

If an insurer treats you badly, the Division of Insurance accepts complaints through its online filing page.

How to Get Comparable Car Insurance Quotes in Massachusetts

Our prices fit one sample driver. Your own Massachusetts quote will turn on your car, your surcharge points, everyone who drives it and the town where it sleeps at night. A few habits keep quotes comparable:

• Request the same bodily injury limits from each company, 25/50 or higher, with at least $30,000 of property damage.
• Pick one pair of collision and comprehensive deductibles and use it everywhere.
• Decide whether to add underinsured motorist coverage; the uninsured version is already in every policy.
• Check how your health plan meshes with PIP, which pays the first $2,000 of medical bills before the plan becomes primary.
• Give every company the identical drivers, vehicles and garaging address.

Cheap Car Insurance in Massachusetts Cities

The Boston area costs the most in our data. Suffolk County holds 27 of the 339 ZIP codes we price, and it posts the top average on both coverage levels. Roxbury and Dorchester, the two dearest ZIP codes, are both inside it. Averages hide a lot, though: Plymouth County comes in at $183 a month for full coverage, yet Brockton’s ZIP code 02301 costs $296. The bargains show up in smaller communities on Cape Cod, in the Berkshires and west of Boston.

Boston has its own page: cheap car insurance in Boston.

How We Priced Massachusetts Car Insurance

Insurers must file their rates and rating rules with Massachusetts regulators. Quadrant Information Services runs those filed rules for a fixed profile and records what each company would charge. We then rank and average the Massachusetts results, which use the rate tables live on Sept. 30, 2026.

• The driver: a single 40-year-old man, licensed for 24 years, with a clean record. His car is a 2024 Toyota Camry LE that he owns, used for personal driving. Massachusetts bars insurers from rating on credit, gender and marital status, so those traits should move prices less here than in most states.
• The coverage: three packages. Liability Only 20/40/5 omits comprehensive and collision. The 50/100/50 package adds $500 deductibles. Full coverage pairs 100/300/100 liability with uninsured and underinsured motorist limits of 100/300 and $500 comprehensive and collision deductibles. The data lists liability limits but does not itemize PIP, which every Massachusetts policy carries.
• The sample: 339 ZIP codes across 14 counties. Plymouth Rock, Progressive, GEICO, Safety and Arbella each returned a price for all of them, giving 1,695 prices at every coverage level.
• The math: every insurer contributes one figure per ZIP code, its cheapest result for our driver. State, county and ZIP averages are plain means of those figures across the five insurers. Monthly figures are annual prices ÷ 12, rounded to whole dollars.
• Naming the cheapest: an insurer is eligible if it sells to all drivers and prices at least half of the state’s ZIP codes. Companies within 3% of the leader on yearly price would share the title. Plymouth Rock’s full-coverage price is 9.6% under Progressive’s, so it stands alone.
• What we left out: no Massachusetts price was dropped. Every result Quadrant returned for these five insurers is in the averages. Only the county rankings skip areas, namely counties with one or two priced ZIP codes.

Your own price will differ with your address, car, record, limits and discounts. Treat everything on this page as a modeled sample, never as a quote, offer or promise.

Massachusetts Car Insurance Questions, Answered

How much is car insurance in Massachusetts?

A full-coverage policy averages $182 per month, $2,178 per year, across the five insurers we compared for our sample driver, based on Sept. 30, 2026 rates. A 50/100/50 policy averages $178. Company averages run from $145 to $231, and county averages from $141 to $254.

Who has the cheapest car insurance in Massachusetts right now?

Plymouth Rock Assurance, among the five insurers we compared, on rates as of Sept. 30, 2026. It is lowest at all three levels: $145 a month for full coverage, $145 for 50/100/50 and $55 for Liability Only 20/40/5. Progressive ($160) and GEICO ($161) follow for full coverage, and the $55 price sits below the current legal limits.

Is $200 a month a lot for car insurance in Massachusetts?

It is above average here. Our five-insurer full-coverage average is $182 a month, and Plymouth Rock’s lowest price is $145, so $200 sits $18 over the average and $55 over the cheapest. Only two of the 11 ranked counties average more than $200: Hampden at $204 and Suffolk at $254.

What is the cheapest car insurance that is legal in Massachusetts?

A policy that carries 25/50 bodily injury liability, $30,000 of property damage liability, 25/50 uninsured motorist coverage and $8,000 of personal injury protection. Our liability-only prices use the older 20/40/5 limits, so the $55 figure does not price a legal policy bought today. Expect quotes at legal limits to run higher.

What changed in Massachusetts car insurance on July 1, 2025?

Chapter 275 of the Acts of 2024 lifted required bodily injury limits from 20/40 to 25/50 and required property damage coverage from $5,000 to $30,000. The new floors cover any policy written or renewed from that date. Uninsured motorist coverage at 25/50 is compulsory, and PIP stayed at $8,000.

Is GEICO or Progressive cheaper in Massachusetts?

It depends on the coverage level. Progressive is $1 a month cheaper for full coverage, $160 against $161. GEICO is cheaper at 50/100/50, $152 against $162, and far cheaper for Liability Only 20/40/5, $58 against $89. Both trail Plymouth Rock at every level, so compare all three before choosing.

Why is car insurance so expensive in Massachusetts?

Massachusetts prices vary widely in our data, though we cannot say what drives them. Full-coverage averages range from $141 in Berkshire County to $254 in Suffolk County, and single ZIP codes from $133 in Orleans to $343 in Roxbury. Even among insurers the spread is $86 a month, Plymouth Rock’s $145 to Arbella’s $231.

What is the minimum car insurance in Massachusetts?

Policies written or renewed on or after July 1, 2025 need 25/50 bodily injury liability and $30,000 of property damage liability, plus 25/50 uninsured motorist coverage and $8,000 of personal injury protection, per the Division of Insurance notice. Our Liability Only 20/40/5 package falls below that law.

Is 50/100/50 enough car insurance in Massachusetts?

Only you can decide that, but 50/100/50 liability is double the required 25/50 injury limits and above the $30,000 property damage floor. It averages $178 a month, $4 under full coverage’s $182, and Plymouth Rock is lowest at $145. Liability limits pay other people after a crash you cause; collision and comprehensive repair your own car.

How much is full coverage car insurance in Massachusetts?

Full coverage averages $182 a month, or $2,178 a year, across the five insurers we compared, and Plymouth Rock has the lowest price at $145, or $1,740 a year. Our full coverage means 100/300/100 liability limits plus collision, comprehensive and uninsured motorist coverage, all with $500 deductibles, for one sample driver.

Is liability coverage full coverage?

No, they are different things. Liability covers claims from the other side of a crash you cause. Triple-I, the Insurance Information Institute, defines “full coverage” as liability combined with collision and comprehensive protection for your own vehicle. In our Massachusetts data, Liability Only 20/40/5 costs $55 a month at the cheapest and $69 on average, against $145 and $182 for full coverage.

Does credit score affect car insurance in Massachusetts?

No. Under M.G.L. c. 175E, section 4, private passenger auto rates may not be based in whole or in part on credit information, including a credit-based insurance score, and insurers may not refuse to issue or renew a policy because of it.

What happens if you drive without insurance in Massachusetts?

The penalty is a fine of $500 to $5,000, up to one year in the house of correction, or both, plus a 60-day license suspension. A second conviction within six years brings a one-year suspension. A first offense with no priors carries a fine of up to $500, under M.G.L. c. 90, section 34J.

How do traffic violations and accidents affect car insurance in Massachusetts?

They add surcharge points under the Safe Driver Insurance Plan: 2 for a minor traffic violation, 3 for a minor at-fault accident, 4 for a major at-fault accident and 5 for a major traffic violation. Insurers look back over five to six years. Our prices assume a clean record.

Where is car insurance cheapest in Massachusetts?

Berkshire County posts the lowest averages among counties where we price at least three ZIP codes, with averages of $141 for full coverage and $53 for liability only. Among single ZIP codes, Orleans (02653) on Cape Cod is cheapest for full coverage at $133, and Roxbury (02119) is the most expensive.

Is Massachusetts a no-fault state for car insurance?

Yes, for injuries. Personal injury protection pays medical bills and part of lost income, up to $8,000, whoever caused the crash. A pain-and-suffering lawsuit is possible only after more than $2,000 in medical expenses, or a death, fracture, disfigurement or loss of a body part, sight or hearing. Car damage is handled separately.

How can I get cheap car insurance quotes in Massachusetts?

Give each insurer the same limits, 25/50/30 or higher, and the same deductibles. For our sample driver, full-coverage prices differed by $86 a month between the cheapest and priciest company, and by $210 a month between ZIP codes 02653 and 02119. Then ask each company about discounts and compare the totals.