While some New England states are the most expensive for car insurance, Massachusetts is not one of them. Massachusetts is actually the eighth-cheapest state for complete coverage. The average cost for car insurance is $1,223 per year. In Massachusetts, the minimum is $510 per year. The average cost of car Insurance in Massachusetts is lower than other states. However, there are other factors that influence affordability.
Massachusetts has the lowest death rate per 100,000 drivers. Massachusetts has only 5.2 deaths per 100,000 drivers, according to the latest IIHS study. Others states like South Carolina and Mississippi have much higher death rates, with well over 20 deaths per 100,000 drivers.
It does not mean that you shouldn’t shop around or that there aren’t deals out there. You may be able pay considerably less by switching to carriers with the right company and using the right discounts
Massachusetts’s cheapest car insurance company
We compared the rates and discounts offered by the largest providers to find the lowest auto insurance in Massachusetts. Massachusetts’ largest providers are the ones that can offer the lowest premiums.
These providers could be a good choice for drivers looking for Massachusetts’ cheapest car insurance:
Plymouth Rock is unique in that you can receive a discount on your policy by simply signing a security pledge. Although it is a small discount, it could help you save every month. You promise to do things that you would normally do. This includes:
- Use headlights at night and dusk
- Night lock your car doors
- Wearing your seatbelt
It also offers an advance shopping discount. Plymouth Rock offers a discount for customers who set their insurance policies to start within a few days of signing.
Plymouth Rock offers all the usual car insurance discounts that you would expect an insurer to offer. Massachusetts drivers will enjoy the best savings through the bundle and paid-in full discounts.
Safety allows drivers to save significant money by using Safety for all their insurance needs. According to Safety, you can save as much as 6% on your renters or condominium insurance by purchasing through Safety. You could save up to 10% by using them for homeowners insurance.
Accident-free living is the best way to save money. You can save 24% on your Safety premium if you go 6 years without any accident or incident. You could save 10% if you go 5 years. Participating in Control’s Crash Prevention class can save you 5% on your insurance.
Arabella Insurance makes it easy to switch by offering a 20% discount when you purchase car or home insurance. For drivers over 65, a 25% discount may be offered on premiums. Additional discounts include 36% off cars with anti-theft devices, and 10% for driving hybrids or electric vehicles.
Geico is often ranked among the top ten most affordable car insurance companies. You can get discounts up to 12 percent on your Geico car insurance. Geico is one of few carriers that will offer you an affiliation discount. To help you find the best auto insurance in Massachusetts, Geico also offers military, bundling, and car-safety discount options.
Progressive makes it easy to compare Massachusetts car insurance rates. Name Your Price Tool allows you to start by choosing a rate that you can afford and then it will show you what coverage is available within your budget. This is a different way to get car insurance. However, it’s a good option if you have a limited budget and are looking for affordable coverage.
Massachusetts drivers must have minimum coverage
In all states drivers must have a minimum amount of insurance coverage. Massachusetts has 20/40/5 minimum insurance requirements. This means:
- $20,000 per person to cover bodily injury/death
- $40,000 per accident for bodily injuries/death
- Property damage: $5,000 per accident
Massachusetts is also a state of no-fault, which means that drivers must also carry personal injury protection (PIP). PIP covers your medical costs if you are injured in an accident.
The lowest rate will be paid to drivers who have the minimum state-required insurance coverage. Most insurance companies recommend that drivers have more coverage than is necessary. Massachusetts drivers who cause property damage are particularly vulnerable.
In some cases, the minimum coverage required may not cover all costs associated with an accident. A Massachusetts driver who causes $25,000 worth of property damage in an accident would be required to pay $20,000 if they have the minimum coverage of $5,000.
How to Get Massachusetts Car Insurance at a Cheap Price
Massachusetts drivers can get cheap car insurance in a number of ways. Here are some suggestions:
- Multiple rate quotes: Get several quotes from different companies when shopping for insurance. Compare rates to find the best rate for you.
- Learn to drive: Many car insurance companies offer discounts to drivers who complete approved defensive driving courses or driver safety training courses. Teen drivers may be able to benefit from this discount.
- Safe driving habits can lead to lower insurance premiums. Many insurance companies offer a safe driver discount program. This allows you to install a small device inside your car that monitors your driving habits, such as speed and lane control.
- You can pay your entire policy in full. Some providers offer discounts if you pay bi-annually instead of monthly. This discount can be a great way to reduce your costs.
- Your deductible can be increased: Although your provider won’t provide as much cash in case of a claim due to an increase in your deductible, it will lower your premiums and save you money.
- Many insurance companies offer discounts to their customers. Customers who are loyal to their company will get the best payoff. This means that they can insure multiple vehicles, or your condo, home, or apartment.
Questions frequently asked
What is the best Massachusetts car insurance?
The best Massachusetts car insurance company is technically not available. Every driver will have a different experience with the best carrier. Some insurance companies are more affordable than others, while others offer better coverage options and greater flexibility. Car insurance is something drivers should look into.
What is the average cost for car insurance in the United States?
The average cost for car insurance in the U.S. for minimum coverage is $565 and full coverage is $1,674, which is lower than the national average. Massachusetts drivers currently pay $510 per year for minimum coverage and $1,223 per year for full coverage.
Is Massachusetts a state of no-fault?
Yes, Massachusetts is considered a state of no-fault. This means that drivers must have PIP insurance, which covers injuries after a collision, regardless of the cause.
What is the cost of Massachusetts car insurance?
Massachusetts’ average car insurance premium is $1,136.60 annually. Every driver is charged a different rate. Your premium will be affected by factors such as your zip code, age, driving record, and the provider that you have. Massachusetts car insurance companies can’t use your credit score to calculate your premium.
Is Massachusetts home to a large number of uninsured drivers
It doesn’t. Massachusetts actually has the third-lowest uninsured rate. Only 6.2% of the country’s population is currently uninsured.