If you’re looking for cheap car insurance in Massachusetts, comparison shopping is key. The insurance company with the best price will vary depending on your situation.
Massachusetts law prevents auto insurers from basing rates on factors including sex, marital status, age (except a discount for safe drivers 65 and older), occupation, income, education, homeownership status or credit information. But companies can consider your driving record, past car insurance claims, where you live and what kind of car you drive.
Im analyzed rates for 10 large auto insurance companies in 10 Bay State ZIP codes to help you find the best deal.
Good drivers in Massachusetts pay an average of $1,500 per year for car insurance from the 10 insurers we surveyed. These rates are based on high liability limits and full coverage for drivers with no tickets or accidents.
Having the most expensive insurance company can cost you hundreds each year: We found a $746 gap between the lowest quote, from Hanover, and the highest quote, from Arbella Insurance.
Massachusetts requires insurance companies to set driving record-based discounts and surcharges using its Safe Driver Insurance Plan, or come up with their own version. The Safe Driver Insurance Plan provides the following discounts on liability, personal injury protection and collision coverage:
- Excellent Driver Discount Plus: 17% off for drivers who have at least six years of experience and no moving violations or at-fault accidents in the previous six years
- Excellent Driver Discount: 7% off for drivers with at least five years of experience and no incidents in the previous five years, or one minor moving violation in the previous six years that occurred at least three years before the policy took effect
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