[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"/cheap-car-insurance-massachusetts-2026":3},{"id":4,"title":5,"body":6,"breadcrumbs":544,"category":545,"dateModified":546,"datePublished":546,"description":547,"draft":548,"extension":549,"faqs":550,"featured":548,"image":544,"meta":566,"navigation":567,"path":568,"relatedGuides":569,"section":643,"seo":644,"stem":645,"tags":646,"tocEnabled":567,"__hash__":652},"pages/cheap-car-insurance-massachusetts-2026.md","Cheapest Car Insurance in Massachusetts (2026)",{"type":7,"value":8,"toc":534},"minimark",[9,14,87,91,95,217,220,223,227,242,258,261,352,359,363,390,393,422,426,433,459,462,466,526,529],[10,11,13],"h2",{"id":12},"summary","Summary",[15,16,17,37,53,65,79],"ul",{},[18,19,20,24,25,28,29,36],"li",{},[21,22,23],"strong",{},"State Farm is the cheapest car insurance company in Massachusetts",", averaging ",[21,26,27],{},"$50/month for liability-only"," and $71/month for full coverage, per ",[30,31,35],"a",{"href":32,"rel":33},"https://insurify.com/car-insurance/massachusetts/",[34],"nofollow","Insurify rate data"," updated September 3, 2026 — the lowest average in every driver category tracked.",[18,38,39,40,48,49,52],{},"Massachusetts runs backwards from most states: ",[21,41,42,43,47],{},"liability averages $103/month, ",[44,45,46],"em",{},"above"," the national $98"," — because the mandatory minimum policy bundles PIP and uninsured motorist coverage — while ",[21,50,51],{},"full coverage averages just $138, far below the national $187",".",[18,54,55,56,59,60,64],{},"Rates are nearly flat: about ",[21,57,58],{},"0.8% projected growth for 2026"," (roughly $1,716 → $1,730 annually) — next door to ",[30,61,63],{"href":62},"/cheap-car-insurance-connecticut-2026","Connecticut's"," nation-leading increases, Massachusetts is the corridor's island of stability.",[18,66,67,68,71,72,75,76,52],{},"Three rating bans make Massachusetts unusual: insurers ",[21,69,70],{},"can't use your credit",", ",[21,73,74],{},"can't use your age"," as a factor, and the state has ",[21,77,78],{},"no SR-22 requirement of its own",[18,80,81,82,86],{},"The carrier spread is enormous anyway — $50 to $265/month for the same liability profile — so ",[30,83,85],{"href":84},"/","see where yours lands"," before assuming the regulated market shops for you.",[10,88,90],{"id":89},"cheapest-car-insurance-companies-in-massachusetts","Cheapest Car Insurance Companies in Massachusetts",[92,93,94],"p",{},"State Farm posts the lowest average in every category tracked in Massachusetts — overall, minimum and full coverage, clean records, tickets, at-fault accidents, DUIs, SR-22 filings, teens, and seniors. That's the fifth state in our library where one carrier sweeps the board, and Massachusetts adds a wrinkle: with credit and age banned as inputs, the spread below is driven almost purely by driving record, garaging address, and each carrier's appetite — and it's still a 5x spread.",[96,97,98,114],"table",{},[99,100,101],"thead",{},[102,103,104,108,111],"tr",{},[105,106,107],"th",{},"Insurance company",[105,109,110],{},"Liability only (mo.)",[105,112,113],{},"Full coverage (mo.)",[115,116,117,129,140,151,162,173,184,195,206],"tbody",{},[102,118,119,123,126],{},[120,121,122],"td",{},"State Farm",[120,124,125],{},"$50",[120,127,128],{},"$71",[102,130,131,134,137],{},[120,132,133],{},"USAA",[120,135,136],{},"$85",[120,138,139],{},"$121",[102,141,142,145,148],{},[120,143,144],{},"GEICO",[120,146,147],{},"$86",[120,149,150],{},"$122",[102,152,153,156,159],{},[120,154,155],{},"Safeco",[120,157,158],{},"$102",[120,160,161],{},"$161",[102,163,164,167,170],{},[120,165,166],{},"Progressive",[120,168,169],{},"$115",[120,171,172],{},"$193",[102,174,175,178,181],{},[120,176,177],{},"Liberty Mutual",[120,179,180],{},"$124",[120,182,183],{},"$181",[102,185,186,189,192],{},[120,187,188],{},"Travelers",[120,190,191],{},"$195",[120,193,194],{},"$278",[102,196,197,200,203],{},[120,198,199],{},"Embark",[120,201,202],{},"$208",[120,204,205],{},"—",[102,207,208,211,214],{},[120,209,210],{},"Amica",[120,212,213],{},"$265",[120,215,216],{},"$378",[92,218,219],{},"Source: Insurify Massachusetts rate data, current as of August 31, 2026 (page updated September 3). Actual quotes vary by driver profile.",[92,221,222],{},"Notable in that table: hometown-adjacent Amica — beloved in service surveys — prices at the very top of its home region's market, and Safeco earns its keep less on rate than on structure (its Claims Free Cash Back program returns up to 5% of premium per claim-free year, a genuinely unusual perk). The value ladder for most drivers runs State Farm, then USAA for military households, then GEICO — which also gives 12% off to Massachusetts' 25,000+ federal employees.",[10,224,226],{"id":225},"how-much-is-car-insurance-in-massachusetts","How Much Is Car Insurance in Massachusetts?",[92,228,229,230,233,234,237,238,241],{},"Massachusetts inverts the usual pattern. ",[21,231,232],{},"Liability-only averages $103/month — above the national $98"," — because a legal minimum policy here isn't just liability: the state mandates PIP and uninsured motorist coverage in every policy, so the \"cheap\" tier carries more actual protection than most states' minimums. Meanwhile ",[21,235,236],{},"full coverage averages $138/month against the national $187",", among the better full-coverage values in the country. The practical takeaway: the ",[44,239,240],{},"upgrade"," from minimum to full coverage costs less here than almost anywhere — drivers quoted $35/month more for full protection should think hard before declining it, especially given the state's deer problem (one collision every 84 minutes across Oct–Dec 2024, per AAA Northeast figures cited in the analysis — and deer strikes are comprehensive claims).",[92,243,244,245,248,249,252,253,257],{},"The trend is calm: roughly $1,716 annually at the end of 2025, projected around ",[21,246,247],{},"$1,730 by the end of 2026 (+0.8%)",". Neighboring Rhode Island rose 13% in 2025 and ",[30,250,251],{"href":62},"Connecticut"," is running the nation's fastest 2026 increases — Massachusetts is the stable corner of a turbulent corridor. Our ",[30,254,256],{"href":255},"/insights/average-rates-august-2026","August rate report"," has the national picture.",[92,259,260],{},"City spread, per Insurify:",[96,262,263,273],{},[99,264,265],{},[102,266,267,270],{},[105,268,269],{},"City",[105,271,272],{},"Average monthly quote",[115,274,275,282,290,297,304,312,320,328,336,344],{},[102,276,277,280],{},[120,278,279],{},"Cambridge",[120,281,158],{},[102,283,284,287],{},[120,285,286],{},"Boston",[120,288,289],{},"$110",[102,291,292,295],{},[120,293,294],{},"Somerville",[120,296,289],{},[102,298,299,302],{},[120,300,301],{},"Quincy",[120,303,150],{},[102,305,306,309],{},[120,307,308],{},"Lowell",[120,310,311],{},"$127",[102,313,314,317],{},[120,315,316],{},"New Bedford",[120,318,319],{},"$142",[102,321,322,325],{},[120,323,324],{},"Fall River",[120,326,327],{},"$148",[102,329,330,333],{},[120,331,332],{},"Worcester",[120,334,335],{},"$153",[102,337,338,341],{},[120,339,340],{},"Springfield",[120,342,343],{},"$160",[102,345,346,349],{},[120,347,348],{},"Brockton",[120,350,351],{},"$206",[92,353,354,355,358],{},"The surprise is the ordering: Boston is ",[44,356,357],{},"not"," the expensive market — Brockton is, at nearly double the capital's average, with Worcester and Springfield well above Boston too. Garaging address moves the Massachusetts number more than most drivers expect.",[10,360,362],{"id":361},"massachusetts-car-insurance-requirements","Massachusetts Car Insurance Requirements",[92,364,365,366,71,369,372,373,376,377,380,381,384,385,389],{},"Massachusetts requires one of the most protective minimum policies in the country: ",[21,367,368],{},"bodily injury liability of 25/50",[21,370,371],{},"property damage of $30,000"," (one of the highest PD floors anywhere — most states sit at $10,000–$25,000), ",[21,374,375],{},"uninsured motorist coverage of 25/50",", and ",[21,378,379],{},"$8,000 of PIP",", because Massachusetts is a ",[21,382,383],{},"no-fault state"," — your own policy pays initial medical costs regardless of blame, like ",[30,386,388],{"href":387},"/cheap-car-insurance-new-york-2026","New York's"," system and unlike every other state in our Northeast set.",[92,391,392],{},"Then come the bans that make the market unusual, per the state's Consumer Bill of Rights as cited in the analysis:",[394,395,396,402,412],"ol",{},[18,397,398,401],{},[21,399,400],{},"Credit is off the table."," Massachusetts insurers can't use credit-based insurance scores at all — not at purchase, not at renewal. (Connecticut only restricts renewal use; Massachusetts bans it outright.)",[18,403,404,407,408,411],{},[21,405,406],{},"Age is off the table."," Insurers can't rate on age itself — though driving ",[44,409,410],{},"experience"," still counts, which is why new drivers pay more and the effect fades as licensed years accumulate.",[18,413,414,417,418,421],{},[21,415,416],{},"Fault has a bright line."," You're at fault for surcharge purposes when you're ",[21,419,420],{},"more than 50% responsible"," for a crash, and surchargeable incidents are what drive renewal increases.",[10,423,425],{"id":424},"high-risk-drivers-in-massachusetts","High-Risk Drivers in Massachusetts",[92,427,428,429,432],{},"Massachusetts has one of the lowest DUI rates in the country — about ",[21,430,431],{},"0.53% of drivers"," — but the price of joining that group is steep: DUI drivers average $192/month, with State Farm cheapest at $76. A speeding ticket (fines from $100) pushes the average to $160/month; an at-fault accident to $143.",[92,434,435,436,439,440,443,444,448,449,453,454,458],{},"The SR-22 quirk deserves its own line: ",[21,437,438],{},"Massachusetts has no SR-22 requirement",". The filing only enters the picture when ",[44,441,442],{},"another"," state demands one — after an out-of-state suspension, for example — in which case you need a Massachusetts insurer willing to file it there. Drivers in that position average $126/month for liability, State Farm again cheapest at $61. Our ",[30,445,447],{"href":446},"/blog/what-is-sr-22-insurance","SR-22 explainer"," covers the mechanics, our ",[30,450,452],{"href":451},"/blog/car-insurance-suspended-license","suspended-license guide"," covers reinstatement, and our ",[30,455,457],{"href":456},"/blog/car-insurance-after-coverage-lapse","coverage-lapse guide"," covers keeping the record clean while you rebuild.",[92,460,461],{},"Teens get licensed at 16½ under the Junior Operator law (restrictions run to 18) and average $238/month for full coverage — State Farm ($94), USAA and GEICO ($151) are the value picks. Seniors do well here: drivers in their 60s average $85/month liability, with State Farm at a remarkable $38.",[10,463,465],{"id":464},"how-to-save-on-car-insurance-in-massachusetts","How to Save on Car Insurance in Massachusetts",[394,467,468,474,480,486,497,508],{},[18,469,470,473],{},[21,471,472],{},"Quote State Farm first."," A five-category sweep at $50/$71 makes it the benchmark; with a $215/month spread across the table, the benchmark matters more here than in most states.",[18,475,476,479],{},[21,477,478],{},"Price the full-coverage upgrade."," The gap between minimum and full coverage is unusually small in Massachusetts — and in deer country, comprehensive earns its premium.",[18,481,482,485],{},[21,483,484],{},"Don't assume the bans mean uniform prices."," Credit and age are out, but the same driver still quotes $50 at one carrier and $265 at another. Regulation narrowed the inputs, not the spread.",[18,487,488,491,492,496],{},[21,489,490],{},"Claim the niche discounts."," GEICO's 12% federal-employee discount, USAA's pay-per-mile SafePilot Miles for MBTA commuters who barely drive, Safeco's claims-free cash back — Massachusetts' quirky market rewards matching your situation to the right structural perk. Our ",[30,493,495],{"href":494},"/blog/snapshot-vs-driveeasy-vs-drive-safe-and-save","telematics comparison"," covers the tracking programs.",[18,498,499,502,503,507],{},[21,500,501],{},"Mind the surcharge line."," With fault set at the 51% threshold and surchargeable incidents driving renewals, our ",[30,504,506],{"href":505},"/blog/how-to-lower-rate-after-accident","post-accident rate guide"," is worth a read before any claim decision.",[18,509,510,513,514,517,518,376,522,525],{},[21,511,512],{},"Compare before renewal."," Even in a flat market, the spread is the opportunity — ",[30,515,516],{"href":84},"pull fresh quotes",", check the ",[30,519,521],{"href":520},"/cheapest-car-insurance-companies-2026","national standings",[30,523,524],{"href":84},"price your own profile"," against the tables above.",[527,528],"hr",{},[92,530,531],{},[44,532,533],{},"Rate data from Insurify's Massachusetts car insurance analysis, page updated September 3, 2026, with table rates current as of August 31, 2026, based on real-time quotes from 500+ partner insurers for drivers ages 20–70 with clean records unless noted (credit is not a Massachusetts rating factor by law). State requirements, rating bans, fault threshold, and teen/DUI statistics per Mass.gov sources as cited in the same analysis; deer-collision frequency per AAA Northeast as cited there. Actual quotes vary by driver profile.",{"title":535,"searchDepth":536,"depth":536,"links":537},"",2,[538,539,540,541,542,543],{"id":12,"depth":536,"text":13},{"id":89,"depth":536,"text":90},{"id":225,"depth":536,"text":226},{"id":361,"depth":536,"text":362},{"id":424,"depth":536,"text":425},{"id":464,"depth":536,"text":465},null,"savings","2026-09-07","State Farm leads Massachusetts at $50/mo for liability coverage. Compare the cheapest MA companies, city rates, and the state's three big rating bans.",false,"md",[551,554,557,560,563],{"question":552,"answer":553},"Which company has the cheapest car insurance in Massachusetts?","State Farm has the cheapest car insurance in Massachusetts, averaging $50 per month for liability-only coverage and $71 for full coverage, according to rate data current as of August 2026. State Farm posts the lowest Massachusetts average in every driver category tracked — clean records, tickets, accidents, DUIs, SR-22 filings, teens, and seniors.",{"question":555,"answer":556},"How much is car insurance in Massachusetts in 2026?","Massachusetts drivers pay an average of $103 per month for liability-only coverage — above the national average of $98, because the state's required minimum policy includes PIP and uninsured motorist coverage — but only $138 per month for full coverage, well below the national $187. Rates are nearly flat, with about a 0.8% increase projected for 2026.",{"question":558,"answer":559},"What are Massachusetts' minimum car insurance requirements?","Massachusetts requires bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $30,000 per accident — one of the highest property damage floors in the country — plus uninsured motorist coverage of $25,000/$50,000 and $8,000 in personal injury protection. Massachusetts is a no-fault state, which is why PIP is mandatory.",{"question":561,"answer":562},"Can Massachusetts insurers use your credit score or age?","No on both counts. Massachusetts prohibits insurers from using credit-based insurance scores to set auto rates, and it also bars age itself from being used as a rating factor — protections that make the state unusual nationally. Driving experience and record still move your rate, which is why newer drivers pay more.",{"question":564,"answer":565},"Do you need an SR-22 in Massachusetts?","Massachusetts doesn't have an SR-22 requirement of its own. But if another state requires you to file one — from a suspension or violation that happened there — you'll need a Massachusetts insurer willing to issue the filing for that state. Drivers carrying an SR-22 in Massachusetts pay about $126 per month for liability-only coverage on average, with State Farm cheapest at $61.",{},true,"/cheap-car-insurance-massachusetts-2026",[570,574,578,582,586,590,594,598,602,606,609,613,617,621,625,629,633,636,639],{"path":571,"title":572,"description":573},"/cheap-car-insurance-california-2026","Cheapest Car Insurance in California (2026)","The cheapest California insurers compared by city, driver profile, and coverage level.",{"path":575,"title":576,"description":577},"/cheap-car-insurance-texas-2026","Cheapest Car Insurance in Texas (2026)","The cheapest Texas insurers compared by city, driver profile, and coverage level.",{"path":579,"title":580,"description":581},"/cheap-car-insurance-florida-2026","Cheapest Car Insurance in Florida (2026)","The cheapest Florida insurers compared by city, driver profile, and coverage level.",{"path":583,"title":584,"description":585},"/cheap-car-insurance-georgia-2026","Cheapest Car Insurance in Georgia (2026)","The cheapest Georgia insurers compared by city, driver profile, and coverage level.",{"path":587,"title":588,"description":589},"/cheap-car-insurance-michigan-2026","Cheapest Car Insurance in Michigan (2026)","The cheapest Michigan insurers compared by city, driver profile, and coverage level.",{"path":591,"title":592,"description":593},"/cheap-car-insurance-ohio-2026","Cheapest Car Insurance in Ohio (2026)","The cheapest Ohio insurers compared by city, driver profile, and coverage level.",{"path":595,"title":596,"description":597},"/cheap-car-insurance-virginia-2026","Cheapest Car Insurance in Virginia (2026)","The cheapest Virginia insurers compared by city, driver profile, and coverage level.",{"path":599,"title":600,"description":601},"/cheap-car-insurance-pennsylvania-2026","Cheapest Car Insurance in Pennsylvania (2026)","The cheapest Pennsylvania insurers compared by city, driver profile, and coverage level.",{"path":603,"title":604,"description":605},"/cheap-car-insurance-maryland-2026","Cheapest Car Insurance in Maryland (2026)","The cheapest Maryland insurers compared by city, driver profile, and coverage level.",{"path":387,"title":607,"description":608},"Cheapest Car Insurance in New York (2026)","The cheapest New York insurers compared by city, driver profile, and coverage level.",{"path":610,"title":611,"description":612},"/cheap-car-insurance-illinois-2026","Cheapest Car Insurance in Illinois (2026)","The cheapest Illinois insurers compared by city, driver profile, and coverage level.",{"path":614,"title":615,"description":616},"/cheap-car-insurance-north-carolina-2026","Cheapest Car Insurance in North Carolina (2026)","The cheapest North Carolina insurers compared by city, driver profile, and coverage level.",{"path":618,"title":619,"description":620},"/cheap-car-insurance-new-jersey-2026","Cheapest Car Insurance in New Jersey (2026)","The cheapest New Jersey insurers compared by city, driver profile, and coverage level.",{"path":622,"title":623,"description":624},"/cheap-car-insurance-arizona-2026","Cheapest Car Insurance in Arizona (2026)","The cheapest Arizona insurers compared by city, driver profile, and coverage level.",{"path":626,"title":627,"description":628},"/cheap-car-insurance-washington-2026","Cheapest Car Insurance in Washington (2026)","The cheapest Washington insurers compared by city, driver profile, and coverage level.",{"path":630,"title":631,"description":632},"/cheap-car-insurance-colorado-2026","Cheapest Car Insurance in Colorado (2026)","The cheapest Colorado insurers compared by city, driver profile, and coverage level.",{"path":62,"title":634,"description":635},"Cheapest Car Insurance in Connecticut (2026)","The cheapest Connecticut insurers compared by city, driver profile, and coverage level.",{"path":520,"title":637,"description":638},"Cheapest Car Insurance Companies of 2026","The cheapest car insurance companies ranked nationally.",{"path":640,"title":641,"description":642},"/best-car-insurance-companies-2026","Best Car Insurance Companies of 2026","Top insurers ranked by claims satisfaction, financial strength, and fit.","guide",{"title":5,"description":547},"cheap-car-insurance-massachusetts-2026",[647,648,649,650,651],"massachusetts","cheap car insurance","state guide","state farm","2026 rates","ufuy3PGFodJxuwkHzRD07PUnG8ZRGKAIPfEY2dSe2d0"]