Car insurance is a necessary expense for drivers in Massachusetts, with the average cost of a full-coverage policy coming in at $2,430 per year, or $202 per month. This is about 21% higher than the national average, making Massachusetts one of the more expensive states for auto insurance. However, there are ways to find affordable coverage in the state, with companies like Geico, Farmers, The Hanover, Progressive, and Allstate offering some of the cheapest rates.
Geico stands out as the top choice for cheap car insurance in Massachusetts, with rates averaging $725 for minimum liability and $1,815 for full coverage. Farmers follows closely behind, offering rates of $495 for minimum liability and $2,006 for full coverage. These rates are based on a 35-year-old unmarried driver with no accident history.
When it comes to coverage options, Geico, Farmers, Progressive, Allstate, and Travelers are the cheapest among the large insurance companies in Massachusetts. For mid-size insurers, The Hanover, Amica, and Plymouth Rock offer the most affordable rates. The coverage level you choose can also impact your rates, with minimum liability insurance costing around $35 per month from The Hanover, and full coverage costing $148 per month from Progressive.
For young drivers in Massachusetts, rates can vary significantly based on driving experience. Geico tends to offer the cheapest rates for inexperienced 16-year-old drivers at $485 per month, while rates for 25-year-old drivers average $227 per month. Seniors, on the other hand, may find the best rates with Geico, with full-coverage policies costing around $1,556 per year for senior drivers.
Drivers with a history of speeding tickets, accidents, or DUIs may face higher insurance rates. Progressive offers the cheapest rates for drivers with speeding tickets, while drivers with accidents may find better rates with Progressive as well. For those with a DUI, Progressive also offers some of the most affordable coverage options.
To get cheap car insurance in Massachusetts, it’s important to compare rates from multiple providers, look for discounts, and consider factors like location, driving history, and the make and model of your vehicle. By shopping around and exploring different options, drivers can find the best coverage at the most affordable rates.
Overall, Geico tends to offer the cheapest car insurance in Massachusetts for most drivers, but it’s essential to consider your individual circumstances and needs when choosing a provider. With the right research and comparison, drivers in Massachusetts can find affordable and reliable car insurance coverage.