Cheapest Car Insurance Rates in 2023
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Cheap SR 22 Auto Insurance in Massachusetts: Best Companies & Quotes
Personal Finance Expert
Tyron Jones is a finance expert who has operated within the auto insurance business for more than 10 years. He has written many other finance related articles for a number of prominent publications.
Best Car Insurance Companies in Massachusetts
|AM Best Financial Strength Rating||A||A+||A||A++||A+||A+|
|JD Power 2019 Overall Customer Satisfaction score||Not Rated||3/5||3/5||4/5||4.5/5||3/5|
|Avg Annual Premium||$389||$411||$421||$535||$970||$762|
|Consumer Reports Reader Score||N/A||N/A||N/A||78||N/A||75|
|BBB Rating||A+||A+||Not Rated||A+||A+||A+|
Auto Insurance Statistics in Massachusetts
Auto insurance rates in Massachusetts especially Boston, MA have been significantly higher than the national averages. After a downward trend started in 2007, the numbers are back up once again with no sign of decreasing.
Top 10 Cheapest Car Insurance Companies in Massachusetts
|Rank||Company Name||Avg. Annual Premium|
|3||Norfolk and Dedham||$1,195|
Drunk Driving Fatalities
Drinking and driving is against the law but it still occurs in many states all across the country. With the high potential for injury and even death, it is essential to abstain from driving while under the influence of alcohol. Finding out the rate of drunk driving fatalities in Massachusetts can provide insight into the level of risk drivers face. The National Highway Traffic Safety Administration has done a tally of the number of drunk driving fatalities in Massachusetts vs. nationwide.
Drunk driving fatalities in Massachusetts from 2013 to 2017
Teen Drinking and Driving
Teen drinking and driving in Massachusetts has become a serious epidemic with a percentage rate that is above the national average. The below statistics represent the percentage of Massachusetts drivers that are teenagers who are drinking and driving when compared with national averages.
Teen Drinking & Driving in Massachusetts vs. Nationwide (2017)
SR-22 Insurance in Massachusetts
Most states in the US require their drivers to have SR-22 certificates to reinstate their driver's licenses after a ban, DUI, or other infraction. Massachusetts is one of the few states that does not require its residents to purchase this type of insurance to regain their license.
This being said, this does not mean that you will be able to reinstate your license straight away. You will still need to undergo whatever punishment is issued by the court. In the case of a DUI, you may also need an ignition interlock device that can only be activated via a breathalyzer that can detect alcohol on your breath. You might still be required to purchase an SR-22 if you want to travel to other states via a vehicle — make sure to ask your insurance provider.
Car Theft in Massachusetts
Learning about the levels of car theft in high populated areas such as Boston, Massachusetts, can provide insight into how often vehicular theft takes place here. The rate of car theft in the state of Massachusetts appears to be significantly lower than the national average.
Vehicle thefts by rank Nationwide vs. Massachusetts
Uninsured Motorists in Massachusetts
There are drivers that operate motor vehicles in Massachusetts without any insurance coverage and when an accident occurs with one of these drivers, you may be left paying the bill. This is why it is recommended to have the right car insurance in the form of uninsured and underinsured motorist coverage. The below data shows how well Massachusetts ranks in the total number of reported uninsured motorists in the state in the year 2015.
Percentage of uninsured drivers (Top States in 2015)
Minimum Requirements For Car Insurance in Massachusetts
Bodily Injury to Others:Personal Injury Protection:Bodily Injury Caused by an Uninsured Auto:Damage to Someone Else's Property:
- Bodily Injury to Others: $20,000 per person; $40,000 per accident
- Personal Injury Protection: $8,000 per person, per accident
- Bodily Injury Caused by an Uninsured Auto: $20,000 per person; $40,000 per accident
- Damage to Someone Else's Property: $5,000 per accident
With significant penalties for driving without insurance, it's not worth the risk. Unfortunately, auto insurance can be expensive. Most of us don't want to pay more than we have to, which is why we've made a list of the cheapest auto insurance companies for the five biggest cities in Massachusetts.
By far the largest city in Massachusetts, as well as the biggest in the New England region, Boston is a city whose historical significance is second to none in the US. One of the nation's oldest cities, it was originally founded by Puritan settlers who came from England. The influence of religion, history, and politics can still be felt in this unique, vibrant city.
As you might expect, auto insurance rates in Boston are on the high side for the state, ranking 8th overall among Massachusetts cities. The average resident here spends well over $1,900 per year getting their vehicle insured. The good news is that rates can vary a lot, allowing selective shoppers to save money. Concord offers average rates lower than $1,000 annually – about half the city's overall average:
- State Farm
Worcester, the state's second largest city, has much of the same charm as Boston. Beautiful historic buildings can be found throughout the city, as well as a wide variety of museums and recreational parks.
Auto insurance in Worcester isn't quite as expensive as in Boston, but it's still significantly above the state average, with people paying about $1,760 annually. However, much like Boston, these rates come with a lot of variability. The cheapest provider here, Liberty Mutual, offers plans at under $900 per year:
- Liberty Mutual
- Plymouth Rock
While there are several important cities in the US named Springfield, the one in Massachusetts is the oldest of them all. The state's third largest city, it's the urban and economic center of the state's Connecticut River Valley – also known as the Pioneer Valley.
Auto insurance can be pricey here. With residents paying an average of over $1,930 per year, it ranks as the 7th most expensive place in the state to get insured, one spot ahead of Boston. Rates for almost half that can be had, however, with companies like Concord offering plans under $900:
- Liberty Mutual
Lowell is the fourth largest city in Massachusetts, and often considered one of the rougher areas of the state. In spite of this, the city has a lot to offer in the form of its historical parks and frequent live performances. Like all the cities on this list, its average auto insurance rates are higher than the state average at just under $1,700 annually. To maximize savings here, look into the following companies:
- Liberty Mutual
Probably best known as the home of some of universities like Harvard and MIT, Cambridge is a beautiful city. It also features the cheapest insurance rates of all the cities on this list, averaging only $1,523 per year, only slightly above the state average. These companies offer the best deals in Cambridge, led by GEICO:
- Liberty Mutual
- State Farm
Types of Auto Insurance Coverage in Massachusetts:
- Comprehensive Insurance Coverage
- Bodily Injury Liability Insurance
- Uninsured/Underinsured Motorist Bodily Injury Insurance
- Uninsured Motorist Property Damage Insurance
- Property Damage Liability Insurance
New Driver License Requirements
In the state of Massachusetts, the Registry of Motor Vehicles offers information for new drivers who are applying for a state driver license. The state uses a Junior Operator’s License (JOL) program which lets new drivers practice their driving before they apply for a brand new license. In order to get a learner’s permit, drivers will need to be 16 years of age or older and have their legal guardian’s consent. An applicant for a driver’s license in Massachusetts must pass a vision test and a written test.
Source: Massachusetts Registry of Motor Vehicles
Cheap Auto Insurance Discounts
Car insurance discounts help you save money on the amount you pay on car insurance each year or each month. These discounts are provided by many different car insurance companies in Massachusetts and nationwide. Since many of the discounts aren’t made public to consumers, people often don’t know about them. At CheapAutoInsurance.co, we want to help you save as much as you can on your auto insurance rates. Browse the list below to see if you can use some of the discounts to help you save.
- Anti-theft discount
- Mature driver discount
- Military or Veteran discount
- Bundling insurance policies discount
- Senior citizen discount
- Car safety features discount
- Good student discount
- Defensive driving discount
- Low-mileage discount
- Multi-car auto insurance discount
- Infrequent usage discount
General Massachusetts Car Insurance
You’ve got to know the basics first. This section answers your general questions about Massachusetts car insurance works.
How to get car insurance in Massachusetts?
How are auto insurance premiums calculated in MA?
How do points affect Massachusetts car insurance?
How to decide on auto insurance coverage in Massachusetts?
How to change auto insurance in MA?
What information do I need to buy auto insurance in MA?
What is option 2 in Massachusetts auto insurance?
Auto insurance in Massachusetts, what is risk type 1?
What tickets go to your car insurance in MA?
What happens when I change auto insurance companies in Massachusetts?
What is considered full coverage auto insurance Massachusetts?
Massachusetts Car Insurance Laws
Every state gets to make its own laws about car insurance. We’ll help you understand Massachusetts car insurance laws in this section.
What is the minimum car insurance coverage in Massachusetts?
How old do you have to be to get insurance on a car in Massachusetts?
How do I cancel my Massachusetts auto insurance I moved?
When you lease a car in Massachusetts do you need insurance?
What is the minimum car insurance coverage in Massachusetts with a financed vehicle?
What are Massachusetts car insurance requirements?
What are car insurance requirements to drive for Uber in Massachusetts?
What happens if your car insurance is cancelled MA?
What happens if I get caught without car insurance in MA?
In Massachusetts, who must obtain auto insurance for a vehicle?
When to add your new driver to car insurance in Massachusetts?
Massachusetts Car Insurance Prices
This section answers your questions about the prices for car insurance in different situations for Massachusetts residents.
Why is Massachusetts car insurance so expensive?
How much is car insurance in MA?
How much is car insurance in MA for new drivers?
What is the cheapest car insurance in Massachusetts?
How much does car insurance cost in Massachusetts?
What is the best auto insurance company in Massachusetts?
How long do surcharges last on my car insurance in MA?
In Massachusetts, how long for insurance rates to decrease after car accident?
How much is car insurance per month in MA?
Who has the least expensive auto insurance in Massachusetts?
How much of saving on auto insurance do you get for drivers education class in Massachusetts?
What is mileage discount on Massachusetts auto insurance?
How much will one at fault accident with damage only to my car increase my insurance in MA?
How much is car insurance in MA for teens?
How much is the car insurance surcharge in Massachusetts for a traffic ticket?
At what age in Massachusetts does car insurance drop?
How to calculate insurance on new motorcycle in Massachusetts?
Massachusetts Car Insurance Claims and Coverage
It’s vital to understand how your insurance works when you need it. This section will answer questions about Massachusetts car insurance claims and coverage.
What does high risk auto insurance cover in MA?
What counts as an occasional driver for auto insurance in MA?
How long do you have to report a car accident to your insurance company in MA?
In Massachusetts what does at 50 percent fault mean in auto insurance?
What happens if you get in a car accident with no insurance in Massachusetts?
In MA, what is property damage on car insurance?
How long does it take for insurance to pay out for car accident in Massachusetts?
Does Massachusetts auto insurance cover people not named on policy who drive the vehicle?
Other Massachusetts Car Insurance Questions
Our final section covers questions that don’t fit into our other categories.