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Lowest Rates for Car Insurance in Massachusetts for 2022

Author Brandon BentonPosted on Categories Insurance, Car InsuranceTags , ,
Rates for Car Insurance in Massachusetts for 2022
Table of contents

Buying car insurance can be a headache. It’s a legal necessity, but not all auto insurance providers have the same rates and benefits. Finding and comparing the best rates every year can be tedious and time-consuming, so we did the heavy lifting for you.

Average Auto Insurance Rates in Massachusetts

For minimum coverage, the average annual cost of car insurance in Massachusetts is $510. For full coverage, you will find an average annual car insurance rate of $1,223.

Minimum Liability Limits for Auto Insurance

Minimum limits for liability are $50,000 for bodily injury per person, a $100,000 upper limit for all bodily injuries per accident, and $25,000 maximum for property damage.

Special Rates for Military Families

If you or an immediate family member is an active or former member of the United States military, you can access exclusive insurance coverage through the United Services Automobile Association, or USAA.

If this applies to you, you may not need to review the insurance rates covered below. However, if you are still looking for low rates, continue below for more information.

Minimum Coverage

If you are just looking to pay the legally required minimum for car insurance, you will pay a different rate that depends on your age and driving history. Relative to other age groups, drivers in their 20s are less experienced and therefore a higher risk for insurance. This makes it difficult to find inexpensive minimum coverage insurance, but it’s not impossible.

Massachusetts auto insurance laws require you to list every household member with a driver’s license when applying for auto insurance.

Car owners in their 20s

      • The Hanover:

At an annual rate, you can expect to pay $531 per year.

At a monthly rate, this comes out to $44 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $609 per year.

At a monthly rate, this comes out to $51 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $680 per year.

At a monthly rate, this comes out to $57 per month.

      • Geico:

At an annual rate, you can expect to pay $884 per year.

At a monthly rate, this comes out to $74 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $893 per year.

At a monthly rate, this comes out to $74 per month.

Car owners in their 30s

      • The Hanover:

At an annual rate, you can expect to pay $310 per year.

At a monthly rate, this comes out to $26 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $359 per year.

At a monthly rate, this comes out to $30 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $385 per year.

At a monthly rate, this comes out to $32 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $412 per year.

At a monthly rate, this comes out to $34 per month.

      • N&D Group:

At an annual rate, you can expect to pay $425 per year.

At a monthly rate, this comes out to $35 per month.

Car owners in their 40s

      • The Hanover:

At an annual rate, you can expect to pay $280 per year.

At a monthly rate, this comes out to $23 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $326 per year.

At a monthly rate, this comes out to $27 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $359 per year.

At a monthly rate, this comes out to $30 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $382 per year.

At a monthly rate, this comes out to $32 per month.

      • N&D Group:

At an annual rate, you can expect to pay $388 per year.

At a monthly rate, this comes out to $32 per month.

Car owners in their 50s

      • The Hanover: 

At an annual rate, you can expect to pay $256 per year.

At a monthly rate, this comes out to $21 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $295 per year.

At a monthly rate, this comes out to $25 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $335 per year.

At a monthly rate, this comes out to $28 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $360 per year.

At a monthly rate, this comes out to $30 per month.

      • N&D Group:

At an annual rate, you can expect to pay $362 per year.

At a monthly rate, this comes out to $30 per month.

Car owners in their 60s

      • The Hanover: 

At an annual rate, you can expect to pay $261 per year.

At a monthly rate, this comes out to $22 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $296 per year.

At a monthly rate, this comes out to $25 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $335 per year.

At a monthly rate, this comes out to $28 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $353 per year.

At a monthly rate, this comes out to $29 per month.

      • N&D Group:

At an annual rate, you can expect to pay $382 per year.

At a monthly rate, this comes out to $32 per month.

Full Coverage

If you are looking to insure your car completely, receiving complete coverage for any sort of mechanical or health liabilities, then a full coverage plan is for you. These plans are substantially more expensive than minimum coverage, but they won’t come up short when you need emergency funds for an accident.

Car owners in their 20s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,665 per year.

At a monthly rate, this comes out to $139 per month.

      • Geico:

At an annual rate, you can expect to pay $1,695 per year.

At a monthly rate, this comes out to $141 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $2,176 per year.

At a monthly rate, this comes out to $181 per month.

      • MetLife:

At an annual rate, you can expect to pay $2,517 per year.

At a monthly rate, this comes out to $210 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $2,625 per year.

At a monthly rate, this comes out to $219 per month.

Car owners in their 30s

      • Safety Insurance:

At an annual rate, you can expect to pay $871 per year.

At a monthly rate, this comes out to $73 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $898 per year.

At a monthly rate, this comes out to $75 per month.

      • Geico:

At an annual rate, you can expect to pay $993 per year.

At a monthly rate, this comes out to $83 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,009 per year.

At a monthly rate, this comes out to $84 per month.

      • N&D Group:

At an annual rate, you can expect to pay $1,015 per year.

At a monthly rate, this comes out to $85 per month.

Car owners in their 40s

      • Safety Insurance:

At an annual rate, you can expect to pay $809 per year.

At a monthly rate, this comes out to $67 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $891 per year.

At a monthly rate, this comes out to $74 per month.

      • Vermont Mutual: 

At an annual rate, you can expect to pay $898 per year.

At a monthly rate, this comes out to $75 per month.

      • N&D Group:

At an annual rate, you can expect to pay $939 per year.

At a monthly rate, this comes out to $78 per month.

      • Geico:

At an annual rate, you can expect to pay $942 per year.

At a monthly rate, this comes out to $78 per month.

Car owners in their 50s

      • Safety Insurance:

At an annual rate, you can expect to pay $766 per year.

At a monthly rate, this comes out to $64 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $814 per year.

At a monthly rate, this comes out to $68 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $840 per year.

At a monthly rate, this comes out to $70 per month.

      • N&D Group:

At an annual rate, you can expect to pay $866 per year.

At a monthly rate, this comes out to $72 per month.

      • Geico:

At an annual rate, you can expect to pay $874 per year.

At a monthly rate, this comes out to $73 per month.

Car owners in their 60s

      • Safety Insurance:

At an annual rate, you can expect to pay $756 per year.

At a monthly rate, this comes out to $63 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $796 per year.

At a monthly rate, this comes out to $66 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $840 per year.

At a monthly rate, this comes out to $70 per month.

      • Geico:

At an annual rate, you can expect to pay $847 per year.

At a monthly rate, this comes out to $71 per month.

      • N&D Group:

At an annual rate, you can expect to pay $898 per year.

At a monthly rate, this comes out to $75 per month.

Recent Accident

If you have been in an accident recently, where you are considered at-fault for damages and liability, then your auto insurance rate will go up. Having at least one at-fault accident will raise your rates, but it may lower over time. If this applies to you, here are the best rates you’ll find in Massachusetts.

Car owners in their 20s

      • Plymouth Rock:

At an annual rate, you can expect to pay $773 per year.

At a monthly rate, this comes out to $64 per month.

      • The Hanover:

At an annual rate, you can expect to pay $809 per year.

At a monthly rate, this comes out to $67 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $854 per year.

At a monthly rate, this comes out to $71 per month.

      • N&D Group:

At an annual rate, you can expect to pay $1,121 per year.

At a monthly rate, this comes out to $93 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $1,159 per year.

At a monthly rate, this comes out to $97 per month.

Car owners in their 30s

      • N&D Group:

At an annual rate, you can expect to pay $1,283 per year.

At a monthly rate, this comes out to $107 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,416 per year.

At a monthly rate, this comes out to $118 per month.

      • Geico:

At an annual rate, you can expect to pay $1,518 per year.

At a monthly rate, this comes out to $126 per month.

      • Arbella:

At an annual rate, you can expect to pay $1,860 per year.

At a monthly rate, this comes out to $155 per month.

      • Main Street America:

At an annual rate, you can expect to pay $1,913 per year.

At a monthly rate, this comes out to $159 per month.

Car owners in their 40s

      • N&D Group:

At an annual rate, you can expect to pay $1,186 per year.

At a monthly rate, this comes out to $99 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,338 per year.

At a monthly rate, this comes out to $112 per month.

      • Geico: 

At an annual rate, you can expect to pay $1,507 per year.

At a monthly rate, this comes out to $126 per month.

      • Main Street America:

At an annual rate, you can expect to pay $1,704 per year.

At a monthly rate, this comes out to $142 per month.

      • Arbella:

At an annual rate, you can expect to pay $1,820 per year.

At a monthly rate, this comes out to $152 per month.

Car owners in their 50s

      • N&D Group:

At an annual rate, you can expect to pay $1,094 per year.

At a monthly rate, this comes out to $91 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,318 per year.

At a monthly rate, this comes out to $110 per month.

      • Geico:

At an annual rate, you can expect to pay $1,466 per year.

At a monthly rate, this comes out to $122 per month.

      • Main Street America:

At an annual rate, you can expect to pay $1,524 per year.

At a monthly rate, this comes out to $127 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $1,776 per year.

At a monthly rate, this comes out to $148 per month.

Car owners in their 60s

      • N&D Group:

At an annual rate, you can expect to pay $1,135 per year.

At a monthly rate, this comes out to $95 per month.

      • Main Street America:

At an annual rate, you can expect to pay $1,333 per year.

At a monthly rate, this comes out to $111 per month.

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,336 per year.

At a monthly rate, this comes out to $111 per month.

      • Geico:

At an annual rate, you can expect to pay $1,446 per year.

At a monthly rate, this comes out to $120 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $1,751 per year.

At a monthly rate, this comes out to $146 per month.

After DUI

Receiving a DUI charge can severely impact the rate of your auto insurance, as it becomes a liability to insure drivers with a record of dangerous driving and/or breaking motor laws. If you have a DUI on your record, these insurance companies will provide the lowest rates for drivers in Massachusetts.

Is DUI a criminal offense in Massachusetts? Yes, first offense DUI in Massachusetts and second offense DUI are misdemeanors, while a third offense DUI is a felony. US drivers with no DUI are rewarded with lower rates by the Safe Driver Insurance Plan or SDIP. A DUI for CDL drivers will disqualify your license completely.

Car owners in their 20s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,665 per year.

At a monthly rate, this comes out to $139 per month.

      • Geico:

At an annual rate, you can expect to pay $1,695 per year.

At a monthly rate, this comes out to $141 per month.

      • Safety Insurance:

At an annual rate, you can expect to pay $2,176 per year.

At a monthly rate, this comes out to $181 per month.

      • MetLife:

At an annual rate, you can expect to pay $2,517 per year.

At a monthly rate, this comes out to $210 per month.

      • Vermont Mutual:

At an annual rate, you can expect to pay $2,625 per year.

At a monthly rate, this comes out to $219 per month.

Car owners in their 30s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,440 per year.

At a monthly rate, this comes out to $120 per month.

      • Progressive:

At an annual rate, you can expect to pay $1,580 per year.

At a monthly rate, this comes out to $132 per month.

      • Geico: 

At an annual rate, you can expect to pay $1,615 per year.

At a monthly rate, this comes out to $135 per month.

      • Allstate: 

At an annual rate, you can expect to pay $1,729 per year.

At a monthly rate, this comes out to $144 per month.

      • The Hanover:

At an annual rate, you can expect to pay $2,109 per year.

At a monthly rate, this comes out to $176 per month.

Car owners in their 40s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,396 per year.

At a monthly rate, this comes out to $99 per month.

      • Progressive:

At an annual rate, you can expect to pay $1,574 per year.

At a monthly rate, this comes out to $131 per month.

      • Allstate:

At an annual rate, you can expect to pay $1,615 per year.

At a monthly rate, this comes out to $135 per month.

      • Geico:

At an annual rate, you can expect to pay $1,615 per year.

At a monthly rate, this comes out to $135 per month.

      • The Hanover:

At an annual rate, you can expect to pay $1,959 per year.

At a monthly rate, this comes out to $163 per month.

Car owners in their 50s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,369 per year.

At a monthly rate, this comes out to $114 per month.

      • Progressive:

At an annual rate, you can expect to pay $1,489 per year.

At a monthly rate, this comes out to $124 per month.

      • Geico:

At an annual rate, you can expect to pay $1,584 per year.

At a monthly rate, this comes out to $132 per month.

      • Allstate:

At an annual rate, you can expect to pay $1,615 per year.

At a monthly rate, this comes out to $135 per month.

      • The Hanover:

At an annual rate, you can expect to pay $1,842 per year.

At a monthly rate, this comes out to $154 per month.

Car owners in their 60s

      • Plymouth Rock:

At an annual rate, you can expect to pay $1,398 per year.

At a monthly rate, this comes out to $116 per month.

      • Progressive:

At an annual rate, you can expect to pay $1,436 per year. 

At a monthly rate, this comes out to $120 per month.

      • Geico:

At an annual rate, you can expect to pay $1,575 per year.

At a monthly rate, this comes out to $131 per month.

      • Allstate:

At an annual rate, you can expect to pay $1,651 per year.

At a monthly rate, this comes out to $138 per month.

      • Main Street America:

At an annual rate, you can expect to pay $1,651 per year.

At a monthly rate, this comes out to $138 per month.

More Options if You Are Denied Coverage

Not all insurance companies will voluntarily provide coverage to all drivers. If you have a long record of accidents or driving tickets, a low credit score, a long gap of no insurance coverage, and other risky factors, you may find the auto insurance market closed to you.

It is risky to provide insurance to these drivers, so many companies will flat-out refuse to provide insurance. If this is the case, you can receive public coverage through your local state insurance program. In Massachusetts, this would be the Massachusetts Automobile Insurance Plan, or MAIP.

This service is especially useful for truckers, taxis, and other commercial vehicle insurance plans. It also applies to everyday commuters looking for auto insurance, as federal law requires all US citizens to acquire auto insurance.

Featured Image: Twenty20

Author Brandon Benton
About the author: A writer specialized in finance, technology, and cybersecurity. Writing books, news, marketing, and educational material. Professional background in ghostwriting and journalism. Passion for music, financial markets, and chicken fried steak.

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