Best Auto Insurances In Massachusetts

The average annual cost of auto insurances in Massachusetts is $1,294 – somewhat less than the national average of $1,321. 

Company	Average Annual Rate
State Farm	$622
USAA	$980
Geico	$988
Safety Insurance	$1,038
Statewide Average	$1,294
Plymouth Rock Assurance	$1,323
Arbella Mutual Insurance	$1,352
Metropolitan P&C	$1,378
Allstate	$1,583
Progressive	$1,698
Travelers	$1,979

The Most Low-priced Auto Insurance In Massachusetts

State Farm offers the lowest average rates in the state, about 52 percent lower than the state average. Besides, they also had the lowest prices in every subcategory we looked at, including teen and elderly drivers, drivers looking for the bare minimum of coverage, and drivers with a speeding ticket, accident, or DUI on their record. Travelers Insurance, on the other hand, is the polar opposite. Travelers has the highest average rate across the state, as well as in several of our subcategories. The only exceptions are teen drivers and those who have had a DUI. Progressive and Allstate were the companies with the highest rates in these two areas, respectively.

Massachusetts Rates for Teenager Drivers

Company	17-Year-Old Females	17-Year-Old Males
Allstate	$6,284	$6,284
Arbella Mutual Insurance	$5,409	$5,409
Geico	$3,210	$3,210
Metropolitan P&C	$4,949	$4,949
Plymouth Rock Assurance	$3,727	$3,727
Progressive	$7,175	$7,175
Safety Insurance	$5,654	$5,654
State Farm	$2,033	$2,033
Travelers	$4,224	$4,224
USAA	$2,488	$2,488
Statewide Average	$4,515	$4,515

In Massachusetts, parents of adolescent drivers are likely to get the best prices with State Farm, which has rates that are 55% cheaper than the state average for this population. Progressive has the highest rates, with average yearly rates that are 59 percent more than the state average.

Rates for Young Adults in Massachusetts

Company	25-Year-Old Females	25-Year-Old Males
Allstate	$1,695	$1,695
Arbella Mutual Insurance	$1,371	$1,371
Geico	$1,089	$1,089
Metropolitan P&C	$1,524	$1,524
Plymouth Rock Assurance	$1,578	$1,578
Progressive	$1,848	$1,848
Safety Insurance	$1,150	$1,150
State Farm	$622	$622
Travelers	$2,172	$2,172
USAA	$1,042	$1,042
Statewide Average	$1,409	$1,409

State Farm’s average rates for young adults are the lowest in our survey, coming in at 56% less than the state average. Besides, the average rate for this category of travelers is the highest, outpacing the state average by 54%.

Seniors’ Rates in Massachusetts

Company	60-Year-Old Females	60-Year-Old Males
Allstate	$1,526	$1,526
Arbella Mutual Insurance	$1,343	$1,343
Geico	$873	$873
Metropolitan P&C	$1,275	$1,275
Plymouth Rock Assurance	$1,083	$1,083
Progressive	$1,559	$1,559
Safety Insurance	$954	$954
State Farm	$622	$622
Travelers	$1,773	$1,773
USAA	$935	$935
Statewide Average	$1,194	$1,194

State Farm’s average rates for senior drivers in Massachusetts are 48% cheaper than the state average, making it the best in our survey. Travelers’ rates are 48 percent more than the state average, and they are the highest in Massachusetts for senior drivers.

Rates for Good Drivers in Massachusetts

Company	Average Annual Rate
State Farm	$622
USAA	$980
Geico	$988
Safety Insurance	$1,038
Statewide Average	$1,294
Plymouth Rock Assurance	$1,323
Arbella Mutual Insurance	$1,352
Metropolitan P&C	$1,378
Allstate	$1,583
Progressive	$1,698
Travelers	$1,979

Good drivers may save money with State Farm because their average rates are 52% lower than the state average and far below $1,000 per year. Travelers’ rates are 53% more than the state average, making them the most expensive for Massachusetts drivers with a clean driving record.

Rates in Massachusetts Following A Speeding Ticket

Company	Average Annual Rate
State Farm	$717
Geico	$1,100
USAA	$1,138
Arbella Mutual Insurance	$1,480
Allstate	$1,583
Statewide Average	$1,616
Safety Insurance	$1,670
Metropolitan P&C	$1,729
Plymouth Rock Assurance	$1,942
Progressive	$2,213
Travelers	$2,593

State Farm’s rates are 56% cheaper than the state average, and they are the lowest in our survey. Travelers insurance continues to offer among of the highest rates in our survey, at 60% higher than the state average for drivers with a driving ticket.

Rates in Massachusetts Following An Accident

Company	Average Annual Rate
State Farm	$968
USAA	$1,377
Geico	$1,470
Arbella Mutual Insurance	$1,785
Plymouth Rock Assurance	$1,986
Statewide Average	$2,062
Safety Insurance	$2,082
Allstate	$2,572
Progressive	$2,647
Metropolitan P&C	$2,682
Travelers	$3,048

Even if they have been in an accident, drivers who pick State Farm may be able to acquire rates that are 53% cheaper than the state average for this group. Travelers’ premiums are 215 percent more than State Farm’s and 48 percent higher than the state average, so drivers won’t get the same discounts.

Massachusetts Rates After a DUI

Company	Average Annual Rate
State Farm	$1,178
Geico	$1,694
Progressive	$2,003
Plymouth Rock Assurance	$2,067
USAA	$2,363
Statewide Average	$2,400
Arbella Mutual Insurance	$2,643
Metropolitan P&C	$2,920
Safety Insurance	$2,929
Travelers	$3,019
Allstate	$3,186

State Farm’s premiums for Massachusetts DUI drivers are 51% lower than the state average and the lowest in our survey for this population. Allstate has the highest rates, which are 33% more than the state average.