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With all the complicated rules and regulations governing insurance in Massachusetts, finding the right provider can sometimes seem like a hassle. The insurance laws in this state are fairly extensive, requiring all drivers to have the following minimum coverage:

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.

Boston, MA

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:

Worcester, MA

  • Concord
  • GEICO
  • USAA
  • Hanover
  • 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:

Springfield, MA

  • Liberty Mutual
  • GEICO
  • USAA
  • Hanover
  • 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:

Lowell, MA

  • Concord
  • Liberty Mutual
  • GEICO
  • USAA
  • Hanover

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:

Cambridge, MA

  • Concord
  • GEICO
  • Liberty Mutual
  • USAA
  • Hanover

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:

  • GEICO
  • USAA
  • Liberty Mutual
  • Hanover
  • State Farm