Progressive Auto Insurance in Massachusetts
Progressive is the largest U.S. auto insurer (~14% market share, edging GEICO since 2023). Its Snapshot telematics program is the longest-running usage-based pricing tool in the country. Here's what Progressive typically costs in Massachusetts for 2026 — plus the 3 cheaper alternatives most Massachusetts drivers overlook.
Estimated annual premium
$1,425
Estimated monthly
$119
Massachusetts state avg
$1,550
vs Massachusetts avg
-8%
Why drivers pick Progressive
Snapshot telematics commonly delivers 10-30% discounts for low-mileage and conservative drivers — the deepest savings in the market for usage-based pricing.
Where Progressive falls short
Initial quotes for high-risk drivers (poor credit, recent claims) often run above peer carriers; competitive renewal pricing is more important than initial savings here.
Massachusetts minimum coverage requirements
- Bodily Injury Liability: 20/40 thousand per person / per accident
- Property Damage Liability: $5K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state. Cannot use credit, gender, education, or occupation in pricing — driving record dominates.
Cheaper alternatives to Progressive in Massachusetts
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Progressive for a comparable driver profile in Massachusetts. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Progressive discounts available to Massachusetts drivers
Progressive Massachusetts rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Progressive Massachusetts estimate for each class:
+10% vs sedan
Progressive SUV insurance
Massachusetts estimate · Toyota Highlander, Honda Pilot
+15% vs sedan
Progressive Pickup truck insurance
Massachusetts estimate · Ford F-150, Chevy Silverado
+25% vs sedan
Progressive Electric Vehicle (EV) insurance
Massachusetts estimate · Tesla Model 3, Tesla Model Y
Progressive Massachusetts rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Progressive Massachusetts estimate for each profile:
+100% vs standard
Progressive New Driver insurance
Massachusetts · 16-24
-8% vs standard
Progressive Senior Driver insurance
Massachusetts · 65+
+55% vs standard
Progressive SR-22 High-Risk insurance
Massachusetts · any (SR-22 required)
-18% vs standard
Progressive Low-Mileage Driver insurance
Massachusetts · any (<7,500 mi/yr)
Frequently asked questions
How much does Progressive auto insurance cost in Massachusetts?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Progressive in Massachusetts runs about $1,425/year (~$119/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Progressive cheaper than other carriers in Massachusetts?
Yes — Progressive typically runs about 8% below the Massachusetts state average ($1,550/year for all carriers combined). The cheaper alternatives in Massachusetts are typically USAA, Erie, GEICO. Whether Progressive is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Massachusetts minimum coverage requirements?
Massachusetts requires at least 20/40 thousand in bodily-injury liability per person/per accident and $5K in property-damage liability. Massachusetts is a no-fault state, so personal injury protection (PIP) is also required. No-fault state. Cannot use credit, gender, education, or occupation in pricing — driving record dominates.
Does Progressive offer discounts to Massachusetts drivers?
Progressive offers 6+ discounts that Massachusetts drivers can stack: Snapshot (telematics), Multi-policy, Continuous insurance, Sign online, Pay in full, Homeowner. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Progressive's national average ($1,633) multiplied by Massachusetts's state-vs-national premium index ($1,550 ÷ national average $1,789 ≈ 0.87x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Progressive J.D. Power score: 829/1000. A.M. Best rating: A+ (2024).