For a 40-year-old driver with a clean record, car insurance in Framingham, MA, averages about $189 a month ($2,272 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 4% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Framingham table, at about $145 a month.
Framingham costs more than each of its neighbors we price for our benchmark driver: full coverage averages about $189 a month, compared with Ashland ($171), Marlborough ($167), Natick ($154) and Sudbury ($138). That’s about $7 a month more than the Massachusetts average.
Both Framingham ZIP codes in our data (01701 and 01702) are priced the same for our benchmark driver, about $189 a month for full coverage, so there’s no ZIP code table on this page. Among insurers open to all drivers, Plymouth Rock has the lowest average in Framingham, about $145 a month, with Progressive close behind at $158.
Cost data comes from the auto rates insurers file with state regulators, priced across both Framingham ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Framingham averages $2,272 a year, or about $189 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $901 a year ($75 a month), and 50/100/50 liability with comprehensive and collision averages $2,224 ($185 a month).
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Framingham table. USAA*, which sells only to military families, is priced from published rate studies at about $131 a month, below Plymouth Rock; we don’t rank it. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $56 a month, with GEICO close behind at $61.
Full-coverage averages by insurer in Framingham
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $667 | $56 | $1,740 | $145 |
| Progressive | $1,118 | $93 | $1,901 | $158 |
| GEICO | $733 | $61 | $2,049 | $171 |
| Safety Insurance | $910 | $76 | $2,659 | $222 |
| Arbella | $1,078 | $90 | $3,013 | $251 |
| USAA (military families)* | $723 | $60 | $1,566 | $131 |
| Norfolk & Dedham* | $1,144 | $95 | $2,561 | $213 |
| Amica* | $1,095 | $91 | $2,676 | $223 |
| Travelers* | $1,493 | $124 | $3,044 | $254 |
| Allstate* | $1,485 | $124 | $3,335 | $278 |
| Framingham average | $901 | $75 | $2,272 | $189 |
This table uses Framingham ZIP codes only. See how we calculated these rates.
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $48 a year on average in our Framingham data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Framingham ZIP codes, full coverage averaged $2,250 a year in rates as of Nov. 30, 2025, and $2,272 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.7% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.1%, led by Plymouth Rock, which raised its liability-only average 8.1%.
Middlesex County averages about $171 a month for full coverage, the seventh-most expensive of the 14 Massachusetts counties we price, and Framingham is the seventh-most expensive of the 59 Middlesex County places we price, about $18 a month above the county average.
To the west, Southborough, in Worcester County, averages $150; to the east, Wellesley, in Norfolk County, averages $148. Massachusetts insurers price by location as well as by driver and car, so your ZIP code can move your price.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Newton, about 11 miles east, averages $181 a month, and Worcester, about 20 miles west, $213. Boston, about 19 miles east, averages $252 across its 24 ZIP codes. Natick, about three miles east, averages $154, and Ashland, about three miles southwest, $171.
Drivers in Framingham follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Framingham averages about $189 a month ($2,272 a year) and liability-only coverage at 20/40/5 limits about $75 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 4% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Framingham table, at about $145 a month, with Progressive close behind at $158. USAA*, which sells only to military families, is priced from published rate studies at about $131 a month, below Plymouth Rock; we don’t rank it. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $56 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. Full coverage in Natick averages about $154 a month, compared with $189 in Framingham, a difference of about $35 a month for the same driver and car.
Up to about $1,273 a year among the five insurers we price. Full-coverage averages in Framingham run from about $145 a month ($1,740 a year) with Plymouth Rock to $251 ($3,013) with Arbella for the same driver and car, and Progressive, GEICO and Safety Insurance fall in between.
In our Framingham data, full coverage (100/300/100 with $500 deductibles) averages about $189 a month and liability-only coverage at 20/40/5 limits about $75, a difference of about $114 a month ($1,371 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Framingham full coverage rose 1.0% between November 2025 and August 2026, from about $2,250 to $2,272 a year. Plymouth Rock raised its average 2.7% and Safety Insurance 2.6%. Liability-only coverage at 20/40/5 limits rose 1.1%.
