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Best car insurance in Massachusetts in 2022

Updated Nov 21, 2022
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As a Massachusetts driver, finding the best car insurance in Massachusetts may be an essential part of your financial plan. After all, the right coverage can help to ensure that you have a layer of financial protection if you’re facing the damages and repercussions of an at-fault car accident. Without the right auto insurance policy, you’d be stuck paying the bill for any damages that surpass what your policy will cover.

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How Bankrate chose the best car insurance companies in Massachusetts

In order to determine the best car insurance companies in Massachusetts, Bankrate analyzed average premium data from Quadrant Information Services, along with other factors, like third-party ratings, coverage options and discount opportunities. We used these and other factors to issue each provider a Bankrate Score with a maximum of 5.0. You can use these same factors to help determine your best car insurance options.
 

Best car insurance companies in Massachusetts

Geico, Amica, Progressive and Allstate offer some of the best car insurance in Massachusetts, according to Bankrate’s extensive research. In our search for the best car insurance companies in Massachusetts, we obtained current quoted premium information from Quadrant Information Services for the state’s largest companies by market share. We also analyzed each company’s coverage options, discounts and policy features. We combined this information with third-party rankings from J.D. Power for customer service and AM Best for financial strength.

Based on our research, we assigned a Bankrate Score to each company, which operates on a scale of 0.0 to 5.0. The higher the Bankrate Score, the better that company ranked across these categories.

If you are searching for the best auto insurance in Massachusetts, these companies may be worth your consideration:

Car insurance company Bankrate Score Average annual full coverage premium J.D. Power customer satisfaction score
Geico 4.7 $1,110 827/1,000
Amica 4.4 $1,478 862/1,000
Progressive 4.3 $1,905 818/1,000
Allstate 3.7 $1,473 787/1,000

BEST CAR INSURANCE COMPANY FOR DRIVING INCIDENTS

J.D. Power:
827 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 494
Avg annual premium for full coverage:
$ 1,110
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BEST CAR INSURANCE COMPANY FOR STACKING DISCOUNTS ON CAR INSURANCE

J.D. Power:
862 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 427
Avg annual premium for full coverage:
$ 1,478
Read full Amica review

Explore Bankrate's review

BEST CAR INSURANCE COMPANY FOR CUSTOMIZING CAR INSURANCE POLICIES

J.D. Power:
818 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 751
Avg annual premium for full coverage:
$ 1,905
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

BEST CAR INSURANCE COMPANY FOR STACKING DISCOUNTS ON CAR INSURANCE

J.D. Power:
787 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 426
Avg annual premium for full coverage:
$ 1,473
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Average car insurance cost in Massachusetts

The average cost of car insurance in Massachusetts is $1,296 annually for full coverage and $446 annually for minimum coverage. Massachusetts averages are significantly lower than the national average premiums, which are $1,674 annually for full coverage and $565 annually for minimum coverage.

Studying car insurance rates by state can be useful for planning and comparison. However, the factors that impact your car insurance are specific to you, so your individual rates will likely be different than these averages. In Massachusetts, your age, driving history, the make and model of the car you drive and the coverage types you choose will all affect the rate you pay. Insurance companies in Massachusetts cannot use your credit score, age or gender when calculating your car insurance premium due to state regulations.

Average annual premium for minimum coverage in Massachusetts Average annual premium for full coverage in Massachusetts
$446 $1,296

How to find the best car insurance in Massachusetts

The best car insurance for you may not be the best car insurance for someone else. Each auto insurer offers coverage options, discounts and add-ons that might make them more appealing to certain clients. With these differences in mind, the following considerations may help you find the right car insurance provider for your needs.

Consider minimum insurance requirements in Massachusetts

Massachusetts’ minimum car insurance requirements mean that vehicle owners in this state must carry at least the state’s minimum coverage limits on their vehicles. Bodily injury liability is one such coverage, and in this state, drivers are required to carry at least $20,000 in bodily injury liability per person and $40,000 in bodily injury liability per accident. Drivers are also required to have a minimum amount of property damage liability, uninsured motorist bodily injury and personal injury protection (PIP). Although you do not need to memorize your state’s minimum limits, understanding the Massachusetts car insurance laws might help you decide if you need higher limits.

Minimum coverage policies can leave you financially vulnerable and do not cover damages to your vehicle. For that reason, most insurance experts recommend purchasing full coverage insurance to better protect your finances.

Consider lender requirements

Massachusetts’ state minimum coverage does not protect your finances against the threat of damage to your car. For that, you need full coverage car insurance, which includes comprehensive and collision coverage. If you have a loan or lease, your lender probably requires that you carry full coverage and may stipulate how high your deductible can be. You may also want to consider purchasing gap insurance, which is designed to cover the difference between your vehicle’s cash value and the balance of your loan.

Consider your individual needs

Understanding how your insurance needs are unique — for example, perhaps you need certain optional coverage types such as luxury car insurance — can help you narrow down which companies to consider. You may also want to consider how your car is used. If you work for a Transportation Network Company like Uber or Lyft, you may want to review your insurance needs with your prospective car insurance company. You may need an endorsement on your policy to be properly covered as a rideshare driver. Once you figure out your needs, you can compare car insurance quotes from companies that fit your needs.

Car insurance discounts in Massachusetts

Wondering how to lower your car insurance? Car insurance in Massachusetts is, on average, less expensive than it is in the nation as a whole, but most companies offer discounts that can help you save even more. Some of the best car insurance discounts include:

  • Young driver discounts: If you insure a teen driver on your policy, you might be able to save money with a good student discount, distant student discount or driving training discount.
  • Safe driver discounts: If you only drive your vehicle a few times a week, drive only a few miles a day or rely heavily on public transportation, you may be able to save money on your car insurance. You might also save if you have been accident-free for a certain number of years or participate in a telematics program to demonstrate safe driving habits.
  • Other discounts: If you purchase two policies with the same insurer, you may qualify for bundling discounts or multi-car discounts. You might also save if you can afford to pay your policy in full or if you opt for automatic withdrawals from your bank account.

Discounts vary between companies, so talking to a representative might help you identify savings opportunities that apply to you.

Frequently asked questions

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by Insurance Editor
Reviewed by Assistant Vice President & Claims Field Manager