About 5 million drivers are out on the roads in Massachusetts. Unfortunately, in 2019 Massachusetts drivers were involved in more than 140,000 crashes. As in every other state, it’s required to carry auto insurance if you’re driving in Massachusetts.
To help you find car insurance in Massachusetts, we’ve identified the top options and tips to make sure you find the right fit.
The top car insurance companies in Massachusetts
Each car insurance company has different requirements and conditions. Shop around to find the best car insurance for you because each insurance company offers different coverage options, add-ons and pricing. We’ve compiled a list of the top ranked car insurance companies in Massachusetts based off of expert ratings and scores.
Each insurance company in Massachusetts ranks differently when it comes to individual factors like price, interaction and overall satisfaction. The JD Power 2020 U.S. Auto Insurance Study ranked the top five car insurance companies in the local market based on an average of these criteria.
|Company||J.D. Power 2020 New England customer satisfaction rating||AM Best financial stability ratings||Average Annual premium for full coverage|
|Geico||841 / 1000||A++ (Superior)||$978|
|State Farm||855 / 1000||A++ (Superior)||$707|
|Amica Mutual||863 / 1000||A+ (Superior)||$1,342|
If you aren’t eligible for USAA membership, Amica Mutual tops the list of best car insurance in Massachusetts available to residents. Amica is unique because it’s a mutual — you can choose from a standard car insurance policy or Amica Mutual’s auto insurance dividend policy, which returns 20 percent of your premium as a dividend each year.
State Farm is the largest insurance company in the U.S. with agents across Massachusetts to provide personal service and help you navigate the number of vehicle coverage options available. Protect your vehicle by upgrading basic liability with collision and/or comprehensive coverage. If you drive for Uber or Lyft, you’ll be able to add rideshare auto insurance.
Regardless of what state you live in, Geico promises to save you money on your car insurance. Geico has a long list of discounts available to drop as much as 25 percent off your premiums. In fact, the more policies you bundle with Geico, the higher the savings on all your policies.
Progressive received a score of 819 in the J.D. Power customer satisfaction study. The insurer claims that new customers can save an average of $750 when they switch. If you’re on a tight budget, get a quote from Progressive.
Average car insurance cost in Massachusetts
The average cost of car insurance in Massachusetts is $1,191 $1,183 annually for full coverage and $397 for minimum coverage. This is considered more affordable in the nation as the national average is $1,738 for full coverage. But However, anyone who has ever shopped for car insurance knows that personal details can make a big difference when it comes to your auto insurance premium. You need to get a quote for a clearer idea of what you will pay.
|Average annual premium for minimum coverage in Massachusetts||Average annual premium for full coverage in Massachusetts|
State minimum insurance requirements for Massachusetts
Massachusetts will fine you anywhere between $500 and $5,000 for driving without adequate insurance, so make sure you know the requirements. Massachusetts’ minimum car insurance requirements require car owners to have a liability insurance policy that covers:
- At least $20,000 for bodily injury or death to one person.
- At least $40,000 for bodily injury or death of more than one person.
- At least $5,000 to cover property damage.
- Personal injury protection and uninsured motorist coverage.
How to get the best car insurance
The best car insurance for you may not be the best car insurance for someone else. Each car insurance company offers coverage options, discounts and add-ons specific to state, ZIP code and policy. All car insurance companies also have unique ways of pricing, so research and shop around while considering your circumstances and needs. You’ll also want to check out the top ranked car insurance companies.
Because only 6.2% of Massachusetts motorists are uninsured, you might be tempted to obtain Massachusetts’ minimum requirement for car insurance given the cheaper cost. However, obtaining full coverage is always the better choice to avoid unexpected costs from unanticipated car accidents or vehicle damages.
Evaluate your individual needs
You can evaluate your car insurance needs by understanding your circumstances and identifying what you’re looking for in a car insurance policy. Insurance companies take into consideration multiple factors like your age, gender, marital status, whether you have teens, accident history and credit score. Consider all of your needs so you can make a better decision when shopping for the best car insurance in Massachusetts.
For example, if you have a house or boat, you may be able to bundle your insurance for home or boat and auto. Most insurance companies offer a bundling policy which can help you save more on your average yearly rate.
Consider state factors
Insurance companies offer additional add-on coverage options for drivers. Considering Massachusetts is located in the Northeast, it is known for its northeastern blizzards. Add-ons like 24/7 roadside assistance may come in handy especially during the winter.
Car insurance discounts in Massachusetts
There are plenty of ways to save money on your auto insurance policy. If high premiums are a concern, you can choose a policy with a lower deductible; just know you’ll have to pay more out of pocket in the event of an accident.
Of course, there are other ways to cut costs without putting yourself at risk. Keep your driving record clean and work on improving your credit score for additional benefits.
Frequently asked questions
What is the best car insurance in Massachusetts?
Massachusetts is a deregulated car insurance state, which means insurance companies can set their own prices. The only way to get the cheapest car insurance rates is to shop around once per year.
What do I need to get car insurance in Massachusetts?
You’ll need personal and financial details for everyone you plan to insure when purchasing a car insurance plan. Keep in mind that in Massachusetts, you’re required to include all family members who have a driver’s license and live at your address in the same policy.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state when it comes to accidents. This means that all parties in an accident must file a claim with their insurance provider, regardless of who was at fault.
What is the best car insurance in Massachusetts?
Massachusetts only requires a minimum amount of liability insurance coverage. The problem is, if you’re at fault in an accident, liability insurance won’t cover your vehicle’s repair costs. The best car insurance in Massachusetts is a combination of liability to meet the state legal requirements and collision/comprehensive coverage to protect your vehicle.
Why would the best insurance provider for one person not be the best for someone else?
The best insurance provider for one person may not be the best for another as insurance companies must take into various factors before hanging out a quote. Factors to be considered include age, gender, ZIP code, marital status, financial payment history, credit score, driving record, and vehicle type. Additionally, depending on location and climate, each person may want to add-on additional options to coverage to protect their vehicle against snow, rain, tornadoes and theft.
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.