For the roughly five million drivers on the roads in Massachusetts, full coverage car insurance costs an average of $1,223 per year, according to Bankrate’s 2021 study of quoted annual premiums. In 2020, there were just over 100,000 crashes in the Bay State, resulting in over 14,000 injuries and 328 deaths. Having the best car insurance in Massachusetts for your needs is an essential piece of your financial planning.
When shopping for car insurance, Massachusetts drivers may want to consider more than just the price of a policy. Coverages, discounts, policy features and a company’s third-party customer satisfaction and financial strength ratings are also important factors to keep in mind. To help you find the best auto insurance in Massachusetts, Bankrate’s insurance editorial team has researched the largest car insurance companies by market share. Our research might make your car insurance search easier.
Best car insurance companies in Massachusetts
In our search for the best car insurance in Massachusetts, we first obtained current quoted premium information from Quadrant Information Services for the largest companies by market share in the state. We also analyzed each company’s coverages, 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. The Scores are on a scale of 0.0 to 5.0. The higher the Bankrate Score, the higher score that the company received in the individual rating categories.
If you are searching for the best auto insurance in Massachusetts, these companies could be worth your consideration:
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power auto claims satisfaction score|
|Geico||4.6||$1,026||871 / 1,000|
|Amica||4.6||$1,398||907 / 1,000|
|Progressive||4.1||$1,749||856 / 1,000|
|Allstate||3.6||$1,312||876 / 1,000|
Geico offers an average premium in Massachusetts that is below the state average, likely partly due to the company’s lengthy list of discounts. There are many ways to save with Geico, including by insuring multiple vehicles, having a vehicle with certain safety features, being a federal employee or getting good grades. The company also has highly-rated digital service, which might be appealing if you like handling your insurance online or through an app.
Learn more: Geico Insurance review
Amica’s average premium is slightly higher than the state average, but the company offers a unique auto insurance dividend policy, which could return up to 20% of your premium as a dividend each year. The company also offers several discounts to help you save, including savings for being accident-free and paying in full. Amica also has the highest J.D. Power customer satisfaction score on our list.
Learn more: Amica Insurance review
Progressive may have the highest premium on our list, but the company could still be worth your time if you are looking for a highly customizable policy. Optional coverages include gap insurance, ridesharing coverage and custom parts coverage. You might be able to lower your premium with Progressive’s discounts, which include savings for getting a quote and buying a policy online, being a homeowner and going paperless.
Learn more: Progressive Insurance review
Allstate’s average premium is slightly higher than Massachusetts’ average, but the company offers plenty of discounts that might help lower car insurance costs. The Drivewise telematics program can help you learn safer driving habits while saving you money. You might also save for having certain vehicle safety features, insuring a new car or signing your policy at least seven days before the effective date.
Learn more: Allstate Insurance review
Average car insurance cost in Massachusetts
However, your personal rating factors will influence the amount that you pay for your car insurance coverage. Your age, driving history, the type of car you drive and the coverages you choose will all affect your premium.
|Average annual premium for minimum coverage in Massachusetts||Average annual premium for full coverage in Massachusetts|
State minimum insurance requirements for Massachusetts
As is the case in most states, drivers in Massachusetts are required by law to carry at least certain minimum car insurance coverages and limits. Driving without insurance in Massachusetts can result in fines, jail time and a revocation of your driving privileges.
Massachusetts’ minimum car insurance requirements require car owners to carry at least the following coverages and limits:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $5,000 property damage to others’ property
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP)
Massachusetts is considered a no-fault state, meaning that your injuries will be covered by your PIP coverage regardless of who causes an accident.
Buying minimum coverage might be a cheap option, but it could cost you in the long run. If you cause an accident and the damages and injuries exceed your insurance amount, you are responsible for the difference out of pocket. Most insurance professionals recommend purchasing higher liability limits for greater financial protection.
Minimum coverage also does not protect your finances against the threat of damage to your own car. For that, you need full coverage, which adds comprehensive and collision. 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.
It is also important to note that in Massachusetts, your policy must also list all licensed drivers who live in your household if they are related to you by blood, marriage or adoption, as well as any occasional drivers regardless of where they live. Failing to notify your insurance company of these drivers could result in a claim being denied. You may be able to exclude certain drivers by submitting a signed form, but the eligibility to do this will vary by company.
How to get the best car insurance in Massachusetts
The best car insurance for you may not be the best car insurance for someone else. Each auto insurance company offers coverage options, discounts and add-ons that might make them more appealing to certain clients. All car insurance companies have unique algorithms to calculate your rate, so you may want to research and shop around while considering your circumstances and needs.
- Evaluate your needs: Insurance companies take multiple rating factors into consideration when they price your policy. Understanding how your policy is unique — for example, you may have a few tickets or accidents on your record, or perhaps you need certain optional coverages for a high-end vehicle — can help you narrow down which companies to get quotes from. Considering all of your needs might help you find a company that fits your situation.
- Consider state factors: Although you will have to purchase at least the minimum required coverages in Massachusetts, there are other state- and even ZIP-code-specific factors that you may want to consider. Only 3.5% of Massachusetts drivers are uninsured, but you still may want to consider increasing your uninsured motorist coverage limits. If you live in an area where vehicle theft is common, you could consider adding comprehensive coverage, and if accidents often happen along your commute, collision coverage could be a good idea.
Talking to a licensed agent can be helpful when choosing coverages.
Car insurance discounts in Massachusetts
There are plenty of ways to save money on your auto insurance policy. 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 common discounts include:
- Multi-policy discounts: If you purchase two policies with the same company, you may save on both policies. Usually, this applies to auto and home, condo or renters insurance policies, but some companies may offer discounts for combining auto insurance with other products, like pet, life or business insurance.
- Vehicle safety discounts: Cars with advanced safety features like anti-lock brakes, side curtain air bags and forward collision warning might qualify for discounts.
- Student 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.
- Low mileage 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 might save money on your car insurance. Usually, companies will put a cap on your maximum annual mileage, which is often 5,000 to 8,000 miles per year, and you may need to occasionally report your odometer reading to your company to keep your discount.
Discounts vary between companies, so talking to a representative might help you identify savings opportunities that you qualify for.
Frequently asked questions
What is the best car insurance in Massachusetts?
The best car insurance in Massachusetts will be different for everyone. Car insurance is a personalized product, meaning that the company, coverages and discounts you choose depend on your individual rating factors and preferences. Understanding what you want from a company — like a good digital app, certain specialty coverages or simply the lowest price — might help you find carriers to get quotes from. Then you can compare the quotes to see what company best fits your needs.
What do I need to get car insurance in Massachusetts?
To get car insurance, you will first need to get a quote. Depending on the companies you are considering, you may be able to get quotes online, by phone or in person at a local agency. You will need the name, date of birth and driver’s license number for every driver in your household, and you may need Social Security numbers. You will also need to have the vehicle identification number (VIN) for each vehicle you want to insure. It can be helpful to know what coverages and limits you are looking for before getting a quote, but an agent should help you decide what is most appropriate for your situation. Once you have chosen a provider and accepted a quote, you will typically have to make at least one month’s payment to start the policy, and you may need to sign an application.
Is Massachusetts a no-fault state?
Yes, Massachusetts is considered a no-fault state. Contrary to popular belief, you are still at fault for damages you cause in a no-fault state. “No-fault” insurance simply refers to injuries. Personal injury protection coverage (PIP) will pay for your injuries regardless of who is at fault in an accident. In Massachusetts, you must carry a minimum of $8,000 in PIP coverage. Even if you have health insurance, your PIP coverage will be used for the first $2,000 in medical expenses. After the first $2,000, your health insurance and PIP coverage will coordinate regarding the additional expenses.
Bankrate utilizes Quadrant Information Services to analyze 2021 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 clean 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 base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base), and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining auto insurance rates: California, Hawaii, Massachusetts, Washington.
Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
Bankrate Scores primarily reflect a weighted rank of industry standard ratings for financial strength (AM Best, S&P, Moody’s) and customer experience (J.D. Power, NAIC), in addition to average quoted rates from Quadrant Information Services. The J.D. Power studies utilized include the 2020 Auto Insurance Study and the 2020 Auto Claims Study. Our Bankrate editorial team’s extensive research and analysis provided a secondary assessment of each insurer’s online and mobile resources and policy management options, which also contributed to overall ratings.