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Best car insurance in Massachusetts for 2024

Bankrate’s research pinpointed Geico, Amica, Progressive and Allstate as some of the best car insurance companies in Massachusetts.

Updated Feb 21, 2024
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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, we obtained 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 on a scale of 0.0 to 5.0. The higher the Bankrate Score, the better that company ranked across these categories.

It can be helpful to compare rates to the state averages when considering car insurance companies. On average, full coverage in Massachusetts costs $1,646 per year while minimum coverage costs an average of $416 per year. If you are searching for the best auto insurance in Massachusetts, these companies may be worth your consideration:

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,065
$446
4.6
Rating: 4.6 stars out of 5
$1,966
$470
4.4
Rating: 4.4 stars out of 5
$1,951
$788
4.0
Rating: 4 stars out of 5
$2,025
$548
3.9
Rating: 3.9 stars out of 5
$1,742
$518

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$89/mo

Avg. full coverage premium

$1,065/yr

Customer satisfaction

Not rated

Amica

4.6

Rating: 4.6 stars out of 5

Avg. full coverage premium

$164/mo

Avg. full coverage premium

$1,966/yr

Customer satisfaction

Not rated

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$163/mo

Avg. full coverage premium

$1,951/yr

Customer satisfaction

Not rated

Arbella

4

Rating: 4 stars out of 5

Avg. full coverage premium

$169/mo

Avg. full coverage premium

$2,025/yr

Customer satisfaction

Not rated

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$145/mo

Avg. full coverage premium

$1,742/yr

Customer satisfaction

Not rated

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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 to help you assess what the best car insurance options are for you.

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Why you can trust Bankrate

Read our full methodology

To help Massachusetts drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

How to find the best car insurance in Massachusetts

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

New

What’s new in Massachusetts?

In early 2023, Massachusetts State Senator Pavel Payano introduced bill S703, which aims to reduce racial and socioeconomic inequities in car insurance pricing. If it is made into law, the bill would ban auto insurers in Massachusetts from placing heavy emphasis on your ZIP code when determining your rate, in the hopes that it will bring more affordable rates to drivers in urban areas. To be specific, the bill would alter each insurer’s rating algorithm to give no more than 75 percent weight to a driver’s ZIP code and 25 percent weight to the Massachusetts average.

Related content:

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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.

How much is car insurance in Massachusetts?

The average cost of car insurance in Massachusetts is $1,646 annually for full coverage and $416 for minimum coverage. Massachusetts averages are significantly lower than the national average premiums, which are $2,545 annually for full coverage and $741 for minimum coverage. For comparison, average rates for full coverage in the nearby states of Vermont and New York are $1,359 and $3,848 per year, respectively.

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 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, age or gender when calculating your car insurance premium due to state regulations. However, insurers can use your years of driving experience, so younger drivers will likely still see increased premiums. Beyond personal variables, where you live — both state and ZIP code — can also play a significant role in your rates. Areas with higher costs for car repair, higher incidences of theft or vandalism or lots of traffic congestion may have higher rates.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Massachusetts

To help you better gauge your insurance costs, Bankrate created the calculator below. Once you enter a few pieces of basic information, you can see a rough estimate of what your car insurance policy will cost you.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute