Best car insurance in Massachusetts in 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. 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 2021 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.

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Finding the best car insurance starts with your personal criteria. Are you looking for the cheapest car insurance company or a carrier that offers numerous discounts? Or do you prefer a company that gives you access to unique coverage options so that you can build an insurance policy tailored to your needs? Narrow down what’s most important to you and then start your search based on the companies that offer what you want and need. You may also find it useful to consider whether you want a local agent to serve as an advisor or would rather manage your policy online instead. After you’ve narrowed down the companies that might be a good fit for you, you can request personalized quotes to find out which of the companies offer rates that fit your budget.

Car insurance companies use different algorithms to determine your car insurance premiums. For instance, one company might weigh driving history more heavily, while another company might care more about your vehicle’s make and model. For that reason, the cheapest car insurance in Massachusetts depends on your individual characteristics and how each company weighs them.

Before you purchase car insurance, it’s important to get quotes from a few different carriers to find out what your rates and options are. To get a car insurance quote, you will need to gather some personal information, including your address and the names, birth dates and driver’s license numbers of all drivers that should be included in the policy. You will also need to offer information on your vehicle’s make and model, and it may help to provide the vehicle identification number (VIN) for a more accurate quote. From there, you can also select the coverage options and limits you’d like for coverage like bodily injury liability, property damage liability, uninsured motorist and more. If you aren’t sure how much insurance you need, a licensed insurance agent can help you through the process. Once you’ve found the right policy, you’ll need to formally apply and pay for at least the first month of coverage for your policy to be effective.

Yes, Massachusetts is considered a no-fault insurance 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.