Skip to Main Content
Powered by Coverage.com (NPN: 19966249)

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.

Best car insurance in Massachusetts for 2023

Updated Sep 13, 2023
Compare car insurance rates
Answer a few questions to discover real rates from top-tier carriers in your area.
Location-Icon
Lock Secure Your information is secure
Badge No spam. No fees. No surprises.
Select from a variety of trusted carriers
+ MORE
User
Tell us a little about yourself
We’ll only ask for info we’re confident will impact your rate. That way, we can provide you with the most accurate and personalized offers.
Insurance Auto
Choose which policy is best for you
Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you’d like.
Congrats
Lock in your rate and policy details
Once you’re confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that’s it!

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.

It can be helpful to compare rates to the state averages when considering car insurance companies. On average, full coverage in Massachusetts costs $1,262 per year while minimum coverage costs an average of $429 per year. If you are searching for the best auto insurance in Massachusetts, these companies may be worth your consideration:

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly full coverage premium
$90
Average annual full coverage premium
$1,080
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly full coverage premium
$116
Average annual full coverage premium
$1,392
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
818
/1,000
Average monthly full coverage premium
$167
Average annual full coverage premium
$2,003
Arbella
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
819
/1,000
Average monthly full coverage premium
$129
Average annual full coverage premium
$1,551
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (New England)
787
/1,000
Average monthly full coverage premium
$119
Average annual full coverage premium
$1,429
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
827
/1,000
Average monthly minimum coverage premium
$39
Average annual minimum coverage premium
$473
Amica
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (New England)
862
/1,000
Average monthly minimum coverage premium
$33
Average annual minimum coverage premium
$399
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (New England)
818
/1,000
Average monthly minimum coverage premium
$65
Average annual minimum coverage premium
$779
Arbella
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (New England)
819
/1,000
Average monthly minimum coverage premium
$37
Average annual minimum coverage premium
$445
Allstate
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (New England)
787
/1,000
Average monthly minimum coverage premium
$32
Average annual minimum coverage premium
$382
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
SAVE WITH TRUSTED PROVIDERS
+ MORE
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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.

Badge No spam. No fees. No surprises.
Caret Left Back
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Choose from offers in
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

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.

Best for driving incidents

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827/1,000 AM Best: A++

Average annual premium

$ 1,080 for full coverage
Get a quote

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

Why Geico made our list: Geico has the highest-possible financial strength rating from AM Best, scored well with J.D. Power for customer satisfaction and is tied for the highest Bankrate score of the companies on this list. On top of high ratings, Geico offers the lowest average premiums for full coverage in Massachusetts of any of the companies on our list. Geico also offers its policyholders several ways to save, including potential discounts for insuring multiple vehicles, having a vehicle with certain safety features, being a federal employee or getting good grades.

Who Geico may be good for: With lower average premiums and several savings possibilities, Geico may be a good company for drivers who are looking for affordable car insurance after a driving incident, such as a speeding ticket or at-fault accident. Traffic violations tend to increase insurance rates, so finding ways to keep those premiums lower can help drivers who don’t have clean driving records.

Best for stacking discounts

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 862/1,000 AM Best: A+

Average annual premium

$ 1,392 for full coverage
Amica Review

Explore Bankrate's review

Why Amica made our list: Amica has solid financial strength ratings with AM Best, impressive J.D. Power scores and is tied with Geico for the highest Bankrate Score on this list. It also offers unique incentives to policyholders through an auto insurance dividend policy, which could return up to 20 percent of your premium as a dividend each year. This opportunity is in keeping with Amica’s focus on providing ample possibilities for discounts and savings.  

Who Amica may be good for: Amica may be best for those who are interested in combining or stacking auto insurance savings. The company offers several potential discounts to help you save, including premium savings for being accident-free and paying in full.

Best for customizing policies

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 818/1,000 AM Best: A+

Average annual premium

$ 2,003 for full coverage
Get a quote

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

Why Progressive made our list: Progressive scores well with Bankrate and J.D. Power, and has a superior financial strength rating with AM Best, making it a solid member of this list even though it doesn’t have the lowest average premiums. The combination of these ratings implies that Progressive has historically been able to pay out claims and meet its financial obligations and has a good track record with customer satisfaction. Progressive also offers lots of opportunities for its customers to customize their auto insurance policy.

Who Progressive may be good for: Progressive may have the highest average premium on our list, but the company could still be worth your time if you are looking for a highly customizable policy. Coverage options include gap insurance, ridesharing coverage and custom parts coverage.

Best for giving back

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: 819/1,000 AM Best: A

Average annual premium

$ 1,551 for full coverage
Get a quote

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

Why Arbella made our list: Although Arbella is only available in a few states, one of those is Massachusetts. Arbella offers add-on coverage options, like snowplow endorsements, that are uniquely tailored to the states it operates in and also offers a solid list of discounts that drivers may be eligible for. If you want your premium to feel more meaningful, you may appreciate that Arbella prioritizes community engagement and efforts, partnering with local organizations such as the Boston Bruins Kid Captain program, the Special Olympics Massachusetts and many others. Arbella’s company's values focus on employees, customers, trust, performance, citizenship, diversity and inclusion. Adding to the convenience, Arbella has local agents in the states it operates in and offers online claims filing. 

Who Arbella may be good for: Arbella may be a good fit for drivers looking for a company that prioritizes giving back to the community and offers unique endorsements.

Best for car insurance rewards

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 787/1,000 AM Best: A+

Average annual premium

$ 1,429 for full coverage
Get a quote

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

Why Allstate made our list: Allstate offers a few quality rewards programs, including Allstate's Deductible Rewards program, Safe Driving Club and the Drivewise program. Each of these programs has the potential to help drivers save money on their car insurance with Allstate. The Deductible Rewards program allows you to earn money off your deductible for each year you drive without an auto accident. The Safe Driving Club, also called Allstate's Safe Driving Bonus program, allows drivers to earn a savings bonus on their car insurance every six months they go without an accident. Finally, the Drivewise program is a free system for real-time monitoring of driving habits and offering discounts to reward safe driving.

Who Allstate may be good for: Allstate may be a good fit for drivers looking for multiple savings programs that may help them lower premiums and deductibles based on driving habits.

Auto Car Guides

Looking to save money on auto insurance?

ADVERTISEMENT
People with dog on back of truck
Progressive logo
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 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.

How much is car insurance in Massachusetts?

The average cost of car insurance in Massachusetts is $1,296 annually for full coverage and $446 for minimum coverage. Massachusetts averages are significantly lower than the national average premiums, which are $2,014 annually for full coverage and $622 for minimum coverage. For comparison, average rates for full coverage in the nearby states of Vermont and New York are $1,061 and $3,139 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 score, age or gender when calculating your car insurance premium due to state regulations, although 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.

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

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 Massachusetts car insurance company 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, which includes certain levels of bodily injury liability, property damage liability, uninsured motorist bodily injury and personal injury protection (PIP) because Massachusetts is a no-fault state. Although you do not need to memorize the state’s minimum limits, understanding the Massachusetts car insurance laws might help you decide if you need higher limits or additional coverage types.

Minimum coverage policies can leave you financially vulnerable and do not cover damages to your vehicle. For that reason, many 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. These policies can help a driver to pay off their lease even if the vehicle is totaled.

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.

Frequently asked questions

Savings

Compare rates and save on auto insurance today!

ZIP code
Close X
Written by
Joshua Cox-Steib
Contributor, Personal Finance

Joshua Cox-Steib has two years of experience in writing for insurance domains such as Bankrate, Coverage.com, The Simple Dollar, Reviews.com, and more. His work has also been featured on such sites as MSN and BBB (Better Business Bureau). His insurance writing career has spanned across multiple product lines, with a primary focus on auto insurance, life insurance, and home insurance.

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