Based on Bankrate’s research, Geico and Amica offer some of the best auto insurance in Massachusetts, followed closely by Progressive and Allstate. 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.
For Massachusetts residents, full coverage car insurance costs an average of $1,223 per year, according to Bankrate’s 2021 study of quoted annual premiums. But 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.
Best car insurance companies in Massachusetts
Geico, Amica, Progressive and Allstate are all good options for auto insurance in Massachusetts, based on our research. 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 customer satisfaction score|
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. However, the policies are relatively basic with few options for customization.
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. Although Amica may not be a great choice for Massachusetts residents with driving incidents on their records, the company could be a great choice for drivers with clean driving histories.
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. However, the National Association of Insurance Commissioners (NAIC) does receive a higher-than-average number of complaints regarding Allstate.
Learn more: Allstate Insurance review
Average car insurance cost in Massachusetts
The average cost of car insurance in Massachusetts is $1,223 annually for full coverage and $510 annually for minimum coverage. This is more affordable than the national average premiums, which are $1,674 annually for full coverage and $565 annually for minimum coverage.
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 the rate you pay.
|Average annual premium for minimum coverage in Massachusetts||Average annual premium for full coverage in Massachusetts|
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 auto insurer offers coverage options, discounts and add-ons that might make them more appealing to certain clients. However, there are some steps you can take to help you find the right options for you.
Consider minimum insurance requirements in Massachusetts
As is the case in most states, drivers in Massachusetts are legally required to carry at least certain minimum car insurance coverages and limits. Massachusetts’ minimum car insurance requirements require vehicle owners to carry minimum limits of bodily injury liability, property damage liability, uninsured motorist bodily injury and personal injury protection. Although you do not need to memorize your state’s minimum limits, understanding the state laws might help you decide if you need higher limits.
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, 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. 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.
Consider your individual needs
Understanding how your insurance needs are unique — for example, perhaps you need certain optional coverages for a high-end vehicle — can help you narrow down which companies to get quotes from. You may also want to consider how your car is used. If you work for a Transportation Network Company like Uber, Lyft, Uber Eats and other similar companies, it is important to review this with your potential insurer; you may need an endorsement on your policy to be properly covered. Considering all of your needs might help you find a company that fits your situation.
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:
- Young driver 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.
- Safe driver 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. You might also save if you have been accident-free for a certain number of years.
- Other discounts: If you purchase two policies with the same insurer, you may save by bundling both policies. You might also save if you can afford to pay your policy in full or if you opt for automatic withdrawals from your bank account.
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 is the cheapest car insurance company in Massachusetts?
For cheap car insurance in Massachusetts, you might want to get quotes from Plymouth Rock, Safety and Arabella. These companies offer the lowest average rates in the state, based on Bankrate’s research. However, keep in mind that your individual rating factors will affect your premium. Your rates may be higher or lower than the average rates for these companies.
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, , Michigan, 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 and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.