This year, about 5 million drivers are out on the roads in Massachusetts. Unfortunately, in 2019 Massachusetts drivers were involved in more than 140,000 crashes. As in every other state, it’s required to carry auto insurance if you’re driving in Massachusetts.
While you’re shopping for car insurance in Massachusetts, consider these tips:
- Consult the Massachusetts Consumer Bill of Rights for Automobile Insurance to find out what you’re entitled to as a consumer.
- Check your driving record to see if you’re in good standing.
- Confirm whether the quote you received is for six months or one year.
- Ask if all possible discounts that might apply to you have been taken into consideration.
To help you more, we’ve identified the top options and tips to help make sure you find the right fit.
The top car insurance companies in Massachusetts
Each insurance company in Massachusetts ranks differently when it comes to individual factors like price, interaction and overall satisfaction. The JD Power 2020 U.S. Auto Insurance Study ranked the top five car insurance companies in the local market based on an average of these criteria.
|USAA||Amica Mutual||State Farm||Geico||Progressive|
|Score (out of 1,000)||895||863||855||841||819|
USAA ranks #1 in the J.D. Power customer survey in all regions nationwide. Unfortunately, car insurance from USAA isn’t available to everyone. Access is reserved for active military, veterans, retired military and their families.
If you can qualify for insurance through the organization, put it at the top of your shortlist of best car insurance companies in Massachusetts to compare quotes from.
If you aren’t eligible for USAA membership, Amica Mutual tops the list of best car insurance in Massachusetts available to residents. Amica is unique because it’s a mutual — you can choose from a standard car insurance policy or Amica Mutual’s auto insurance dividend policy, which returns 20 percent of your premium as a dividend each year.
State Farm comes in as #3. It’s the largest insurance company in the U.S. with agents across Massachusetts to provide personal service and help you navigate the number of vehicle coverage options available. Protect your vehicle by upgrading basic liability with collision and/or comprehensive coverage. If you drive for Uber or Lyft, you’ll be able to add rideshare auto insurance.
Regardless of what state you live in, Geico promises to save you money on your car insurance. Geico has a long list of discounts available to drop as much as 25 percent off your premiums. In fact, the more policies you bundle with Geico, the higher the savings on all your policies.
Progressive comes in as #5 in the best car insurance companies in Massachusetts with a score of 819 in the J.D. Power Customer Satisfaction Study. The insurer claims that new customers can save an average of $750 when they switch. If you’re on a tight budget, get a quote from Progressive. You’ll be pleased with the level of service and the cost.
State minimum insurance requirements for Massachusetts
Massachusetts will fine you anywhere between $500 and $5,000 for driving without adequate insurance, so make sure you know the requirements.
State insurance requirements sets bodily injury minimums at $20,000 per person and $40,000 per crash, and you must be covered for damage to someone else’s property of at least $5,000. You’re also required to carry uninsured motorist coverage.
Average car insurance cost in Massachusetts
The average cost of car insurance in Massachusetts is $1,191 annually. But anyone who’s ever shopped for car insurance knows that personal details can make a big difference when it comes to your auto insurance premium. You’ll need to get quote for a clearer idea of what you’ll pay.
Auto insurance discounts in Massachusetts
There are plenty of ways to save money on your auto insurance policy. If high premiums are a concern, you can choose a policy with a lower deductible; just know you’ll have to pay more out of pocket in the event of an accident. U.S. News estimates that opting for a $1,000 deductible instead of a $200 deductible could save you around 40 percent on your annual premiums in Massachusetts.
Of course, there are other ways to cut costs without putting yourself at risk. Keep your driving record clean and work on improving your credit score for additional benefits.
Frequently asked questions
What is the cheapest car insurance in Massachusetts?
Massachusetts is a deregulated car insurance state, which means insurance companies can set their own prices. The only way to get the cheapest car insurance rates is to shop around once per year.
What do I need to get car insurance in Massachusetts?
You’ll need personal and financial details for everyone you plan to insure when purchasing a car insurance plan. Keep in mind that in Massachusetts, you’re required to include all family members who have a driver’s license and live at your address in the same policy.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state when it comes to accidents. This means that all parties in an accident must file a claim with their insurance provider, regardless of who was at fault.
What is the best car insurance in Massachusetts?
Massachusetts only requires a minimum amount of liability insurance coverage. The problem is, if you’re at fault in an accident, liability insurance won’t cover your vehicle’s repair costs. The best car insurance in Massachusetts is a combination of liability to meet the state legal requirements and collision/comprehensive coverage to protect your vehicle.