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The “best” car insurance company will look different for drivers in Massachusetts, depending on what insurance features they value most. To some, it means finding the cheapest rate. For others, it may require identifying the insurer with the most discounts. Other drivers may look for the best coverage for those with bad records. And some car insurance companies offer coverage favorable for young and senior drivers.
With the cost of car insurance in Massachusetts averaging $175 per month, drivers in the state will likely value finding the right coverage at the right price.
Best car insurance companies in Massachusetts
The best car insurance for you and your family depends on your situation and needs. Often, drivers may not select the cheapest option but instead choose an insurer with coverage favorable to their specific driving category.
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Insurance Company
Best For
Average Monthly Quote: Liability Only
Insurify Quality Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
USAA ranks as the best car insurer in Massachusetts due to how it fares in three important areas: low rates, quality coverage, and solid customer satisfaction. Though USAA only provides coverage to military members, veterans, and their families, the company’s general popularity and reputation for retaining policyholders with competitive rates and excellent customer service set it apart from some insurers.
Of the car insurance companies reviewed that offer coverage in Massachusetts, USAA earned the highest Insurify Quality Score of 4.5 out of 5. This reflects USAA’s competitive rates, overall financial strength, and strong customer service ratings. On average, USAA policyholders in Massachusetts pay $23 per month for liability and $35 for full coverage.
Pros
Second-lowest rates of insurers on the list
Highest J.D. Power ratings in New England for customer satisfaction in 2022
24/7 claims reporting available online
Cons
Only available for military members, veterans, and their families
GEICO, the second-largest auto insurer in the U.S., has very competitive rates in Massachusetts, including for young drivers. Its rates for liability-only coverage were the lowest of any insurer that sells to both military and nonmilitary families.
Independent agents sell GEICO coverage throughout Massachusetts, though it has less of a local presence than some competitors with career agents who sell to and service customers through many neighborhood offices.
GEICO ranks high in J.D. Power customer service ratings, has the highest possible rating by A.M. Best for financial strength (A++ Superior), and has an Insurify Quality Score of 4.3 out of 5. In Massachusetts, car insurance from GEICO costs $23 per month for liability and $36 for full coverage on average.
Pros
Variety of policies and add-on coverages
Good student discount helps lower rates
A++ (Superior) financial strength rating from A.M. Best
Cons
Higher rates for older drivers
Above-average number of customer complaints on the NAIC index
With an average monthly premium for liability-only coverage of $14, State Farm ranks as the most affordable car insurance in Massachusetts. Full-coverage insurance costs $21 per month on average, and the company advertises at least 10 discounts for policyholders to benefit from.
Having affordable car insurance from State Farm doesn’t mean you need to sacrifice quality coverage or customer service. State Farm scores well above average in J.D. Power customer service ratings for auto insurers and has earned an Insurify Quality Score of 4.4 out of 5.[1]
Pros
Top financial strength rating from A.M. Best (A++)
Has many local agents throughout Massachusetts to service existing policyholders
A large number of available discounts
Cons
Not currently soliciting new business in Massachusetts
Liberty Mutual has been selling car insurance for more than 100 years and provides the best coverage for young drivers — the group that typically faces the most expensive car insurance. The company’s good student discount rewards students that maintain a B average or better and can help make car insurance more affordable for teens and drivers younger than 25 who are still in school.
Liberty Mutual is the sixth-largest property and casualty insurer in America and ranks 78th on the Fortune 500 list of the country’s largest companies. The company has an Insurify Quality Score of 3.8 out of 5. On average, Liberty Mutual drivers pay $176 per month for liability and $265 per month for full-coverage car insurance.
Pros
Good student discount helps lower rates
A++ (Superior) financial strength rating from A.M. Best
RightTrack program allows good drivers to earn savings
Cons
Doesn’t offer rideshare insurance
Earned below-average customer satisfaction ranking from J.D. Power in New England
More expensive rates than other insurers for all drivers
Though a few insurers offer lower car insurance rates than Plymouth Rock, the company still has the most affordable coverage for seniors in Massachusetts. The company sells its policies through local agents, but you can get a quote online while comparison shopping. An established New England insurer, Plymouth Rock only sells policies in six states, which can be inconvenient for policyholders moving to a state where the company doesn’t do business. On average, Plymouth Rock policyholders pay $32 per month for liability-only coverage and $45 for full coverage.
Pros
Sold by local agents
Above-average J.D. Power customer satisfaction score for the New England region
Below-average number of customer complaints on the NAIC complaint index
Not a well-known national brand, Midvale Home & Auto stands out as the best coverage available for families in Massachusetts. The company offers competitive rates for all drivers, but younger family members particularly benefit from its good student and student away at school discounts. On average, Midvale Home & Auto drivers pay $87 per month for liability and $157 for full coverage.
Pros
Uses local agents to help policyholders
A (Excellent) financial strength rating from A.M. Best
Online quotes available
Cons
No mobile app available
Third-party insurers underwrite policies
Slightly above-average number of customer complaints on the NAIC index
Unlike many auto insurance companies, Allstate offers insurance for rideshare drivers. Allstate’s Ride for Hire program covers you as a rideshare driver and fills in some gaps your personal auto policy may not cover while you wait for a passenger assignment or drive to pick up a passenger. Car insurance coverage costs $49 per month for liability and $76 for full coverage on average in Massachusetts.
Pros
Offers rideshare insurance
Many available car insurance discounts
Sells traditional and pay-per-mile coverage
Cons
You can’t buy coverage online
Fewer agents than some competitors with local offices
Above-average number of customer complaints from NAIC complaint index
Amica offers premium coverage called “Platinum Choice Auto.” In addition to standard coverage, this coverage provides new-car replacement coverage that replaces your new car (under 1 year old with fewer than 15,000 miles) with a newer model if you total your vehicle. Drivers pay slightly higher rates with Amica, at $71 per month for liability and $111 for full coverage.
Pros
Many discounts available
Robust website with detailed coverage descriptions
Below-average number of customer complaints on NAIC complaint index
Cons
Must buy coverage through an insurance agent
A limited number of agents sell Amica
Better coverage options for high-risk drivers
How Insurify’s experts used internal proprietary data to rate top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
The data included on this page represents averages across all ages, genders, credit scores, and Massachusetts driver profiles.
How to shop for the best car insurance in Massachusetts
Shopping for the best car insurance in Massachusetts takes time and effort, but if done systematically, you’ll find the best coverage for you and your family. Follow these six steps:[2]
Decide how you want to purchase coverage. Consider whether you want to work directly with the insurance company or use the services of an independent agent. Many people feel comfortable shopping for insurance online, while others prefer to get help from a local neighborhood agent.
Identify potential insurers. Select at least three companies to receive quotes from that you believe offer the right coverage to meet your insurance needs.
Choose the coverage amounts you need. If you work with an agent, they can help you arrive at the proper coverage limits based on your vehicle make and model, the mileage you drive, your driving record, and other factors. If you decide to buy coverage online, many company websites will walk you through a series of questions to help you select the correct coverage limits.
Compare quotes. Shopping around for quotes from multiple companies will give you a realistic comparison of pricing options for the same coverage limits and deductibles from each insurer.
Apply for the new coverage. To complete the application, you’ll need to enter your VIN, driver’s license information, current insurance ID card, and information on all drivers in your household.
Cancel your current coverage. Your new car insurance company can’t cancel your old coverage for you if you have existing coverage — you’ll need to do that. Make sure your new coverage takes effect before you cancel your old policy.
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How to get the cheapest car insurance in Massachusetts
The ability to find cheap rates may vary for each driver. For example, your driving record, average mileage, credit history, and the type of car you insure all determine your rates.
The tips below will help you find the cheapest car insurance based on your situation:
Opt for liability-only coverage. You’ll earn cheaper rates if you have an older model car and don’t need full coverage.
Use all the discounts you qualify for. Ask your insurer about all discounts to ensure you receive each one you qualify for. Some discounts can lower your premium by as much as 25%.
Pay your full premium up front. Almost all insurers will give you a cheaper rate if you pay for the entire term of coverage up front with your application.
Stay ticket and accident-free. To get and keep cheap rates, do your best to drive safely and avoid moving violations and at-fault accidents.
Costs for bodily injuries caused by a driver with little or no car insurance
Liability-only vs. full-coverage insurance in Massachusetts
The Commonwealth of Massachusetts requires drivers to purchase a minimum amount of liability auto insurance. Liability insurance covers costs for any damages or injuries you cause in an accident. If you didn’t cause it, the liability coverage of the responsible party will pay for the property damage and medical expenses you suffer.
It may make sense for a driver to carry liability-only insurance in a couple different situations. First, if your vehicle is 10 years or older and your annual premium costs around the value of your car, you likely don’t need full-coverage insurance.
Secondly, liability-only coverage may be all you can afford. If you have a car, you need to have the minimum liability insurance required by the state. You may expose yourself to greater financial risk by having less coverage, but you can increase your coverage limits as needed in the future.
If you have a new model car and want the security of having more than the minimum coverage required, you can choose to go with full-coverage insurance. Full-coverage car insurance, often required if you have a car loan or lease your vehicle, gives you more protection. You should also consider this coverage if you have higher-risk young drivers on your policy or an expensive car.
Full-coverage insurance also includes collision and comprehensive coverage. Collision insurance covers damage to your vehicle if you have a collision that you caused or that the other driver’s insurance won’t cover you. Comprehensive insurance covers costs of noncollision damages caused by vandalism, theft, natural disasters, and more.
You’ll find a big difference in rates between insurers in Massachusetts, ranging from $14 to $265 per month.[4]
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Massachusetts car insurance rates by driving and accident history
If you’ve ever received a speeding ticket, you probably remember your car insurance rates going up shortly after. The same goes for a conviction for driving under the influence or an at-fault accident. Your driving history is one of the most significant determinants of your car insurance rates.
Drivers with a DUI tend to pay the highest rates. For example, State Farm drivers with a DUI face a 100% increase compared to rates earned by drivers with a clean record.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 insurance in Massachusetts
Though often referred to as “SR-22 insurance,” an SR-22 form proves that you have the minimum liability insurance required in Massachusetts. Your car insurance company files the form with the state, which assures the proper authorities that you’ll maintain at least the minimum coverage required. Your insurer will notify the state if you don’t, and you’ll likely face driver’s license suspension or revocation.
Not every driver needs to have SR-22 insurance. If you need an SR-22, you’ll be notified by the Massachusetts DMV or the traffic court. You may need it if you have:
Been convicted of a DUI, DWI, reckless driving, or other serious moving violation
Received too many traffic tickets in a short period
Caused an accident while you were driving without proper insurance
Most states allow insurance companies to deny your application for car insurance or adjust rates based on the credit information they’ve obtained from a credit-reporting agency. However, Massachusetts prohibits this practice.
“Insurance companies are not allowed to base any decision concerning insurability or rates based on your credit history or credit score,” says Cameron Micheletti of the Massachusetts Division of Insurance.
However, laws change, so you’ll want to understand the benefits of excellent or good credit scores as opposed to poor ones. Drivers with good credit tend to pay lower rates than drivers with poor credit.
Car insurance quotes in Massachusetts cities
Car insurance rates also vary by location. Rates can differ in every city and even by ZIP code. Insurers consider the average number of accidents per city, how much they pay out for claims, population density, and the history of vandalism and theft in a given area.
Here are the Massachusetts cities with the lowest car insurance rates.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Depending on factors like where you live in the commonwealth and the number of accidents in an area, your car insurance costs may be much higher than average. For example, Brockton had 2,322 car accidents in 2022 – 141% more accidents than in Somerville, where rates are cheapest.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Massachusetts car insurance rates by driver age
Your age can affect insurance rates. Teens pay nearly double what a driver older than 25 does for car insurance because they have accidents and moving violations more commonly than older drivers.[5]
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Massachusetts car insurance FAQs
You have a lot to consider when finding the cheapest car insurance in Massachusetts. Here’s what you need to know when making those decisions.
Who has the cheapest car insurance in Massachusetts?
To find the cheapest car insurance in Massachusetts based on your insurance needs, search for multiple quotes. State Farm, USAA, and GEICO offer the cheapest car insurance in Massachusetts. Coverage starts as low as $14 per month for liability-only coverage from State Farm.
Who has the best and cheapest car insurance in Boston?
Travelers, Midvale Home & Auto, and Liberty Mutual offer the cheapest car insurance in Boston. However, the best car insurance company for you will depend on your coverage needs, driving record, credit history, and more.
What is the required car insurance coverage in Massachusetts?
Minimum requirements in Massachusetts are a bit higher than requirements in some other states. In the Bay State, you must carry bodily injury, property damage, personal injury protection (PIP), and uninsured/underinsured motorist bodily injury coverage.
What are the best car insurance companies in Massachusetts?
The best car insurance companies in Massachusetts also have the cheapest monthly rates for full coverage: State Farm ($21), USAA ($35), and GEICO ($36). The best insurers offer rates much lower than the state’s average monthly rate of $175. They each have above-average customer satisfaction scores from J.D. Power and top financial strength ratings from A.M. Best.
How does credit score affect car insurance premiums in Massachusetts?
In Massachusetts, insurance companies can’t use your credit score to determine your coverage eligibility or rates.
Is Massachusetts a no-fault state?
Yes, Massachusetts is a no-fault state. This means that regardless of which driver caused the accident, your minimum coverage will cover the expenses for you or anyone else you permitted to drive your vehicle, passengers in your car, pedestrians, and anyone living in your household.
Insurify Insights
How Massachusetts Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Massachusetts below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Massachusetts drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Massachusetts
#36
State with the Most Speeding Tickets Rank
#24
State with the Moving Violations Rank
#42
State with the Most DUIs Rank
#47
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Massachusetts is the #4 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #4
Percent of drivers in Massachusetts with an accident: 11.3%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Massachusetts is the #42 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #42
Percent of drivers in Massachusetts with a DUI: 1%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Massachusetts is the #30 state in the country for drivers with a reckless driving offense on record.
Rank among states: #30
Percent of drivers in Massachusetts with a reckless driving offense: 1.2%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Massachusetts is the #29 state in the country for drivers with a rude driving violation on record.
Rank among states: #29
Percent of drivers in Massachusetts with a rude driving violation: 1.4%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Massachusetts is the #36 state in the country for drivers with a speeding ticket on record.
Rank among states: #36
Percent of drivers in Massachusetts with a speeding ticket: 7.2%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Massachusetts is the #37 state in the country for drivers with a failure to yield violation on record.
Rank among states: #37
Percent of drivers in Massachusetts with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Having spent more than 15 years helping people plan their lives financially, Bob mastered many different financial products to help people achieve their financial goals, including life insurance, disability insurance, mutual funds, and stocks and bonds. He earned the Chartered Life Underwriter (CLU) designation and held numerous securities licenses. Bob is an internationally published poet and is now a freelance writer living in North Texas with his wife and Doberman puppy.
