Over 12 years writing about insurance and personal finance
Emily is a Plutus Award-winning freelance writer and former educator who makes complex financial topics easy to understand. She specializes in the science behind money habits and has written for outlets like The Huffington Post, Business Insider, and The Washington Post.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Save up to $1,025† by comparing quotes from the top 120+ insurance companies
Excellent
Secure. Free. Easy-to-use.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Massachusetts drivers looking for car insurance may be overwhelmed by the huge number of insurance options available.
To help you determine the best car insurance options in Massachusetts, Insurify analyzed 50 car insurance companies in the Bay State. Here’s how you can find the best Massachusetts car insurance policy for your needs.
Best car insurance companies in Massachusetts
The best auto insurance company won’t be the same for every driver. Not only does every driver have different priorities and needs when it comes to their auto insurance coverage, but each insurer may also use different factors to determine annual rates. These factors may include things like your driving history, marital status, ZIP code, vehicle, coverage level, and credit history.[1]
Comparing quotes from several different insurance companies is the best way to make sure you find the right coverage for your needs at the price you can afford. The following five insurers may be a good place to start your comparison shopping, as they’re among the best car insurance companies in Massachusetts.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$227/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$274/mo
4.7
Best choiceBased on 920 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (477)
David
Verified Review
Car insurance: A necessity
Reviewed in New Jersey on August 2025
It's fine, but every year they increase too much.
Salvatore
Verified Review
Travelers have the best rates
Reviewed in Florida on August 2025
Best rates for auto insurance by far for myself and my wife with our situation and where we live. Rates don't get much better if we bundle our home, so I have a separate policy with a different insurer for my home. Customer service is almost non-existent; 95% of any contact has been through the app or online. I haven't needed to make any claims yet, so I can't comment on that aspect. I have shopped coverage with the competition and have found them to cost more and offer less coverage. So I'll put up with the lack of agent contact to save on premium and stay with Travelers for auto insurance.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
623
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers has been providing accident insurance coverage since 1864 — well before the invention of the automobile. Travelers issued the first auto insurance policy in 1897, making it the oldest car insurance company in the U.S.
Today, Travelers offers innovative coverage options — including gap insurance, roadside assistance, and rental car coverage — at good prices.
Pros
Many available coverages and discounts
Accident forgiveness available
AM Best financial strength rating of A++ (Superior)
Cons
Rideshare coverage not available in Massachusetts
Many negative customer reviews with the Better Business Bureau (BBB)
Higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$124/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$185/mo
3.5
A solid optionBased on 3,050 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,746)
Robert
Verified Review
Liberty Mutual vs All Others
Reviewed in Colorado on August 2025
Policy explanations are weak, rates are too high, options are confusing, and the claim process is average. I find nothing that stands out from one insurance company versus another.
Consuela
Verified Review
My opinion
Reviewed in Florida on August 2025
They're good, I just would like to find something cheaper though.
Linda
Verified Review
Liars
Reviewed in Tennessee on August 2025
They constantly increase premiums after initially claiming they would reduce them the longer I stayed with them, even with no claims.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
626
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
In operation since 1912, Liberty Mutual offers a one-stop shop for many consumers, providing auto, homeowners, condo, renters, flood, life, and other insurance products.
Bay State drivers interested in getting car insurance through Liberty Mutual can save money by bundling auto and home insurance, or any other insurance products they need. In addition to bundling, Liberty Mutual also offers discounts for good students, military members, students away at school, claims-free and violation-free drivers, and multi-car discounts.
Pros
Many available discounts
Accident forgiveness available
Ranks highly in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study
Cons
Very low customer review rating with the BBB
Higher-than-average number of complaints with the NAIC
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
NR
Best For
Student drivers
Optional coverages
Bundling savings
Best For
Student drivers
Optional coverages
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.11
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
As a subsidiary of Wisconsin-based American Family Insurance, Midvale Home & Auto offers the personal service you expect from a smaller regional insurer with the financial stability and robust offerings you may associate with a bigger player in the industry.
Midvale offers Massachusetts drivers many discounts, including multi-policy, multi-vehicle, good student, new customer, paperless, and pay-in-full discounts.
Pros
Backed by the financial strength of American Family Insurance
Optional gap insurance and roadside assistance
Discount for new policyholders who switch to Midvale
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.1 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$91/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$163/mo
4.4
Best choiceBased on 884 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (496)
Sandra
Verified Review
Never again
Reviewed in Washington on August 2025
It was fine until last month when it was time for our auto renewal. They raised our rates by $4200! Absolutely nothing had changed on our side. I can understand a small change, but $4200 for people that had been with them for about 40 years? We still have our home with them because it renewed in February. I still can't believe it—$4200! My husband is 82 and I'm 76. No tickets or DUIs ever.
Bill
Verified Review
Insurance rates are out of control
Reviewed in Colorado on August 2025
I have had overall good experiences with SafeCo. Unfortunately, rates are significantly increasing for the same coverage.
Margaret
Verified Review
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
Reviewed in Indiana on July 2025
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Even though Liberty Mutual owns Safeco, its unique benefits for safe drivers make it a worthy addition to the ranks of the best car insurance companies in Massachusetts.
The company’s Claims Free Cash Back program offers a great savings opportunity for accident-free drivers. If you make no claims for a six-month period, Safeco will mail you a check for 2.5% of your policy premium, with a potential cash-back total of 5% per year.
Safeco also offers a vanishing deductible to Bay State drivers with clean driving records. And if you get into an accident, Safeco will forgive it if you’ve been claims-free for a certain number of years.
Pros
Pays cash back to customers who remain claims-free
Many customizable coverage options
Accident forgiveness available
Cons
Limited number of available discounts
May not be the cheapest option for drivers with infractions on their records
Higher-than-average number of complaints with the NAIC
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$99/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo
3.9
A solid optionBased on 12,141 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,476)
Patrick
Verified Review
Easy, Quick, and Worth It
Reviewed in California on August 2025
Make sure all coverages are correct and then compare prices. Geico was the lowest.
James
Verified Review
GEICO is good, Safe Driving App is NOT
Reviewed in Texas on August 2025
The Safe Driving App does not accurately track driving, and I lost the discount because of it.
Gail
Verified Review
Poor
Reviewed in Florida on August 2025
They are not a good carrier. My rates went up to $2000.00 a year because I moved 6 miles.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Between its humorous commercials and its reputation as a nationwide insurer with competitive rates, GEICO has established its place as the third-largest U.S. auto insurance company by market share.
But this company offers more than just amusing advertisements. Bay Staters with spotty driving histories will find competitive premiums for high-risk drivers, and GEICO also offers a number of discounts. Each discount could save drivers upward of 25%, according to the company website. Budget-conscious drivers with less-than-perfect records may find a good deal with GEICO.
Pros
Many available discounts
Award-winning app and website
Accident forgiveness available
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage
Very low Trustpilot rating
Our editorial team analyzed regional and national auto insurance companies that sell policies in Massachusetts to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Massachusetts
Finding the best car insurance in Massachusetts may take a little homework, but following these strategies can help you pinpoint the right coverage for your needs at a price that fits your budget.
Decide your coverage needs
As a no-fault state, Massachusetts requires all drivers to carry the legally mandated minimum auto coverage. This includes bodily injury liability, property damage liability, personal injury protection (PIP), and uninsured/underinsured motorist (UIM) bodily liability coverage.[2] But beyond the legally required coverage, many drivers in Massachusetts decide the minimum required coverage may not be enough.
This is why Massachusetts drivers should think about increasing their coverage beyond the state minimums and adding additional types of coverage to the policy.[3] For example, purchasing full-coverage car insurance will offer you more financial protection in the event of an accident.
Requesting a rate quote from multiple insurance companies is the best way to find the most affordable coverage for you. That’s because every insurer uses different factors to set rates. As such, two similar drivers with comparable driving histories, vehicles, and coverages may still get different rates from the same company.
Check out customer reviews
Websites like the Better Business Bureau and Trustpilot can give you insight into what it’s like to be a policyholder with any particular insurance company. These sites aggregate reviews from current policyholders.
Compare insurance scores and ratings
A number of third parties rate insurance company stability and performance, which can also help potential policyholders find the right insurer for their needs.
Some of the best include J.D. Power, which publishes an annual study of customer satisfaction and claims satisfaction in the auto insurance industry; AM Best, which rates the financial stability of insurance companies; and the National Association of Insurance Commissioners (NAIC), which aggregates complaints against insurance companies each year.
Find Cheap Car Insurance in Massachusetts
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Average cost of car insurance in Massachusetts
The average rate for car insurance in Massachusetts is $94 per month for liability coverage and $145 per month for full-coverage insurance. This is similar to the national average of $104 per month for liability coverage and $184 per month for full-coverage insurance.
Commonwealth drivers should remember that average car insurance rates have increased in recent years, increasing 30% in Massachusetts in 2024, according to an Insurify auto insurance report. The same report anticipates a 1% increase in auto insurance costs in 2025 in the Bay State.
Best car insurance in Massachusetts FAQs
The answers to the following common questions about car insurance in Massachusetts can help you find the right policy for your needs.
How much is car insurance in Massachusetts?
The average rate for car insurance in Massachusetts is $94 per month for liability coverage and $145 per month for full-coverage insurance, according to Insurify data.
What are the best car insurance companies in Massachusetts?
The best insurance company will vary from one Bay State driver to another, depending on coverage needs and driver history. But Massachusetts drivers may want to check out Travelers Insurance, Liberty Mutual, Midvale Home & Auto, Safeco, and GEICO since these five companies are among the best insurers in the state.
What is the required auto insurance coverage amount in Massachusetts?
As a no-fault state, the Commonwealth of Massachusetts requires drivers to carry personal injury protection (PIP) and uninsured/underinsured motorist coverage in addition to bodily injury and property damage liability coverage. The specific minimum car insurance requirements for Massachusetts drivers are outlined below:
Bodily injury liability: $20,000 per person/$40,000 per accident
Property damage liability: $5,000 per accident
Personal injury protection: $8,000 per accident
Uninsured/underinsured motorist bodily injury: $20,000 per person/$40,000 per accident
Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.
Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.
She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.
Emily lives in Milwaukee with her family.
Emily has been a contributor at Insurify since October 2022.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
)
)
){kind=small}
){kind=small}
){kind=small}
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
