Best Car Insurance in Massachusetts (2025)

Travelers Insurance, Liberty Mutual, and Midvale Home & Auto are among the best auto insurance companies in Massachusetts.

Emily Guy Birken
Emily Guy Birken
  • Plutus Award winner

  • 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.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
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.

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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.

Travelers: Best overall

User Reviews
4.7
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.
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.
$229/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.
$273/mo
4.7
Best choiceBased on 911 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 (474)
Vanessa
Verified Review
Travelers Ins. Is the Best
Reviewed in Maryland on July 2025
I don’t think you could find a better company for your auto insurance. Their staff is very efficient and cordial.
John
Verified Review
Good option
Reviewed in Massachusetts on July 2025
Good prices and coverage. Prices have increased, and the replacement costs have increased. I have a disappearing deductible, but it comes at a cost.
Robert
Verified Review
Travelers is a good company
Reviewed in California on July 2025
Solid service and coverage with fine service. Nothing to be concerned about.
See all Travelers reviews
JD Power
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)

Liberty Mutual: Best for bundling

User Reviews
3.5
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.
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.
$127/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.
$194/mo
3.5
A solid optionBased on 3,038 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 (1,742)
Jane
Verified Review
Pricey? But decent
Reviewed in New Jersey on August 2025
Seems pricey.
Rachel
Verified Review
Would not recommend
Reviewed in Nebraska on July 2025
Horrible customer service. They were not helpful with my claim from an accident that was not my fault. I feel I have been penalized ever since. They keep raising my insurance with no explanation.
Mary
Verified Review
Go somewhere else
Reviewed in Maryland on July 2025
Very expensive. They don’t give you a reason or heads up as to why your insurance keeps getting higher, and it takes forever to talk to someone.
See all Liberty Mutual reviews
JD Power
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

  • More expensive premiums than competitors

Midvale Home & Auto: Best for discounts

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
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

Cons
  • No mobile app

  • Policies not available online

  • Poor customer review rating with the BBB

Safeco: Best for accident-free drivers

User Reviews
4.4
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.
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.
$96/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.
$171/mo
4.4
Best choiceBased on 881 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 (495)
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.
John
Verified Purchase
Inexpensive insurance cut mine in half
Reviewed in on July 2025
Extremely easy to get my policy done online.
See all Safeco reviews
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.
1.72
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

GEICO: Best for drivers with an incident

User Reviews
3.9
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.
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.
$100/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.
$119/mo
3.9
A solid optionBased on 12,062 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 (6,450)
Nathaniel
Verified Review
Give them a try
Reviewed in Georgia on August 2025
Geico is a great insurance company. However, the pricing could be a little better. Super customer service!
Julius
Verified Review
If I could find another insurance company with the same coverage and for less money, I would leave
Reviewed in Florida on August 2025
I feel they are overpriced.
Helaine
Verified Review
Pros and Cons of GEICO
Reviewed in New Jersey on July 2025
Great customer service. Very helpful if you’ve had an accident. The policy is too expensive, although the cost is less than other insurers.
See all GEICO reviews
JD Power
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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

    Figuring out the right coverage level for your needs can help you find the policy that works best for you.

  • illustration card https://a.storyblok.com/f/162273/x/fa11c1fe75/comparison-website.svg

    Shop around for quotes

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/0a6ece6bd6/insurify-icons-auto-green-96x96_013-family.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    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

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Average cost of car insurance in Massachusetts

The average rate for car insurance in Massachusetts is $98 per month for liability coverage and $155 per month for full-coverage insurance. This is similar to the national average of $107 per month for liability coverage and $192 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 $98 per month for liability coverage and $155 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

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Mass.gov. "Understanding Auto Insurance."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
Emily Guy Birken
Emily Guy Birken

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.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
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.

Featured in

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