Best Car Insurance in Massachusetts (2026)

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, ZIP code, vehicle, and coverage level.^[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

Best Overall

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User Reviews	4.1 1,494 reviews
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.	$203/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.	$295/mo

Details

Driver Reviews

4.1

Best choiceBased on 1,494 verified driver reviews and ratings

	Travelers's score	Industry average
Coverage options	4.1	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Numerous discounts

Gap insurance

Rideshare coverage

Showing 9 reviews from Massachusetts driversSee all 608 Travelers reviews

Christopher

Verified Review

Not a Happy Client

Reviewed in Massachusetts on May 5, 2026

I tried to register my car the other day. I had just gotten out of the VA hospital and received a notice in the mail that my registration was due, so I went online like I do every year. This is for my 2024 registration. When I filled out all the paperwork, they told me I was uninsured. I called Amazonia Insurance, and they told me it was wrong. I said OK, then I called again, and they told me they don’t have my records. I've had a bad experience this last week with them, and I've been with them for a long, long time. I just want you to give me my money back if you didn’t insure me because they’re saying you didn’t insure me. I would like all my money back for this year. Thank you.

Nicole

Verified Review

They're a 10/10 - Love Their Service!

Reviewed in Massachusetts on April 13, 2026

They are very helpful and kind, and work fast at resolving problems. They have fair rates for pricing.

Lucinda

Verified Review

Excellent

Reviewed in Massachusetts on March 26, 2026

Excellent but looking for a lower price.

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Our Advice

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

bundling

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User Reviews	3.9 3,964 reviews
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.	8.4 /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.	$125/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

Details

Driver Reviews

3.9

A solid optionBased on 3,964 verified driver reviews and ratings

	Liberty Mutual's score	Industry average
Coverage options	3.9	3.2
Customer service	3.8	3.6
Discounts	3.5	2.9
Policy transparency	3.7	3.1
Value	3.6	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Numerous discounts

New and financed vehicles

Accident forgiveness

Showing 6 reviews from Massachusetts driversSee all 1,930 Liberty Mutual reviews

Danielle

Verified Review

The Experience

Reviewed in Massachusetts on February 18, 2026

They are pretty good. They have decent prices. They are helpful with claims but don't always respond right away.

James

Verified Review

Poor Service

Reviewed in Massachusetts on February 7, 2026

Liberty advertises that you pay only for what you want. My wife has dementia and cannot drive. She is on my policy, and they have told me because she was listed, she would have to remain, and I have to pay for that.

Mary

Verified Review

Liberty Mutual Offers the Best Prices

Reviewed in Massachusetts on January 4, 2026

My experience with Liberty Mutual is mostly good. I like the flexibility of being able to pay and find my forms online. I didn’t find auto glass replacement to be easy with Liberty Mutual. The company they recommended didn’t have our windshield, so I had to find another company myself. I wish the original prices they quoted me did not go up so much. Each year, the price increases beyond what I’m happy with. That being said, when I price other companies, there are none that are cheaper. So I’m staying with Liberty Mutual.

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Our Advice

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, Boston-based 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

• RightTrack telematics program may raise your rates if it detects poor driving habits

• Higher-than-average number of complaints with the NAIC

• More expensive premiums than competitors

Midvale Home & Auto: Best for discounts

discounts

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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

Details

Driver Reviews

Best For

Student drivers

Optional coverages

Bundling savings

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

Not rated

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

accident-free drivers

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User Reviews	4.1 1,058 reviews
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.	$102/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.	$162/mo

Details

Driver Reviews

4.1

Best choiceBased on 1,058 verified driver reviews and ratings

	Safeco's score	Industry average
Coverage options	4.0	3.2
Customer service	4.2	3.6
Discounts	3.8	2.9
Policy transparency	4.0	3.1
Value	3.8	2.9

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.

Based on analysis of verified reviews collected by Insurify

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Best For

Cash back for being claims free

Optional coverages

Diminishing deductible

Showing recent national reviewsSee all 539 Safeco reviews

Donald

Verified Review

Bring your prices down

Reviewed in Oklahoma on April 24, 2026

They charge too much money for the old stuff that I have, nothing higher than a 2006 or 2013 for my Jeep. They told me what a good customer I was. I made a mistake on the dates and paid it all in full on the 22nd when I thought that's when it was due, but I paid it on the 21st. I didn't think I was late, but they charged me a late fee. It was due on the 15th, and I missed that email. They did not care, well neither do I. So, just as soon as I find something cheaper, I'm going. I already dropped it down to just the bare minimum. Y'all lost a good customer.

Bryan

Verified Review

Not Happy

Reviewed in Utah on April 19, 2026

Premiums started low, but it seems like with every renewal they increase again and again. I would think that the longer I am a customer, they would go in the other direction.

Alysia

Verified Review

Older Car, More Expensive

Reviewed in Alabama on March 23, 2026

My car got older, and the insurance increased over the last 3 years.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

613

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

Safeco, owned by Liberty Mutual, offers unique benefits for safe drivers, making 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

drivers with an incident

Compare Quotes

User Reviews	3.8 18,202 reviews
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.	$89/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.	$129/mo

Details

Driver Reviews

3.8

A solid optionBased on 18,202 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	3.7	3.2
Customer service	3.8	3.6
Discounts	3.5	2.9
Policy transparency	3.6	3.1
Value	3.6	2.9

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.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing 30 reviews from Massachusetts driversSee all 7,741 GEICO reviews

Karen

Verified Review

Don't know until it is too late!

Reviewed in Massachusetts on May 11, 2026

I currently have Geico and have had it for 16 years. I had an accident and was not provided insurance protection.

Fernanda

Verified Review

Every year they increase payment portion

Reviewed in Massachusetts on April 28, 2026

Geico is too expensive and doesn't provide good services.

Brenda

Verified Review

I will never say a good word or use Homesite or Geico again

Reviewed in Massachusetts on April 22, 2026

Horrible customer service and no resolution to them understanding my checking account was hacked and they didn't receive the automatic payment where all my accounts were affected and had to change my billing information. Called a few times and got all kinds of conflicting bills. The girl who first helped me was very nice and told me she was reluctant to take a payment over the phone from me. She reported, "I'm afraid that they won't get it right!" This company disrespected my words and chose not to try and understand the truth. I would like to know a supervisor I could talk to even though I will never use them again. They charge three times as much as other agencies, no thanks.

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Our Advice

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 OUIs

• No rideshare or new car replacement coverage

• Very low Trustpilot rating

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.

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



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.



Check out customer reviews

Websites like 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.

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Average cost of car insurance in Massachusetts

The average rate for car insurance in Massachusetts is $110 per month for liability coverage and $142 per month for full-coverage insurance. This is similar to the national average of $98 per month for liability coverage and $187 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