Car insurance is a legal requirement in Massachusetts for drivers to be financially protected. In 2025, multiple statewide analyses place average premiums around $1,500–$1,650 per year for a full-coverage policy and about $430–$600 for minimum coverage, based on recent studies from Bankrate, NerdWallet, The Zebra, and ValuePenguin. For comparison, the U.S. average full-coverage premium is roughly $2,500 in 2025, per the same types of national benchmarking resources (see Bankrate and NerdWallet).
There are dozens of car insurance companies that serve drivers in Massachusetts, but not all carriers are the best fit for each driver and situation. To find the best Massachusetts car insurance, we compared some of the top providers based on priorities important to most drivers, such as premiums, coverage options, and discounts. The providers that top the list based on our study include Amica, Plymouth Rock Assurance, Geico, and Allstate. In the New England region that includes Massachusetts, Amica ranks highest for overall customer satisfaction in J.D. Power’s latest regional study, while large national and regional competitors remain strong choices depending on price and features. Massachusetts also restricts certain rating inputs (for example, prohibiting the use of credit information and several personal characteristics), which can make in‑state price comparisons differ from other states; see the Division of Insurance’s prohibited underwriting factors.
The 4 Best Car Insurance Companies in Massachusetts
- Amica: Best for Customer Service
- Plymouth Rock Assurance: Best for Customizable Policies
- Geico: Best for Discounts
- Allstate: Best for Robust Coverage
Compare the Best Car Insurance Companies in Massachusetts
Information compiled in 2025 from multi-source statewide studies and official resources (see citations below).
*Ranges reflect 2025 statewide averages for Massachusetts: see Bankrate, NerdWallet, The Zebra, and ValuePenguin.
**J.D. Power 2021 Auto Insurance Satisfaction Study New England regional results; numeric scores vary by year and carrier. Consult the linked study for the most current 2025 findings.
Amica
Best for Customer Service
Why we chose it
Pros
- Offers dividend policies
- Variety of discounts available
- Above-average customer service ratings
Cons
- Not available nationwide
- Higher average rates than some competitors
Types of Coverage Offered
- Accident forgiveness
- Gap insurance
- Glass coverage
- Personal injury protection
- Platinum Choice Auto (accident forgiveness, identity theft monitoring, glass repair, new car replacement coverage, credit monitoring, and prestige rental coverage)
- Rental car reimbursement
- Roadside assistance
Discounts Available
- AutoPay
- Claims-free
- Defensive driving training
- Family
- Good student
- Homeowner
- Loyalty
- Multi-vehicle
- Pay in full
- Paperless billing
- Policy bundling
- Student away at school
- Vehicle discounts (anti-theft system, electronic stability control, forward-collision warning system, passive restraints, and adaptive headlights)
- Telematics/safe-driving program (availability varies)
- Electric/hybrid equipment or vehicle safety feature credits where offered
More Amica Insurance Reviews
Plymouth Rock Assurance
Best for Customizable Policies
Why we chose it
Pros
- Affordable prices
- Enhanced auto insurance coverage options
- Customizable car policies
Cons
- Few discounts
- Inconsistent claims processing times
Types of Coverage Offered
- Bodily injury caused by an underinsured auto
- Limited collision
- Medical payments coverage
- Replacement cost coverage
- Substitute transportation (rental car or other substitute transportation)
- Towing and labor
Discounts Available
- Motor club member
- Multi-policy discount
- Multi-car discount
- Student away at school
- Paid in full discount
Geico
Best for Discounts
Why we chose it
Pros
- Variety of discounts
- Strong financial ratings
- Fast and convenient claims processing
Cons
- Below average customer service
- No discounts for hybrid/electric cars
- No gap insurance
Types of Coverage Offered
- Personal injury protection
- Rental car reimbursement
- Roadside assistance
- Mechanical breakdown coverage
- Medical coverage
- Uninsured motorist coverage
- Collision coverage
- Comprehensive coverage
Discounts Available
- Defensive driving course
- Driver education course
- Emergency deployment
- Employee membership
- Federal employee
- Good driver
- Good student
- Seat belt use
- Military
- Multi-vehicle
- Multi-policy
- New vehicle
- Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights)
More Geico Insurance Reviews
Allstate
Best for Robust Coverage
Why we chose it
Pros
- Strong online policy management and learning materials
- 24/7 claims center
- Drivewise program
Cons
- Missing some common discounts
- Claims might take longer than expected
Types of Coverage Offered
- Accident forgiveness
- Collision coverage
- Comprehensive coverage
- Custom equipment coverage
- Liability coverage
- Medical payments coverage
- New car replacement
- Personal injury protection
- Personal umbrella policy
- Rental reimbursement coverage
- Roadside coverage
- Uninsured and underinsured motorist coverage
Discounts Available
- Anti-lock brake
- Anti-theft device
- Automatic withdrawal
- Drivewise program
- Early signing
- Full-pay
- Milewise program
- Multi-policy
- New car
- Paperless
- Responsible payer
- Safe driver
- Smart student
More Allstate Insurance Reviews
*Ranges reflect synthesized 2025 statewide averages from Bankrate, NerdWallet, The Zebra, and ValuePenguin.
** J.D. Power’s 2021 Auto Insurance Satisfaction Study New England region (link goes to the latest 2025 release). We do not display numeric scores here; consult J.D. Power for current results.
The Average Cost of Car Insurance in Massachusetts
Massachusetts auto insurance remains cheaper than the national average in 2025. Current statewide studies show full coverage typically around $1,500–$1,650 per year and minimum coverage around $430–$600 per year (Bankrate; NerdWallet; The Zebra; ValuePenguin). By contrast, the national full-coverage benchmark is roughly $2,500 in 2025. Premiums have risen since earlier years amid higher claim severity and inflation in repair and medical costs; see the BLS CPI (Boston area) trend and the Insurance Information Institute for context.
Premiums vary by territory (urban Boston areas often price higher than suburban/rural areas), coverage limits/deductibles, vehicle and usage, and driver history. Massachusetts also restricts certain pricing inputs — for example, insurance companies may not use your credit information or gender for auto rating — see prohibited underwriting factors. Telematics programs and safe-driving discounts are increasingly common in 2025 and can materially affect your quote.
Top 3 Cheapest Car Insurance Companies in Massachusetts
| Company | Average Annual Minimum Coverage Premium* |
| State Farm | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
| Plymouth Rock | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
| Safety | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
* 2025 statewide minimum coverage range synthesized from Bankrate, NerdWallet, The Zebra, and ValuePenguin. Actual cheapest carrier varies by profile; no single insurer is cheapest for all drivers.
Top 3 Most Expensive Car Insurance Companies in Massachusetts
| Company | Average Annual Minimum Coverage Premium* |
| Travelers | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
| Progressive | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
| Main Street America | ≈ $430–$600 statewide (2025); varies by driver/ZIP and discounts |
* These are not statewide “expensive” rankings; they illustrate that actual premiums depend on rating territory and driver/vehicle factors. Use the 2025 statewide range from Bankrate, NerdWallet, The Zebra, and ValuePenguin as guidance, and compare personalized quotes.
Guide to Massachusetts Car Insurance
Car owners looking for the best auto insurance in Massachusetts who practice safe driving habits may see more competitive rates, on average. Massachusetts consistently has one of the lowest shares of uninsured motorists in the country — about 6% in 2022 (roughly 94% insured), per the Insurance Research Council and the Insurance Information Institute. Earlier analyses from SmartAsset also ranked Massachusetts favorably for driver safety. The Commonwealth of Massachusetts created a comprehensive list of driving resources to support older adults, people with disabilities and low-income commuters. If you have difficulty obtaining coverage, agents can access the residual market via Commonwealth Automobile Reinsurers (MAIP), though most drivers find options in the voluntary market.
Car Insurance Add-Ons That May Further Protect You
Based on common risks and the local driver’s profile, we recommend the following add-ons. In 2025, many carriers also promote usage-based telematics programs that can lower premiums for consistently safe driving, and EV owners may find add-ons for charging equipment and battery-related roadside support (Allstate Drivewise; LexisNexis UBI study).
- Optional Bodily Injury to Others: An add-on that most providers offer and covers accidents anywhere in the United States. In case of an accident, this coverage pays for damages to the driver and any vehicle passengers.
- Medical Payments: Pays for medical expenses for you and the passengers when you exceed what’s covered by your Personal Injury Protection (PIP).
- Collision coverage: In the event of a crash, this coverage will cover damages to your vehicle. Your lender may require you to have this coverage.
- Comprehensive coverage: This add-on will cover almost anything that is not crash-related. For example, damages caused by a storm, a falling object, hitting an animal or even if someone steals your car.
Massachusetts Minimum Insurance Requirements
Insurance requirements vary per state. In the state of Massachusetts, you are required to have liability coverage as the minimum, as well as personal injury protection, to satisfy the state’s no-fault law. That includes coverage for bodily injuries to others, another one for personal injuries and property damages. Finally, this state requires you to have coverage for physical injuries caused by uninsured autos.
Minimum liability required in the state of Massachusetts is divided as follows:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $5,000 property damage liability per accident
- $20,000 uninsured motorist bodily injury liability per person
- $40,000 uninsured motorist bodily injury liability per accident
- $8,000 personal injury protection (PIP)