To determine the best four car insurance companies in Massachusetts we analyzed coverage policies, discounts, financial strength ratings, and third-party scores for each of the 13 companies on our list.
Because it scored perfect ratings across most categories in the recent J.D. Power study of 2019, showing it to have outstanding policy offerings and customer service, our top pick for car insurance in Massachusetts is Amica. It’s also a financially strong company with a superior capability of paying claims of all sizes.
The 4 Best Car Insurance Companies in Massachusetts
|Amica||Plymouth Rock Assurance||GEICO||Allstate|
|Our review||Our review||Our review|
|AM Best Financial Strength Rating||A+||A-||A++||A+|
|J.D. Power 2019 Overall Customer Satisfaction Score(New England)||5/5||2/5||4/5||4/5|
|Avg. Annual Premium||$1,435||$830||$1,571||$1,596|
Quadrant car insurance rate data as of 04/21/2020
|Mandated Coverage||Mandated Minimum Coverage Limits|
|Bodily Injury||$20,000 per person$40,000 per accident|
|Bodily Injury Caused by Uninsured Motorist||$20,000 per person$40,000 per accident|
|Property Damage||$5,000 per accident|
|Personal Injury Protection (PIP)||$8,000 per person, per accident|
- J.D. Power Award Recipient 2019
- Superior customer retention rates
- No coverage option for ridesharing
Amica has a 94.3% retention rate with its auto and homeowners insurance customers. That’s not surprising given its five-star ratings in nearly all categories of J.D. Power’s 2019 U.S. Auto Insurance Study.
But if you work as a driver for ridesharing services in Massachusetts, you’ll have to consider other options as Amica doesn’t offer rideshare insurance.
Plymouth Rock Assurance
- Affordable prices
- Enhanced auto insurance coverage options
- Subpar customer service
But when price is your priority, Plymouth Rock Assurance beats almost all other companies we surveyed. Plymouth Rock Assurance offers valuable policy add-ons for customizable car insurance in Massachusetts. Options include replacement cost coverage, which pays for your car’s full replacement price instead of its depreciated value, and use of original equipment manufacturer parts when you need vehicle repairs.
You might have a less-than-desirable customer service experience with Plymouth Rock Assurance, however, since the company received only 2 out of 5 stars for customer satisfaction on J.D. Power’s 2019 study.
- 24/7 roadside assistance and customer support
- Ridesharing coverage
- Mechanical Breakdown Insurance
- No gap insurance
GEICO doesn’t offer gap insurance in Massachusetts or any other state. If you want, you can still have your auto insurance with GEICO and purchase gap insurance with another provider. However, GEICO does provide rideshare insurance for Uber and Lyft drivers. Also, any GEICO policyholder benefits from around-the-clock Emergency Roadside Service and customer service. And if you feel like cars always seem to need repairs right after their warranties expire, the company’s optional Mechanical Breakdown Insurance has your back.
- Easy-to-get discounts
- Claim Satisfaction Guarantee
- High premiums
It’s hard not to obtain a discount with Allstate because of how easy it is to qualify. Allstate has various safe-driver-type discounts and others like responsible payer, early signing, and paperless signing. That’s good because Allstate has some of the highest annual premiums of all the companies we researched.
Massachusetts residents can also call on Allstate’s Claim Satisfaction Guarantee if they’re unhappy with any part of the claim process. If you meet the requirements, you’ll receive a six-month credit on your auto insurance premium.
The Cheapest Car Insurance Companies in Massachusetts
|Largest Companies by Market Share in Massachusetts||Average Annual Premium|
|Plymouth Rock Assurance||$830|
|Safety Insurance Co||$1,074|
|Norfolk Dedham Mut Fire Ins||$1,280|
|NGM Insurance Company||$1,545|
|Citizens Ins Co of America||$1,596|
Car Insurance by Credit Rating
|Credit Rating tier||Average Annual Premium|
|Average Across Credit Rating Tiers||$1,381|
Top 3 Cheapest Car Insurance Companies in Massachusetts
- State Farm – $706
- Plymouth Rock Assurance – $830
- Safety Insurance – $1,074
Top 3 Most Expensive Car Insurance Companies in Massachusetts
- Travelers – $2,254
- Metropolitan Insurance – $1,646
- Allstate and Citizens Insurance Company of America – $1,596
The cheapest car insurance companies in Massachusetts are State Farm, Plymouth Rock Assurance, and Safety Insurance. The most expensive ones are Travelers, Metropolitan Insurance, and Allstate and Citizens Insurance Company of America, which tie for third.
We used general profiles to determine car insurance premiums in Massachusetts. Ask for a personalized quote if you want to know which companies have the best price and value for your budget.
Guide to Massachusetts Car Insurance
Massachusetts Car Insurance Liabilities
Massachusetts is one of 12 states in the country using a no-fault car insurance system. As a driver in an accident, this means it doesn’t matter who caused the car crash. Your auto insurer will pay for your own property damage, medical expenses, and other fees outlined in your policy up to your policy limit. In most cases, you won’t be able to use a personal injury attorney to take the other party to court, even if the accident was their fault.
Massachusetts has several minimum car insurance coverage requirements that you must meet before it allows you to register your car:
- Coverage for bodily injuries to others: $20,000 per person; $40,000 per accident
- Coverage for personal injuries: $8,000 per person, per accident
- Coverage for bodily injuries caused by uninsured autos: $20,000 per person; $40,000 per accident
- Coverage for property damage: $5,000 per accident
Can You Do Better Than the Minimum?
You’d be responsible for any medical expenses and vehicle repair costs beyond the limits you select for your policy. The average price of a new car is $36,718, and hospital bills can climb into hundreds of thousands of dollars for serious injuries. Consider your financial situation to see if minimum liabilities are enough.
How We Found the Best Massachusetts Car Insurance Companies
We took the 13 largest companies by market share in Massachusetts and compared their average annual premiums, policy coverage, discounts, AM Best ratings, and J.D. Power scores. We worked with Quadrant Information Services to provide data on auto insurance rates by company and credit score. Quadrant makes this information available using rate data that insurers are required to file with the state Department of Insurance. Rates are based on sample profiles created by Reviews.com for comparative purposes.
Massachusetts Auto Insurance FAQ
What are average auto insurance rates in Massachusetts?
Due to its high concentration of urban areas, Massachusetts’ car insurance rates are on the higher side — on average $1,129 per year, compared to the nationwide average of $1,009. Factors that can affect your insurance premium include but aren’t limited to:
- Make and model of your car
- Your coverage limits and add-ons
- Amount of drivers for each car
- Number of cars covered
- Years spent driving
- Marital status
- Claims history
Everyone’s rate will be different based on certain factors like these, but shopping around means you can find the best coverage, and best price, for you and your needs.
What are the minimum liability requirements in Massachusetts?
Liability essentially means “responsibility,” and there are two kinds of liability when it comes to auto insurance: bodily injury and property damage. If you are at fault in an accident, your auto liability insurance will pay the other driver’s medical and vehicle repair costs.
Minimum liability refers to the minimum amount of insurance coverage the state of Massachusetts requires you to purchase. Massachusetts’ minimum liability coverage breaks down like this:
- $20,000 bodily injury coverage per person
- $40,000 bodily injury coverage per accident
- $5,000 property damage coverage per accident
Does Massachusetts require Personal Injury Protection (PIP)?
In Massachusetts, like all other no-fault states, you’re also required to have Personal Injury Protection, or PIP for short. (In a no-fault state, policyholders can recover financial losses from their own insurance company, regardless of fault.) This includes coverage for medical services, rehabilitation, lost wages due to missed time at work, and even funeral expenses. In some states, PIP also includes essential services such as child care.
Does the high amount of snow storms affect premium pricing in Massachusetts?
Massachusetts residents are no strangers to heavy snow and winter storms, which means insurers and drivers need to be prepared for the worst. As with most weather events the Insurance Information Institute reports that in the event of a snow storm related claim you’re usually covered. If you end up in an auto accident with another driver, your liability will kick in. If you hit a stationary object like a tree or a road barrier, optional collision coverage will take care of it. And lastly, if your car is damaged by fallen tree limbs, flooding, or high winds, then optional comprehensive coverage will cover you. All-in-all, if you’re worried about weather affecting your car, it pays to opt for comprehensive and collision coverage on your policy.
What is a no fault state? Is Massachusetts a no fault state?
A no-fault state is one where drivers are covered by their provider regardless of who is “at fault” for an auto accident. This means that each driver will file a claim to their insurer in order to pay for damages to their vehicle, persons, or property that has been damaged in transit. Massachusetts is a no-fault state, so rear ending someone isn’t an insurance disaster, provided you have the necessary coverage to pay off the costs.