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The Best Massachusetts Auto Insurance Company

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    Car insurance is a legal requirement in Massachusetts for drivers to be financially protected, and Bay State drivers pay above average rates. The average cost of Massachusetts car insurance is $1,769 per year for a full coverage policy, and $617 for a minimum coverage policy, based on Review’s study of rates from Coverage.com. For comparison, the average annual premium in the United States is $1,555 for full coverage.

    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.

    The 4 Best Car Insurance Companies in Massachusetts

    Compare the Best Car Insurance Companies in Massachusetts

    Average Price for Minimum Coverage* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Amica$563$1,8395A+867
    Pin Plymouth Rock Assurance$415$1,4003.8A-804
    Pin Geico$641$1,3874.4A++841
    Pin Allstate$578$1,7783.8A+810

    Information accurate as of September 2021

    *Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale.

    Best for customer service

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.
    • 5 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,839* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 867** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Amica is one of the few car insurance companies that offers dividend policies, where you can get back up to 20% of your premium.

    Pros

    • Offers dividend policies
    • Variety of discounts available
    • Above-average customer service ratings

    Cons

    • Not available nationwide
    • Rates can be expensive
    Read More

    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)

    More Amica Insurance Reviews

    Best for customizable policies

    Plymouth Rock Assurance offers a variety of coverage with optional add-ons for customers who want to get the right protection level.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,400* Average Premium Pricing data comes from our partners at Coverage.com.
    • A- AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 804** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Plymouth Rock Assurance offers a variety of coverage with optional add-ons for customers who want to get the right protection level.

    Pros

    • Affordable prices
    • Enhanced auto insurance coverage options
    • Customizable car policies

    Cons

    • Few discounts
    • Inconsistent claims processing times
    Read More

    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

    Best for discounts

    Geico is known for offering comprehensive car insurance policies with an array of discounts, even for high-risk drivers.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,387* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 841** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is known for offering comprehensive car insurance policies with an array of discounts, even for high-risk drivers.

    Pros

    • Variety of discounts
    • Strong financial ratings
    • Fast and convenient auto repairs

    Cons

    • Below average customer service
    • No discounts for hybrid/electric cars
    • No gap insurance
    Read More

    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

    Best for wide coverage

    Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.
    • 3.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,778* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 810** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.

    Pros

    • Streamlined claims process with a satisfaction guarantee
    • Strong online policy management and learning materials
    • 24/7 claims center
    • Drivewise program

    Cons

    • Missing some common discounts
    • Claims might take longer than expected
    Read More

    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

    * Data provided by Coverage.com, price based on the state minimum required policy.

    ** J.D. Power’s 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale.

    The Average Cost of Car Insurance in Massachusetts

    The cost of Massachusetts auto insurance is more expensive on average compared to the national average. According to Coverage.com, a full coverage auto insurance premium in this state is $1,769 per year. That is about 12% more than the national average of $1,555. For just the minimum coverage required by the state, the average is $617 per year.

    Factors that can affect your insurance premium include, but aren’t limited to, weather conditions in the area, brand and model of your car, coverage add-ons, claims history, gender, amount of drivers for each vehicle, years spent driving and even age. Massachusetts is part of the group of states that don’t allow insurers to consider your credit score to set your car insurance rates.

    Top 3 Cheapest Car Insurance Companies in Massachusetts

    CompanyAverage Annual Premium*
    Geico$641
    Plymouth Rock Assurance$415
    Allstate$578

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Massachusetts

    CompanyAverage Annual Premium*
    Amica$563
    Allstate$578
    Plymouth Rock Assurance$415

    * Data provided by Coverage.com, price based on the state minimum required policy.

    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. And while most drivers in this state are responsible, with 93% of them being insured (according to a study made by SmartAsset) uninsured drivers are one of the many reasons insurance is a wise financial investment, in addition to being required by the state. Massachusetts ranked within the best ten states for drivers in the United States and it has the fewest fatalities per 100 million vehicle miles driven. The Commonwealth of Massachusetts created a comprehensive list of driving resources to support older adults, people with disabilities and low-income commuters. To learn more about safe driving, pedestrian and bicycling safety, you can check their page on transportation safety and injury prevention. The variety of greater or lesser risks is ultimately what determines the cost of car insurance in Massachusetts, and which company will be the best fit.

    Car Insurance Add-Ons That Will Further Protect You 

    Based on common risks and the local driver’s profile, we recommend the following add-ons:

    • 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 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 comprehensive 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)

    Massachusetts Car Insurance FAQ

    Methodology 

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Massachusetts, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com rating. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data, based on the profiles of 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.

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