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The Best Massachusetts Auto Insurance Company

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    The Bay State has affordable auto insurance that is 11% below the national average and drivers don’t need to worry about their credit score increasing their premiums, as this state is one of the few that banned this practice. 

    To find the best car insurance in Massachusetts we analyzed coverage, discounts, financial strength ratings and third-party scores. From our top picks in the state, Amica and Geico were also included in our list of best car insurance companies in the U.S., but Plymouth Rock Assurance and Allstate are worth checking out.

    The 4 Best Car Insurance Companies in Massachusetts

    Compare the Best Car Insurance Companies in Massachusetts

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score 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$562.75$1,839.035/5A+863/1,000
    Pin Plymouth Rock Assurance$414.75$1,399.954/5A-808/1,000
    Pin Geico$641.26$1,387.484.4/5A++841/1,000
    Pin Allstate$577.97$1,778.294/5A+807/1,000
    Amica

    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
    • $562.75 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.
    • 863** 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

    • Personal injury protection 
    • Glass coverage 
    • Roadside assistance 
    • Rental car reimbursement 
    • Platinum Choice Auto (accident forgiveness, identity theft monitoring, and prestige rental coverage) 
    • Free lock replacement
    • Free repair for a deployed airbag 
    • No depreciation for totaled vehicle replacement 
    • Lost wage reimbursement for court appearances 
    • $1,000 for bail bonds

    Discounts Available

    • Policy bundling 
    • Loyalty 
    • Claims-free 
    • Multi-vehicle 
    • Homeowner 
    • Family 
    • AutoPay 
    • Pay in full 
    • Paperless billing 
    • Vehicle discounts (anti-theft device, passive restraint, electronic stability, forward collision warning, adaptive headlight) 
    • Defensive driving training 
    • Good student 
    • Driving training 
    • Student away at school

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

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Amica:

    Plymouth Rock Auto Insurance

    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.
    • 4 Reviews Score
    • $414.75 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.
    • 808** 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 
    • Medical payments coverage 
    • Limited collision 
    • Substitute transportation (rental car or other substitute transportation)
    • Towing and labor 
    • Replacement cost coverage 
    • Original equipment manufacturer

    Discounts Available

    • Motor club member 
    • Homeowner discount 
    • Multi-policy discount 
    • Multi-car discount 
    • Student away at school
    • Paid in full discount 

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

    ** J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Geico

    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
    • $641.26 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 
    • Roadside assistance 
    • Rental car reimbursement 
    • Mechanical breakdown coverage
    • Medical coverage 
    • Uninsured motorist coverage 
    • Collision coverage 
    • Comprehensive coverage

    Discounts Available

    • Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights) 
    • New vehicle 
    • Good driver 
    • Seat belt use 
    • Defensive driving course 
    • Driver education course 
    • Good student
    • Emergency deployment 
    • Federal employee 
    • Employee membership 
    • Military 
    • Multi-vehicle
    • Multi-policy

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

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Geico:

    Allstate

    Best for wide coverage

    Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need.
    • 4 Reviews Score
    • $577.97 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.
    • 807** 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

    • Collision coverage 
    • Comprehensive coverage 
    • Liability coverage 
    • Medical payments coverage 
    • Personal injury protection 
    • Personal umbrella policy 
    • Rental reimbursement coverage 
    • Roadside coverage 
    • Sound system insurance
    • Uninsured and underinsured motorist coverage

    Discounts Available

    • Anti-lock brake discount 
    • Anti-theft device discount 
    • Automatic withdrawal discount 
    • Early signing discount 
    • Full-pay discount 
    • Multi-policy discount 
    • New car discount 
    • Paperless discount 
    • Responsible payer discount 
    • Safe driver discount 
    • Smart student discount

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

    ** J.D. Power’s 2020 U.S. Auto Insurance Study rating for the New England region. Based on a 1,000-point scale.

    Further Reading on Allstate:

    The average cost of car insurance in Massachusetts

    Drivers in Massachusetts will find auto insurance to be inexpensive in the Bay State. According to Coverage.com, a full coverage auto insurance premium in this state is $1,399 per year. That is 11% less than the national average of $1,555. If you only want to have the state minimum, the average is $478 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*
    Citizens Insurance$371.98
    Plymouth Rock Assurance$414.75
    Safety Insurance$531.84

    * 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*
    Standard Fire Insurance $1,001.53
    Progressive$771.84
    NGM Insurance$755.45

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

    Top 3 Cheapest Cities for Car Insurance in Massachusetts

    CityAverage Annual Premium*
    Nantucket$406.31 
    Groton$417.36
    Pepperell$418.71

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

    Top 3 Most Expensive Cities for Car Insurance in Massachusetts

    CityAverage Annual Premium*
    Cambridge$608.71
    Wareham$608.60
    North Easton$608.04

    * 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 don’t need to worry about paying expensive premiums. Drivers in this state are responsible, with 93% of them being insured, according to a study made by SmartAsset. 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.

    Key things to know about car insurance in Massachusetts

    • You are required to list all licensed drivers in your household and any person who occasionally drives your car. Some providers allow you to add the other drivers as “deferred operators” at no additional charge.
    • Massachusetts is one of the few states that prohibit requesting credit information when issuing or renewing auto insurance.
    • Massachusetts drivers ranked as the best in the nation in 2020.

    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 and even depends on if there is a no-fault law or not within that area. In the state of Massachusetts, you are required to have comprehensive liability coverage as the minimum. 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 per person / $40,000 per accident bodily injury liability coverage
    • $20,000 per person / $40,000 per accident uninsured motorist bodily injury coverage
    • $8,000 personal injury protection
    • $5,000 for property damage

    Massachusetts’s No-Fault Law

    Massachusetts is one of 12 states in the country using a no-fault car insurance system. Which means that it does not matter who caused the crash car, your auto insurer will pay for your property damages, medical expenses and any other fees outlined in your policy up to your policy limits. 

    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

    Nina Rodríguez-Quirós

    Nina Rodríguez-Quirós Feature Writer

    Nina Rodríguez-Quirós is a feature writer for Reviews.com. Over the last year, she has covered insurance providers, claims handling, coverage and more. She has been featured in Allconnect.com and holds a Master’s Degree in Theory and Research of Communications from the University of Puerto Rico. Her favorite review is Millennials and Auto Insurance.

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