Car insurance is a legal requirement in Massachusetts for drivers to be financially protected. The average cost of Massachusetts car insurance is $1,223 per year for a full coverage policy, and $510 for a minimum coverage policy, based on Review’s study of 2021 rates from Bankrate.com. For comparison, the average annual premium in the United States is $1,674 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
- 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
| Average Price for Minimum Coverage* | Average Price for Full Coverage* | 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 | $418 | $1,398 | A+ | 867 | |
| Pin Plymouth Rock Assurance | $339 | $959 | A- | 804 | |
| Pin Geico | $526 | $1,026 | A++ | 841 | |
| Pin Allstate | $484 | $1,312 | A+ | 810 |
Information accurate as of September 2021
*Data provided by Bankrate.com, minimum rates based on state-minimum required coverage
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the New England region. Based on a 1,000-point scale.
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)
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
*Data provided by Bankrate.com
** 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 less expensive on average compared to the national average. According to 2021 data from Bankrate.com, a full coverage auto insurance premium in this state is $1,223 per year. For just the minimum coverage required by the state, the average is $510 per year. Nationally, car insurance costs $1,674 per year for full coverage and $565 per year for minimum coverage.
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, 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 or gender to set your car insurance rates.
Top 3 Cheapest Car Insurance Companies in Massachusetts
| Company | Average Annual Minimum Coverage Premium* |
| State Farm | $306 |
| Plymouth Rock | $339 |
| Safety | $377 |
* Data provided by Bankrate.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Massachusetts
| Company | Average Annual Minimum Coverage Premium* |
| Travelers | $910 |
| Progressive | $799 |
| Main Street America | $576 |
* Data provided by Bankrate.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 may be a wise consideration, 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 May 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 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)
Massachusetts Car Insurance FAQ
Methodology
Reviews.com reviews products, services and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Massachusetts, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
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.
