Best Car Insurance in Massachusetts: If you’re looking for the best car insurance in Massachusetts, you’re in the right place.
Massachusetts drivers face unique challenges, from harsh winters to congested city traffic, which makes car insurance not just important but essential.
In this guide, we’ll walk you through everything you need to know about finding the best car insurance, getting free quotes, and ultimately saving money while staying protected.
Understanding Car Insurance Requirements in Massachusetts
Before diving into how to get the best car insurance, it’s important to understand the basics. Massachusetts has strict car insurance laws to ensure that all drivers are financially responsible in case of an accident.
State Minimum Coverage Requirements
Massachusetts requires all drivers to have at least the following minimum coverage:
- Bodily Injury to Others: $20,000 per person / $40,000 per accident
- Personal Injury Protection (PIP): $8,000
- Bodily Injury Caused by an Uninsured Motorist: $20,000 per person / $40,000 per accident
- Property Damage Liability: $5,000
The Concept of “No-Fault” Insurance
Massachusetts is a “no-fault” state, meaning that after an accident, each driver’s own insurance pays for their medical expenses, regardless of who caused the accident. This system makes Personal Injury Protection (PIP) coverage crucial in Massachusetts.
Types of Car Insurance Coverage in Massachusetts
There are different types of car insurance coverage you can consider, depending on your needs and budget.
Liability Coverage
This covers damages if you’re responsible for causing injury to another person or their property. It’s mandatory in Massachusetts and covers legal fees if you’re sued.
Personal Injury Protection (PIP)
PIP covers medical expenses for you and your passengers, no matter who is at fault in an accident. It also covers lost wages and other related expenses.
Uninsured and Underinsured Motorist Coverage
This protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
Collision Coverage
This is optional coverage that pays for repairs to your vehicle if it’s damaged in an accident, regardless of who’s at fault.
Comprehensive Coverage
Comprehensive coverage pays for damage to your car that’s not related to a collision, like theft, fire, or natural disasters. It’s usually paired with collision coverage for full protection.
Optional Coverages Available
Massachusetts insurers offer other optional coverages, like roadside assistance, rental car coverage, and gap insurance, which can be useful depending on your circumstances.
Factors that Affect Car Insurance Rates in Massachusetts
Insurance companies look at several factors when determining your rates. Understanding these can help you save on your premiums.
Age and Driving Experience
Young and inexperienced drivers tend to have higher premiums due to the increased risk of accidents.
Driving Record
A clean driving record with no accidents or tickets will generally result in lower premiums.
Type of Vehicle
The make and model of your vehicle affect insurance rates. Luxury or high-performance cars usually cost more to insure.
Location
Where you live in Massachusetts matters. If you’re in a city like Boston, where accidents are more frequent, your rates may be higher than in rural areas.
Credit Score
In Massachusetts, your credit score can affect your insurance rates. Drivers with good credit typically get better rates.
How to Get the Best Car Insurance Rates in Massachusetts
There are several strategies to get the best car insurance rates.
Compare Quotes from Multiple Providers
One of the easiest ways to find a good deal is to compare quotes from several insurance companies. Each company evaluates risk differently, so rates can vary significantly.
Look for Discounts and Bundles
Many insurers offer discounts for safe drivers, students, or people who bundle their car insurance with home or renter’s insurance.
Consider Higher Deductibles
Opting for a higher deductible can lower your monthly premium. Just make sure you can afford the out-of-pocket cost if you need to make a claim.
Keep a Clean Driving Record
Maintaining a clean driving record can help you qualify for lower rates and discounts over time.
Top Car Insurance Providers in Massachusetts
Some of the top car insurance companies in Massachusetts include:
- Geico: Known for affordable rates and a strong online presence.
- State Farm: Offers excellent customer service and a wide range of discounts.
- Liberty Mutual: Based in Massachusetts, Liberty Mutual offers a variety of coverage options.
- Progressive: Known for its competitive pricing and unique programs like Snapshot.
- Allstate: Offers a great mix of coverage options and helpful customer service.
What are the best car insurance companies in Massachusetts?
The competition in Massachusetts was tight, with several strong contenders, but we ultimately named State Farm the top car insurance provider in the state. This decision was based on a blend of consumer feedback, third-party ratings from JD Power, Trustpilot, and AM Best, as well as considerations like available discounts and coverage options. Below, we’ve outlined the pros and cons of State Farm, along with other highly rated insurers in Massachusetts.
Overall best car insurance company in Massachusetts— State Farm
State Farm earned the title of best overall car insurance in Massachusetts. We gave it the top spot thanks to its combination of affordable rates, extensive coverage options, and strong customer satisfaction, backed by trusted sources like J.D. Power. If you’re looking for a balance of value and reliability, State Farm ticks all the boxes.
Pros
- Competitive rates for all Massachusetts drivers
- High customer satisfaction scores from J.D. Power in the New England region
- Lower than average complaints for auto insurance according to the NAIC
Cons
- Rates may increase if you move to another state
- Less custom coverage options
Best car insurance in Massachusetts — honorable mentions
Though State Farm claimed the top spot, several other insurers performed impressively. Amica, in particular, is a great choice for drivers who value strong customer service reputations— it received the highest score for claims satisfaction from J.D. Power, and ranked admirably in The Zebra’s own Customer Satisfaction Survey. The table below highlights quotes from other excellent choices for Massachusetts car insurance companies.Best car insurance companies in MA — honorable mentions
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| Amica Mutual | $836 | $139 |
Cheap full coverage in Massachusetts
In Massachusetts, a full coverage auto insurance policy will run you about $800 for six months of coverage. Because of this reasonable rate, 73% of Zebra customers in Massachusetts chose full coverage policy quotes. Our data states that State Farm offers cheap rates in Massachusetts for full coverage.
Full coverage quotes in MA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $266 | $44 |
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| USAA | $772 | $129 |
| Amica Mutual | $836 | $139 |
| Progressive | $860 | $143 |
| Allstate | $1,250 | $208 |
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Massachusetts, a comprehensive insurance policy with a $500 deductible costs $800, 207% more than liability-only car insurance.
Cheap Liability Insurance in Massachusetts
Car insurance is mandatory in almost every state, including Massachusetts. If you choose the legal minimum coverage level in Massachusetts, expect to pay an average of $261 every six months. This expenditure is less expensive than the nationwide average by 29%. The cheapest car insurance company in Massachusetts for liability-only coverage is State Farm.
Liability insurance quotes in MA
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $266 | $44 |
| Plymouth Rock | $703 | $117 |
| GEICO | $732 | $122 |
| USAA | $772 | $129 |
| Amica Mutual | $836 | $139 |
| Progressive | $860 | $143 |
| Allstate | $1,250 | $208 |
Car insurance in popular Massachusetts cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Northfield, Massachusetts, and the most expensive in Roxbury, Massachusetts.
Have a look at the table below to see average car insurance costs in some of Massachusett’s biggest cities.
Auto insurance quotes in Massachusetts’ biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Springfield | $1,112 | $185 |
| Worcester | $1,055 | $176 |
| Boston | $990 | $165 |
| Lowell | $942 | $157 |
| Cambridge | $867 | $145 |
Car insurance price trends in Massachusetts
Massachusetts car insurance trends have remained relatively stable over the past five years, with annual increases never exceeding $75 since 2019. Notably, average premiums actually dropped by $65 in 2020 and by $31 in 2023. However, rates have started climbing again in the past year. These increases are likely driven by the rising number of high-end vehicles— which come with costly replacement parts— the state’s vulnerability to extreme weather, and the impact of Massachusetts’ no-fault insurance system.
Car insurance costs in Massachusetts since 2015
| Year | Avg. Annual Premium — Massachusetts | Yearly Change — Massachusetts |
|---|---|---|
| 2024 | $1,432 | $45 |
| 2023 | $1,387 | -$31 |
| 2022 | $1,418 | $72 |
| 2021 | $1,346 | $43 |
| 2020 | $1,303 | -$65 |
| 2019 | $1,368 | $41 |
| 2018 | $1,327 | -$469 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
Cheap auto insurance for teens and young drivers in Massachusetts
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Massachusetts, teen drivers pay especially high rates: $4,475 per year — that’s $321 less than the nationwide average and over twice as much as a typical Massachusetts driver.
Although teens face higher rates across the board, the best way to secure the most affordable option is to compare quotes from multiple companies.
Massachusetts car insurance for teens
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $795 | $132 |
| Plymouth Rock | $1,715 | $286 |
| USAA | $1,958 | $326 |
| GEICO | $2,046 | $341 |
| Amica Mutual | $2,447 | $408 |
| Progressive | $3,082 | $514 |
| Allstate | $4,575 | $762 |
Massachusetts auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $931 per year. According to our data, State Farm stands out as the best choice for customers with an accident on their record who are seeking affordable rates.
Best insurance companies in MA after an at-fault accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| State Farm | $416 | $69 |
| Plymouth Rock | $1,005 | $168 |
| GEICO | $1,056 | $176 |
| USAA | $1,101 | $184 |
| Progressive | $1,333 | $222 |
| Amica Mutual | $1,340 | $223 |
| Allstate | $2,062 | $344 |
Tip: Don’t forget about claims satisfaction
While we all hope to never use our insurance, having a smooth experience when needed is essential. In our Customer Satisfaction Survey, we measured the satisfaction of those who filed claims. AAA and USAA stood out, making each a strong contender for residents of Massachusetts.
In Massachusetts, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer’s pricing standards, and differing local insurance regulations and risks. That’s why tickets may have a different impact on insurance in your state compared to the national average.
Massachusetts auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| One Med/PIP claim | $1,599 | $0 |
| None | $1,599 | $0 |
| One comp claim | $1,644 | $45 |
| Two Med/PIP claims | $1,644 | $45 |
| Not-at-fault accident | $1,649 | $50 |
| Two comp claims | $1,706 | $107 |
| At-fault accident – less than $1000 | $1,765 | $166 |
| Driving without lights | $1,828 | $228 |
| Child safety restraint | $1,828 | $228 |
| Failure to wear a seat belt | $1,850 | $251 |
| Texting while driving | $1,976 | $377 |
| Cell phone violation | $1,976 | $377 |
| Speeding 6 – 10 MPH over limit | $1,987 | $387 |
| Speeding 11 – 15 MPH over limit | $1,988 | $388 |
| Speeding 16 – 20 MPH over limit | $1,988 | $388 |
| Speeding in school zone | $1,988 | $389 |
| Driving too slowly | $1,988 | $389 |
| Failure to yield | $1,995 | $396 |
| Failure to stop at a red light | $1,995 | $396 |
| Wrong way/wrong lane | $1,995 | $396 |
| Following too closely | $1,995 | $396 |
| Illegal turn | $1,996 | $397 |
| Improper passing | $1,996 | $397 |
| Speeding 21 – 25 MPH over limit | $2,003 | $404 |
| In 65 MPH zone | $2,003 | $404 |
| Operating a vehicle without permission | $2,015 | $416 |
| Passing school bus | $2,094 | $495 |
| At-fault accident – $1000-$2000 | $2,471 | $872 |
| Failure to show documents | $2,523 | $924 |
| At-fault accident – greater than $2000 | $2,530 | $931 |
| Driving with expired registration | $2,546 | $946 |
| Open container | $2,684 | $1,085 |
| Reckless driving | $2,907 | $1,307 |
| Refusal to submit to a chemical test | $2,968 | $1,368 |
| Driving with a suspended license | $3,078 | $1,478 |
| Racing | $3,078 | $1,479 |
| DUI | $3,095 | $1,495 |
| Leaving scene of an accident/hit and run | $3,135 | $1,536 |
How to Get a Free Car Insurance Quote
Getting a free car insurance quote is easier than ever. Most insurance companies offer online tools that let you enter your details and get a quote instantly.
Online Quote Tools
Many insurers have quote calculators on their websites. These tools allow you to get an estimate by entering basic information about your vehicle and driving history.
Speaking with Agents
Talking to an agent over the phone can help you get personalized advice and explore coverage options you might not have considered.
Using Mobile Apps
Some companies, like Progressive and Geico, offer mobile apps that allow you to get a quote, purchase coverage, and manage your policy all in one place.
Benefits of Getting Multiple Quotes
Getting multiple quotes can help you find the best deal, but it also allows you to customize your coverage based on what you really need.
Finding the Best Deal
Comparing quotes helps you see what different companies are offering and ensures you don’t overpay.
Customizing Coverage Options
You can adjust deductibles, coverage limits, and other features to tailor your insurance to your specific needs.
Saving Money Long-Term
Getting the right coverage at the right price can save you a lot of money over time, especially when it comes to avoiding unnecessary coverage.
FAQs about Car Insurance in Massachusetts
Is car insurance mandatory in Massachusetts?
Yes, Massachusetts law requires all drivers to carry a minimum level of car insurance, including coverage for Bodily Injury, Property Damage, and Personal Injury Protection (PIP).
What is the minimum car insurance requirement in Massachusetts?
The minimum coverage includes $20,000 per person and $40,000 per accident for bodily injury, $5,000 for property damage, and $8,000 for personal injury protection (PIP).
How can I lower my car insurance premium in Massachusetts?
You can lower your premium by maintaining a clean driving record, bundling policies, taking advantage of discounts, increasing your deductibles, or shopping around for better rates.
Does Massachusetts use a no-fault system?
Yes, Massachusetts follows a no-fault insurance system, meaning your insurance covers your injuries and damages regardless of who caused the accident.
What factors affect car insurance rates in Massachusetts?
Rates are influenced by factors such as your age, driving record, location, type of vehicle, and coverage levels.
Conclusion
In summary, car insurance in Massachusetts is not only a legal requirement but also an essential safeguard for your financial protection. Having the right coverage ensures that you are prepared for unexpected events like accidents or damages.
It’s crucial to shop for the best car insurance, as it allows you to balance comprehensive coverage with an affordable price. By doing so, you can protect yourself, your passengers, and your vehicle, all while staying within your budget.
Finding the best car insurance deal in Massachusetts gives you peace of mind and confidence on the road.
References
For further reading and to validate the information provided in this article, we recommend checking out the following reputable sources on car insurance in Massachusetts:
- Massachusetts Division of Insurance – Offers detailed guidelines on car insurance regulations in Massachusetts. Visit the official site.
- Consumer Financial Protection Bureau – Provides helpful insights on consumer rights and insurance policies. Read more here.
- Insurance Information Institute – A reliable resource for understanding car insurance options and coverage types. Explore more.
- Massachusetts Registry of Motor Vehicles (RMV) – For official requirements related to vehicle insurance in the state. Learn more.
These sources will help you make well-informed decisions about car insurance in Massachusetts.
