- Best car insurance company in Massachusetts: State Farm
- Cheapest car insurance company in Massachusetts: Plymouth Rock Assurance
- Average cost of car insurance in Massachusetts
- Massachusetts car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Massachusetts
- Cheapest car insurance cost in Massachusetts by age
- Cheapest car insurance companies in Massachusetts by driver profile
- Compare auto insurance rates by city in Massachusetts
- Car insurance premium trends in Massachusetts
- Methodology
- Compare Massachusetts car insurance rates with other states
Best car insurance company in Massachusetts: State Farm
State Farm is the best car insurance company in Massachusetts, based on our data analysis, with an overall rating of 4.33. Safety Insurance, GEICO, Amica and Arbella Insurance are also among the top car insurance companies in Massachusetts.
Below is a full list of the top Massachusetts auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| State Farm | A++ | 664 | 0.79 | $689 | 4.33 |
| Safety Insurance | A | 663 | 0 | $1,517 | 4.1 |
| GEICO | A++ | 638 | 0.69 | $1,269 | 3.91 |
| Amica | A+ | 709 | 0.75 | $2,052 | 3.9 |
| Arbella Insurance | A | 617 | 0 | $1,708 | 3.69 |
| Plymouth Rock Assurance | A- | 616 | 0.19 | $1,409 | 3.66 |
| Travelers | A++ | 623 | 0.52 | $2,274 | 3.38 |
| Progressive | A+ | 620 | 0.71 | $2,016 | 3.32 |
| Farmers | A | 600 | 0.86 | $1,966 | 3.06 |
| Allstate | A+ | 646 | 1.1 | $2,694 | 2.98 |
| USAA | A++ | 741 | 1.18 | $1,442 | 4.12 |
Cheapest car insurance company in Massachusetts: Plymouth Rock Assurance
Based on a rate analysis by Insurance.com, Plymouth Rock Assurance offers the cheapest full coverage car insurance in Massachusetts, with average rates of $1,719 annually or $143 a month.
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered car insurance quotes in Massachusetts from all the major providers and put together a list of the cheapest car insurance companies.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Plymouth Rock Assurance | $446 | $576 | $1,719 |
| GEICO | $446 | $643 | $1,817 |
| Safety Insurance | $380 | $690 | $2,189 |
| Progressive | $907 | $1,024 | $2,490 |
| Amica | $504 | $637 | $2,491 |
| Arbella Insurance | $724 | $933 | $2,807 |
| Farmers | $549 | $758 | $2,807 |
| Travelers | $897 | $1,115 | $2,962 |
| Allstate | $951 | $1,216 | $3,388 |
| USAA | $397 | $492 | $1,658 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Massachusetts
The average cost of car insurance in Massachusetts is $2,430 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Massachusetts is $621.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Massachusetts
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Woodville | $994 | $83 |
| Melrose | $994 | $83 |
| East Bridgewater | $989 | $82 |
| Norwood | $987 | $82 |
| Fairhaven | $985 | $82 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Brookline | $1,003 | $84 |
| Wareham | $1,004 | $84 |
| Babson Park | $1,004 | $84 |
| Cambridge | $1,007 | $84 |
| Brookline Village | $1,012 | $84 |
The Massachusetts Division of Insurance says...
An insurance company may use many different factors to determine your insurance rate. However, Massachusetts prohibits insurance companies from using factors such as: sex, marital status, race, creed, national origin, religion, age (except to provide the discount for persons who are 65 years or older), occupation, income, education and homeownership. Companies also may not use credit information contained on your consumer report that is obtained from a consumer reporting agency.
- The Massachusetts Division of InsuranceMassachusetts car insurance requirements
Massachusetts minimum car insurance coverage limits are 20/40/5. Massachusetts's state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $621 annually or $52 monthly.
Minimum liability insurance requirements for Massachusetts:
- Bodily injury liability (BI): $20,000 per person $40,000 per accident
- Property damage liability (PD): $5,000 per person
- Personal injury protection (PIP): $8,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $20,000 per person $40,000 per accident
Cheapest car insurance companies for minimum liability coverage in Massachusetts
According to Insurance.com, Plymouth Rock Assurance provides the cheapest state minimum liability insurance, averaging $576 annually or $48 monthly.
In the table below, see the most affordable car insurance companies with their state minimum coverage rates in Massachusetts.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| Plymouth Rock Assurance | $576 | $48 |
| Amica | $637 | $53 |
| GEICO | $643 | $54 |
| Safety Insurance | $690 | $57 |
| Farmers | $758 | $63 |
| Arbella Insurance | $933 | $78 |
| Progressive | $1,024 | $85 |
| Travelers | $1,115 | $93 |
| Allstate | $1,216 | $101 |
| USAA | $492 | $41 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Massachusetts by age
In Massachusetts, car insurance rates are higher for teenagers as they are more likely to have be involved in accidents.
GEICO offers the cheapest car insurance rates for a 16-year-old driver in Massachusetts at $5,899 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Massachusetts, GEICO offers the cheapest car insurance for a 25-year-old and a 65-year-old driver at $2,038 and $1,229 per year, respectively.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| GEICO | $5,899 | $492 |
| Plymouth Rock Assurance | $6,256 | $521 |
| USAA | $7,011 | $584 |
| Travelers | $8,585 | $715 |
| Amica | $9,492 | $791 |
| Arbella Insurance | $10,080 | $840 |
| Progressive | $10,235 | $853 |
| Allstate | $15,673 | $1,306 |
| Safety Insurance | $18,294 | $1,524 |
| Farmers | $19,870 | $1,656 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Massachusetts by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for auto insurance. In Massachusetts, GEICO offers the cheapest car insurance rates for drivers with an accident, at $2,707 per year. However, the severity and frequency of the incidents will impact how much insurance rates increase.
Below are average Massachusetts auto insurance rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Arbella Insurance | $2,807 | $3,183 | $0 |
| Allstate | $3,388 | $5,583 | $0 |
| GEICO | $1,817 | $2,707 | $2,033 |
| Safety Insurance | $2,189 | $3,756 | $2,725 |
| Progressive | $2,490 | $3,794 | $3,333 |
| Farmers | $2,807 | $5,368 | $3,503 |
| Travelers | $2,962 | $4,620 | $4,280 |
| USAA | $1,658 | $2,410 | $1,927 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Massachusetts
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Massachusetts will impact what you pay. Below, we've gathered Massachusetts car insurance rates by city for comparison.
Car insurance premium trends in Massachusetts
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Massachusetts to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Massachusetts car insurance rates with other states
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