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Best car insurance in Massachusetts for 2024

Updated Nov 01, 2024
Bankrate’s research pinpointed Geico, Amica, Progressive and Allstate as some of the best car insurance companies in Massachusetts.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance companies in Massachusetts

Geico, Amica, Progressive and Allstate offer some of the best car insurance in Massachusetts, according to Bankrate’s extensive research. In our search for the best car insurance companies, we obtained quoted premium information from Quadrant Information Services for the state’s largest companies by market share. We also analyzed each company’s coverage options, discounts and policy features. We combined this information with third-party rankings from J.D. Power for customer service and AM Best for financial strength.

Based on our research, we assigned a Bankrate Score to each company on a scale of 0.0 to 5.0. The higher the Bankrate Score, the better that company ranked across these categories.

It can be helpful to compare rates to the state averages when considering car insurance companies. On average, full coverage in Massachusetts costs $1,828 per year while minimum coverage costs an average of $481 per year. If you are searching for the best auto insurance in Massachusetts, these companies may be worth your consideration:

4.6
Rating: 4.6 stars out of 5
$2,158
$501
4.4
Rating: 4.4 stars out of 5
$1,526
$462
4.4
Rating: 4.4 stars out of 5
$1,992
$762
4.0
Rating: 4 stars out of 5
$2,234
$627
3.9
Rating: 3.9 stars out of 5
$2,045
$679

Amica

Amica

4.6

Rating: 4.6 stars out of 5

Avg. full coverage premium

$180/mo

Avg. full coverage premium

$2,158/yr

Customer satisfaction

709/1,000

Geico

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$127/mo

Avg. full coverage premium

$1,526/yr

Customer satisfaction

638/1,000

Progressive

Progressive

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$166/mo

Avg. full coverage premium

$1,992/yr

Customer satisfaction

620/1,000

Arbella

Arbella

4

Rating: 4 stars out of 5

Avg. full coverage premium

$186/mo

Avg. full coverage premium

$2,234/yr

Customer satisfaction

617/1,000

Allstate

Allstate

3.9

Rating: 3.9 stars out of 5

Avg. full coverage premium

$170/mo

Avg. full coverage premium

$2,045/yr

Customer satisfaction

646/1,000

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How Bankrate chose the best car insurance companies in Massachusetts

In order to determine the best car insurance companies in Massachusetts, Bankrate analyzed average premium data from Quadrant Information Services, along with other factors, like third-party ratings, coverage options and discount opportunities. We used these and other factors to issue each provider a Bankrate Score with a maximum of 5.0 to help you assess what the best car insurance options are for you.

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Why you can trust Bankrate

Read our full methodology

To help Massachusetts drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How to find the best car insurance in Massachusetts

Every car insurance policy is not created equally, and the best car insurance provider for you will depend on highly unique factors. Beyond the state you live in, the cost of your coverage will depend on everything from the car you drive to your driving record. Each Massachusetts car insurance company offers coverage options, discounts and add-ons that might make them more appealing to certain drivers. With these differences in mind, the following considerations may help you find the best car insurance in MA for your needs.

New

What’s new in Massachusetts?

In early 2023, Massachusetts State Senator Pavel Payano introduced bill S703, which aims to reduce racial and socioeconomic inequities in car insurance pricing. If it is made into law, the bill would ban auto insurers in Massachusetts from placing heavy emphasis on your ZIP code when determining your rate, in the hopes that it will bring more affordable rates to drivers in urban areas. To be specific, the bill would alter each insurer’s rating algorithm to give no more than 75 percent weight to a driver’s ZIP code and 25 percent weight to the Massachusetts average. Unfortunately, as of early 2024, the bill is still in limbo.

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

How much is car insurance in Massachusetts?

The average cost of car insurance in Massachusetts is $1,828 annually for full coverage and $481 for minimum coverage. Massachusetts averages are significantly lower than the national average premiums, which are $2,458 annually for full coverage and $678 for minimum coverage. For comparison, average rates for full coverage in the nearby states of Vermont and New York are $1,412 and $3,846 per year, respectively.

Studying car insurance rates by state can be useful for planning and comparison. However, the factors that impact your car insurance are specific to you, so your individual rates will likely be different than these averages. In Massachusetts, your driving history, the make and model of the car you drive and the coverage types you choose will all affect the rate you pay.

Unlike many other states where gender plays a part in insurance quotes, Massachusetts does not permit carriers to use gender as a rating factor when determining your car insurance premium. Likewise, car insurance companies in MA are not allowed to consider factors like income, credit rating, education or homeownership. Insurers can only consider age in the rating process if a driver is 65 years of age or older.

However, insurers can use your years of driving experience, so younger drivers will likely still see increased premiums. Beyond personal variables, where you live — both state and ZIP code — can also play a significant role in your rates. Areas with higher costs for car repair, higher incidences of theft or vandalism or lots of traffic congestion may have higher rates.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Massachusetts

To help you better gauge your insurance costs, Bankrate created the calculator below. Once you enter a few pieces of basic information, you can see a rough estimate of what your car insurance policy will cost you.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

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Why we're asking
Methodology

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:

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40 year old
Single male and female driver
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2022 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

These are sample rates and should only be used for comparative purposes. 



Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute