- Best car insurance companies in Massachusetts: State Farm
- Cheapest car insurance companies in Massachusetts: State Farm
- 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 companies in Massachusetts: State Farm
State Farm is the best car insurance company in Massachusetts, based on an analysis by Insurance.com, with an overall rating of 3.5. Safety Insurance, Geico, Arbella Insurance, and Amica Mutual are some of 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++ | 829 | 0.7 | $689 | 3.5 |
| Safety Insurance | A | 814 | 0.31 | $1,517 | 3.15 |
| Geico | A++ | 836 | 0.91 | $1,269 | 3.09 |
| Arbella Insurance | A | 799 | 0.27 | $1,708 | 2.96 |
| Amica Mutual | A+ | 833 | 0.61 | $2,052 | 2.96 |
| Travelers | A++ | 782 | 0.49 | $2,274 | 2.88 |
| Plymouth Rock Assurance | A- | 795 | 0.45 | $1,409 | 2.83 |
| Progressive | A+ | 802 | 0.65 | $2,016 | 2.73 |
| Farmers | A | 821 | 0.8 | $1,966 | 2.59 |
| Allstate | A+ | 816 | 0.65 | $2,694 | 2.45 |
Cheapest car insurance companies in Massachusetts: State Farm
Based on a rate analysis by Insurance.com, State Farm offers the cheapest full coverage car insurance in Massachusetts, with average rates of $689 annually or $57 a month. Additionally, State Farm provides the cheapest liability car insurance and state minimum car insurance in Massachusetts, averaging $273 and $210 per year, respectively.
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 |
|---|---|---|---|
| State Farm | $210 | $273 | $689 |
| Geico | $453 | $559 | $1,269 |
| Plymouth Rock Assurance | $344 | $452 | $1,409 |
| USAA | $368 | $456 | $1,442 |
| Safety Insurance | $332 | $576 | $1,517 |
| Arbella Insurance | $617 | $799 | $1,708 |
| Farmers | $492 | $683 | $1,966 |
| Progressive | $789 | $888 | $2,016 |
| Amica Mutual | $627 | $785 | $2,052 |
| Travelers | $721 | $881 | $2,274 |
| Allstate | $678 | $865 | $2,694 |
*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 $1,726 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 $511.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Massachusetts
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 02119 | Roxbury | $253 |
| 02121 | Dorchester | $247 |
| 02120 | Roxbury Crossing | $242 |
| 02302 | Brockton | $241 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 13300 | Ashfield | $119 |
| 13440 | Erving | $119 |
| 13540 | Gill | $119 |
| 13600 | Northfield | $119 |
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 $511 annually or $43 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, State Farm provides the cheapest state minimum liability insurance, averaging $210 annually or $17 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 |
|---|---|---|
| State Farm | $210 | $17 |
| Safety Insurance | $332 | $28 |
| Plymouth Rock Assurance | $344 | $29 |
| USAA* | $368 | $31 |
| Geico | $453 | $38 |
| Farmers | $492 | $41 |
| Arbella Insurance | $617 | $51 |
| Amica Mutual | $637 | $53 |
| Allstate | $704 | $59 |
| Travelers | $721 | $60 |
| Progressive | $789 | $66 |
*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.
State Farm offers the cheapest car insurance for teen drivers in Massachusetts at $1,989 per year for a full coverage policy.
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, State Farm offers the cheapest full coverage auto insurance for adult and senior drivers at $689 per year and $523 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.
| State Farm | $2,198 | $183 |
| Geico | $4,474 | $373 |
| Travelers | $5,780 | $482 |
| USAA | $6,087 | $507 |
| Progressive | $9,484 | $790 |
| Allstate | $12,546 | $1,046 |
| Farmers | $12,834 | $1,070 |
*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, State Farm offers the cheapest car insurance rates for drivers with an accident, at $1,037 per year. However, the severity and frequency of the incidents will impact how much insurance rates increase.
State Farm also offers the cheapest auto insurance for drivers with a speeding ticket at $785per year.
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 |
|---|---|---|---|
| State Farm | $689 | $1,037 | $785 |
| Geico | $1,269 | $1,890 | $1,419 |
| USAA | $1,442 | $2,096 | $1,676 |
| Arbella Insurance | $1,708 | $1,937 | $1,708 |
| Safety Insurance | $1,517 | $2,604 | $1,889 |
| Farmers | $1,966 | $3,760 | $2,454 |
| Allstate | $2,694 | $4,439 | $2,694 |
| Progressive | $2,016 | $3,072 | $2,699 |
| Travelers | $2,274 | $3,546 | $3,285 |
*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
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim..
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
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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