While Massachusetts has beautiful scenery and fascinating history, its drivers deal with some of the worst traffic in the nation. The Bay State also has a very high cost of living, ranking third highest in the country, and unfortunately, that means the cost of car insurance is higher than in other states, too.
- Key takeaways
- Best car insurance companies in Massachusetts
- USAA: Highest customer satisfaction
- GEICO: Best for senior drivers
- Amica Mutual: Best for coverage options
- State Farm: Most affordable coverage
- Allstate: Best for new cars
- Massachusetts auto insurance requirements
- How to choose a car insurance provider in Massachusetts
- How much does car insurance cost in Massachusetts?
- Massachusetts car insurance rates by city
- FAQs about car insurance costs in Massachusetts
- The best car insurance in Massachusetts is State Farm, which costs $714 per year for comprehensive coverage.
- Drivers with a clean driving record pay an average of $129 per month in Massachusetts.
- High-risk drivers in Massachusetts pay an average of $1,800 a year for full coverage insurance.
Best car insurance companies in Massachusetts
The average cost of full coverage insurance in Massachusetts is $1,550, but drivers who use State Farm could pay less than half that amount. Comparatively, drivers who use Travelers could wind up paying significantly more.
|J.D. Power customer satisfaction rating
|Estimated annual full coverage
|Estimated annual minimum liability coverage
USAA: Highest customer satisfaction
USAA earned the highest customer satisfaction score in Massachusetts, earning 896 out of 1,000. It is also the state’s second most affordable carrier for full and minimum coverage insurance. However, it costs more than State Farm, and its policies are only available to current or former military members and their families.
- USAA has the second most affordable coverage in Massachusetts
- It offers a military on-base discount that can help you save 15%
- Some competitors have more coverage and discount options
- USAA policies are not available to everyone
GEICO: Best for senior drivers
Bay Staters who use GEICO pay an average of $1,125 yearly for full coverage and $507 for minimum coverage. But, while GEICO may be a more expensive option than some competitors, it has senior-specific discounts and programs that could help people over 50 save money.
- GEICO offers a guaranteed renewal program for people over 50 called Prime Time
- It had the second-highest customer satisfaction scores in Massachusetts
- Drivers may find lower average costs with a competitor
- It has only a few agents in Massachusetts
Amica Mutual: Best for coverage options
Although Amica is only the third cheapest full converge option on our list, it may offer the coverage you want. Like some of its competitors, Amica has a long list of insurance policies and discounts, but it’s also a mutual insurance company that allows customers to choose between traditional and dividend policies. While this might cost more upfront, it could help you save money in the long run.
- It has multiple policies, including full glass replacement and prestige rental coverage
- It earned relatively high customer satisfaction scores
- Amica’s competitors had lower-cost options in Massachusetts
- Amica does not have insurance agents; it is just online and over the phone
State Farm: Most affordable coverage
State Farm is the lowest-cost option on our list for full and minimum coverage in Massachusetts. Its customers pay an average of $714 yearly for full coverage and $323 for the state’s minimum coverage. However, even though State Farm had the most affordable prices, it earned fourth place in customer satisfaction and is currently not accepting new customers in the state.
- State Farm had the most affordable full and minimum coverage in Massachusetts
- It has many coverage options if you are an existing State Farm customer
- State Farm had lower customer service ratings in Massachusetts than many of its competitors
- It does not have agents in Massachusetts and does not actively market new business
Allstate: Best for new cars
Allstate’s gap policies can help you avoid paying for your new car if it’s stolen or totaled in an accident. However, its coverage is generally more expensive than its competitors ($1,649 for full and $518 for minimum), and it is more costly than the state’s full coverage average of $1,550.
- Allstate offers multiple policy options, including classic car coverage
- It has multiple agents throughout the state
- Allstate has one of the lowest customer service scores in Massachusetts
- It has some of the highest pricing compared to its competitors
Massachusetts auto insurance requirements
Like most states in the U.S., Massachusetts requires drivers to carry a minimum amount of insurance to drive legally. The minimum limits in Massachusetts are:
- Bodily injury liability: $20,000 per person and $40,000 per accident
- Personal injury protection (PIP): $8,000 per person per accident
- Bodily injury liability caused by an uninsured car: $20,000 per person and $40,000 per accident
- Property damage to someone else’s property: $5,000 per accident
How to choose a car insurance provider in Massachusetts
If you’re looking for a new insurance provider, consider the following:
- Get multiple quotes: Request multiple quotes from different carriers to help you ensure you’re getting the best price and coverage. Before signing up, confirm with the agent or company that you are getting all the discounts you qualify for.
- Confirm its license: Check with the Massachusetts Division of Insurance or the National Association of Insurance Commissioners (NAIC) to determine which companies are licensed in Massachusetts. Read up on the number of customer complaints received compared to the number of policies it issued to get an accurate view of how a company handles claims.
- Look for financial stability: Before you sign up, research a company’s financial strength to gain insight into its ability to pay claims. To understand their financial capabilities, look for financial ratings on websites like A.M. Best or Standard & Poor’s.
How much does car insurance cost in Massachusetts?
The average cost of car insurance in Massachusetts for full coverage insurance is $1,550. Minimum coverage costs an average of $617 annually, compared to the national average of $1,582.
Brockton residents pay the most for full coverage car insurance, a whopping average of $2,811 yearly. On average, Cambridge drivers spend $1,615 annually, the cheapest on our list.
Massachusetts car insurance rates by city
Many factors affect the amount you pay for car insurance, but the population of the city you live in, along with the crime rate and your driving record, can significantly impact your cost.
Lowell residents, for example, pay $1,681 on average for car insurance, and the town has a population of 113,994. Springfield, about 90 minutes south of Lowell, averages $2,054 a year on average and has a population of 154,789.
|Avg. annual full-coverage premium
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in Massachusetts
What are the minimum car insurance coverage requirements in Massachusetts?
The minimum limits in Massachusetts are $20,000 per person, $40,000 per accident in bodily injury liability coverage, and $8,000 per person per accident in personal injury protection.
Drivers must also carry $20,000 per person, $40,000 per accident in bodily injury liability caused by an uninsured vehicle, and $5,000 per accident in property damage to someone else’s property.
How much does car insurance cost in Massachusetts?
Car insurance in Massachusetts costs an average of $1,550 for full coverage insurance and $617 for minimum insurance.
Which car insurance companies cover Massachusetts?
Many nationally known companies offer insurance in Massachusetts, including GEICO, USAA, State Farm, Allstate, Amica, and Progressive.
What is the cheapest car insurance company in Massachusetts?
Massachusetts's cheapest car insurance company is State Farm, at $714 a year for full coverage and $323 for minimum coverage. However, State Farm is currently not accepting new customers in Massachusetts.