Best car insurance companies in Massachusetts

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    Article Highlights

    For drivers looking for the best car insurance in Massachusetts, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Massachusetts and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Massachusetts.

    The average Massachusetts driver pays $1,399 per year for insurance, which breaks down to about $116 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Massachusetts and may not reflect your actual premium quote.

    Massachusetts Quickfacts

    • Cheapest carrier for full coverage in Massachusetts is Safety: $919
    • Cheapest carrier for minimum coverage in Massachusetts is The Hanover: $273
    • Carrier with highest customer satisfaction in Massachusetts: Amica
    • Number of uninsured drivers in Massachusetts: 6.2%
    • Massachusetts is on the lower end for car insurance rates

    Average cost of car insurance in Massachusetts

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,399$1,757$2,176
    Minimum coverage$478$598$777

    Quadrant data services, 2020

    Best car insurance companies in Massachusetts

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$1,514$466
    GEICO$1,179$543
    Progressive$1,510$586
    Travelers$2,216$777
    Amica$1,501$422
    The Hanover$1,575$273
    MetLife$1,273$415
    Vermont Mutual$1,217$393
    Arbella$1,596$492
    Main Street America Group$1,413$557

    Quadrant data services, 2020

    Car insurance rates in Massachusetts by city

    City Full coverage annual rate Minimum coverage annual rate
    Boston$1,633$518
    Worcester$1,684$572
    Springfield$1,817$709
    Cambridge$1,358$470
    Lowell$1,485$551

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

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