Our editorial team analyzed regional and national auto insurance companies that sell policies in Massachusetts to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Massachusetts drivers looking for car insurance may be overwhelmed by the huge number of insurance options available.
To help you determine the best car insurance options in Massachusetts, Insurify analyzed 50 car insurance companies in the Bay State. Here’s how you can find the best Massachusetts car insurance policy for your needs.
Best car insurance companies in Massachusetts
The best auto insurance company won’t be the same for every driver. Not only does every driver have different priorities and needs when it comes to their auto insurance coverage, but each insurer may also use different factors to determine annual rates. These factors may include things like your driving history, marital status, ZIP code, vehicle, coverage level, and credit history.1
Comparing quotes from several different insurance companies is the best way to make sure you find the right coverage for your needs at the price you can afford. The following five insurers may be a good place to start your comparison shopping, as they’re among the best car insurance companies in Massachusetts.
Travelers: Best overall
Liberty Mutual: Best for bundling
Midvale Home & Auto: Best for discounts
Safeco: Best for accident-free drivers
GEICO: Best for drivers with an incident
How to get the best car insurance in Massachusetts
Finding the best car insurance in Massachusetts may take a little homework, but following these strategies can help you pinpoint the right coverage for your needs at a price that fits your budget.
Average cost of car insurance in Massachusetts
The average rate for car insurance in Massachusetts is $94 per month for liability coverage and $141 per month for full-coverage insurance. This is similar to the national average of $103 per month for liability coverage and $182 per month for full-coverage insurance.
Commonwealth drivers should remember that average car insurance rates have increased in recent years, increasing 30% in Massachusetts in 2024, according to an Insurify auto insurance report. The same report anticipates a 1% increase in auto insurance costs in 2025 in the Bay State.
Best car insurance in Massachusetts FAQs
The answers to the following common questions about car insurance in Massachusetts can help you find the right policy for your needs.
How much is car insurance in Massachusetts?
The average rate for car insurance in Massachusetts is $94 per month for liability coverage and $141 per month for full-coverage insurance, according to Insurify data.
What are the best car insurance companies in Massachusetts?
The best insurance company will vary from one Bay State driver to another, depending on coverage needs and driver history. But Massachusetts drivers may want to check out Travelers Insurance, Liberty Mutual, Midvale Home & Auto, Safeco, and GEICO since these five companies are among the best insurers in the state.
What is the required auto insurance coverage amount in Massachusetts?
As a no-fault state, the Commonwealth of Massachusetts requires drivers to carry personal injury protection (PIP) and uninsured/underinsured motorist coverage in addition to bodily injury and property damage liability coverage. The specific minimum car insurance requirements for Massachusetts drivers are outlined below:
Bodily injury liability: $20,000 per person/$40,000 per accident
Property damage liability: $5,000 per accident
Personal injury protection: $8,000 per accident
Uninsured/underinsured motorist bodily injury: $20,000 per person/$40,000 per accident
)
)
)
){kind=small}
){kind=small}
){kind=small}
){kind=small}