Best Car Insurance in Massachusetts

Plymouth Rock ranks as the best overall car insurance provider in Massachusetts and the best for young drivers or those with a violation. Plymouth Rock offers coverage beyond standard liability, collision and comprehensive insurance: pet injury protection for veterinary costs after accidents, custom parts and equipment coverage for vehicle modifications and loan/lease gap coverage to cover remaining debt after total loss. Plymouth Rock's Crashbusters mobile claims appraisers assess damage on-site. The Door to Door Valet Claims Service handles repairs and delivers rental cars to customers.

Plymouth Rock maintains a 4.2 out of 5 customer experience score. The company operates multiple offices across Massachusetts with support through phone, email and a mobile app. Customers manage policies, report claims, request roadside assistance and make payments 24/7 through digital platforms. Claims adjusters handle Massachusetts-specific issues like coastal damage and severe weather claims efficiently. Plymouth Rock's local expertise and shorter wait times earn positive customer feedback.

Plymouth Rock earns a 5.0 affordability score with the cheapest rates for young drivers at $47 monthly for minimum coverage and adults at $22 monthly. Plymouth Rock leads in affordability for drivers with accidents ($38 monthly), DUI violations ($39 monthly) and older vehicles ($20 monthly). Full coverage averages $124 monthly for young drivers and $67 for adults across different driver profiles and risk categories.

Read our review: Plymouth Rock Car Insurance Review

Amica ranks best for senior drivers and those with speeding tickets in Massachusetts. Senior drivers pay $35 monthly for minimum coverage and $91 for full coverage. Drivers with speeding tickets pay $43 monthly for minimum coverage and $100 for full coverage. Amica ranks second overall in Massachusetts with a 4.8 out of 5 affordability score.

Amica provides standard liability, collision and comprehensive insurance plus medical payments, personal injury protection and uninsured motorist coverage. Amica offers roadside assistance and rental reimbursement for covered losses. Amica's 3.3 out of 5 coverage score reflects fewer specialized options than competitors.

Amica earns a 5.0 out of 5 customer experience score, ranking first in Massachusetts. Amica processes claims quickly, often responding within hours, with 24/7 customer support through phone and a mobile app. Customers report claims, request roadside assistance and pay bills through the app. Amica provides dividend refunds of up to 20% of annual premiums and handles weather-related claims in Massachusetts.

Read our review: Amica Car Insurance Review

Safety ranks as the best and most affordable option for drivers with poor credit and low income in Massachusetts. Drivers with bad credit pay $42 monthly for minimum coverage and $96 for full coverage. Low-income drivers pay $31 monthly for minimum coverage and $71 for full coverage.

Safety earns a 4.8 out of 5 coverage score, ranking second overall for coverage quality in Massachusetts. Safety offers accident forgiveness, substitute transportation coverage, roadside assistance and glass coverage with no deductible. Safety Insurance provides customized parts and equipment coverage and weather-related protection for Massachusetts winters and coastal conditions.

Safety scores 3.5 out of 5 for customer experience, ranking 10th in Massachusetts. Safety provides 24/7 claims service and a mobile app for filing and tracking claims. Safety's Massachusetts expertise covers state-specific regulations and weather-related claims.

Read our review: Safety Car Insurance Review