Plymouth Rock ranks as the best car insurance company in Massachusetts, earning a MoneyGeek score of 4.75 out of 5 for its strong customer service, affordable rates and comprehensive coverage options. Since insurance needs vary by driver, we also recommend considering Amica, Norfolk & Dedham Insurance, Safety Insurance and GEICO.
Best Car Insurance in Massachusetts
Updated: August 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
Plymouth Rock is Massachusetts' best overall car insurance provider for its superior affordability and good customer service reputation.
Safety offers the best car insurance in Massachusetts for drivers with bad credit and low income, while Plymouth Rock dominates most other driver categories.
To get the best car insurance in Massachusetts, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Best Car Insurance Companies in Massachusetts
| Plymouth Rock | 4.75 | $53 | 3 | 1 |
| Amica | 4.69 | $60 | 1 | 7 |
| Norfolk & Dedham Insurance | 4.42 | $61 | 5 | 4 |
| Safety Insurance | 4.38 | $60 | 10 | 2 |
| GEICO | 4.22 | $60 | 7 | 8 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Massachusetts by Driver Profile
Plymouth Rock leads in seven out of ten categories for Massachusetts drivers. Safety Insurance stands out for bad credit and low-income drivers, offering the most affordable coverage for these specific groups.
| Young Drivers | Plymouth Rock | 1 | 3 | 1 |
| Adult Drivers | Plymouth Rock | 1 | 3 | 1 |
| Senior Drivers | Amica | 7 | 1 | 7 |
| Drivers With an Accident | Plymouth Rock | 2 | 3 | 1 |
| Drivers With a DUI | Plymouth Rock | 1 | 3 | 1 |
| Drivers With A Speeding Ticket | Amica | 3 | 1 | 7 |
| Drivers With Bad Credit | Safety Insurance | 1 | 8 | 2 |
| Drivers With Low Income | Safety Insurance | 1 | 8 | 2 |
| Drivers With Newer Cars | Plymouth Rock | 1 | 3 | 1 |
| Drivers With Old Cars | Plymouth Rock | 1 | 3 | 1 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Massachusetts Car Insurance Recommendations
Our general recommendations offer a starting point, but your unique profile might need different coverage options. Compare these five Massachusetts providers to find insurance that matches your specific needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Plymouth Rock | 4.65 | $145 | 3 | 1 |
| Safety Insurance | 4.53 | $128 | 8 | 2 |
| GEICO | 4.02 | $184 | 5 | 7 |
| Amica | 4.00 | $310 | 1 | 6 |
| Progressive | 3.75 | $283 | 4 | 3 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Massachusetts Car Insurance Reviews
See detailed service breakdowns for our top insurance companies in each category below.
Plymouth Rock Insurance
Best Cheap Overall in Massachusetts
MoneyGeek Rating
4.7/ of 5
5/5Affordability
4.2/5Customer Experience
5/5Coverage Options
Average Monthly Full Coverage Cost
$83For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$23For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
SmartSense Program
Amica
Best Customer Experience in Massachusetts
MoneyGeek Rating
4.7/ of 5
4.8/5Affordability
5/5Customer Experience
3.3/5Coverage Options
Average Monthly Full Coverage Cost
$84For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$35For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
N/AAggregated across all captive and independent agentsMost Unique Coverage Add-on
StreetSmart Rewards Program
How to Find the Best Car Insurance in Massachusetts
Finding the right car insurance in Massachusetts isn't easy. This guide will help you choose coverage that fits your needs and budget.
- 1
Decide on Coverage Needs Before You Buy
Know what coverage you need. Consider your driving habits, location and finances when deciding the level of auto insurance you need while meeting Massachusetts required minimums.
- 2
Research Average Costs and Discounts
To make informed decisions, research average car insurance costs in Massachusetts as a baseline for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs, and good student discounts. Taking a defensive driving program can also lead to additional savings.
- 3
Evaluate Provider Reputation and Coverage Options
Review provider coverage options and add-ons, and look at customer reviews.
- 4
Explore Alternative Coverage Options
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. These alternatives might provide better value depending on your driving habits.
- 5
Compare Multiple Quotes
Shopping around helps you find the cheapest option possible. Get quotes through various channels including independent agents, direct from providers, and online comparison tools since rates can vary significantly between these sources.
- 6
Review Coverage Annually
Review your coverage and shop for new quotes each year to find the best deal.
Best Massachusetts Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Plymouth Rock is the top-rated company overall, while Amica and Norfolk & Dedham Insurance are also good options for drivers in Massachusetts.
Best Auto Insurance in Massachusetts: FAQ
Finding the right car insurance depends on your unique needs, so we'll answer common questions to help you choose coverage that works for you.
What is the best car insurance company in Massachusetts?
Plymouth Rock leads Massachusetts auto insurance providers, with a MoneyGeek score of 4.7 out of 5 and an average monthly premium of $83 for full coverage.
What is the best car insurance company for minimum coverage in Massachusetts?
Plymouth Rock leads for minimum coverage in Massachusetts with an average rate of $274 per year.
What is the best car insurance in Massachusetts for young drivers?
Plymouth Rock stands out as the top choice for young adults in Massachusetts, offering competitive rates at $47 monthly for minimum coverage and strong customer service ratings.
What is the best car insurance for Massachusetts drivers who value customer service?
Amica ranks highest for customer experience in Massachusetts with a 5 out of 5 rating. The company excels in all service aspects, from their streamlined buying process to responsive claims handling and digital tools.
What is the best car insurance in Massachusetts if you have driving offenses?
Amica stands out as the leading insurance provider for Massachusetts motorists with traffic violations, namely speeding, offering monthly rates of $43 for minimum coverage and $100 for full coverage policies.
How We Rated the Best Car Insurance in Massachusetts
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Massachusetts. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Massachusetts. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Massachusetts-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.