The top five insurers in Massachusetts are Plymouth Rock, Amica, Norfolk & Dedham, Safety and GEICO. Four of the five are regional New England carriers; GEICO is the only national brand in the top five. Drivers used to comparing State Farm or Progressive will need to shop differently in Massachusetts. Plymouth Rock leads with a 4.75/5 MoneyGeek score and 14 add-ons. Amica wins for seniors and speeding ticket drivers with a 5/5 customer experience score. Safety wins for low-income drivers at $31 per month. Getting quotes from these carriers matters; the cheapest car insurance in Massachusetts comes from insurers most drivers outside New England have never heard of.
Best Car Insurance in Massachusetts for 2026
Updated: April 19, 2026
Advertising & Editorial Disclosure
Key Takeaways
Plymouth Rock earns Massachusetts's top MoneyGeek score at 4.75/5, a 5/5 affordability score, a 5/5 coverage score and 14 add-ons, the most of any insurer in this state series.
Massachusetts bans credit scoring in auto insurance, making it one of only three states to do so, so your driving record and location carry more weight in pricing than in most states.
Four of the five top-scoring insurers in Massachusetts are regional New England carriers, and GEICO is the only national brand in the top five. Comparing regional and national carriers is worth doing here.
HOW I DECIDED ON THE BEST CAR INSURANCE IN MASSACHUSETTS
Mark Fitzpatrick, Licensed Insurance Producer
I analyzed quotes from five Massachusetts insurers across every ZIP code in the state. Four of the top five are regional New England carriers, a direct result of Massachusetts's regulatory environment and insurer mix. The state bans credit scoring, operates a no-fault PIP system and requires UM/UIM coverage, which sets it apart from most states.
- Affordability is weighted at 60% because rate is the primary driver for most Massachusetts drivers.
- Customer experience accounts for 30%, based on J.D. Power scores, NAIC complaint ratios,and Google reviews specific to Massachusetts.
- Coverage options make up the remaining 10%, measuring add-on breadth available in Massachusetts.
Best Car Insurance Companies in Massachusetts
| Plymouth Rock Insurance | 4.74 | $53 | 3 | 1 |
| Amica | 4.69 | $60 | 1 | 7 |
| Norfolk & Dedham Insurance | 4.41 | $61 | 5 | 4 |
| Safety Insurance | 4.37 | $60 | 10 | 2 |
| Geico | 4.21 | $60 | 7 | 8 |
Best Overall and Best for Young Drivers or Those With a Violation
Plymouth Rock Insurance
Plymouth Rock earns the top composite score in my Massachusetts analysis with a 5.0 coverage score and the lowest rates I found across the widest range of driver profiles. At $22 per month for a clean-record adult, it's the lowest baseline in the New England states I analyzed. That rate applies to young drivers ($47 per month), DUI-affected drivers ($39 per month), accident-affected drivers ($38 per month) and old-car drivers ($20 per month). Plymouth Rock is a New England-based regional insurer with its heaviest distribution in Massachusetts and New Jersey, and that regional focus shows in how it prices risk for this market.
Plymouth Rock's 14 add-ons are the most of any insurer I analyzed in Massachusetts, and the breadth of its endorsement plans separates it from every other option in the state. Its Assurance Plus plan covers personal property, vehicle systems and a range of add-on coverages that most national carriers charge separately for, a structure I haven't seen replicated elsewhere in this analysis. On customer experience, Plymouth Rock ranks third among Massachusetts insurers, behind Amica. Its above-average regional ratings and reputation for responsive claims handling give it a strong service foundation, though Amica's J.D. Power standing is higher. Massachusetts prohibits insurers from using credit scores in rate-setting, so your credit history doesn't affect what you pay here.
- Affordability (60%): 5/5
- Customer Experience (30%): 4.2/5
- Coverage Options (10%): 5/5
Don't pick Plymouth Rock if customer experience is your top priority. Amica holds the highest customer experience score in Massachusetts, backed by its J.D. Power rankings and strong long-term policyholder reviews, at $35 per month for a clean-record adult.
Best for Senior Drivers or Those With a Speeding Ticket
Amica
Amica earns the highest customer experience score in my Massachusetts analysis, and the profiles it wins reflect exactly where that service quality matters most. Senior drivers and speeding ticket holders are the two groups most likely to have a claims interaction that tests an insurer's responsiveness, and Amica's record across J.D. Power rankings, Reddit sentiment and Trustpilot reviews is the strongest I found in Massachusetts. Reviewers consistently cite fair settlement offers and steady communication throughout the claims process.
On rates, Amica is competitive but not the cheapest. Its senior rate of $35 per month and speeding ticket rate of $43 per month are higher than Plymouth Rock's for the same profiles. Its five-add-on menu includes gap insurance and rideshare coverage, though it's narrower than Plymouth Rock's 14-add-on menu. For Massachusetts drivers who put claims experience above monthly rate, Amica is the clearest choice.
- Affordability (60%): 4.8/5
- Customer Experience (30%): 5/5
- Coverage Options (10%): 3.3/5
Don't pick Amica if coverage depth matters as much as service quality. Plymouth Rock's 14 add-ons, including its tiered endorsement plans, offer the broadest menu in Massachusetts, and its $22-per-month clean-record rate is $13 per month less than Amica's $35.
Best Cheap for Drivers With Bad Credit or Low Income
Safety Insurance
Safety is a Massachusetts-focused regional carrier that wins the bad-credit and low-income categories in my rate analysis. At $42 per month for a bad-credit driver and $31 per month for a low-income driver, it has the lowest rates I found in Massachusetts for both profiles. Massachusetts prohibits credit scoring in rate-setting, so the bad-credit category here reflects overall profile fit rather than a direct credit surcharge. Safety's pricing structure works well for these profiles in the state's regulatory environment.
Safety's 10-add-on menu is broader than most regional carriers; it includes accident forgiveness, a diminishing deductible, gap insurance and pet coverage, plus endorsements for bail bonds and personal property reimbursement. That coverage depth at a competitive rate is worth noting. The trade-off is customer experience: Safety ranks last among the Massachusetts insurers I analyzed. Its primarily regional reputation means limited national review volume, and the available data reflects mixed feedback. For bad-credit and low-income drivers whose main need is the lowest rate in the state, Safety delivers that clearly. For drivers who want both low rates and a strong service record, Plymouth Rock's $22-per-month clean-record rate is worth comparing directly.
- Affordability (60%): 4.8/5
- Customer Experience (30%): 3.5/5
- Coverage Options (10%): 4.8/5
Don't pick Safety if customer experience matters more than rate. It ranks last on customer experience among the Massachusetts insurers I analyzed. Plymouth Rock has both the lowest clean-record rate in the state and a stronger service record. Compare both before committing to Safety on rate alone.
WHAT IS MY VERDICT?
For most Massachusetts drivers, I'd recommend Plymouth Rock (a perfect affordability and coverage score, 14 add-ons, and $23 per month minimum coverage) as the strongest all-around pick in a state where regional carriers dominate and coverage depth genuinely differentiates the options. Amica is the right choice for seniors and anyone with a speeding ticket: its 5/5 customer experience score and competitive rate profile make it the strongest service-focused option in Massachusetts. Safetyis the pick for low-income drivers specifically: $31 per month minimum coverage is the lowest I found in Massachusetts for that profile, and 10 add-ons, including gap insurance, mean the coverage menu punches above its weight.
Best Car Insurance in Massachusetts by Driver Profile
Plymouth Rock wins or shares the top score for nearly every driver profile in Massachusetts, driven by the lowest rates in the state and the broadest coverage menu. Plymouth Rock leads adult drivers, young drivers, post-DUI and post-accident categories. Amica wins senior and speeding ticket profiles. Safetywins the low-income category. Massachusetts bans credit scoring, so no bad-credit row appears. Driving record and ZIP code are the primary pricing factors in this state.
Adult drivers (26 to 64), clean record | Plymouth Rock | $22 | $67 |
Low income | Safety | $31 | $71 |
Senior drivers (65+) | Amica | $35 | $91 |
After an at-fault accident | Plymouth Rock | $38 | $127 |
After a DUI | Plymouth Rock | $39 | $132 |
After a speeding ticket | Amica | $43 | $100 |
Young drivers (16 to 25) | Plymouth Rock | $47 | $124 |
Massachusetts bans credit scoring in auto insurance, making it one of only three states to do so, along with California and Hawaii. Your driving record and ZIP code carry more pricing weight in Massachusetts than in most states, where credit history is a standard rating factor.
Best Car Insurance in Massachusetts by City
Plymouth Rock leads the MoneyGeek score across all 10 of Massachusetts's most populous cities. The same 5.0 affordability and coverage scores that drive its state-level ranking carry through at the city level. Rate variation between Brockton ($64 per month) and New Bedford ($49 per month) reflects local traffic, theft and claims patterns. Boston and Cambridge both average $51 per month, a moderate rate relative to their population density.
Rates vary by ZIP code across Massachusetts. The state's no-fault PIP system and required uninsured/underinsured motorist (UM/UIM) coverage mean even city-level averages include a broader coverage baseline than most states, so direct comparisons to out-of-state rates should account for this difference.
How to Find the Best Car Insurance in Massachusetts
Massachusetts has one of the most unusual auto insurance markets in the country. Four of the top five insurers are regional New England carriers, and GEICO is the only national brand in the top five. The state bans credit scoring, and minimum coverage requirements include PIP and UM/UIM. Get quotes from regional carriers, confirm that each quote reflects Massachusetts's mandatory coverage baseline and compare add-on menus. Plymouth Rock's 14 add-ons are the broadest selection in the state.
- 1
Understand Massachusetts's coverage requirements
Massachusetts requires 20/40/5 liability coverage, plus $8,000 in Personal Injury Protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage. Massachusetts is a no-fault state: PIP covers your own medical expenses after an accident regardless of fault. The $5,000 property damage minimum is among the lowest in the country, and carrying higher limits protects against out-of-pocket costs after a serious collision. Among major insurers, Plymouth Rock offers the cheapest car insurance in Massachusetts at $23 per month for minimum coverage.
- 2
Know that Massachusetts bans credit scoring
Massachusetts is one of only three states, along with California and Hawaii, that prohibit auto insurers from using credit scores in rate-setting. Your driving record, annual mileage, vehicle type and ZIP code are the primary pricing factors. A clean driving record carries more influence on your Massachusetts rate than in most other states.
- 3
Compare regional carriers and national brands
Plymouth Rock, Amica, Norfolk & Dedham, Safety and GEICO are the top performers in Massachusetts. Four are regional New England carriers and GEICO is the only national brand in the top five. Getting quotes from regional carriers alongside national brands covers the full range of rates and coverage options in the state. For homeowners, a home and auto bundle in Massachusetts cuts the average total premium by 10% to 15%.
- 4
After a DUI, Plymouth Rock holds best rate
Car insurance after a DUI in Massachusetts is $39 per month with Plymouth Rock, a $16 increase from its $23 clean-record baseline. That's a smaller post-DUI jump than any other top-ranked Massachusetts insurer. After a DUI, Massachusetts drivers need an SR-22 filing.
- 5
Review coverage at renewal
Massachusetts's no-fault PIP system and required UM/UIM mean minimum coverage already provides more protection than in most states. At renewal, check whether your vehicle's current value still justifies comprehensive and collision coverage, and whether Plymouth Rock's Assurance endorsement plans or Safety Insurance's additional endorsements fit your situation. Drivers who need an SR-22 will find insurer rates and filing requirements in SR-22 insurance in Massachusetts.
Frequently Asked Questions
What is the cheapest car insurance in Massachusetts?
Plymouth Rock offers the cheapest minimum coverage in Massachusetts at $23 per month for a clean-record adult driver. For low-income drivers, Safety is the cheapest at $31 per month. After a DUI, Plymouth Rock again offers the lowest rate at $39 per month.
How much is car insurance in Massachusetts on average?
Massachusetts rates reflect a state requiring PIP and UM/UIM coverage on top of standard liability, but Plymouth Rock's regional pricing keeps rates competitive. The $23-per-month baseline minimum is among the lowest available from any insurer across all the states in this series.
Is Massachusetts a no-fault state?
Yes. Massachusetts is a no-fault state requiring $8,000 in Personal Injury Protection (PIP). PIP covers your own medical expenses after an accident regardless of fault. Massachusetts also requires uninsured/underinsured motorist (UM/UIM) coverage.
What car insurance is required in Massachusetts?
Massachusetts requires 20/40/5 liability coverage: $20,000 per person for bodily injury, $40,000 per accident and $5,000 for property damage. Massachusetts also requires $8,000 in Personal Injury Protection (PIP) and uninsured/underinsured motorist (UM/UIM) coverage.
Does Massachusetts allow insurers to use credit scores?
No. Massachusetts is one of only three states, along with California and Hawaii, that prohibit auto insurers from using credit scores in setting rates. Your driving record, vehicle type, annual mileage and ZIP code are the primary factors determining your rate.
Why are regional insurers better in Massachusetts?
Massachusetts's regulatory environment and insurer market have historically favored regional carriers that understand the state's no-fault system, weather patterns and driving conditions. Plymouth Rock, Amica, Norfolk & Dedham and Safety all outperform most national carriers on the MoneyGeek scoring model in Massachusetts. GEICO is the one national brand in the top five, ranked fifth with a 4.2/5 score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!