Finding the top car insurance in Massachusetts comes down to your individual circumstances — your driving record, where you live, and the type of coverage you're after. After examining rates and policies across the state, it's clear that no single insurer is the best fit for everyone. The ideal choice varies depending on factors like your age, driving history, location, and coverage level.
Best Car Insurance in Massachusetts for 2026
Updated: June 1, 2026
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Our Experience Reviewing Massachusetts's Top Car Insurers
Amica: Best Overall in Massachusetts
Amica earns a 4.8/5 MoneyGeek score and is the strongest all-around choice for Massachusetts drivers who want reliable claims handling and long-term value. Its J.D. Power 2025 score of 735 is the highest among the top five, which matters most when you actually need to file a claim — Amica customers report smoother experiences than those of nearly every competitor in the state. Full coverage averages $112/month, below the Massachusetts state average, and its dividend policy can return up to 20% of annual premiums to eligible policyholders, effectively lowering your annual cost over time. The tradeoff: Amica's online quote tool and digital experience lag behind GEICO and Progressive, so it's a better fit for drivers who don't mind picking up the phone.
Travelers: Best for Coverage Depth
Travelers is the strongest pick for Massachusetts drivers who want to customize their policy beyond the basics. Its coverage score ranks highest among the top five, and its add-on lineup — new car replacement, gap coverage, accident forgiveness — addresses real gaps that standard policies leave open. If you're financing a car or own a newer vehicle, gap coverage alone can protect you from owing more than your car is worth after a total loss. Full coverage averages $108/month, about 10% below the Massachusetts state average, so the extra coverage options don't necessarily mean a higher bill. Where Travelers falls short is claims satisfaction: its J.D. Power 2025 score of 622 trails Amica's 735, so drivers who expect frequent insurer contact may find the experience frustrating.
Progressive: Best for Drivers With Violations
Progressive is the most practical option for Massachusetts drivers who've had an OUI conviction or at-fault accident and are now facing elevated premiums. Most carriers treat violations as long-term pricing penalties; Progressive's rates for those profiles more consistently undercut other top-five carriers in Massachusetts, which can translate to real savings during the years a violation stays on your record. Full coverage averages $115/month for standard profiles, and the Snapshot telematics program can lower that further if you drive infrequently. The caveat: Progressive's claims experience scores below Amica and Travelers on J.D. Power 2025, so the tradeoff for lower premiums is a less consistent customer service experience.
GEICO: Cheapest Full Coverage in Massachusetts
GEICO is the right call for Massachusetts drivers whose main priority is keeping monthly costs low without sacrificing a recognizable, financially stable insurer. At $98/month for full coverage, it's the most affordable option among the top five. Its mobile app and digital tools are among the strongest available, which is useful if you prefer managing your policy without calling an agent. The limitation is coverage customization: GEICO's Massachusetts-specific add-on set is narrower than Travelers' or Amica's, so if you want specialty options like new car replacement or gap insurance, you'll likely need to look elsewhere.
State Farm: Best for Young Drivers
State Farm is the most practical choice for Massachusetts parents adding a teenager or young adult to their policy, or for drivers under 25 shopping on their own. Young drivers typically face the steepest premiums in the state; State Farm's rates for those profiles are the most competitive among the top five, and its Steer Clear program offers additional discounts for drivers under 25 who complete a short training module. Full coverage for standard profiles averages $118/month. Its J.D. Power 2025 score of 634 sits above the region average, so claims service is adequate but not a differentiator. Drivers looking for gap insurance or new car replacement should note that State Farm's add-on set is narrower than Travelers'.
Best Car Insurance Companies in Massachusetts: Scores and Methodology
Amica | 4.80/5 | #2 | #1 | #2 |
Travelers | 4.65/5 | #3 | #3 | #1 |
Progressive | 4.45/5 | #4 | #4 | #3 |
GEICO | 4.35/5 | #1 | #2 | #4 |
State Farm | 4.25/5 | #5 | #5 | #5 |
Why You Can Trust MoneyGeek's Massachusetts Ratings
MoneyGeek evaluated 12 insurance companies in Massachusetts, including national carriers and Massachusetts regional insurers. Rankings combine rate analysis, customer feedback and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60% of total score): Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with a clean record and no prior claims. Because Massachusetts prohibits credit-based pricing under MGL Chapter 175 Section 4E, rates do not vary by credit score in this dataset. Quotes covered full coverage with 100/300/100 bodily injury liability, $100,000 property damage coverage and uninsured motorist coverage matching state minimums or higher. Rates reflect Massachusetts's most recently filed and approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless and good-driver. Quotes are based on published carrier filings, not individual quote forms.
Customer experience (30% of total score): Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10% of total score): Coverage scoring measures each provider's range of coverage types and Massachusetts-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist coverage, medical payments coverage / PIP, comprehensive coverage, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
Rates and rankings on this page reflect a 40-year-old male driver with a clean record. Because Massachusetts prohibits credit-based pricing under MGL Chapter 175 Section 4E, credit score is not a rating variable in this dataset. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Massachusetts's mandatory 25/50/30 liability limits plus the state-mandated $8,000 PIP, without comprehensive or collision.
USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Massachusetts:
- Amica (4.80/5) and Travelers (4.65/5) are close in composite score, but Amica leads on customer experience with a 735 J.D. Power score while Travelers leads on coverage depth with the broadest add-on set among the top five.
- Progressive (4.45/5) and GEICO (4.35/5) are separated by one-tenth of a point, but GEICO wins on affordability with the lowest full coverage rate at $98/month while Progressive wins for drivers with violations or OUI records.
- Travelers (4.65/5) and Progressive (4.45/5) share strong coverage scores, but Travelers ranks first on coverage options while Progressive ranks third, reflecting a wider gap in specialty add-on availability than the composite score suggests.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN MASSACHUSETTS
Massachusetts is the only no-fault state in New England, meaning your own insurance pays your medical bills after an accident regardless of who caused it. Every policy must include $8,000 in personal injury protection, covering medical costs and 75% of lost wages — useful, but not much buffer if an injury keeps you out of work for more than a few weeks.
The state raised its minimum liability limits for the first time since 1988 as of July 1, 2025: you now need at least $25,000 per person and $50,000 per accident in bodily injury coverage, plus $30,000 for property damage. Insurers also cannot use your credit score to set your rate here, which helps drivers whose credit doesn't reflect their actual driving history.
Where you live matters, too: Boston drivers pay noticeably more than those in Western Massachusetts due to higher claim frequency, not anything specific to their driving record.
Best Massachusetts Car Insurance Company Ratings
Amica
Best Overall in Massachusetts
MoneyGeek Rating
4.8/ 5
4.8/5Affordability
4.8/5Customer Experience
4.8/5Coverage Options
Average Monthly Full Coverage Rate
$112Average Monthly Minimum Coverage Rate
$58J.D. Power Auto Insurance Study Score
735 (above region average)
Travelers
Best for Coverage Depth
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.7/5Coverage Options
Average Monthly Full Coverage Rate
$108Average Monthly Minimum Coverage Rate
$55J.D. Power Auto Insurance Study Score
622 (below region average)
Progressive
Best for Drivers With Violations
MoneyGeek Rating
4.5/ 5
4.5/5Affordability
4.5/5Customer Experience
4.5/5Coverage Options
Average Monthly Full Coverage Rate
$115Average Monthly Minimum Coverage Rate
$60J.D. Power Auto Insurance Study Score
582 (below region average)
GEICO
Cheapest Full Coverage in Massachusetts
MoneyGeek Rating
4.3/ 5
4.4/5Affordability
4.4/5Customer Experience
4.4/5Coverage Options
Average Monthly Full Coverage Rate
$98Average Monthly Minimum Coverage Rate
$49J.D. Power Auto Insurance Study Score
639 (above region average)
State Farm
Best for Young Drivers
MoneyGeek Rating
4.3/ 5
4.3/5Affordability
4.3/5Customer Experience
4.3/5Coverage Options
Average Monthly Full Coverage Rate
$118Average Monthly Minimum Coverage Rate
$62J.D. Power Auto Insurance Study Score
634 (above region average)
Rates at Massachusetts's Best Car Insurance Companies
Massachusetts rates are shaped by three overlapping factors: the mandatory $8,000 PIP layer that raises baseline costs above most other states, the density and claim frequency of Greater Boston and other urban markets, and carrier-by-carrier underwriting differences in how each company prices Massachusetts risk. The Massachusetts state average for full coverage runs $120/month and $61/month for minimum coverage. The national average for full coverage is $167/month. All five top-ranked carriers in Massachusetts come in below the national average.
$112 | $58 | 7% below | |
$108 | $55 | 10% below | |
$115 | $60 | 4% below | |
$98 | $49 | 18% below | |
$118 | $62 | 2% below | |
Massachusetts State Average | $120 | $61 | — |
National Average | $167 | $85 | — |
Massachusetts's full coverage state average of $120/month is $47 below the national average of $167. Greater Boston and other dense urban markets drive rates higher than Western Massachusetts, where claim frequency and theft exposure are lower. Use the Massachusetts car insurance calculator to estimate where your specific profile and ZIP code land in that spread.
Coverage Options at Massachusetts's Best Car Insurance Companies
Massachusetts requires every driver to carry four types of coverage at minimum. Your policy must include $8,000 in PIP coverage, which pays your medical bills and 75% of lost wages after an accident regardless of who caused it. You also need at least $25,000 per person and $50,000 per accident in bodily injury liability — protection for others if you're at fault — plus $30,000 in property damage liability and matching uninsured motorist coverage in case the other driver carries nothing. Underinsured motorist coverage, which protects you when the at-fault driver's policy isn't enough to cover your costs, is optional but worth considering. The matrix below shows which add-on coverages each top-rated Massachusetts carrier offers.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | ✓ | ✓ | ✓ | — |
New car replacement | ✓ | ✓ | — | — | — |
Rideshare coverage | — | ✓ | ✓ | — | ✓ |
Gap insurance | — | ✓ | ✓ | — | — |
Custom parts coverage | — | ✓ | ✓ | — | — |
Coverage total | 10/13 | 13/13 | 12/13 | 9/13 | 9/13 |
Comprehensive coverage is worth considering if you're in Greater Boston, Cambridge, or Worcester, where vehicle theft and vandalism rates run higher than in the rest of the state. All five top-ranked carriers offer it as a standard add-on with no Massachusetts-specific restrictions. Collision coverage is important if you're financing or leasing your vehicle — without it, you're on the hook for repair costs even when you're not at fault.
Massachusetts requires uninsured motorist bodily injury coverage on every policy, and the state's 7.9% uninsured driver rate is one of the lowest in the country, which limits your exposure somewhat. Underinsured motorist coverage is optional, but the risk hasn't disappeared: many drivers are still carrying the old minimum limits, and $25,000 per person doesn't go far if an accident causes serious injury. Medical payments coverage is worth adding if your medical costs could realistically exceed the mandatory $8,000 PIP threshold.
Among the top five carriers, Travelers offers the most distinctive add-on: new car replacement coverage, which pays to replace a totaled vehicle with a brand-new model of the same make for cars in their first five model years. It's the only top-five carrier offering both new car replacement and gap insurance, making it the strongest fit for drivers financing a newer vehicle in a market where dense urban driving raises total-loss risk.
How to Use These Rankings to Find Your Best Massachusetts Carrier
The right Massachusetts carrier depends on which factor matters most to you: price, claims experience, coverage depth or your specific driver profile.
If price is your top priority:
GEICO is the cheapest carrier among the top five in Massachusetts, with full coverage averaging $98/month and minimum coverage at $49/month, 18% below the Massachusetts state average for full coverage. For a full breakdown of low-cost options, see the cheapest Massachusetts car insurance breakdown.
If you want the best Massachusetts claims experience:
Amica posts the highest J.D. Power 2025 score among the top five at 735, 110 points above the 625 study average and 103 points above GEICO at 632, the second-ranked carrier on customer experience. In Massachusetts's no-fault environment, where PIP claims are routine, that claims-handling advantage is particularly meaningful.
If you want the best balance of price and coverage:
Amica combines the highest composite MoneyGeek score (4.80/5) with full coverage at $112/month and the broadest customer satisfaction record among the top five. Its dividend policy can reduce effective annual costs by up to 20% for eligible policyholders, making the price-to-quality ratio stronger than the quoted rate alone suggests.
If you have a young driver in your household:
State Farm offers the most competitive rates for drivers under 25 in Massachusetts through its Steer Clear program, which provides a discount upon completion of a supervised training module. Stacking an auto policy with a home policy sharpens the discount math. See the best home and auto bundle in Massachusetts.
If you have an OUI or violation on your record:
Progressive offers the most competitive rates in Massachusetts for drivers with OUI convictions among the top five. Massachusetts uses the term OUI (Operating Under the Influence). Massachusetts does not use SR-22. Drivers who cannot obtain voluntary coverage are placed in MAIP instead. DUI car insurance in Massachusetts explains MAIP placement and rates across more carriers.
If your ZIP code is in Greater Boston, Cambridge or Worcester:
Boston posts the highest car insurance rates in Massachusetts due to density and claim frequency. Cambridge rates are comparable to Boston given adjacent density. Worcester represents the Central Massachusetts reference point for lower urban costs. For city-specific breakdowns, see cheapest car insurance in Boston, cheapest car insurance in Cambridge and cheapest car insurance in Worcester.
Best Massachusetts Car Insurance: FAQ
What is the minimum car insurance required in Massachusetts?
Massachusetts requires 25/50/30 liability coverage effective July 1, 2025, meaning $25,000 per person and $50,000 per accident for bodily injury liability to others and $30,000 in property damage coverage, plus $8,000 in mandatory PIP and 25/50 uninsured motorist bodily injury coverage per MGL Chapter 90 Sections 34A and 34M. Underinsured motorist coverage is optional in Massachusetts, unlike in Connecticut and Maine. Massachusetts uses four compulsory coverage parts: Bodily Injury to Others, PIP, Bodily Injury Caused by Uninsured Auto and Damage to Someone Else's Property.
What happens if I drive without insurance in Massachusetts?
Driving without insurance in Massachusetts is a criminal offense under MGL Chapter 90 Section 34J, not a civil infraction. First-offense penalties include fines of $500 to $5,000, imprisonment up to one year and a 60-day license suspension. Per MGL Chapter 90 Section 34P, your registration is automatically revoked the moment your policy lapses because insurers electronically notify the Registry of Motor Vehicles at cancellation. Reinstatement after MAIP placement requires a fee equal to the greater of $500 or one year's compulsory premium at the highest risk factors.
Why is Massachusetts a no-fault state?
Massachusetts has operated under a no-fault system since 1971 under MGL Chapter 90 Section 34M, making it one of only 12 no-fault states nationally and the only one in New England. Every Massachusetts policy carries $8,000 in PIP coverage, paying medical costs and 75% of lost wages regardless of fault for the driver, household members, passengers and pedestrians. The first $2,000 of medical expenses is paid by PIP before private health insurance. Bodily injury lawsuits are restricted by a tort threshold: medical bills must exceed $2,000, or the injury must involve permanent serious injury, disfigurement, fracture, loss of sight or hearing, or death.
Does Massachusetts really not use SR-22?
Correct. Massachusetts does not operate an SR-22 filing program. Proof of 25/50/30 coverage is already required as a condition of vehicle registration, and insurers electronically notify the Registry of Motor Vehicles at policy lapse under MGL Chapter 90 Section 34P, triggering automatic registration revocation. Drivers who can't get voluntary coverage are placed in the Massachusetts Automobile Insurance Plan (MAIP), administered by Commonwealth Automobile Reinsurers. Massachusetts drivers with out-of-state SR-22 obligations, for example from a prior out-of-state OUI, file the SR-22 in that state, not Massachusetts.
Why can't my credit score affect my Massachusetts auto insurance rate?
Per MGL Chapter 175 Section 4E, no insurer writing private passenger auto insurance in Massachusetts may use credit information or credit-based insurance scores in setting rates, underwriting or renewing policies. Massachusetts is one of only four states with this prohibition, alongside California, Hawaii and Michigan. Rate variation in Massachusetts is driven entirely by driving record, claims history, vehicle type, age and experience, garaging address, annual mileage and applicable discounts.
What changed in Massachusetts auto insurance on July 1, 2025?
Per Chapter 275 of the Acts of 2024 (House Bill H.5111), Massachusetts raised its compulsory minimums for the first time since 1988. Bodily injury to others rose to $25,000/$50,000 (from $20,000/$40,000), uninsured auto bodily injury rose to $25,000/$50,000 (from $20,000/$40,000) and property damage rose to $30,000 (from $5,000, a 500% increase). PIP remains unchanged at $8,000. Policies in force on July 1, 2025 had limits raised automatically at renewal. See Massachusetts car insurance requirements for the full current mandate detail.
Sources
- Insurance Information Institute (III). "Facts + Statistics: Uninsured motorists." Accessed June 2026.
- J.D. Power. "2025 U.S. Auto Insurance Study." Accessed June 2026.
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study." Accessed June 2026.
- MGL Chapter 90, Section 34A — Provisions of Owner's Policy of Liability Insurance. Accessed June 2026.
- MGL Chapter 90, Section 34M — Personal Injury Protection (No-Fault). Accessed June 2026.
- Massachusetts Division of Insurance. "Basic Auto Insurance." Accessed June 2026.
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.