bestauto insuranceMassachusetts2022The Best Car Insurance in Massachusetts for 2022
The best insurance companies provide a good balance between customer satisfaction, financial stability and affordability. In Massachusetts, GEICO is ranked second for affordability, tied first for customer satisfaction and tied second for claims, making it the best auto insurance company in the state.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Last Updated: 5/13/2022
Advertising & Editorial Disclosure
By |
Mark Fitzpatrick
Quality Verified
MoneyGeek’s research shows that GEICO is the best car insurance company in Massachusetts; however, depending on your needs and interests, you might choose another company. The analysis of car insurance companies included looking at the cost of coverage, customer service and many other important factors.
For people looking to buy the most affordable car insurance plans, regardless of the quality of service, MoneyGeek’s analysis can help them find the cheapest car insurance companies in Massachusetts.
bestauto insuranceMassachusetts2022The Best Car Insurance in Massachusetts
Best Car Insurance Companies in Massachusetts: Overall
MoneyGeek has analyzed the best car insurance companies in Massachusetts by user satisfaction, average cost, stability and claims ratings.
The research shows that the top car insurance companies in Massachusetts, according to these factors, are:
- GEICO: MoneyGeek score of 4.5 out of 5
- Allstate: MoneyGeek score of 4.3 out of 5
USAA has a score of 4.8 out of 5. However, this company is excluded from the study because it’s only for military families.
The Top 5 Car Insurance Companies in Massachusetts
1
GEICO
Score:4.5
With an average annual cost of $800, GEICO tied first for customer satisfaction, tied second for claims and ranked second for affordability. GEICO offers mechanical breakdown insurance.
More About GEICO
With GEICO’s mechanical breakdown insurance (MBI), you get better coverage at a lower price than a dealer’s extended warranty. It’s available for new or leased cars which are less than 15 months old and have fewer than 15,000 miles. MBI covers all systems and parts, which is usually not included in a dealer’s warranty.
Read MoneyGeek's GEICO auto Insurance Review2
Allstate
Score:4.3
On average, Allstate costs $1,103 per year for an auto policy in Massachusetts. The company tied first for customer satisfaction and ranked first for claims, while it does not have a good affordability score. Allstate offers custom parts coverage to its customers.
More About Allstate
Allstate offers custom parts coverage to its customers. If you have added any custom equipment to your car like special carpeting, bars, decals or graphics and you get into an accident, Allstate covers all of the losses to the equipment. The custom parts coverage is add-on coverage. Insurance companies rarely offer custom parts coverage.
Read MoneyGeek's Allstate auto Insurance Review3
MetLife
Score:4.1
With an average yearly cost of $851, MetLife is tied second for claims, tied third for customer satisfaction and has the third-highest affordability score. The company offers original equipment manufacturer (OEM) coverage.
More About MetLife
MetLife is now part of Farmers Insurance Group. It offers original equipment manufacturer (OEM) coverage, which covers the cost of factory-original parts used in eligible repairs in cars up to 10 years old. OEM is an add-on coverage, which means you can have this coverage added to your policy for an additional cost; its inclusion is not automatic.
Read MoneyGeek's MetLife auto Insurance Review4
Plymouth Rock Assurance
Score:3.9
Plymouth Rock Assurance in Massachusetts offers insurance policies at an average cost of $778 per year. It is tied third for customer satisfaction and claims and has the highest affordability score. The company offers original equipment manufacturer (OEM) coverage.
More About Plymouth Rock Assurance
With Plymouth Rock Assurance, you can get original equipment manufacturer (OEM) coverage. OEM coverage lets you replace your auto parts with manufacturer parts in the case of damage in a covered loss, and their repair is impossible. It is an add-on coverage that insurance providers rarely offer.
Read MoneyGeek's Plymouth Rock Assurance auto Insurance Review5
Progressive
Score:3.6
The car insurance policies that Progressive offers in Massachusetts cost an average of $1,363 per year. Progressive has the second-highest score for customer satisfaction, is tied third for claims and has a poor affordability score. The company offers custom parts coverage to its customers.
More About Progressive
Progressive offers custom parts and equipment coverage (CPE), covering up to $5,000 in loss or damages of any after-market accessory in your car like the stereo, navigation system, or custom wheels. Any accessory that the original manufacturer warranty does not cover, CPE does. It is an add-on coverage, and inclusion in your auto policy is not automatic.
Read MoneyGeek's Progressive auto Insurance ReviewHOW WE DETERMINED THE BEST INSURANCE IN MASSACHUSETTS
MoneyGeek analyzed full coverage policy quotes for a sample driver across various providers and collected claims ratings and user satisfaction data from J.D. Power and the NAIC to determine the best full coverage car insurance in Massachusetts. The average rates in the state can differ greatly depending on your driving background. For more information, read MoneyGeek’s methodology.
MoneyGeek's Massachusetts Car Insurance Resources:
Compare the Best Insurance Options in Massachusetts
While choosing the best car insurance policy in Massachusetts, you should consider its cost, quality of service and the financial stability of the company. You should also consider whether the company offers policies that completely fit your coverage needs and other requirements. MoneyGeek helps you compare and choose the best car insurance company in Massachusetts using in-depth reviews.
Car Insurance Comparison Tool
Massachusetts
Best Service
Choose Company...
VS.
Choose Company...
Best Car Insurance in Massachusetts for Customer Service
MoneyGeek analyzed the best car insurance companies in Massachusetts by claims ratings and user satisfaction rates — without considering the cost of their policies. Based on these factors, the best car insurance companies in the state for customer service are:
- Allstate: MoneyGeek score of 4.5 out of 5
- GEICO: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in Massachusetts for Service Quality
1
Allstate
Score:4.5
Allstate is tied first for customer satisfaction and claims settlement with a score of 4.5 out of 5. The company is a more expensive option; you pay more for better service.
More About Allstate
Allstate offers portable electronics and media coverage to its customers. It covers any loss or damage to tapes, compact discs, or any other item the car’s sound system uses. The coverage applies only when comprehensive coverage is in effect. It’s an add-on feature that a policy does not automatically include.
Read MoneyGeek's Allstate auto Insurance Review2
GEICO
Score:4.3
GEICO is tied first on the customer satisfaction rating with a score of 4.5 out of 5 and is tied second for claims settlement with a rating of 4 out of 5.
More About GEICO
With GEICO, you get rental car or travel reimbursement if your vehicle isn’t driveable for more than 24 hours in case of a covered accident. You can also add roadside assistance to your policy, which covers the cost of a flat tire, towing, jump-start and lockout services.
Read MoneyGeek's GEICO auto Insurance ReviewBest Car Insurance in Massachusetts for Drivers on a Budget
People looking for a cheap car insurance policy in Massachusetts with only the state’s minimum required liability coverage can secure the best rates using MoneyGeek’s scores. The basis for these scores is on companies that provide a balance between customer service and affordability.
The top insurance companies in Massachusetts for drivers on a budget are:
- Allstate: 4.3 out of 5
- GEICO: 4.3 out of 5
MoneyGeek’s Pick: Allstate
pros
Affordable average minimum coverage price of $518 per year
Young drivers on a budget in Massachusetts can get a discount on their policy by enrolling in a driver’s education course and if they have a good academic record.
MoneyGeek claims rating of 4.5
MoneyGeek satisfaction rating of 4.5
cons
Does not offer a discount for insuring multiple cars
Does not offer a discount for taking a defensive driving course
COMPANY HIGHLIGHTS
With Allstate, customers can save on insurance premiums by bundling their car insurance policy with home, condo, life or renters insurance. You can also get a discount if you have a clean driving record.
Allstate also offers a discount if you install an anti-theft device on your car and have anti-lock brakes (ABS). With these features, there is less risk for the insurance company, which lowers your car insurance expenses.
Best Car Insurance in Massachusetts for Poor Driving Records
MoneyGeek researched cheap car insurance companies in Massachusetts for people who have an at-fault accident on their record. Based on this research, the top insurance companies in the state are:
- GEICO: 4.5 out of 5
- Allstate: 4.3 out of 5
These scores are for car insurance companies that balance affordability and customer service after an accident.
MoneyGeek’s Pick: GEICO
pros
Cost of a full coverage policy with a bad driving record is $1,192 per year
Offers roadside assistance coverage, rental car or travel reimbursement and accident forgiveness
Claims rating score of 4 out of 5
Customer satisfaction score of 4.5 out of 5
cons
Does not offer new car replacement insurance, gap insurance, deductible modification, or better car replacement insurance discounts
COMPANY HIGHLIGHTS
GEICO offers the best car insurance policy for people with a bad driving record at $1,192 per year and has a user satisfaction rating of 4.5 out of 5 and a claims rating of 4 out of 5.
The company offers the following coverages in case of an accident:
- Roadside assistance: If your vehicle breaks down on the road, it covers the cost of services like towing, changing a flat tire, or jump-starting a dead battery.
- Rental reimbursement: It helps pay for transportation charges when your vehicle is being repaired after a covered accident.
- Accident forgiveness: With this coverage, your car insurance premium will not increase in an isolated case of an accident.
Best Car Insurance in Massachusetts for a Military Background
MoneyGeek research shows that USAA is the best car insurance company in Massachusetts for veterans and people with a military background. With a yearly cost of $928 for a full coverage auto policy and $390 for the state minimum, USAA has a score of 4.8 out of 5. USAA has the best full coverage car insurance in Massachusetts.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy of $928 per year
Rideshare insurance
New vehicle discount
User satisfaction score of 5 out of 5
Claims rating score of 5 out of 5
cons
Only available for military families
COMPANY HIGHLIGHTS
USAA provides some of the cheapest car insurance policies for military families in the country, and the company has a good reputation among its customers. It offers the following discounts and coverages in Massachusetts:
- Rideshare insurance: Coverage for people who need insurance for rideshare employment.
- Roadside assistance: Covers the cost of assistance if your car breaks down on the road.
- Bundling discount: You save on your premium if you bundle different types of insurance policies together.
- Multiple car discount: If you get insurance coverage for multiple cars through USAA, you are eligible for a discount.
Best Car Insurance in Massachusetts for Young Drivers and Students
MoneyGeek researched the best insurance companies in Massachusetts for young drivers and students and scored these companies according to cost and customer service.
Based on these factors, the top auto insurance companies in Massachusetts for young drivers and students are:
- GEICO: 4.1 out of 5
- Allstate: 4.1 out of 5
These scores balance affordability and customer service for young drivers and students.
MoneyGeek’s Pick: GEICO
pros
Cheapest company for a young driver at $2,416 per year on their parent’s policy
User satisfaction rating of 4.5 out of 5
Claims rating of 4 out of 5
Offers good student discount
Offers driver’s education course discount
cons
Does not offer a distant student discount
COMPANY HIGHLIGHTS
Adding a young driver to an insurance policy can be expensive; however, GEICO does it in an affordable way while maintaining good, quality service. Good customer service can be very beneficial for young drivers or students as it makes the process of filing a claim easier.
Families with young drivers can greatly benefit from the discounts offered by the company. For example, students can get a discount if they have good academic scores or take a driver’s education class.
Best Car Insurance in Massachusetts for Those With New Cars
MoneyGeek analyzed and scored the top car insurance companies in Massachusetts that offer new car replacement coverage. With this coverage, policyholders can get reimbursement for the same make and model if their car is totaled in an accident. If the insurer offers better car replacement coverage, the company pays for a more recent model of the totaled car. New car replacement coverage is an add-on option and not automatically included in an auto policy.
MoneyGeek’s scores show that Allstate is the best option for new car replacement coverage in Massachusetts, with a score of 4.3 out of 5.
MoneyGeek’s Pick: Allstate
pros
Affordable policies costing an average of $1,103 per year
User satisfaction rating of 4.5 out of 5
Claims rating of 4.5 out of 5
Offers better car replacement feature
cons
Low affordability score
COMPANY HIGHLIGHTS
For first-time drivers or new drivers, Allstate is a good option as it offers new car replacement. Since a vehicle loses a lot of value after purchase, this feature is beneficial if you are a new, inexperienced driver since it allows you to get reimbursement for the value loss if you get into a total-loss accident.
With Allstate’s new car replacement coverage, you can get your car replaced by a new model in case of an accident. However, your car must be two model years old or less.
Best Car Insurance in Massachusetts for Low-Mileage Drivers
Many insurance companies in the U.S. have introduced pay-per-mile coverage for drivers, which means your policy cost depends on the number of miles you drive. In Massachusetts, Allstate Milewise® is the highest-ranked pay-per-mile program.
MoneyGeek’s Pick: Allstate
pros
Offers affordable rates for people who don’t drive much
User satisfaction rating of 4.5 out of 5
Claims ratings of 4.5 out of 5
cons
Expensive for people who drive more
COMPANY HIGHLIGHTS
Allstate offers a simple pay-per-mile program — you pay a daily base rate and a per-mile rate when you drive.
How to Find the Best Car Insurance in Massachusetts in For You
While looking for the best insurance company in Massachusetts, choose a company with a good balance between cost, financial stability and service reputation. MoneyGeek has collected this information for you; however, you can compare quotes to find the best policy that meets your specific needs.
1
Research Customer Service Reputations in Massachusetts
In this guide, MoneyGeek has collected car insurance quotes across different companies for a sample driver. However, you can also look up J.D. Power satisfaction scores and NAIC complaint ratios in Massachusetts for insurers you want to research further. For more information, the best resource is the Massachusetts Division of Insurance website.
2
Compare Quotes for Yourself
MoneyGeek’s quotes are averages for a sample driver for most of the locations in Massachusetts. However, these quotes are not for the entire state. You should compare quotes from at least three insurance providers by yourself to get a good idea of how much insurance costs.
3
Make Sure the Company Has Coverages You Want in Massachusetts
Insurance companies often advertise that they offer certain coverages or discounts. However, sometimes, those offers aren’t available in every state. You should confirm with Massachusetts insurance companies that they offer the coverage or discount you want.
4
Double-Check Financial Stability Ratings
You should always check the financial strength rating of an insurer. While large insurance companies are generally financially stronger, regional insurance companies in Massachusetts may have lower ratings, which will lead to non-processing of your claims or other poor customer service features.
FAQs About the Best Car Insurance in Massachusetts
For you, the best insurance company in Massachusetts is the one that fits your needs. The following frequently asked questions about the top car insurance companies in Massachusetts will help you make a better decision.
Methodology
The information on car insurance costs in Massachusetts was collected in collaboration with Quadrant Information Services. These costs are for the driver and policy described on MoneyGeek’s methodology page unless noted otherwise.
MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or their quote tools.
About the Author
