The Best Car Insurance in Massachusetts
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.
Best Full Coverage Car Insurance Companies in Massachusetts: Overall
We identified GEICO as the best car insurance provider in Massachusetts.
The research also shows that the top car insurance companies in Massachusetts are:
- GEICO: MoneyGeek score of 90 out of 100 ($800 per year)
- Allstate: MoneyGeek score of 86 out of 100 ($1,103 per year)
MoneyGeek analyzed the best car insurance companies in Massachusetts by user satisfaction, average cost, stability and claims ratings. To help those looking to save money, MoneyGeek also researched the cheapest full coverage auto insurance in Massachusetts.
THE TOP CAR INSURANCE COMPANIES IN MASSACHUSETTS
GEICO tied first for customer satisfaction, tied second for claims and ranked second for affordability. GEICO offers mechanical breakdown insurance.
Average Annual Cost: $800
Policyholders with cars less than 15 months old and fewer than 15,000 miles on the odometer are eligible for GEICO's mechanical breakdown insurance (MBI). With this unique coverage, you’ll receive superior coverage at lower price than a standard extended warranty. The coverage, which is limited to GEICO, covers all components and systems. This insurance could lower your out-of-pocket costs for unanticipated auto repairs.
GEICO's accident forgiveness can be another useful add-on coverage. With this coverage, your rate won’t increase after your first at-fault accident. Drivers over the age of 21 who have been accident-free for at least five years may buy or earn accident forgiveness. To learn more about GEICO, you can read MoneyGeek's GEICO auto insurance review.
Allstate 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.
Average Annual Cost: $1,103
Allstate policyholders may purchase an add-on coverage for custom parts — a service rarely provided by other insurance companies. Any unique equipment that has been installed to your vehicle, such as extra carpets, bars, decals or graphics, will also be covered in the event of an accident.
The company's sound system coverage protects you against financial loss in the event that your permanently installed sound system is damaged. In most cases, it applies to the system's antennas as well as other components. To obtain this coverage, you need to have comprehensive insurance. Allstate's portable electronics and media coverage also covers damages to cassettes, CDs and similar items used with a vehicle sound system.
You can learn more about your coverage options with MoneyGeek's review of Allstate Auto Insurance.
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.
With Plymouth Rock Assurance, you can get original equipment manufacturer (OEM) coverage. OEM coverage lets you replace your auto parts with manufacturer parts if they’re damaged beyond repair in a covered loss. This is an add-on coverage rarely offered by insurance companies.
For further details, read MoneyGeek's Plymouth Rock Assurance Auto Insurance Review.
Car insurance policies offered by Progressive cost an average of $1,363 per year in Massachusetts. Progressive received the second-highest score for customer satisfaction and tied third for claims. However, the insurer received a poor affordability score. The company offers custom parts coverage to its customers.
Progressive offers custom parts and equipment coverage (CPE), covering up to $5,000 in losses or damages to your car’s after-market accessories, such as custom wheels, a stereo or a navigation system. Any accessory that the original manufacturer warranty does not cover, CPE does. Since it is an add-on coverage, it is not automatically included in your auto insurance policy..
Read MoneyGeek's Progressive Auto Insurance Review for more information.
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:
Best Car Insurance in Massachusetts for Customer Service
Allstate is the best car insurance company in Massachusetts for customer service. The top-two car insurance companies for customer service in Massachusetts are:
- Allstate: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 87 out of 100
To determine the winners in this category, we analyzed the best car insurance companies in Massachusetts by claims ratings and user satisfaction rates, without considering the cost of their policies.
THE TOP TWO CAR INSURANCE COMPANIES IN MASSACHUSETTS FOR SERVICE QUALITY
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. Customer service is an extremely important component, particularly when it comes to the claims-filing process.
Allstate offers a range of endorsements that can be added to the standard auto insurance policy. Its deductible modification reduces the cost of your deductible by $100 when you sign up for Allstate Deductible Rewards. You may also receive an extra discount of $100 each year, up to a maximum of $500, by driving responsibly. However, this add-on coverage is only available as part of a gold or platinum plan.
Allstate's gap insurance waives the difference between your main car insurance payout and the outstanding amount on your vehicle on the exact date of loss. However, this coverage may only be available through a lender. With Allstate’s rideshare insurance, Ride for Hire, you will remain covered while your app is active and you're waiting for a rideshare request.
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.
GEICO only offers a limited number of endorsements, the most notable of which are accident forgiveness and mechanical breakdown insurance.
In the event that a covered accident leaves your vehicle unusable for more than 24 hours, GEICO's rental car reimbursement coverage will pay up to the maximum amount included in your policy to cover the cost of a rental vehicle. If your vehicle is unreliable or plagued with mechanical issues, the rental car reimbursement coverage is a good option for you.
In addition, with the company’s roadside assistance add-on coverage, you’ll be reimbursed for the cost of a flat tire repair, vehicle tow, jumpstart or lockout services. Those that frequently travel may feel more at ease knowing they’ll be covered if any issues arise.
Best Car Insurance in Massachusetts for Minimum Coverage
For drivers looking to spend less on car insurance, MoneyGeek rated the best and cheap insurers meeting the state minimum insurance requirements of Massachusetts. Allstate is the best provider of cheap and best car insurance in Massachusetts.
The top insurance companies in Massachusetts for drivers on a budget are:
- Allstate: MoneyGeek score of 86 out of 100 ($518 per year for state minimum coverage)
- GEICO: MoneyGeek score of 85 out of 100 ($486 per year for state minimum coverage)
People looking for a cheap car insurance policy in Massachusetts that only includes the state’s minimum coverage can find the best providers using MoneyGeek’s scores. Scores were generated based on affordability and customer service.
MoneyGeek’s Pick: Allstate
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
Does not offer a discount for insuring multiple cars
Does not offer a discount for taking a defensive driving course
With Allstate, customers can save on insurance premiums through a variety of discounts offered by the insurer. By bundling their car insurance policy with home, condo, life or renters insurance, you can receive discounted premiums. Those with a clean driving record may also be eligible for its safe driving discount.
Security and safety features are also valued by Allstate — the company provides a discount if your vehicle has anti-lock brakes or an anti-theft device installed. These features reduce risk for the insurance provider, which decreases the cost of your auto insurance. The responsible payment discount offered by Allstate enables consumers who make timely payments to reduce their insurance costs.
Best Car Insurance in Massachusetts for Young Drivers and Students
GEICO also offers the best car insurance in Massachusetts for young drivers.
MoneyGeek picked the following insurers as the top auto insurance companies in Massachusetts for young drivers and students:
- GEICO: MoneyGeek score of 83 out of 100
- Allstate: MoneyGeek score of 83 out of 100
Insurance costs for young drivers and students might be extremely expensive. To help you save money, MoneyGeek also rated the companies offering the cheapest auto insurance for young drivers in Massachusetts. MoneyGeek’s rate analysis looked at students in Massachusetts that are in their late teens and early 20s.
MoneyGeek’s Pick: GEICO
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
Does not offer a distant student discount
Adding teenage drivers to a policy may significantly increase the cost of your vehicle insurance. GEICO, however, offers an affordable option that includes excellent customer service. Quality customer service can make submitting a claim less stressful. Younger, less experienced drivers are more likely to get into accidents and file claims. As such, a company with a great customer service record is very important for this age demographic.
Families with young drivers are also eligible for big discounts from GEICO. The student discount allows full-time students with strong academic records to save money. Drivers who successfully complete a driver's education or defensive driving course may also be eligible for premium discounts.
Best Car Insurance in Massachusetts for Seniors
MoneyGeek evaluated the top auto insurance providers for senior drivers in Massachusetts based on policy cost and customer service. In the state, the following companies are the highest-ranked insurers for seniors:
- State Farm: MoneyGeek score of 89 out of 100 ($453 per year)
- GEICO: MoneyGeek score of 88 out of 100 ($607 per year)
To assess company ratings for seniors, affordability and customer service were given equal weight. Other companies that provide the best and cheap car insurance for Massachusetts' seniors were also rated in this analysis.
MoneyGeek’s Pick: State Farm
Affordable rates for seniors at an average of $453 per year
Roadside assistance and rental car reimbursement are offered
MoneyGeek claims and user satisfaction ratings of 4 out of 5
Senior discounts not offered
Seniors often pay more for auto insurance, but State Farm offers a great balance of affordable rates and top-notch service. They can benefit from the company’s roadside assistance coverage if their vehicle gets a flat tire or they’re locked out. The service also covers gasoline delivery, battery or tire replacement, towing, locksmith work for up to an hour and mechanical work for up to an hour.
With State Farm’s rental car reimbursement coverage, senior drivers may be compensated for the cost of hiring a car if their vehicle is rendered unusable. It covers travel expenditures (lodging, food and transportation) up to $500, vehicle rental costs up to specified limits and deductible payback up to $500, if you cause an accident in your rented car. Seniors who successfully finish a defensive driving course can also qualify for further savings.
Best Car Insurance in Massachusetts for Bad Driving Records
Those in Massachusetts with a poor driving record can find the best car insurance with GEICO.
Based on our study, the top insurance companies in Massachusetts for those with poor driving records are:
- GEICO: MoneyGeek score of 91 out of 100 ($1,192 per year)
- Allstate: MoneyGeek score of 85 out of 100 ($1,802 per year)
MoneyGeek researched cheap car insurance companies in Massachusetts for people who have an at-fault accident on their record. We developed these scores based on affordability and customer service after an accident.
MoneyGeek also found the cheapest car insurance in Massachusetts for those with DUIs or poor driving histories and wishing to save money.
MoneyGeek’s Pick: GEICO
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
Does not offer new car replacement insurance, gap insurance, deductible modification, or better car replacement insurance discounts
GEICO has some of the best insurance policies and competitive premiums for drivers in Massachusetts who have a poor driving record. It 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 after your first at-fault accident.
Best Car Insurance in Massachusetts for a Military Background
According to a MoneyGeek study, USAA has the highest rating of 96 out of 100 among Massachusetts auto insurance providers for those with military experience. The insurer offers policies at an annual cost of $390 for the state minimum coverage and $1,313 for military drivers with a history of at-fault accidents.
MoneyGeek’s Pick: USAA
An affordable full coverage policy of $928 per year
New vehicle discount
User satisfaction score of 5 out of 5
Claims rating score of 5 out of 5
Only available for military families
In Massachusetts, USAA offers some of the most affordable auto insurance premiums and the highest service ratings. This company is well-known nationwide for having a good customer service reputation. USAA also offers a variety of coverages and discounts, including the following:
- Rideshare Insurance: If your usual insurance policy does not cover you while awaiting a rideshare request, USAA's rideshare gap coverage is an excellent alternative. For as low as $6 per month, you may purchase the extra protection.
- Accident Forgiveness: If you maintain an accident-free record for a minimum of five years and if you have USAA’s accident forgiveness insurance, your rate will not increase after your first at-fault accident.
- Mileage Discount: Massachusetts motorists may be eligible for this USAA discount depending on their annual mileage.
- Vehicle Storage Discount: With this discount, you can get a discount on vehicle storage of up to 60% for garaging an insured vehicle.
Best Car Insurance in Massachusetts for Those With New Cars
While evaluating the car insurers in Massachusetts offering new car replacement coverage in Massachusetts, MoneyGeek’s scores show that Allstate is the best choice for new cars.
- Allstate: MoneyGeek score of 86 out of 100
If your automobile is totaled within a certain period of time, new car replacement, which is an add-on coverage, pays to replace it with a brand-new vehicle of a similar make and model.
MoneyGeek’s Pick: Travelers
MoneyGeek claims rating of 5 out of 5
MoneyGeek stability rating of 5 out of 5
New car replacement coverage
Relatively expensive average premium at $1,103 per year
Because it offers new car replacement coverage, MoneyGeek recommends Allstate to Massachusetts residents who have recently purchased a vehicle. In most cases, the value of a vehicle decreases the moment it is driven off the dealership. Allstate's New Car Replacement policy will pay for the costs associated with replacing your vehicle with a brand-new automobile of the same make and model, if it is totaled in a covered loss within the first two years that you own it.
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 for low-mileage drivers.
MoneyGeek’s Pick: Allstate
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
Expensive for people who drive more
Milewise is a vehicle insurance program from Allstate that allows you greater control over your insurance prices and provides driving feedback. You can choose from the Pay-Per-Mile option, the Unlimited Vehicle option or a combination of the two policies. With the Pay-Per-Mile option, you pay a low daily fee as well as a per-mile rate when driving. The Unlimited Vehicle option is only charged a daily rate, regardless of the number of miles traveled, but the cost of the daily rate is usually higher than what’s included in the Pay-Per-Mile option.
How to Find the Best Car Insurance in Massachusetts 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.
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.
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.
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.
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
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.
Expert Advice: Finding the Best Auto Insurance in Massachusetts
- 1. What is the best way to figure out which insurer is best for me in Massachusetts?
- 2. What are the best coverages to add to your car insurance policy in Massachusetts?
Managing Director at Waymark Wealth Management
Private Wealth Manager at Munroe Morrow Wealth Management
About Mark Fitzpatrick
- Allstate. "Milewise." Accessed September 1, 2022.