BestCar InsuranceMassachusettsBest Car Insurance in Massachusetts (May 2023)
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Chubb offers the best full coverage and minimum coverage insurance in Massachusetts and is number one in terms of customer service. Amica Mutual is a good fit for young adults and drivers with accidents and tickers, while Arbella is a great option for seniors. Meanwhile, Allstate may be the right company for new car owners, while USAA is the best option if you are in the military.
MoneyGeek also researched the cheapest auto insurance rates in Massachusetts if you want to keep your costs down.
BestCar InsuranceMassachusettsBest Car Insurance in Massachusetts
Best Overall - Chubb
Best for Service - Chubb
Best for Minimum Coverage - Chubb
Best for Young Adults - Amica Mutual
Best for Seniors - Arbella Insurance Group
Best for Driving Offenses - Amica Mutual
Best for New Cars - Allstate
Best for Military - USAA
Best Overall for Car Insurance in Massachusetts
Chubb is the best car insurance provider in Massachusetts, according to MoneyGeek’s research. The state’s top two providers are:
- Chubb: MoneyGeek score of 91 out of 100 ($1,008 per year)
- Amica Mutual: MoneyGeek score of 90 out of 100 ($964 per year)
Chubb’s strongest suits are in claims as well as customer satisfaction. Although Chubb isn’t the most affordable option, especially for young adult drivers, it is known for its customer care and quality service. Costing around $483 per year, State Farm is another well-regarded insurance provider in Massachusetts, but it only renews plans for current clients who move to the state. It earned a MoneyGeek score of 90 out of 100.
Aspiring policyholders can up their chances of finding cheap full coverage car insurance in Massachusetts by exploring the market and shopping around.
1
ChubbBest Overall
Score:91
Chubb emerged as the clear winner among the study's providers for its outstanding customer satisfaction and claims performance. With an average full coverage insurance costing $1,008 a year, it may still be considered affordable compared to its rivals in Massachusetts. The insurer's coverages are, unfortunately, less extensive than others. But it does offer original equipment manufacturer (OEM) coverage.
More About Chubb
Chubb understands how much you value your car. Policyholders can expect the company’s OEM coverage to pay for the use of original parts when their car is repaired after an accident. OEM coverage ensures your car’s safety systems remain optimal in case of a future accident.
Meanwhile, Chubb's Agreed Value coverage is another great way to protect your purchase. With this option, you agree on your car’s value when your insurance is written. If your car is stolen or totaled, you get a check for the agreed-upon amount.
Chubb also offers classic car insurance for vehicles at least 30 years old, part of a more extensive vehicle collection or that come from a small production run. Vehicles must be kept in garages and used only for hobby purposes like auto shows, exhibits, car club events and parades.
2
Chubb
Score:91
Chubb emerged as the clear winner among the study's providers for its outstanding customer satisfaction and claims performance. With an average full coverage insurance costing $1,008 a year, it may still be considered affordable compared to its rivals in Massachusetts. The insurer's coverages are, unfortunately, less extensive than others. But it does offer original equipment manufacturer (OEM) coverage.
More About Chubb
Chubb understands how much you value your car. Policyholders can expect the company’s OEM coverage to pay for the use of original parts when their car is repaired after an accident. OEM coverage ensures your car’s safety systems remain optimal in case of a future accident.
Meanwhile, Chubb's Agreed Value coverage is another great way to protect your purchase. With this option, you agree on your car’s value when your insurance is written. If your car is stolen or totaled, you get a check for the agreed-upon amount.
Chubb also offers classic car insurance for vehicles at least 30 years old, part of a more extensive vehicle collection or that come from a small production run. Vehicles must be kept in garages and used only for hobby purposes like auto shows, exhibits, car club events and parades.
3
Amica Mutual
Score:90
Amica Mutual comes in second for offering the best car insurance in Massachusetts at around $964 per year. The insurer has above-average scores in affordability, claims and coverage. Customer satisfaction is Amica Mutual’s strongest point, signifying the company adequately meets expectations.
More About Amica Mutual
Amica offers a range of coverages that may be useful for many drivers. Its rates and claims handling scores are competitive, so customers can rest easy knowing their questions and concerns will be addressed. The company’s add-on coverages include identity theft, glass deductible modification and roadside assistance.
Amica’s identity theft coverage provides credit monitoring alerts and resolution support to protect your personal information. This is important for drivers who may have their information compromised during an accident or after leaving their vehicle unattended.
Drivers who want to avoid paying a deductible when filing a claim to repair or replace their car's windshield or windows can opt for Amica’s glass deductible modification coverage. The company's roadside assistance add-on will cover certain costs incurred as a result of a car breakdown, including towing, tire replacement and gas delivery. This service is available around-the-clock.
4
Amica Mutual
Score:90
Amica Mutual comes in second for offering the best car insurance in Massachusetts at around $964 per year. The insurer has above-average scores in affordability, claims and coverage. Customer satisfaction is Amica Mutual’s strongest point, signifying the company adequately meets expectations.
More About Amica Mutual
Amica offers a range of coverages that may be useful for many drivers. Its rates and claims handling scores are competitive, so customers can rest easy knowing their questions and concerns will be addressed. The company’s add-on coverages include identity theft, glass deductible modification and roadside assistance.
Amica’s identity theft coverage provides credit monitoring alerts and resolution support to protect your personal information. This is important for drivers who may have their information compromised during an accident or after leaving their vehicle unattended.
Drivers who want to avoid paying a deductible when filing a claim to repair or replace their car's windshield or windows can opt for Amica’s glass deductible modification coverage. The company's roadside assistance add-on will cover certain costs incurred as a result of a car breakdown, including towing, tire replacement and gas delivery. This service is available around-the-clock.
How the Best Insurers in Massachusetts Rank: MoneyGeek Scores and Costs
After an extensive analysis of 13 Massachusetts-based insurance companies, we discovered that Chubb provides better customer service than its competitors and consistently fulfills its claim-related duties. Amica Mutual can be quite affordable and tends to provide outstanding customer support. Its coverages and claims management are likely to impress some customers as well.
American Family is a good option for those who want extensive coverages, while Vermont Mutual offers the fewest options. MoneyGeek only included insurers that could be scored on all components.
Best Car Insurance in Massachusetts for Customer Service
Bay State drivers looking for excellent customer service should consider Chubb. Our top recommendations for best customer service are:
- Chubb: MoneyGeek score of 93 out of 100 ($1,008 per year)
- Amica Mutual: MoneyGeek score of 91 out of 100 ($964 per year)
Chubb and Amica Mutual are neck-and-neck for first place in terms of customer satisfaction, but Chubb takes the lead in handling claims, an aspect that goes hand in hand with good service. Amica Mutual, however, has more coverage options.
pros
Ranked number 1 in claims management
Ranked number 3 in customer satisfaction
Has OEM coverage
cons
Ranked number 8 in affordability
Has few common coverages, such as roadside assistance
COMPANY HIGHLIGHTS
Backed up by its financial strength and stability, Chubb offers high-quality services and handles claims very well — 24/7, year-round. Crash Network’s study makes a great case proving that Chubb does not shirk its responsibility to customers, giving the company a grade of A- on its proprietary rating system.
Chubb is also one of the few insurers offering original OEM coverage, which plays a critical role in vehicle safety and performance. Chubb does lack some coverages most companies offer, such as roadside assistance and accident forgiveness. The former is a nice extra that can help you get back on the road quickly after a breakdown, while the latter can help you keep your costs from rising after an at-fault accident.
What Makes an Insurer the Best for Customer Service?
The insurance industry is full of great companies, but some go above and beyond when it comes to customer service. Several factors help a company stand out as the best in this category, including the ability to respond to or resolve an issue promptly, whether it relates to policy coverage, billing or claims.
Best Car Insurance in Massachusetts for Minimum Coverage
In our search for the best Massachusetts liability-only insurance, we found that Chubb offers exceptional service and low price points. Here are our top insurers for minimum coverage policies in Massachusetts:
- Chubb: MoneyGeek score of 92 out of 100 ($337 per year)
- Hanover: MoneyGeek score of 91 out of 100 ($226 per year)
Chubb's minimum coverage policies offer the best of both worlds: a fair price and great customer service. With a score of 91 out of 100, State Farm is a close runner-up, but it only allows existing clients to renew their policies in Massachusetts. It costs $221 annually, making it the cheapest insurer.
Remember that a minimum policy may not fully protect you against liability costs or damages to your car. MoneyGeek has identified additional cheap coverage options in Massachusetts that can offer better protection.
pros
Minimum coverage policy costs $337 per year
Ranked number 1 both in satisfaction and claims
cons
Doesn’t offer safe driving and multiple car discounts
Few coverage options
COMPANY HIGHLIGHTS
Chubb ranks number one in customer satisfaction and claims handling, with claims teams in more than 50 countries available 24/7. This is valuable for drivers who travel abroad often. Chubb’s premiums are reasonable enough to merit an above-average score in the affordability category.
In addition, Chubb offers various discounts that can help you save on your premium. For instance, bundling your home and auto policies can get you a discount. Anti-theft discounts are available if you have an alarm or an active or passive disabling device system installed in your car. Completing defensive driving classes or accident prevention courses can also reduce your premium. Signing up for automatic payments or paying your premium in full in advance also saves you money.
What Makes an Insurer the Best for Minimum Coverage?
As with so many things in life, there's a trade-off at play here: The cheapest minimum coverage insurance companies may not necessarily offer the best service. However, you can still get great service with a cheap price tag. Chubb’s near-perfect customer satisfaction score, claims handling reputation and great affordability rating make it the clear winner in this category.
Best Car Insurance in Massachusetts for Young Adults
Amica Mutual offers the best insurance for young adults in Massachusetts. Based on affordability and service, the top two providers are:
- Amica Mutual: MoneyGeek score of 90 out of 100 ($1,098 per year)
- Arbella: MoneyGeek score of 89 out of 100 ($1,081 per year)
While State Farm earned the top spot in this category, it doesn’t accept new customers in Massachusetts and only allows existing ones to renew their policies. Meanwhile, Amica Mutual received above-average scores, particularly in customer satisfaction. This makes it ideal for young drivers who may need help navigating the world of car insurance. Young drivers can also find the best deals by thoroughly researching Massachusetts’ cheap car insurance options for young drivers.
pros
Ranked number 2 in claims
Ranked number 5 in satisfaction
Offers a variety of coverages
cons
Ranked number 7 in affordability, at around $1,098 per year
COMPANY HIGHLIGHTS
Amica Mutual offers competitive coverages, efficient claims handling and gets customer satisfaction ratings. It offers rental car coverage, so if your vehicle is damaged beyond driving safety standards after an accident or is undergoing repairs due to one, the company covers your car rental costs. While specifics might vary by state, most policies pay out $20 each day up to a maximum of $600. Amica policyholders may also choose the prestige rental coverage to rent a vehicle equivalent to the one insured. There is a daily surcharge of $5 for this insurance, up to a maximum of $5,000.
The insurer offers several discounts that help make its rates more affordable. These include discounts for taking a defensive driving course and installing anti-theft devices. These discounts reduce your premium and may also help you stay safe.
What Makes an Insurer the Best for Young Adults?
Amica offers young drivers in Massachusetts good coverage at a mid-range value. According to J.D. Power and other reputable insurance studies, the company has high customer satisfaction and provides seamless service. Amica's car insurance can benefit many young adult driver profiles, including young professionals or those finishing graduate studies.
Best Car Insurance in Massachusetts for Seniors
Arbella ranks as the best car insurance plan for senior drivers in Massachusetts. It scores the highest in service quality and features decent claims management, but it comes at a higher cost than its rivals.
- Arbella: MoneyGeek score 89 out of 100 ($809 per year)
- Chubb: MoneyGeek score 88 out of 100 ($1,049 per year)
State Farm is another well-known insurer, primarily for its reliability and affordability, at an annual average rate of $369, making it a great deal for senior drivers. In fact, it scored 90 out of 100 in our proprietary scoring system. However, it only renews policies of its current clients in Massachusetts.
Drivers in their 60s pay similar rates as younger adults, but costs may rise when they reach their 70s. Drivers can save by comparing rates and finding Massachusetts cheap car insurance for seniors.
pros
High satisfaction
Average claims handling
cons
Not the most affordable, at around $809 per year
Lacks essential coverages, such as roadside assistance and rental car reimbursement
COMPANY HIGHLIGHTS
Arbella offers exceptional customer service, although its costs can be a bit steep for some. You’ll have to decide if this is a good trade-off. The provider does not offer many common coverages, such as roadside assistance and car rental coverage, but has coverage options that may be of great value to older drivers. These include accident forgiveness, which will prevent you from accruing accident surcharge points, and gap insurance, which pays the difference between your loan balance and your car's actual cash value (ACV) if your car is totaled in an accident and your loan is not paid off.
If you’re looking to further reduce your car insurance premiums, you can take advantage of Arbella’s discounts for new customers, loyal customers, driving less than 10,000 miles per year and paying in full.
What Makes an Insurer the Best for Seniors?
Seniors are generally considered safe drivers since they have years of experience behind the wheel. As a result, insurance providers often offer them cheaper rates. Comprehensive coverage and ample personal injury protection from a provider like Arbella provides seniors with affordable, quality protection. Reputable resources point to the company as a dependable provider with high satisfaction rates compared to other brands.
Best Car Insurance in Massachusetts for Drivers With Offenses
Our research suggests that Amica Mutual is a good option for drivers with different types of tickets and accidents on their records. These recommendations are based on affordability and service ratings:
- Amica Mutual: MoneyGeek score 91 out of 100 ($1,512 per year)
- Arbella: MoneyGeek score 90 out of 100 ($1,490 per year)
State Farm also got high marks in this category, earning a total score of 90 out of 100, but its services are only available to existing policyholders. Amica gets particularly excellent scores in customer satisfaction and claims.
Massachusetts drivers with speeding tickets pay an average of $278 more in car insurance premiums, those involved in at-fault accidents pay $644 more and those with DUIs pay an average of $868 more. But there are still cheap auto insurance options in Massachusetts after a violation.
pros
Ranked number 4 in customer satisfaction
Ranked number 2 in claims
Offers full glass and accident forgiveness coverages
cons
Not among the cheapest options, at around $1,512 per year
COMPANY HIGHLIGHTS
Our analysis of Amica revealed that its full coverage policies are among the most expensive on the market, although the provider has a good reputation for excellent customer service and claims handling. This is something to keep in mind if your priority is price.
Amica’s accident forgiveness and full glass coverages may be available for drivers with a blemished record. You can achieve accident forgiveness from Amica by accumulating advantage points via insurance renewals, referrals or safe driving for a year. Once you have accrued enough Advantage points, you can use them to lower or eliminate your deductible or prevent your premiums from increasing after a claim. Meanwhile, the full glass coverage includes no-deductible service for cracks or breaks in your windshield, side windows and other vehicle glass.
What Makes an Insurer the Best for Drivers With Offenses?
Many companies will reject your application or charge you high premiums if you have a spotty driving record. However, a good insurance company knows that people make mistakes and is willing to help you get back on track, offering discounts and features that can help mitigate the impact of your past mistakes.
Best Car Insurance in Massachusetts for Drivers With New Cars
We recommend Allstate if you're looking for an auto insurance company that offers new car replacement coverage. We compared Massachusetts insurers on price, service and new/better car replacement coverage for drivers with a 2022 model car. These are the top companies:
- Allstate: MoneyGeek score of 86 out of 100 ($1,449 per year)
- Travelers: MoneyGeek score of 77 out of 100 ($1,770 per year)
Reasonable rates and satisfaction may be Allstate’s best selling points for drivers with new cars. If your car gets totaled in an accident, Allstate’s new car replacement coverage will give you a completely new car.
pros
Ranked number 1 in affordability, at around $1,449 per year
Offers new car coverage
Above-average score in customer satisfaction and coverage options
cons
Low claims score
COMPANY HIGHLIGHTS
While Allstate has a lackluster claims handling score, it does have positive attributes, specifically its affordability. For a fair price, owners of new cars can have the peace of mind of knowing that they can get a replacement — not just a check for the depreciated value of their cars — in the event their new wheels get totaled in an accident. Your car must be less than two years old to qualify for this coverage. This coverage may be attractive if you spent thousands on your dream car and don’t want anything less than its value.
Allstate's customer satisfaction ratings are also remarkable. In fact, according to J.D. Power's 2022 study on insurance companies' satisfaction, Allstate came in fifth place out of all the insurers tested.
What Makes an Insurer the Best for Drivers With New Cars?
The best insurance companies for new cars will offer you a new/better car replacement for a reasonable price in case yours gets totaled. Remember that newer models can be very expensive to replace because they're so advanced and complicated.
Best Car Insurance in Massachusetts for Military Drivers
USAA is the highest-scoring car insurance company for military members in Massachusetts, with an overall MoneyGeek score of 92 out of 100. It costs $761 annually on average, the second cheapest insurer. USAA provides high-quality insurance and financial products tailored to military members, veterans and their families.
pros
Ranked number 2 in affordability, at around $761 per year
Ranked number 1 in customer satisfaction
Has accident forgiveness
cons
Claims service and coverage options are not as extensive as its competitors
Doesn’t have gap insurance and new car replacement coverage
COMPANY HIGHLIGHTS
USAA has the cheapest auto insurance rates in Massachusetts and offers the best customer service, two attributes that don’t always go hand-in-hand. While USAA does not offer a wide array of coverages, policyholders who purchase accident forgiveness and remain accident-free for five years won't need to worry about a rate hike if they have a future accident.
The company also has several discount options that can help you reduce premium costs. For example, you can save if you garage your car on-base. If you stick with USAA for a period of time, you’re eligible for a loyalty discount. Additional discounts include those for safe driving, new vehicles and low mileage.
How to Find the Best Car Insurance in Massachusetts for You
Car insurance is one of the most important financial decisions you'll make. Ensuring you get the best option requires balancing cost, service reputation and financial stability. This guide is a great place to start, but you can continue to research by following the steps below.
1
Research customer service reputations in Massachusetts
MoneyGeek analyzed data on multiple auto insurance providers in Massachusetts to help readers choose the best for their needs. You can find more information from organizations such as Massachusetts' Insurance Information Institute and resources like J.D. Power satisfaction scores and the NAIC complaint ratios.
2
Compare quotes
Auto insurance rates vary from company to company, so it’s important to get at least three quotes before deciding on the best policy for you. The averages used in this guide may not accurately represent the quotes every reader may get.
3
Find the coverages you want in Massachusetts
The liability coverage available to drivers may vary by state. Make sure your provider offers the coverages that are important to you and meets your needs and expectations as a policyholder.
4
Check financial stability ratings
When buying a car insurance policy, make sure your insurance company has a strong financial rating. Established companies are typically stronger financially, while regional companies may be less so.
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FAQs About the Best Car Insurance in Massachusetts
When looking for car insurance in Massachusetts, it's important to consider your needs. These are some common questions people have.
1. What is the best way to figure out which insurer is best for me in Massachusetts?
Brendan Sheehan:
Obviously, the number one thing you should consider is price. However, a close second is the insurers’ customer service and how they handle claims. The best way to measure this is to ask your friends, family and co-workers which insurer they use and if they have filed a claiam.
Jon Coughlin:
Use Google as a reference and find an insurance agency you can trust that will compare quotes from different insurers. Some people have found it easiest to call big companies like GEICO and get a quote against what their local insurance agency provides to compare.
2. What are the best coverages to add to your car insurance policy in Massachusetts?
Brendan Sheehan:
There are some required coverages that every MA driver must have on their car insurance. I would strongly suggest you review the deductibles you choose for these coverages. For instance, if you are a safe driver, you may want to elect a higher deductible (i.e., lower-cost) on your "collision" coverage. For the "comprehensive" coverage, I would opt for a lower deductible as that coverage protects against perils that are typically out of your control (e.g., a tree branch falling on your car).
Additionally, we recommend clients choose at least a $1MM Umbrella Liability policy to give you an extra layer of liability protection. Often, insurers require a higher base coverage on your auto policy to qualify for an umbrella policy. Thus, make sure you select the requisite coverage to qualify for this additional coverage.
About Mark Fitzpatrick
sources
- Chubb. "Car Insurance." Accessed January 30, 2023.
- State Farm. "Auto Insurance Discounts in Massachusetts." Accessed January 30, 2023.
- State Farm. "Auto Insurance Tips & Resources." Accessed January 30, 2023.
- State Farm. "State Farm Mobile App." Accessed January 30, 2023.