10 Best Auto Insurance Companies in Massachusetts for 2025

The best auto insurance companies in Massachusetts are Amica, Allstate, and Geico. They deliver a strong mix of low rates on flexible policies with high claims satisfaction ratings.

Amica leads for overall value with high customer satisfaction and dividend-paying policies, making it a favorite for long-term policyholders.

Allstate offers meaningful savings through safe-driver and usage-based discounts, appealing to drivers with good habits and claim-free records. Learn how to qualify in our definitive guide to usage-based auto insurance.

Top 10 Companies: Best Auto Insurance in Massachusetts

Geico is ideal for budget-focused drivers with consistently low rates across ages and ZIP codes, solidifying these insurers as leaders in cost and coverage stability.

Use our free quote comparison tool to find the cheapest Massachusetts car insurance coverage in your city.

Compare Massachusetts Car Insurance Rates

In a state where weather and liability risks can quickly turn a cheap policy into an expensive mistake, these insurers stand out not just for low rates but for lasting protection, reliability, and service.

Allstate is one of the most expensive Massachusetts auto insurance companies for minimum coverage, costing $10 more per month than Geico and State Farm.

Massachusetts Auto Insurance Monthly Rates by Coverage Level

Geico offers the lowest average full coverage rate in Massachusetts at $91 per month, with Progressive close behind at $97 per month and Amica at $103 per month, but cost alone shouldn’t determine a driver’s choice.

Amica may cost slightly more, but it’s trusted for excellent service and dividend policies. The Hanover, at $105 per month, uses its local expertise to offer coverage tailored to Massachusetts weather and traffic.

Travelers, at $108 per month, appeals to long-term drivers with benefits such as accident forgiveness, disappearing insurance deductibles, and loyalty-based discounts.

If you don’t mind paying more, Allstate is an excellent choice for higher coverage limits on usage-based policies, which can come with lower premiums if you practice safe driving habits.

Driver Age & Massachusetts Car Insurance Rates

Geico car insurance in Massachusetts offers some of the lowest rates for young drivers, starting around $112 per month at age 18 and dropping to $41 monthly by age 45.

Amica and State Farm stay competitive in the mid-range of the average cost of auto insurance, with rates around $45 a month for older, experienced drivers.

Massachusetts Auto Insurance Monthly Rates by Age

Amica is slightly higher for young drivers at $126 per month, but it’s known for strong service and long-term value.

Plus, it rewards long-term customers with annual dividend payments that can be applied to premiums, reducing your overall out-of-pocket costs.

Travelers starts higher at $144 per month for new drivers, but becomes competitive at $48 per month by age 45.

Overall, Geico, Amica, and State Farm stand out for combining affordability with dependable long-term coverage for Massachusetts drivers of all ages.

Massachusetts ZIP Code & Car Insurance Rates

Location plays a major role in policy costs. The average cost of auto insurance by city in Massachusetts can change quite a bit from one area to another.

Drivers in high-risk areas often pay more despite similar histories, making it essential to compare ZIP code quotes (Read More: How to Compare Auto Insurance Companies).

Smaller towns like Sheffield generally have some of the lowest premiums due in part to reduced traffic and fewer claims. Nearby Great Barrington sees slightly higher costs starting at $52 per month, likely influenced by moderate traffic and tourism-related driving risks.

On the other hand, Swansea has somewhat more expensive rates, at $73 per month for minimum coverage and $178 per month for full coverage, due to busier streets, commuter traffic, and more expensive repairs.

Driving History & Massachusetts Car Insurance Rates

If you need a Massachusetts car insurance comparison based on your driving record, Geico offers cheap auto insurance for high-risk drivers.

Geico car insurance in Massachusetts costs $41 per month with a clean record, $51 per month after an accident, and $81 per month following a DUI.

Massachusetts Auto Insurance Monthly Rates by Driving Record

Amica car insurance in Massachusetts follows closely, offering $46 per month for clean drivers and $59 per month after an accident, appealing to those who want strong service alongside affordability.

For more serious violations, Travelers, at $95 per month after a DUI, offers a more stable alternative. Overall, Geico and Amica stand out for keeping monthly costs manageable, even when a driver’s record isn’t perfect.

Meet Massachusetts Car Insurance Requirements

Massachusetts is a no-fault state, meaning drivers must first rely on their own insurance to cover medical expenses after an accident, regardless of who caused the crash.

This structure is intended to expedite claims and provide injured drivers with immediate medical attention without lengthy fault disputes.

All motorists must carry minimum liability coverages that provide basic protection for others’ property and injuries.

Massachusetts also requires personal injury protection (PIP), so consider the minimum insurance requirements in Massachusetts before you buy a policy:

• $20,000 for bodily injury per person
• $40,000 for bodily injury per accident
• $5,000 for property damage per accident
• $8,000 in personal injury protection

However, basic coverage may fall short in serious accidents or collisions with high medical bills or repair costs.

Recommended car insurance coverage in Massachusetts often advises higher limits, and you’ll be required to carry more coverage if you have an auto loan or lease.

Many drivers choose to add collision, comprehensive auto insurance, and underinsured motorist coverage.

You can also ask your provider for add-on options, like accident forgiveness or rental reimbursement, to ensure stronger financial protection.

How to Save on Massachusetts Car Insurance

Massachusetts drivers can lower their auto insurance costs by making smart policy decisions. You can reduce your premiums by raising deductibles, comparing rates at each renewal, maintaining strong credit, and avoiding coverage lapses.

All of these tips will help car insurance companies in Massachusetts view you as lower-risk and offer you cheaper rates:

• Raise Your Deductible: Choosing a higher deductible can reduce your monthly premium if you’re comfortable covering more out of pocket after a claim.
• Shop Rates at Renewal: Insurance prices change often, so comparing quotes before each renewal can help you find better offers as insurers adjust their pricing models.
• Maintain Good Credit: Many insurers in Massachusetts use credit-based insurance scores, so improving your credit can lead to lower premium rates over time.
• Avoid Lapses in Coverage: Staying insured without breaks helps you avoid being labeled high-risk, which can increase rates even if you haven’t had any claims.

Even small changes, such as opting for usage-based tracking or maintaining continuous coverage, can make a noticeable difference in premiums, helping drivers get more value from their policy while staying fully protected on the road.

Insurers give discounts for bundling, good behavior, and usage-based programs (Learn More: 17 Car Insurance Discounts You Can’t Miss). Take advantage of available discounts from companies like Geico, Liberty Mutual, Amica, and Progressive.

Top Auto Insurance Discounts in Massachusetts

By using available discount programs and choosing smart coverage, drivers can cut Massachusetts auto insurance costs without losing protection.

Comparing quotes, adjusting deductibles, and using safe-driving or bundling programs support long-term savings, as well.

Top Car Insurance Providers in Massachusetts

Some of the top five largest auto insurance companies in Massachusetts are Geico, MAPFRE, Progressive, Plymouth Rock, and Safety Insurance.

Geico has grown quickly by offering its direct-to-consumer approach with competitively low rates. MAPFRE gained a market advantage through the acquisition of local provider Commerce Insurance. Plymouth Rock also appeals to those who prefer personalized service from a regional carrier.

Progressive attracts price-conscious drivers with technology-driven tools and usage-based programs, and Safety Insurance, one of the state’s most established providers, maintains its share through local expertise and strong agent partnerships.

Amica and Allstate may not be the biggest in the state, but they rank among the best car insurance companies because they offer a wealth of options, reasonable pricing, and exceptional claims service.

#1 – Amica: Top Overall Pick

Pros

• Exceptional Claims Service: Amica is consistently praised in Massachusetts for quick, hassle-free claims handling, with lower complaint ratios than many competitors.
• Strong Financial Stability: Backed by an A+ A.M. Best rating, Amica guarantees that claims will be paid reliably, even in high-cost markets like Massachusetts.
• Local Trust & Loyalty: Amica drivers in Massachusetts often stay for over 10 years for personalized service and quick claims support. Learn more in our Amica insurance review.

Cons

• Limited Local Agent Availability: Fewer walk-in offices in Massachusetts compared to large agent-based brands like Plymouth Rock or Safety Insurance.
• Rate Increases After Claims: Some Massachusetts policyholders report premium increases after claims, even with loyalty and clean records.

#2 – Allstate: Best for Drivewise App

Pros

• Sign-Up Savings: Drivewise users in Massachusetts can earn an immediate enrollment discount, often around 10%, before the app even begins tracking driving behavior.
• High Savings Potential: Safe Massachusetts drivers can save up to 40% with Drivewise by driving carefully. Discover details in our Allstate insurance review.
• No Penalty for Poor Performance: Drivewise doesn’t penalize you for a poor driving record in Massachusetts; it just lowers your discount, so there’s almost no downside.

Cons

• Inconsistent Savings in Practice: Savings may be limited in Massachusetts, with many drivers earning under 10% despite Allstate’s advertised 40% potential.
• State-by-State Restrictions: Some Drivewise perks aren’t available in Massachusetts, including certain cash-back or loyalty rewards.

#3 – Geico: Best for Budget Rates

Pros

• Budget-Friendly Full Coverage: Geico offers full coverage in Massachusetts for about $91 per month, ideal for budget drivers. Check out our Geico insurance review for insights.
• Wide Discount Eligibility: Drivers in Massachusetts can save even more with Geico’s bundling, military, and safe-driver discounts, which can lower premiums by up to 25%.
• Digital Convenience for Budget Shoppers: Geico’s digital tools allow Massachusetts drivers to handle policies and compare quotes affordably.

Cons

• Limited Local Agent Support: A digital-first approach from Geico could mean that some Massachusetts drivers miss the in-person guidance they receive from regional companies.
• Customer Service Variability: While claims are efficient, some drivers report less individualized support compared to customer-focused insurers like Amica.

#4 – State Farm: Best for Local Agents

Pros

• Local Agent Access: A wide agent network in Massachusetts offers in-person help for policies and claims. Read our State Farm auto insurance review for more.
• Reliable Claims Handling: Local adjusters in Massachusetts help deliver smoother claims experiences, especially during weather-related incidents.
• Bundling Potential: In Massachusetts, customers who bundle auto with home or renters policies can save more than the premium cost alone.

Cons

• No Online Quotes: State Farm does not always offer online auto quotes in Massachusetts, requiring direct agent contact.
• Not Always the Cheapest: Budget shoppers in Massachusetts may find lower minimum coverage rates elsewhere, such as Geico at $41 per month.

#5 – Liberty Mutual: Best for Add-Ons

Pros

• Custom Coverage Options: Liberty Mutual offers add-ons like new car replacement and accident forgiveness, giving Massachusetts drivers extra protection.
• Usage-Based Rewards: RightTrack users in Massachusetts can earn up to 30% off by maintaining safe driving habits. See our Liberty Mutual insurance review for more.
• Competitive Minimum Rates: The best auto insurance in Massachusetts for minimum coverage averages $51 per month, ideal for budget-conscious drivers.

Cons

• Mixed Claims Satisfaction: A portion of Massachusetts residents say their claims take too long when compared to their top-rated competitors.
• Discount Eligibility Limits: In Massachusetts, top discounts often require clean records and continuous coverage, making them harder for some drivers to earn.

#6 – Travelers: Best for Policy Choices

Pros

• Competitive Full Coverage: Travelers offers solid coverage in Massachusetts at around $108 per month for clean drivers. Find the full list in our Travelers auto insurance review.
• Reliable Bundling Value: Travelers offers a 13% bundling discount in Massachusetts, giving steady savings for drivers who combine auto with home or renters insurance.
• Accident Forgiveness Potential: Travelers offers accident forgiveness, helping Massachusetts drivers protect their rates after a first minor incident.

Cons

• Costly for Young Drivers: In Massachusetts, new or high-risk drivers may face monthly rates over $140, making Travelers less appealing for younger motorists.
• Strict Telematics Monitoring: Travelers’ usage-based plans in Massachusetts may reduce savings for drivers with hard braking or late-night trips.

#7 – Arbella: Best for Personalized Service

Pros

• Personalized Agent Support: Arbella serves Massachusetts drivers with local agents offering a personal auto insurance guide instead of call-center support.
• Local Massachusetts Expertise: Arbella is well-regarded for understanding Massachusetts driving conditions, offering coverage tailored to local roads and weather.
• Community-Focused Brand: Arbella has a history in Massachusetts and contributes to local projects, with much emphasis on the retention of customers.

Cons

• Not the Cheapest Option: Although well-regarded, Arbella tends to offer higher rates in Massachusetts than discount companies such as Geico and Progressive, particularly to price-conscious drivers.
• Smaller Service Network: As a regional carrier, Arbella is limited to Massachusetts and nearby states, offering less flexibility for out-of-state drivers.

#8 – The Hanover: Best for Extra Options

Pros

• Enhanced Coverage Add-Ons: Roadside or rental coverage adds value to the $105 base rate for Massachusetts drivers. Find more in our The Hanover insurance review.
• Regional Expertise: The Hanover understands Massachusetts driving conditions, making its optional coverages more relevant than generic national add-ons.
• Layered Protection Value: At around $105 per month in Massachusetts, the base rate allows drivers to build higher protection without switching carriers for added perks.

Cons

• Complex Choice Structure: Additional packages need scrutiny, which can be an over-complicated process of looking for very clear pricing when comparing companies in Massachusetts.
• Value Depends on Usage: In low-claim areas of Massachusetts, some paid add-ons may go unused, reducing overall value.

#9 – Farmers: Best for Safe Drivers

Pros

• Safe Driver Rewards: Massachusetts customers with a clean record receive discounts from Farmers, so for those who consistently drive without getting in accidents or accumulating violations.
• Defensive Driving Savings: Mature Massachusetts drivers can save more by completing a defensive driving course. Discover more in our Farmers Insurance review.
• Supports Long-Term Drivers: Massachusetts policyholders who maintain good driving habits over time may see lower rate increases at renewal.

Cons

• Strict Eligibility: One accident or ticket can remove safe driver status in Massachusetts, reducing savings at renewal.
• Limited Transparency: Farmers does not always publish exact safe driver discount percentages for Massachusetts customers.

#10 – Progressive: Best for Risk Drivers

Pros

• Flexible for Occasional Drivers: Low-mileage drivers in Massachusetts may lower monthly costs below the base rate of $44 per month with Snapshot by driving less.
• Fair Pricing for Good Habits: Progressive rewards individual driving behavior in Massachusetts, helping risk drivers save even after a ticket or accident.
• Affordable Clean Driver Rates: Progressive averages $44 per month for clean drivers in Massachusetts. Read our Progressive auto insurance review for full details.

Cons

• Higher Rates After Violations: Drivers with a DUI in Massachusetts face rates around $120 per month, and Snapshot may not significantly offset severe risk surcharges.
• Potential Program Fees: Some Massachusetts drivers see minimal savings if Snapshot discounts don’t outweigh program costs.

Get the Best Car Insurance in Massachusetts

Amica, Allstate, and Geico are the best auto insurance companies in Massachusetts. They stand out for offering competitive prices, strong customer satisfaction, and flexible policy options.

Geico provides the cheapest car insurance in Massachusetts at $41 a month, with extra savings for clean driving records.

Amica delivers high satisfaction and dividends across multiple types of auto insurance, and Allstate offers up to 15% in safe-driver discounts.

Choosing among these top insurers allows Massachusetts motorists to balance affordability with dependable protection. Enter your ZIP code for the best insurance rates possible.