The best car insurance companies in Massachusetts for 2024 are State Farm, Safety Insurance, Geico and Arbella Insurance. This list is determined by analyzing the companies’ annual car insurance premiums, financial stability and customer satisfaction ratings.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Massachusetts with confidence to choose the best car insurance company.
Our take
State Farm is the best car insurance company in Massachusetts. With an A++ financial rating from AM Best and competitive rates, it is an ideal choice for those seeking affordability and comprehensive coverage.
State Farm’s car insurance costs an average of $689 annually. Its J.D. Power score is 829/1,000 and its overall rating is 3.5 out of 5.
Based on CarInsurance.com’s analysis, State Farm provides the most affordable car insurance premiums at $689 annually.
Check out our experts recommendations for the best car insurance coverage
What are the best car insurance companies in Massachusetts?
When it comes to protecting your vehicle, finding the right car insurance is important. Massachusetts drivers have various top-rated insurers to choose from. Whether you prioritize the best overall experience, affordable rates or exceptional customer service, there’s an insurer to match your needs.
Here’s a detailed breakdown of Massachusetts’s best auto insurance companies by category.
| Category | Company |
|---|---|
| Best overall | State Farm |
| Most affordable | State Farm |
| Highest customer satisfaction | Geico |
| Best for teen | State Farm |
| Best for young adults | State Farm |
| Best for adults | State Farm |
| Best for seniors | State Farm |
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Compare the best auto insurance companies in Massachusetts
Comparing car insurance companies is important in finding the best policy that suits your specific requirements. Insurance rates can vary significantly from one company to another based on how they assess risk.
By comparing quotes, you can find affordable rates and potentially save money on your premiums. To make it easier, we’ve analyzed the best car insurance companies in Massachusetts. The table below shows the best auto insurance providers for Massachusetts drivers.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $689 | A++ | 829 | 0.70 | 3.50 |
| Safety Insurance | $1,517 | A | 814 | 0.31 | 3.15 |
| Geico | $1,269 | A++ | 836 | 0.91 | 3.09 |
| Arbella Insurance | $1,708 | A | 799 | 0.27 | 2.96 |
| Amica Mutual | $2,052 | A+ | 833 | 0.61 | 2.96 |
| Travelers | $2,274 | A++ | 782 | 0.49 | 2.88 |
| Plymouth Rock Assurance | $1,409 | A- | 795 | 0.45 | 2.83 |
| Progressive | $2,016 | A+ | 802 | 0.65 | 2.73 |
| Farmers | $1,966 | A | 821 | 0.80 | 2.59 |
| Allstate | $2,694 | A+ | 816 | 0.65 | 2.45 |
Best car insurance companies by age group in Massachusetts
Choosing the right car insurance company can be like picking the perfect pair of shoes—it must fit your unique needs and lifestyle. What works for a teenage driver might not be the best option for a senior driver. As drivers age, their driving habits and risk profiles change, impacting their car insurance rates and coverage.
Teen drivers are considered high-risk and require extensive coverage options and discounts, such as good student discounts. On the other hand, senior drivers prioritize coverage that includes medical payments and higher liability limits, discounts for low mileage and long-term loyalty and prefer personalized customer service and easy claims process.
Drivers can get the best coverage by choosing an insurance company that fits their age group, specific risks, budget and lifestyle. This helps them stay well-protected at every stage of their driving life.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Massachusetts
Teen drivers often face higher insurance premiums because of their increased risk and limited driving experience. According to the Centers for Disease Control and Prevention, teen drivers are more prone to misjudging or failing to notice risky situations compared to older drivers.
They are also more likely to make serious mistakes that can result in major accidents. In 2022, a report from the Insurance Institute for Highway Safety revealed that 2,883 teenagers aged 13 to 19 lost their lives in car accidents.
Known for its lower-than-average rates for teen drivers, State Farm is a great option for teenagers looking to save on premiums at $1,989 a year.
To determine the best car insurance companies for teen drivers, we considered several factors to ensure a thorough evaluation. Each company’s overall score is based on a weighted analysis of four primary factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is given a specific percentage weight according to how well the companies performed in each category.
Based on our analysis, here are some of the top choices for teens aged 16-19:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $1,989 | A++ | 829 | 0.7 | 3.5 |
| Travelers | $4,710 | A++ | 782 | 0.49 | 3.27 |
| Geico | $3,724 | A++ | 836 | 0.91 | 3.15 |
| Amica Mutual | $5,659 | A+ | 833 | 0.61 | 3.14 |
| Progressive | $7,184 | A+ | 802 | 0.65 | 2.74 |
| Farmers | $7,618 | A | 821 | 0.8 | 2.53 |
| Allstate | $9,886 | A+ | 816 | 0.65 | 2.45 |
| Arbella Insurance | $5,082 | A | 799 | 0.27 | 2.06 |
| Plymouth Rock Assurance | $3,952 | A- | 795 | 0.45 | 2.05 |
| Safety Insurance | $6,423 | A | 814 | 0.31 | 2.02 |
Best for young adults in Massachusetts
Young drivers often face higher premiums due to their perceived risk, making it important to find the right insurance company. Based on an analysis by the National Safety Council, 7,300 drivers were involved in fatal crashes for the age group 20-24, accounting for 11.2% of the total drivers in such incidents.
Companies like State Farm and Geico offer affordable rates for those aged 20-24 in Massachusetts.
To compile our list of the best car insurance companies for young adults in 2024, we evaluated four factors: average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor has been assigned a specific percentage weight to calculate overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $943 | A++ | 829 | 0.70 | 3.50 |
| Geico | $1,785 | A++ | 836 | 0.91 | 3.12 |
| Amica Mutual | $2,939 | A+ | 833 | 0.61 | 3.03 |
| Travelers | $3,240 | A++ | 782 | 0.49 | 2.97 |
| Farmers | $3,002 | A | 821 | 0.80 | 2.61 |
| Progressive | $3,951 | A+ | 802 | 0.65 | 2.53 |
| Allstate | $4,285 | A+ | 816 | 0.65 | 2.45 |
| Safety Insurance | $2,357 | A | 814 | 0.31 | 2.14 |
| Arbella Insurance | $2,365 | A | 799 | 0.27 | 2.03 |
| Plymouth Rock Assurance | $2,197 | A- | 795 | 0.45 | 1.94 |
Best for adult drivers in Massachusetts
When choosing car insurance, different age groups often have varying needs and priorities. For adults and experienced drivers aged 25 to 60, factors such as coverage options, customer service and premium costs play significant roles in selecting the right insurer.
State Farm is the best car insurance company in Massachusetts for adult drivers. It offers full coverage insurance at an average cost of $689 a year and has an overall rating of 3.5, higher among the companies analyzed.
We have evaluated and curated a list of the best car insurance companies for adult drivers based on four key factors: average annual full coverage car insurance cost in Massachusetts (25%), J.D. Power score (30%), AM Best rating (25%), and NAIC rating (20%).
Experienced drivers are generally considered low-risk compared to younger drivers. This age group typically benefits from lower insurance premiums due to their experience and lower accident rates.
Below is a list of the best insurance companies in Massachusetts for adults aged 25-60 and annual premiums.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $689 | A++ | 829 | 0.70 | 3.50 |
| Geico | $1,244 | A++ | 836 | 0.91 | 3.11 |
| Amica Mutual | $2,093 | A+ | 833 | 0.61 | 2.95 |
| Travelers | $2,212 | A++ | 782 | 0.49 | 2.92 |
| Progressive | $2,034 | A+ | 802 | 0.65 | 2.74 |
| Farmers | $2,002 | A | 821 | 0.80 | 2.59 |
| Allstate | $2,740 | A+ | 816 | 0.65 | 2.45 |
| Safety Insurance | $1,515 | A | 814 | 0.31 | 2.16 |
| Arbella Insurance | $1,717 | A | 799 | 0.27 | 1.97 |
| Plymouth Rock Assurance | $1,426 | A- | 795 | 0.45 | 1.96 |
Best for senior drivers in Massachusetts
State Farm offers the lowest car insurance premiums at $523 a year, making it an affordable choice for senior drivers.
As drivers enter their senior years, insurance companies may raise premiums based on the risk associated with changes that can affect driving, such as slower reflexes and vision impairment. Besides, senior drivers might face difficulty finding a policy that offers adequate coverage at reasonable rates, given that insurers often view older drivers as high-risk due to their increased likelihood of being involved in accidents.
Finding the best car insurance companies for senior drivers necessitates a thorough evaluation of several factors. Each insurer’s overall score is determined through a weighted analysis of four different parameters: the average annual cost of full-coverage car insurance (25%), J.D. Power score (30%), AM Best rating (25%), and NAIC rating (20%). The weight assigned to each factor reflects its significance in assessing an insurance provider’s financial stability, affordability, customer satisfaction and complaint index.
Here are the best auto insurance companies in Massachusetts for senior drivers aged 65 to 75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| State Farm | $44 | A++ | 829 | 0.70 | 3.50 |
| Geico | $77 | A++ | 836 | 0.91 | 3.12 |
| Travelers | $171 | A++ | 782 | 0.49 | 2.72 |
| Amica Mutual | $175 | A+ | 833 | 0.61 | 2.68 |
| Progressive | $163 | A+ | 802 | 0.65 | 2.52 |
| Farmers | $140 | A | 821 | 0.80 | 2.51 |
| Allstate | $173 | A+ | 816 | 0.65 | 2.47 |
| Safety Insurance | $112 | A | 814 | 0.31 | 2.06 |
| Arbella Insurance | $111 | A | 799 | 0.27 | 1.96 |
| Plymouth Rock Assurance | $121 | A- | 795 | 0.45 | 1.75 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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The right insurance company for you is significantly influenced by your driver profile. Here’s how to choose the right insurer based on your specific needs:
For budget-conscious drivers in Massachusetts
Look for companies that offer various car insurance discounts, such as safe driver discounts, multi-policy discounts, or discounts for automatic payments. These can significantly reduce your premiums. Some insurers offer flexible payment plans that can ease the financial burden, such as monthly, quarterly or bi-annual payments.
Find below the list of the best insurance companies and their annual rates for different coverage levels.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| State Farm | $210 | $273 | $689 |
| Geico | $453 | $559 | $1,269 |
| Plymouth Rock Assurance | $344 | $452 | $1,409 |
| Safety Insurance | $332 | $576 | $1,517 |
| Arbella Insurance | $617 | $799 | $1,708 |
| Farmers | $492 | $683 | $1,966 |
| Progressive | $789 | $888 | $2,016 |
| Amica | $627 | $785 | $2,052 |
| Travelers | $721 | $881 | $2,274 |
| Allstate | $678 | $865 | $2,694 |
| USAA | $368 | $456 | $1,442 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 20/40/5.
For high-risk drivers in Massachusetts
If you’re a high-risk driver or someone with traffic violations or DUIs, seek insurance companies specializing in high-risk policies. To help lower your rates, try to improve your driving record by taking a defensive driving course. These actions can help you save money on your insurance over time.
High-risk status is not permanent. Regularly compare insurance rates and options, as improving your driving record and altering your risk profile can lead to more affordable car insurance rates over time.
| Company | 6-month cost | Annual cost |
|---|---|---|
| State Farm | $480 | $960 |
| Geico | $865 | $1,729 |
| Arbella Insurance | $986 | $1,972 |
| Safety Insurance | $1,202 | $2,404 |
| Progressive | $1,412 | $2,824 |
| Farmers | $1,625 | $3,250 |
| Travelers | $1,710 | $3,420 |
| Allstate | $1,927 | $3,854 |
| USAA | $1,061 | $2,122 |
By understanding specific driver profiles and doing proper research, high-risk drivers can find an insurance company that meets their needs and provides the best value.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Massachusetts?
The average cost of car insurance in Massachusetts is $1,726 per year. This rate can vary based on factors such as the driver’s age, driving history and coverage limit.
How much car insurance coverage do I need in Massachusetts?
When determining how much car insurance you need in Massachusetts, it’s important to consider the legal requirements. The minimum coverage required in Massachusetts typically includes $20,000 in bodily injury per person, $40,000 in bodily injury per accident and $5,000 in property damage liability.
Beyond Massachusetts’s-required minimums, you should consider purchasing higher liability limits if you have significant assets to protect. Experts recommend that you purchase full coverage car insurance with limits of 100/300/100 with a $500 collision/comprehensive deductible.
This means:
- $100,000 in bodily injury liability per person. This coverage pays for injuries that you, as the policyholder, cause to one person in an accident.
- $300,000 in bodily injury liability per accident: This is the total amount that your insurance will cover for injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident: This covers damage that you cause to another person’s property in an accident.
These higher limits are recommended because they provide more comprehensive protection against financial losses. It’s also wise to consider factors such as your driving habits, vehicle value and financial situation when choosing coverage limits.
Which company has the cheapest car insurance rates in Massachusetts?
Based on CarInsurance.com’s data analysis, State Farm offers the cheapest car insurance for Massachusetts drivers at $57 a month or $689 a year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Massachusetts drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 20/40/5.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
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Guide to car insurance (with rates) in cities of Massachusetts
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered.
Due to technical error, please try again later.
Guide to car insurance (with rates) in cities of Massachusetts
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Massachusetts