Best car insurance in Massachusetts of 2024
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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 9:48 a.m. UTC June 12, 2024
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N&D Group offers the best car insurance company in Massachusetts in 2024. It has competitive rates for most drivers and an excellent track record when it comes to customer complaints.
Other Massachusetts car insurance companies that earn top scores include Safety Insurance, Plymouth Rock Assurance, Preferred Mutual and Arbella Insurance.
The best car insurance companies in Massachusetts in 2024
- N&D Group: Best car insurance in Massachusetts.
- Safety Insurance: Best for collision claims.
- Plymouth Rock Assurance: Good for cheap minimum liability coverage.
- Preferred Mutual: Great for car insurance discounts.
- Arbella Insurance: Great for policy enhancements.
- Main Street America: Great for online resources.
Why trust our car insurance experts
Our team of car insurance experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 18 companies analyzed.
- 126 rates reviewed.
- 5 levels of fact-checking.
Top-rated car insurance companies in Massachusetts
Methodology
Our team of insurance experts evaluated 18 Massachusetts car insurance companies to determine the best car insurance based on average rates and consumer complaints. Each insurer was eligible for up to 100 points based on the following factors.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles. Driver profiles include:
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the volume of car insurance consumer complaints against each company. When a consumer lodges a complaint to their state’s department of insurance — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Compare the best car insurance companies in Massachusetts
Comparing auto insurance quotes from multiple insurers will help you find the best coverage. Use the table below to get started and compare the best car insurance companies in Massachusetts.
| COMPANY | MA RATING | AVERAGE MONTHLY COST OF GOOD DRIVERS | COMPLAINTS | LEARN MORE | ||||||
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 N&D Group | $119 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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 Safety Insurance | $119 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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 Plymouth Rock | $132 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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 Preferred Mutual | $130 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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 Arbella Insurance | $164 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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 Main Street America | $141 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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How much does car insurance cost in Massachusetts?
The average car insurance rate for good drivers in Massachusetts is $1,829 per year, or $152 per month. That’s less than the national average of $2,067 per year, or $172 per month.
How much you pay for car insurance in MA will depend on several factors, including your:
- Age.
- Desired amount and type of coverage.
- Driving record.
- Make and model vehicle
- ZIP code.
Unlike many other states, Massachusetts forbids insurers from using your gender or credit information to determine your rates.
Cheapest car insurance in Massachusetts
State Farm didn’t make our list of best insurers in the Bay State, but it does have the lowest rates for most drivers. Despite low rates, it had a slightly higher ratio of consumer complaints to state insurance departments, preventing it from securing a top spot in our rating. Still, its complaint index (0.78) is below the national average of 1.0, making it worth consideration if a budget-friendly car insurance company is on your list.
See what other insurers offer cheap coverage based on your driver profile:
Cheapest car insurance after a speeding ticket
State Farm has the cheapest car insurance after a speeding ticket in Massachusetts by a considerable amount. The next cheapest is Geico, though its average rate exceeds State Farms by over $400 per year.
| MA CAR INSURANCE COMPANY | ANNUAL | MONTHLY | ||||
|---|---|---|---|---|---|---|
| $1,042 | $87 | |||||
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| $1,477 | $123 | |||||
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| Safety Insurance | $1,784 | $149 | ||||
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Cheapest car insurance after an accident
State Farm has the cheapest car insurance after an accident in MA, but the N&D Group is also an affordable option for drivers with an accident on their record.
| MA CAR INSURANCE COMPANY | ANNUAL | MONTHLY | ||||
|---|---|---|---|---|---|---|
| $1,418 | $118 | |||||
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| N&D Group | $1,813 | $151 | ||||
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| $2,115 | $176 | |||||
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Cheapest car insurance after a DUI
If you’re looking for coverage after a DUI, State Farm is the only insurer we analyzed to offer an average annual rate under $2,000. Geico has the second lowest, hovering just over $2,000 per year.
| MA CAR INSURANCE COMPANY | ANNUAL | MONTHLY | ||||
|---|---|---|---|---|---|---|
| $1,506 | $126 | |||||
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| $2,025 | $169 | |||||
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| $2,320 | $193 | |||||
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Cheapest car insurance after a gap in coverage
Many car insurance companies penalize drivers if they have a gap in coverage, but State Farm is the only insurer with an average rate below $1,000 per year. Geico, the N&D Group and Safety Insurance are also competitively priced.
| MA CAR INSURANCE COMPANY | ANNUAL | MONTHLY | ||||
|---|---|---|---|---|---|---|
| $900 | $75 | |||||
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| $1,319 | $110 | |||||
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| N&D Group | $1,431 | $119 | ||||
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| Safety Insurance | $1,431 | $119 | ||||
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Cheapest car insurance for adding a teen driver in Massachusetts
Adding a teen driver to your car insurance policy raises your rates. You’ll find comparably cheap car insurance with State Farm, though Progressive also offers competitive rates for adding a 16- to 19-year-old to your policy.
| MA CAR INSURANCE COMPANY | ANNUAL | MONTHLY | ||||
|---|---|---|---|---|---|---|
| $1,733 | $144 | |||||
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| $1,811 | $151 | |||||
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| Safety Insurance | $2,987 | $489 | ||||
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How to find cheap car insurance in Massachusetts
To find affordable coverage in Massachusetts, compare auto insurance quotes from at least three insurers before you make a decision.
Here are other ways to save:
- Bundle your car insurance with a home or renters insurance policy. You may also save if you insure more than one vehicle with the same company.
- Ask your insurer about discounts, such as paying your premium in full, owning a vehicle with certain safety features, being a good driver or being a student driver.
- Drop unnecessary coverages. Over time, you may find it makes sense to drop certain coverage, such as roadside assistance, gap insurance or collision and comprehensive coverage. However, dropping some coverages could cost you more in the long run.
- Adjust your limits and deductibles. Decreasing your coverage limits or increasing your deductibles can lower your premium, but it can also leave you vulnerable to higher out-of-pocket expenses after an accident, especially one with injuries or significant property damage.
- Consider usage-based insurance. If you consistently practice safe driving habits or drive infrequently, you may find a usage-based car insurance policy can save you money. However, keep in mind that these programs allow your insurer to monitor your driving behavior. Poor driving habits, such as speeding, might lead to higher rates.
How much car insurance do I need in Massachusetts?
All Massachusetts drivers are required to have an insurance policy that meets the minimum requirements set by the state. This includes:
- Liability insurance to cover injuries and damages when you cause an accident. Massachusetts requires at least:
- $20,000 in bodily injury coverage per person who is injured or killed in an accident.
- $40,000 in bodily injury coverage for all persons injured or killed per accident.
- $5,000 in property damage coverage per accident.
- Personal injury protection (PIP) with at least $8,000 in coverage.
- Uninsured motorist bodily injury coverage:
- $20,000 in bodily injury coverage per person.
- $40,000 in bodily injury coverage for all persons per accident.
Frequently asked questions (FAQs)
State Farm car insurance is the cheapest in Massachusetts for most drivers. It has the lowest average rates for good drivers as well as drivers with an infraction on their record, such as a speeding ticket, accident or DUI.
To lower your car insurance rates in Massachusetts, try the following strategies:
- Shop around to compare auto insurance quotes.
- Take advantage of as many car insurance discounts as you can.
- Review your policy to ensure you’re not paying for coverages you don’t need.
- Adjust coverages by decreasing your limits or increasing deductibles, if it makes sense for your financial situation.
- Maintain a good driving record.
The average cost of car insurance in Massachusetts is $152 per month for good drivers. However, your rate will depend on your age, driving record, make and model of vehicle and the amount and type of coverage you purchase.
Massachusetts drivers must have proof of auto insurance when they register their car. As such, you should purchase car insurance before you plan to drive your vehicle. If you’re buying a new vehicle, you’ll likely need to show proof of coverage before you drive it off the lot.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
