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Best Car Insurance in Massachusetts of 2024

Updated
Kailey Hagen
Author: Kailey Hagen
Kailey Hagen
Kailey Hagen
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Kailey Hagen has been writing about small businesses and finance for almost 10 years. Articles she's written for The Motley Fool have been syndicated to USA Today, MSN, and Yahoo! Finance. She specializes in personal and business bank accounts and software for small to medium-size businesses. She lives on what's almost a farm in northern Wisconsin with her husband and three dogs.

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Jamie Matthews
Fact Checked: Jamie Matthews
Jamie Matthews
Jamie Matthews

Jamie Matthews is alumni of Ohio State University and still calls Columbus, Ohio home. She is a finance editor with more than nine years of experience. When she isn't obsessing over grammar and punctuation, she enjoys baking, reading books, and being a proud dog mom.

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The national average auto insurance premium is $3,017 per year, and it's not easy for many drivers to squeeze that into their budgets. Fortunately, those who work with the best car insurance in Massachusetts can typically find coverage for a lot less.

Check out our picks for the best car insurance in Massachusetts below, along with important information all drivers need to know before getting behind the wheel in Massachusetts.

Best auto insurance in Massachusetts:

  • Best overall: Geico
  • Best budget pick: Geico
  • Best for typical drivers: Geico
  • Best for customer satisfaction: Amica
  • Best for minimum coverage: Plymouth Rock Assurance
  • Best for military veterans: USAA
  • Best for teen drivers: Geico
  • Best for drivers with one speeding ticket: Geico

Best overall: Geico

Geico is our choice for the best car insurance in Massachusetts because it offers comprehensive policies with some of the lowest average rates around. The company also earned high ratings for its customer service within the state, taking the top spot in the New England region of J.D. Power's U.S. Auto Insurance Study.

Best budget pick: Geico

Geico's average annual premium for Massachusetts drivers is just $1,276. That's well under the state average of $2,315 per year. And drivers who qualify for some of the company's many discounts could pay even less.

Best for typical drivers: Geico

Those with clean records only pay about $1,037 per year with Geico. Couple that with strong customer service and it's tough to beat this deal.

Best for customer satisfaction: Amica

Though Geico bested Amica in the New England region of J.D. Power's U.S. Auto Insurance Study, Amica came in a close second. It also took the top spot in the U.S. Auto Claims Satisfaction Study, which looked at providers all across the nation. Amica also boasts an A+ rating with the Better Business Bureau.

Best for minimum coverage: Plymouth Rock Assurance

Price is most drivers' top priority when seeking minimum coverage, and Plymouth Rock Assurance wins here. Its average annual premium for state minimum coverage is just $382 -- well under the state average of $582 per year.

Best for military veterans: USAA

USAA is only available to active-duty military members, veterans, and their family members. It's known for providing outstanding customer service, and its rates aren't bad either. Massachusetts members only pay $1,182 per year on average.

Best for teen drivers: Geico

Teens have some of the highest average Massachusetts auto insurance premiums at $5,140 per year. But those who go with Geico only pay about $2,829 per year. The company also offers good student and driver's education discounts to help teens save even more.

Best for drivers with one speeding ticket: Geico

A single speeding ticket pushes the average Massachusetts car insurance premium up to $2,222 per year. But those who go with Geico pay close to half that. Their average annual premium is just $1,154.

How much does car insurance cost in Massachusetts?

Massachusetts car insurance premiums are actually below average compared to the rest of the nation. Check out how much it charges for several common types of drivers in the table below. But keep in mind that an individual's specific rate could vary significantly based on their accident history, vehicle make and model, and more.

Driver Persona Average Monthly Premium Average Annual Premium
Overall $192.92 $2,315
Drivers With Clean Records $145.83 $1,750
Teen Drivers $428.33 $5,140
Senior Drivers $115.33 $1,384
Military Drivers $145.58 $1,747
Drivers With 1 Accident $239.42 $2,873
Drivers With 1 Speeding Ticket $185.17 $2,222
Drivers With 1 DUI $282.17 $3,386
Drivers Seeking Minimum Coverage $48.50 $582
Data source: Motley Fool Money's analysis of standardized personas.

Massachusetts auto insurance laws

Here are a few Massachusetts auto insurance laws all drivers should be aware of.

Massachusetts is a no-fault state

Massachusetts is one of the country's few no-fault states. This means that in the event of an accident, each person bills their own insurance for medical expenses regardless of who was at fault. It's different from at-fault states where the driver who causes the accident must pay the bills.

Insurers can't use socioeconomic factors against drivers

Massachusetts law prohibits insurance companies from using socioeconomic factors when determining auto insurance rates. This includes:

  • Sex
  • Marital status
  • Race
  • Creed
  • National origin
  • Religion
  • Age (except for providing senior discounts)
  • Occupation
  • Income
  • Education
  • Homeownership

Consequences for driving without insurance in Massachusetts

Massachusetts drivers who skip auto insurance face steep penalties, including:

  • Fines between $500 and $5,000
  • Imprisonment of up to one year

What is the minimum car insurance required in Massachusetts?

To avoid the above penalties, drivers must purchase at least the following car insurance:

  • $20,000 of bodily injury liability coverage per person
  • $40,000 of bodily injury liability coverage per accident
  • $5,000 of property damage liability coverage
  • $8,000 of personal injury protection (PIP)
  • $20,000 of uninsured motorist coverage per person
  • $40,000 of uninsured motorist coverage per accident

Other things to consider when looking for car insurance in Massachusetts

Here are a few other things Massachusetts drivers should be aware of when shopping for coverage:

State minimum coverage may not always be sufficient

Massachusetts' state minimum bodily injury and property damage liability coverage requirements are a little under what many other states require. They may not be enough to cover the damages in a severe accident, leaving the driver on the hook for any remaining charges. Those who would like to avoid this may want to consider higher policy limits if possible.

State minimum coverage doesn't protect the policyholder's vehicle

State-mandated auto insurance doesn't include any protection for the driver's own vehicle. If they cause a crash or are involved in a single-car accident, they'll have to pay for repairs on their own unless they invest in collision and comprehensive coverage.

How to find the best car insurance in Massachusetts

Here are a few tips to help Massachusetts drivers save on their auto insurance:

  • Shop around: Every company has its own formula for determining rates. The only way to know which offers the best deal to a particular driver is to compare quotes from a few insurers before buying.
  • Review the discounts: More car insurance discounts don't always translate to a lower premium. But it doesn't hurt to review the list of discounts an insurer offers, especially for drivers with special circumstances, like owning a hybrid vehicle or being in the military. These drivers may want to explore companies that reward them for these things.
  • Raise the deductible: Going with a higher auto insurance deductible lowers monthly premiums. But drivers who do this may want to save for the deductible in an emergency fund so they're prepared in case of an accident.

FAQs

  • Massachusetts drivers need auto insurance at all times to drive legally. It's mandated by state law.

  • Drivers who skip auto insurance in Massachusetts could face fines of up to $5,000, imprisonment for up to one year, or both.

  • Geico is the best car insurance company in Massachusetts. It offers affordable rates to many drivers as well as above-average customer service.