UPDATED: Mar 18, 2020
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When it comes to car insurance rates, Massachusetts rates fall right in the middle of the pack, with the average for the state falling just under the national average by a little less than $100. Although rates in the state are not the lowest, Massachusetts has one of the lowest rates of uninsured drivers in the nation.
Fewer uninsured motorists do help keep rates competitive, and there are a lot of options for a great deal on car insurance in the state.
The Basics of Auto Insurance in Massachusetts
Massachusetts law requires several categories of coverage that all drivers must have in order to be on the road legally. Like most states, the first requirement is liability insurance. The minimum requirements for the state are $20,000 per person and $40,000 per incident to pay for bodily injury, and $5,000 for property damage.
The state also requires that all drivers carry uninsured/underinsured motorist coverage for bodily injury at the same limits as the liability coverage.
Finally, personal injury protection (PIP) is required for the minimum amount of $8,000. This pays for injuries to anyone who is in your car at the time of an accident, regardless of who is at fault.
There are no other coverage requirements to meet state law, but drivers that have a loan on their vehicle will likely be required by the lender to carry both comprehensive coverage and collision coverage.
Specifics of Massachusetts Auto Insurance
There are no specific requirements to know about in Massachusetts beyond the minimums you have to carry to comply with the law.
You should, however, be aware that state law does allow lawsuits after an accident, and that you can be held personally responsible for any damages, injuries, and pain and suffering caused by an accident in which you are found at fault. That means that it is more than just a good idea to carry more than the legal minimums, which are unlikely to be adequate for anything more than a minor accident.
Our top priority when it comes to recommending a car insurance company is to make sure they are going to be there for you when you need them. We use ratings from reputable sources like J.D. Power as well as our own research into company reputation to make sure all of our top picks are known for great customer service as well as for handling claims quickly and to their customer’s satisfaction.
The next piece of the puzzle is the company’s rates, the factor that often looms largest for insurance shoppers. All of our top picks have good rates to go along with their excellent reputation, which adds up to the best value in car insurance for drivers. The lowest rate is not always the best choice – an important fact to keep in mind – so we made sure that low rates are matched with great service.
We chose companies that are accessible to all Massachusetts drivers to ensure our list is useful to a wide range of people. There are some excellent companies that have eligibility requirements – USAA is always a top pick for military members – but this list sticks to those open to the general public.
Our Top Picks
These three companies hit all the marks for Massachusetts drivers, with great rates and the best service in the business.
Amica Mutual is at the top of the heap both nationwide and in New England, ranking at number one in J.D. Power’s list for claims satisfaction and regional customer satisfaction. In fact, they are the top-ranked company for home insurance too, which makes them a great choice if you’re looking to bundle auto insurance and home insurance.
Amica’s rates are not the least expensive, but they are very reasonable, especially if you factor in the impressive auto/home discount that can save you up to 25%. That makes them a top pick for value across the board.
It may surprise some people, but Allstate actually offers some of the best rates to Massachusetts drivers, and it is also one of the biggest companies in the country. They ranked in the top five for New England on J.D. Power’s regional survey, and they also have a great auto/home discount when you bundle.
Allstate is a great choice for anyone that prefers to work with an agent and for those looking for the backing of a major national insurance company. Finally, they have one of the most comprehensive lists of available discounts, which means you can get that rate down even further.
For those who want quick online service, direct buy, and a low rate, it is hard to go wrong with Geico. They are the second largest car insurance company in the country and continue to grow for good reason – satisfied customers and low rates.
Geico also lands in the top five on J.D. Power’s New England insurers list, and it has one of the best mobile apps around so they’ll appeal to the smartphone generation. Geico is not just great for the younger crowd – Geico has great rates for all ages.
Shopping for Car Insurance in Massachusetts
Shopping around regularly is the best way to make sure you are always getting the best deal on your car insurance. Although Massachusetts is a small state, there are a lot of insurance companies to choose from both local and national, and the best way to find the right policy for you is the take the time to compare them.
Before you shop, make sure you know what coverage level you need. As previously mentioned, the legal minimum will get you on the road but will not protect you adequately, so shop higher limits; you’ll likely find it does not cost much more to get better coverage. Make sure every company that gives you a quote is providing that quote for the same limits so that your rate comparison is an accurate one; you cannot compare a bare-bones policy to a more comprehensive one.
Shop your home insurance around at the same time as your car insurance to see how much you could save overall; at many companies the auto/home discount is the biggest one you can get. It is well worth tacking on the additional quote since you’re taking the time to shop anyway. Bundling is not always the best deal, but it’s certainly worth running the numbers.
The Bottom Line
Massachusetts drivers should have no difficulty getting a great policy at a great price, with a lot of options to choose from and rates that generally fall a little below the national average. Any of our top picks are a safe bet, but you should take the time to compare them to be sure it’s the right pick for your personal needs.
For a list of companies that we recommend, visit our Best Insurance Companies page.