Best Massachusetts Auto Insurance

The best Massachusetts auto insurance company is Amica, who offers up to 25 percent in Massachusetts auto insurance discounts. Massachusetts requires that drivers have both liability and uninsured motorist coverage, along with personal injury protection. Find the best Massachusetts car insurance for you today by reading on.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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When it comes to comparing 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 auto insurance 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. Read more to learn about the best Massachusetts auto insurance. Enter your ZIP code above to get a FREE quote today.

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. You can also get high-risk auto insurance in Massachusetts.

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. When selecting your insurance policy, check with one of the state’s many insurance agents on applicable discounts, such as a multi-car discount for your household.

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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. However, Massachusetts car rates differ by town so moving within the state will cause your rates to change. Maintaining a clean driving record can allow you to access the most competitive rates.

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 (at-fault accidents). 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 Process

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

Who has the cheapest auto insurance in Massachusetts? These three companies hit all the marks for Massachusetts drivers, with great rates and the best service in the business.

Amica Mutual

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 Insurance Agency 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.

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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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