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Best Auto Insurance in Massachusetts

The most competitive rates, coverage options, and policy perks in Massachusetts.

Best Cheap Auto Insurance in Massachusetts
Geico Logo

Full Coverage Averages in Massachusetts
• Annual Premium: $1,283
• Monthly Premium: $107

Pros + Cons
Cheapest in the state
Discounts for federal workers and military
X Doesn’t underwrite its own home policies

Read our GEICO review.

Best Liability-Only Auto Insurance in Massachusetts
The Hanover Logo

Full Coverage Averages in Massachusetts
• Annual Premium: $1,375
• Monthly Premium: $114

Pros + Cons
Cheapest liability-only coverage
Cheap for teens
X No online quotes

Best Auto Insurance for Drivers With a DUI in Massachusetts
Progressive Logo

Full Coverage Averages in Massachusetts
• Annual Premium: $1,627
• Monthly Premium: $136

Pros + Cons
Cheapest after a DUI
Big savings
X Lowest customer service scores on our list

Read our Progressivereview.

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Searching for affordable car insurance in Massachusetts? Some drivers in Massachusetts have seen their rates increase by more than 40 percent in the past three years, and insurers in the state have asked for an additional six to nine percent increase in 2024.1 These rate increases aren’t unique to Massachusetts, as similar premium hikes are being announced around the country, and individuals and families are feeling the strain of those increases throughout the state and the U.S.

Average Annual Rate in Massachusetts

With an average annual rate of $1,782, Massachusetts is slightly cheaper than the national average. Keep in mind that your rates may differ based on your specific driving history, location, and driving needs.

Area Monthly average premium for full coverage Annual average premium for full coverage
Massachusetts $149 $1,782
The U.S. $160 $1,924

Average Premiums in Massachusetts by City

Cambridge, the state’s fourth-largest city, offers the cheapest rates for a large city ($1,560 annually). Brockton is the most expensive, with an average annual rate of $2,224.

City Monthly average premium Annual average premium
Cambridge $130 $1,560
Lowell $135 $1,617
New Bedford $149 $1,791
Worcester $152 $1,827
Boston $158 $1,892
Springfield $162 $1,946
Brockton $185 $2,224

Blue CarBest Auto Insurance Companies in Massachusetts

  1. GEICO – Best Cheap Auto Insurance in Massachusetts
    GEICO is about $500 cheaper than the state average and our top pick for drivers in Massachusetts looking for the lowest rate.
  2. The Hanover – Best Liability-Only Auto Insurance Massachusetts
    If you’re looking for the most basic auto insurance policy, you’ll find the best rates with The Hanover.
  3. Progressive – Best Auto Insurance for Drivers With a DUI
    One of the largest providers in Massachusetts, Progressive is the cheapest provider for drivers with a DUI both in the country and in the state.

Comparison of the Best Auto Insurance Companies in Massachusetts 2024

Feature GEICO The Hanover Progressive Safety Farmers
Average annual rate in Massachusetts $1,283 $1,375 $1,627 $1,360 $1,499
New England Customer Satisfaction Index Ranking out of 1,000 (J.D. Power)2 836 N/A 802 814 N/A
Best for Drivers on a budget Drivers who only want liability Someone with a DUI on their record People who want to customize their policy People who want to manage their plans online
Agents in Massachusetts Less than 10 100+ 100+ 100+ 10+
Full review GEICO review N/A Progressive review N/A Farmers review

Summary of the Best Auto Insurance in Massachusetts

  1. 1.

    Best Cheap Auto Insurance in Massachusetts: GEICO

  2. 2.

    Best Liability-Only Auto Insurance in Massachusetts: The Hanover

  3. 3.

    Best Auto Insurance for Drivers With a DUI in Massachusetts: Progressive

  4. 4.

    Best Auto Insurance Coverage Options in Massachusetts: Safety Insurance

  5. 5.

    Best Auto Insurance Digital Services in Massachusetts: Farmers

Detailed List of the Best Auto Insurance in Massachusetts 2024

1. Best Cheap Auto Insurance in Massachusetts - GEICO

What We Like Most:

  • Save money with defensive driving courses
  • Cheapest rates after a speeding ticket
  • Save by installing safety equipment

GEICO insures nearly 15 percent of all drivers in Massachusetts, making it the state’s second-largest provider. It also offers the cheapest average rate in the state and is our top pick for drivers on a budget.

ProsWho It's Best For
  • pro
    Drivers on a budget
  • pro
    Federal workers
  • pro
    Military members
  • pro
    Affinity members
ConsWho It's Not Best For
  • con
    Someone who wants to work with a local agent
  • con
    Someone with a bad driving record

Cheapest Provider in Massachusetts

With an average annual rate of $1,283, GEICO offers the cheapest rates to drivers in Massachusetts.

Company Monthly average premium for full coverage Annual average premium for full coverage
GEICO $107 $1,283
Safety $113 $1,360
The Hanover $114 $1,375
Arbella $119 $1,424
Farmers $125 $1,499
Progressive $136 $1,627
Plymouth Rock $154 $1,848

FUN FACT:

Massachusetts has several local/regional providers that insure significant percentages of the state’s drivers. Part of why there are so many regional providers is the absence of the country’s biggest insurer, State Farm. State Farm, which is the largest provider in most states, hasn’t offered insurance to drivers in Massachusetts since 2008, allowing medium-sized insurers to have a larger presence in the state.3

Discounts for Federal Workers

If you’re a part of the 400,000 veterans, active duty military, National Guard members, and military dependents in Massachusetts, you’ll qualify for an auto insurance discount with GEICO.4 Discounts also extend to federal employees, of which there are more than 50,000.5

Discount Maximum savings
Military discount 15%
Emergency deployment discount 25%
Eagle (federal workers) discount 12%
Employee affiliation discount Varies

Additional Coverage for New Cars

If you’ve purchased a new vehicle or are in the market for one, GEICO offers some unique coverage options. Buy a car that’s less than 15 months old and has fewer than 15,000 miles, and you’ll be eligible for GEICO’s mechanical breakdown coverage. Here’s what it comes with:

  • Additional coverage if your vehicle breaks down
  • Protection for all parts and systems in your vehicle after a $250 deductible
  • The option pay smaller premiums for each pay period — as opposed to a large upfront payment
  • The option to choose where you want your car repaired
2. Best Liability-Only Auto Insurance in Massachusetts - The Hanover
The Hanover Logo

What We Like Most:

  • Cheapest in New Hampshire
  • Extra coverage for luxury vehicles
  • Vanishing deductibles for safe drivers

Founded in 1852 in New York City, The Hanover started offering auto insurance in 1911. Today, it writes insurance policies for customers in over 179 countries, generating more than $5 billion in revenue.

If you’re not looking for full coverage and want only liability, The Hanover offers the best average rates in Massachusetts.

ProsWho It's Best For
  • pro
    Drivers who only want liability coverage
  • pro
    Teens
  • pro
    People who want to customize their plan
  • pro
    Someone loaning or leasing a vehicle
ConsWho It's Not Best For

Cheapest Liability-Only Insurance

If you’re looking for a no-frills policy with the minimum liability requirements, or only liability with higher limits, The Hanover offers the cheapest rates in Massachusetts. Here’s how it compares with other major competitors in the state:

Company Liability-only monthly average cost Liability-only annual average cost
The Hanover $57 $678
GEICO $59 $712
Safety $62 $743
Farmers $66 $791
Plymouth Rock $67 $804
Progressive $69 $822
Arbella $79 $945

Cheapest Liability-Only for Teens

Although The Hanover’s full coverage rates are among the most expensive in the state for teens, its minimum liability rates are the most affordable for drivers under the age of 20.

Here’s how The Hanover’s liability-only coverage for teens compares with the other major providers:

Company Liability-only monthly cost for teens Liability-only annual cost for teens
The Hanover $104 $1,244
Safety $109 $1,311
Farmers $111 $1,329
GEICO $116 $1,390
Arbella $122 $1,462
Progressive $123 $1,470
Travelers $134 $1,605

FYI:

Massachusetts law requires drivers to hold bodily injury, property damage, uninsured/underinsured motorist, and personal injury protection (PIP) coverage to drive legally in the state. Here’s what those limits look like in terms of dollar amounts:

  • $20,000/person and $40,000/accident in bodily injury
  • $5,000 in property damage
  • $8,000 in PIP
  • $2,000/person and $40,000/accident in uninsured/underinsured motorist coverage6

Customize Your Plan

Even if you don’t add collision and comprehensive coverage, you may still want some optional coverage for added protection. With The Hanover, you can mix and match different coverage options to create the perfect policy for you and your needs.

Here are a few coverage options you can add to your plan with The Hanover:

  • Deductible dividends: For each year you drive without an accident, The Hanover will reduce your deductible by $100.
  • Accident forgiveness: If you get an accident and have accident forgiveness, you will not see a premium increase — even if you’re at fault.
  • Gap insurance: Often a good idea for drivers leasing or loaning a vehicle, gap insurance will help cover the rest of your loan/lease if your vehicle is a total loss and you owe more than what it’s worth.
3. Best Auto Insurance for Drivers With a DUI in Massachusetts - Progressive

What We Like Most:

  • Cheaper rates for drivers with a DUI
  • Several ways to save if your premium increases
  • Accident forgiveness automatically applies to policy in most states

Progressive is our top national pick for drivers with a DUI, and it’s also our top DUI pick in Massachusetts. With affordable rates for drivers after a DUI, SR-22 offerings, and several ways to bring costs down, you should be able to find competitive rates with Progressive if you have a bad driving record.

ProsWho It's Best For
  • pro
    Someone with a DUI
  • pro
    Someone who needs an SR-22
  • pro
    Homeowners
  • pro
    People who want to bundle auto and home
ConsWho It's Not Best For
  • con
    New and teen drivers
  • con
    Older Americans

Cheapest after a DUI

Drivers with DUIs on their record pay some of the highest rates for auto insurance because of how devastating DUI crashes can be. Drinking and driving contributed to 34 percent of all motor vehicle fatalities in Massachusetts, which was three points higher than the national rate.7

If you have a DUI on their record, you can expect your premiums to increase. While rates can double or even triple after a DUI, Progressive’s average premium increase is only about $400.

Company Monthly cost after a DUI Annual cost after a DUI
Progressive $168 $2,011
Arbella $183 $2,194
GEICO $185 $2,218
Safety $206 $2,477
Hanover $219 $2,632
Farmers $241 $2,891
Travelers $288 $3,460

SR-22 and Non-Owner Insurance

If you have a bad driving record, especially a DUI on your record, there’s a good chance you’ll need an SR-22. Progressive files SR-22s on your behalf and offers non-owners insurance in case you need to reinstate your license and don’t own a car.

Several Ways to Save

Always ask your agent about what kind of offers you’re eligible for to bring your costs down. With Progressive, you may be able to benefit from the following discounts:

  • Multi-policy discount: Bundle auto with your home or motorcycle policy to earn 5 percent on your premium.
  • Multi-vehicle discount: Save up to 12 percent when you insure more than one vehicle with Progressive.
  • Electronic discount: Get your documents electronically, and Progressive will give you a paperless discount.
  • Homeowners discount: Own a home? You may be eligible for a 10 percent discount on your car insurance policy.
  • Good student discount: High school and college students who maintain a B average GPA can earn a 10 percent discount.
  • Teen driver discount: You can get a discount just for adding a teen to your policy.
4. Best Auto Insurance Coverage Options in Massachusetts - Safety Insurance
Safety Insurance Logo

What We Like Most:

  • Great additional coverage options
  • Fifth-largest provider in Massachusetts
  • Best rates for older Americans

Safety serves more than seven percent of the state’s drivers, making it one of Massachusetts’s largest car insurance companies. It also offers unique coverage options, like its Safety Shield and Safety Shield Plus packages, that make it easier to customize your policy and gain additional coverage.

ProsWho It's Best For
  • pro
    Someone who wants to customize their policy
  • pro
    Seniors
  • pro
    Someone who wants to work with a local agent
  • pro
    Pet owners
ConsWho It's Not Best For
  • con
    Someone who wants an online quote
  • con
    Someone who wants a basic policy

Flexible Coverage Options

In Massachusetts, you can add two Safety coverage packages, Safety Shield and Safety Shield Plus, to your policy for added protection. These are optional coverage packages that come with several enhancements.

Coverage Safety Shield Safety Shield Plus
Disappearing collision deductible Yes Yes
Rental loss of income coverage Yes Yes
Guaranteed replacement cost Yes Yes
Personal effects Yes Yes
Emergency road travel expenses Yes Yes
Supplemental towing and labor Yes Yes
Airbag mechanical failure Yes Yes
Extended substitute transportation Yes Yes
Accident forgiveness No Yes
Expanded personal effects coverage No Yes
Pet coverage No Yes
Seat belt coverage No Yes
Bail bonds No Yes

Cheapest Rates for Older Americans

If you’re a senior seeking affordable insurance in Massachusetts, look no further. Safety offers the cheapest rates in the state for seniors, with an average premium of $1,109 per year.

Company Monthly average for seniors Annual average for seniors
Safety $92 $1,109
GEICO $99 $1,182
Plymouth Rock $104 $1,243
Farmers $116 $1,394
The Hanover $117 $1,408
Arbella $119 $1,426
Progressive $129 $1,544

DID YOU KNOW?

Older Americans, between the ages of 50 and 70, tend to pay some of the lowest average rates for car insurance because they have fewer accidents and file fewer claims. That number tends to spike a little in the 70+ age range, but most adults in Massachusetts can expect their rates to drop as they get older.

Few Customer Complaints

The National Association of Insurance Commissioners assesses car insurance companies on how many customer complaints they receive annually. Between 2021 and 2023, Safety averaged a 0.23 complaint score, which means Safety received about four times fewer complaints than competitors, which is a great indicator of customer service and satisfaction efficacy.8

5. Best Auto Insurance Digital Services in Massachusetts - Farmers

What We Like Most:

  • Keeps rates low after one accident
  • Rental coverage available if your car is out of commission
  • More coverage options for damaged parts

Farmers is the 10th-largest provider in Massachusetts and our top pick if you value digital services, usage-based insurance, and managing your policy from your mobile phone.

ProsWho It's Best For
  • pro
    Someone who wants to manage their plan from their phone
  • pro
    Drivers who want usage-based insurance
  • pro
    Safe drivers
  • pro
    Homeowners
ConsWho It's Not Best For
  • con
    Someone with a bad driving record
  • con
    New drivers

Highly Rated Mobile Apps

Between both iOS and Android users, Farmers has some of the highest mobile app ratings out of any provider. Whether you’re filing a claim, staying on top of your payments, or reevaluating your policy details, the Farmers app offers a seamless user experience that customers value.

App Android rating (out of 5 stars) Apple rating (out of 5 stars)
Farmers app 4.6 stars 4.8 stars
Signal 4.1 stars 4.8 stars

Usage-Based Insurance

Farmer’s usage-based insurance app, Signal, is one of the easiest safety driving trackers on the market. You don’t need to attach or plug in any devices. You just download the app, allow Farmers to track your driving habits, and get your score on your next renewal period.

Signal works by tracking your driving habits, scoring based on how safely you drive, and rewarding you for good driving habits at your next renewal period (up to 20 percent off your premium). Signal will track the following driving metrics to determine your score:

  • Braking habits
  • Speed and acceleration
  • Phone usage while driving
  • Monthly mileage
  • The time of day you drive
  • Turn speed

If you exhibit poor driving habits, your rates could increase, so be sure you’re ready for that risk when signing up.

Ample Discount Opportunities

Farmers has a long list of discount offerings that can help bring costs down, incentivize better driving habits and encourage more efficient paying/billing practices. You can earn a Farmers discount if you’re:

  • Driving safely
  • A good student
  • A homeowner
  • Making payments automatically
  • Setting up paperless billing
  • Bundling home and auto policies with Farmers
  • Driving an hybrid, alternative fuel, or electric vehicle 
  • Paying your premium in full

Frequently Asked Questions

What is the fault law in Massachusetts?

Massachusetts is a modified no-fault state, which means that drivers can only be held responsible for an accident if they’re more than 50 percent at fault. Regardless of who’s at fault, the state requires that your insurance company pay for your injuries (based on your policy limit).

Will I pay more for car insurance if I have bad credit in Massachusetts?

No, you won’t pay more car insurance if you have bad credit in Massachusetts. Massachusetts is one of four states—along with California, Hawaii, and Michigan—that does not allow insurance providers to use credit scores at all when calculating premiums.

Which provider has the best rates for teens in Massachusetts?

While The Hanover offers the best rates for teens needing liability-only, GEICO offers the best full coverage rates for teens on average. You can expect to pay around $2,700 for full coverage as a teen with GEICO.

Does Massachusetts offer state-funded low-income insurance?

Massachusetts does not offer a state-funded low-income insurance program. However, drivers can sign up for the Massachusetts Auto Insurance Plan (MAIP) if they can’t find an insurer who will accept their application.

MAIP is not an insurance company, but it works with a large network of car companies to help match drivers with insurers. MAIP is designed for high-risk drivers and drivers with bad records who struggle to find a provider that will voluntarily insure them.

Methodology

We based our survey of the best providers in Massachusetts on four key categories—pricing, claims handling, customer experience, and coverage options. Here’s a breakdown of how each category was assessed:

  • Pricing (40%): We analyzed average annual premiums for full and minimum coverage for good drivers, high-risk drivers, drivers with a bad record, and other common categories in Massachusetts. From age and traffic violation to coverage type and discount opportunities, our rankings are based on average costs and savings for the most common drive types in the state.
  • Claims Handling (25%): We evaluate a company’s claims handling efficacy, as fulfilling claims is an insurance company’s primary service. In Massachusetts, we looked at J.D. Power’s claims satisfaction scores and the NAIC’s customer complaint index to highlight providers who offer the best claims service experience.
  • Customer Experience (25%): From comparing quotes and working with an agent to sign a policy to managing your payments and making changes to your policy, we evaluate the customer experience from top to bottom. We prioritize Massachusetts providers with the best digital services, customer service scores, claims satisfaction scores, and other service metrics.
  • Coverage Options (10%): Although you only need the state’s minimum requirements to drive legally in Massachusetts, we value providers that give you the option to gain extra protection for you and your loved ones. Accident forgiveness, rideshare coverage, gap insurance, new car replacement, and rental reimbursement are just a few ways you can save and some of the main coverage options we look for from providers.

Identifying the most important insurance requirements and measuring them among Massachusetts’s top companies provides us with an objective, data-driven methodology for assessing insurers based on drivers’ most pressing insurance needs.

Citations

  1. Massachusetts car insurance rates increasing, ways to save. WWLP News. (2024, Feb 1).
    https://www.wwlp.com/news/i-team/massachusetts-car-insurance-rates-increasing-ways-to-save/

  2. Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds. J.D. Power. (2023, Jun 13).
    https://www.jdpower.com/business/press-releases/2023-us-auto-insurance-study

  3. State Farm stays out of Mass. Boston Blobe. (2011, Nov 26).
    https://www.bostonglobe.com/business/2011/11/26/mass-draws-many-new-auto-insurers-but-not-state-farm/4hRk9ElWTcuFCo1etdaZ5J/story.html

  4. Massachusetts. Military State Policy Source. (2024).
    https://statepolicy.militaryonesource.mil/state/MA

  5. Current Federal Civilian Employment by State and Congressional District. Congressional Research Service. (2023, Sep 22).
    https://crsreports.congress.gov/product/pdf/R/R47716

  6. Understanding Auto Insurance. Mass.gov. (2024).
    https://www.mass.gov/info-details/understanding-auto-insurance

  7. Drunk Driving and Drugged Driving. Mass.gov. (2024).
    https://www.mass.gov/info-details/drunk-driving-and-drugged-driving

  8. Safety Ins Co National Complaint Index Report. National Association of Insurance Commissioners. (2024).
    https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&Cocode=39454&REALM=PROD&Cocode=39454&REALM=PROD