The Best Car Insurance in Massachusetts

Whether you’re heading to Boston for a day at the Isabella Stewart Gardner Museum, Cape Cod for some much-needed relaxing on the beach, or Cambridge for a tour of the iconic Harvard campus, all drivers in the Old Bay State are required to have an active and adequate car insurance policy.

Parsing through the insurance marketplace for the right Massachusetts car insurance policy for your needs can be tough since there are so many great insurers and policies out there. Let’s take a look at how you can find the best policy for your needs and how you can save a couple of bucks on your premiums so you can splurge on a fresh lobster roll without thinking twice. 

Finding the right auto insurance in Massachusetts for your needs may involve some research and compromise, but that’s why we’re here to help. Policies are subjective to the driver, so the best policy for one person may not be the best for others. Typically, a policyholder will look at two essential factors when choosing their insurer and building their policy: cost and coverage. 

Those who value cost over coverage will likely want a policy with the minimum legal amount of coverage from an insurer that offers low base rates for all policies. Drivers who value coverage over cost will likely want a full coverage policy from an insurer that offers plenty of optional coverage options. 

Those who value cost and coverage equally don’t have to choose one or the other but may have to compromise somewhere in the middle. Typically, drivers who value both cost and coverage will carry a full coverage policy from an insurer that offers low base rates and many opportunities for discounts. 

Regardless of what you value most in your policy, it’s essential to carry one that meets the legal requirements. State law in the Old Bay State maintains that all drivers must have a car insurance policy with at least $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident, $5,000 in property damage liability per accident (20/40/5 liability coverage), $20,000 in bodily injury uninsured motorist coverage per person, $40,000 in bodily injury uninsured motorist coverage per accident (20/40 UMBI), and $8,000 in personal injury protection (PIP) per person, per accident. 

Those who finance or lease their vehicles may be required to carry comprehensive and collision coverages as part of their legally binding contract. Driving without sufficient car insurance coverage is illegal in Massachusetts. Drivers who fail to comply with the insurance laws in the state may face fines, fees, license and registration suspension, jail time, and risk filing for SR-22 insurance. 

When searching through the host of car insurance companies in Massachusetts, narrowing your search to the insurer that best suits your needs can be tough. The most efficient way to conduct your search is to decide what you value most in a policy: cost or coverage. From there, you can analyze quotes from several insurers that meet your needs and make the most informed decision about your policy. 

Policies are subjective to the policyholder, as values differ from driver to driver. Just as policies vary, premiums do too. Insurers use characteristics unique to each policyholder to determine their rates, like one’s driving record, insurance history, and a handful of non-driving factors. Typically, one’s driving record and insurance history will hold the most weight as insurers determine one’s premiums. 

Insurers may use factors unrelated to one’s driving habits, like age, gender, and ZIP code, among other factors, when determining premiums. These factors help insurers understand a driver’s risk of filing a claim. If a driver has a higher-than-average risk of filing a claim, an insurer may consider them a high-risk driver and translate the risk into higher premiums. While risk is most easily determined based on driving record or insurance history, insurers may use statistics correlating with non-driving factors to further assess their risk of filing a claim.

For example, drivers in densely populated ZIP codes are more likely to get into an accident and file a claim because more drivers are on the road. So, drivers in Boston may pay higher premiums than those in Salem, even with a clean driving record. 

If the factors that go into your premium calculation are working against you, all hope for the best auto insurance rates in Massachusetts isn’t lost quite yet. Many drivers find the cheapest policy in the state by hunting down an insurer offering lower-than-average base rates and stackable discounts to reduce their premiums while maintaining a full coverage policy. 

The best auto insurance companies in Massachusetts offer competitively low rates for full coverage policies, plenty of additional coverage options, and a plethora of stackable discounts to lower one’s premiums even further. The average full coverage policy in the Old Bay State costs about $1,330 annually, or about 20% cheaper than the national average of $1,670 annually. Getting the coverage that helps you feel safe behind the wheel is essential when building your policy, but when it comes to the best car insurance, Massachusetts residents often feel getting cheaper than average rates is the cherry on top of an excellent policy.

It’s essential to remember that the best insurer for one driver may not be the best fit for others. It’s always in your best interest to bind a policy with an insurer that checks all your boxes and doesn’t require you to make any compromises or sacrifices that go against what you value in your policy. However, it’s also crucial to remember that Massachusetts is a no-fault state, so drivers must carry an amount of coverage they’re comfortable with since they default to their own coverage instead of the at-fault driver’s coverage in the event of an accident. 

Whether for their stackable discounts, range of coverages, or lower-than-average base rates, the top-rated auto insurance companies in Massachusetts have garnered interest across the state from Old Bayers of all ages and backgrounds. 

Let’s check out some of the insurers Bay Staters can’t get enough of because of their competitive rates and excellent coverage options. 

One of the top insurers in the Old Bay State is our partner, Travelers. Travelers offers a wide range of additional coverage policyholders can add to their full coverage policies and excellent customer service. The average full coverage policy with this insurer costs about $2,080 annually, a bit more expensive than the state average. However, Travelers offers competitively low base rates for drivers of all ages and risk levels. They also offer a variety of discounts policyholders may stack to lower their premiums.

Allstate is a fan favorite in Massachusetts, with the average full coverage policy costing about $1,810 annually. This insurer offers competitive rates for all drivers, not just those with a clean driving record. Plus, the insurer offers a range of discounts policyholders can use to further reduce their premiums. For example, Allstate offers a new car discount for those who have or buy a new car and an anti-theft discount for those who have anti-theft or other safety devices in their vehicles.

Our partner, Progressive, is another high-ranking insurer in Massachusetts. Progressive offers top-of-the-line customer service for its policyholders, various additional coverages for those with full coverage policies, and plenty of discounts for policyholders to stack onto their premiums. The average full coverage policy with Progressive in the Old Bay State costs about $1,730 annually, a bit higher than the state average. However, this insurer offers discounts like a usage-based telematics program where drivers can participate to earn savings for making good choices behind the wheel and a bundling discount for those who bundle home and auto insurance. 

Many Old Bayers bind with Geico because of their low base rates and exceptional coverage options. On average, a full coverage policy in Massachusetts with this insurer costs about $1,390 annually, or about 5% more than the state average. However, policyholders may easily reduce their premiums by stacking some of Geico’s many discounts, like their pay-per-mile program or student discount for young drivers who earn good grades in school.

State Farm is renowned in the Old Bay State for its lower-than-average base rates and excellent coverage options for drivers of all ages and skill levels. On average, a full coverage policy in Massachusetts with State Farm costs about $1,210, or about 10% cheaper than the state average. With State Farm, it’s savings on top of savings. Not only does this insurer offer a lower-than-average discount, but they also offer plenty of stackable discounts policyholders can use to lower their premiums even more. For example, State Farm offers good driver discounts for drivers who go a certain number of months accident-free and a discount for those who insure multiple cars on one policy, among many other ways to save.

The best Massachusetts auto insurance company is subjective to each policyholder, but the company with the best rates in the Old Bay State is State Farm. The average full coverage policy with State Farm is about $1,210 annually in Massachusetts, which is about 10% cheaper than the average rate in the state of $1,330 annually. Plus, State Farm is known for its many coverage options, discounts, and top-of-the-line customer service. 

State Farm may be the best insurer for drivers who value cost over coverage but don’t mind saving a few extra dollars here and there. However, a full coverage policy may not be the best for every driver, as the premiums associated with such coverage can get expensive. If the best policy for you is a minimum coverage policy, it’s a good idea to do some research and some quote comparison to find an insurer with the lowest rates for a policy that meets the legal minimum requirements but doesn’t exceed them. 

Sifting through all the Massachusetts auto insurance companies to find the right policy for your needs and budget can be tough, but it isn’t impossible. The best way to find a policy that works for you is to get and compare quotes online. By getting and comparing quotes from several insurers, you can tailor your coverage (and premiums) to best suit your lifestyle. 

Lucky for you, quotes are our specialty. Here at Clovered, we have a free quoting tool you can use to get unique quotes from the state’s top insurers in minutes. If you prefer to speak to a professional about your quote, contact one of our licensed agents at 833-255-4117 or [email protected] for direct assistance.