Best Car Insurance in Massachusetts for 2024

Travelers is the best car insurance company in Massachusetts overall, according to NerdWallet’s analysis.
Updated
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Written by Isabel Contreras
Lead Writer
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Edited by Lacie Glover
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Driving in Massachusetts can make you want to get the best car insurance you can find — anything less just doesn’t cut it when venturing onto I-90. But finding solid auto coverage from a stand-up provider that fits your needs is not always easy, so we’ve put in the legwork for you.

NerdWallet looked at 18 insurers available in Massachusetts to find the top companies for the following categories:

If you’re looking for the most affordable car insurance in the Bay State, check out NerdWallet’s rate analysis of the cheapest car insurance in Massachusetts. And if you’d rather browse a full list of the best car insurance companies in Massachusetts, you can jump to the bottom of the page.

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NerdWallet’s editorial team considered financial strength, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Massachusetts. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best auto insurance companies is likely to change.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance; a company’s ratings for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Massachusetts overall: Travelers

One of the largest auto insurers in the nation, Travelers provides a wide range of coverage types including gap insurance and premier new car replacement, which pays to replace your new car if it's totaled within the first five years. This insurer also offers a diverse set of discounts that reward automatic payments, safe driving, customer loyalty and more.

On top of its vast offerings, Travelers holds a strong presence in the Bay State. With over 1,300 insurance agency partnerships, Travelers is a great option for Massachusetts drivers looking for in-person attention. But its mobile app and the option to file claims, get quotes and make payments online makes it a good option for the tech-savvy as well. All this makes Travelers the best car insurance company in Massachusetts overall.

Read NerdWallet’s Travelers auto insurance review to see why this insurer tops our list.

Best star rating
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best star rating

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best budget auto insurance in Massachusetts: Geico

Out of the 10 Massachusetts car insurance companies we evaluated with a 4.5 star ranking or above, Geico is the cheapest. This insurer offers top-tier coverage and customer service on a budget, which might explain why New England respondents ranked it as the top insurer for overall customer satisfaction in J.D. Power’s 2023 U.S. Insurance Study

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This insurer is best for those who don’t need or want much agent interaction: Geico agents work in fewer Massachusetts locations than other large insurers. However, its user-friendly website and mobile app make filing claims and making changes to your policy online easy. And, while Geico offers fewer coverage options than some of its competitors, slimmer policies and its wide range of discounts can make Geico’s budget-friendly premiums even cheaper.

Read NerdWallet's Geico auto insurance review to learn more.

Best budget pick
insurance-product-card-logo

Geico

5.0

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected
Best budget pick

Geico

5.0

NerdWallet rating 
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Best car insurance in Massachusetts for having few customer complaints: Mapfre

The largest auto insurer in Massachusetts, Mapfre boasts the lowest number of customer complaints to state regulators relative to its market share. This Spain-based insurer offers a wide variety of coverage options and add-ons, including accident forgiveness and a disappearing deductible, which decreases your deductible for each year you maintain a clean driving record. Mapfre also offers discounts for bundling different insurance plans, driving safely and more.

Mapfre sells policies through independent agents, but drivers can also get a quote, file claims and make payments online. Its ePICS program can speed up the claims process by giving drivers the ability to provide photos of damage to their vehicles via email. For more details, read NerdWallet’s Mapfre auto insurance review.

Best for having few customer complaints
insurance-product-card-logo

Mapfre

4.5

NerdWallet rating 

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected
Best for having few customer complaints

Mapfre

4.5

NerdWallet rating 

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Best Massachusetts auto insurance for ease of use: Farmers and Progressive

Farmers and Progressive share the top spot for the best auto insurance in Massachusetts for ease of use. With 4.5 NerdWallet star ratings, they both offer plenty of discounts and options for policyholders to personalize their coverage.

These two auto insurers are among the largest in the country. They both give drivers the option to get quotes, pay their bills and file claims online, and their apps boast high scores on app stores.

Read our Progressive auto insurance review and our Farmers auto insurance review to see why they top the ease of use category in Massachusetts.

Best for ease-of-use
insurance-product-card-logo

Farmers

4.5

NerdWallet rating 
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease-of-use

Farmers

4.5

NerdWallet rating 
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease-of-use
insurance-product-card-logo

Progressive

4.5

NerdWallet rating 
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected
Best for ease-of-use

Progressive

4.5

NerdWallet rating 
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Full list of the best auto insurance companies in Massachusetts

Out of the 18 car insurers NerdWallet analyzed, here is the full list of the best car insurance companies in Massachusetts, all with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is available only to military, veterans, and their families.

How to get the best car insurance in Massachusetts

Still not sure which company to go with? Try these tips:

  • Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.

  • Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.

  • Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.

  • Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.

Here’s how we evaluated each car insurance company in 2024 and the weights we placed on each category:

  • Financial strength (30%).

  • Consumer complaints (30%).

  • Ease of use (20%).

  • Affordability (20%).

The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology

NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.

In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.

These are median rates, and your rate will vary based on your personal details, state and insurance provider.

Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a DUI, we added a single drunken-driving violation.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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