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Best Car Insurance in Massachusetts for 2024
Travelers is the best car insurance company in Massachusetts overall, according to NerdWallet’s analysis.
Isabel is a lead writer at NerdWallet covering auto insurance. She's also got a knack for finding stories buried in data. Previously, Isabel worked as a personal finance writer for Morning Brew’s Money Scoop and as a markets reporter at Forbes, where she covered everything from fintech and crypto to billionaires and IPOs. Isabel earned her bachelor’s degrees in journalism and economics from Boston University, where she fostered a passion for throwing intimidating jargon out the window to make financial topics accessible to all. She is originally from Mexico City and is currently based in Brooklyn, New York.
Lacie Glover Assigning Editor | Auto insurance, home insurance, other insurance
Lacie Glover spent more than five years covering health care costs and all types of insurance as a NerdWallet writer before becoming an assistant assigning editor in 2019 and later an assigning editor on the insurance team. As a writer, her work was featured in The Associated Press, The Motley Fool and U.S. News & World Report. Lacie is a NerdWallet authority on insurance products and loves data, analytics and solving SEO mysteries.
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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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.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How we found the best car insurance in Massachusetts
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.
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Why you can trust NerdWallet
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.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Received fewer customer complaints than the median.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Cons
Customer satisfaction ratings are below average.
Rideshare insurance is not available in Massachusetts.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Received fewer customer complaints than the median.
Lots of coverage options for auto insurance.
One of the largest insurance providers in the nation.
Cons
Customer satisfaction ratings are below average.
Rideshare insurance is not available in Massachusetts.
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
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.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Robust website and mobile app.
Many discounts available.
Cons
Doesn't offer gap or rideshare insurance.
Limited network of local agents.
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.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Website available in Spanish.
A lot of coverage options and discounts.
Far fewer than expected complaints about auto insurance to state regulators.
Cons
Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Average set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Pros
Website available in Spanish.
A lot of coverage options and discounts.
Far fewer than expected complaints about auto insurance to state regulators.
Cons
Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
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.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Rated above average in customer satisfaction for both auto insurance shopping and claims.
Fewer complaints than expected for a company of its size.
Lots of discounts available.
Cons
Below-average customer satisfaction for auto insurance shopping in a recent J.D. Power study.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Pros
Rated above average in customer satisfaction for both auto insurance shopping and claims.
Fewer complaints than expected for a company of its size.
Lots of discounts available.
Cons
Below-average customer satisfaction for auto insurance shopping in a recent J.D. Power study.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Pros
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Cons
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
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.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
NerdWallet's ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
*USAA is available only to military, veterans, and their families.
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.
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” and “poor” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are average 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.
We used the same assumptions for all other driver profiles, with the following exceptions:
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit. In states where credit isn’t taken into account, we only used rates for “good credit.”
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.
We used a 2021 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for a 35-year-old driver.
