Fact CheckedNerdWallet’s editorial team collected data on 16 auto insurers in Massachusetts and scored them for a variety of factors, including customer experience, online features and discounts. Amica won the top spot in our rankings, but there are plenty of other car insurance companies in Massachusetts that we rated highly.
Our March 2026 picks for the best car insurance companies in Massachusetts are:
Category winner | NerdWallet star rating |
|---|---|
Best overall car insurance company: Amica | |
Best for budgeting shoppers: GEICO | |
Best for customer complaints: Preferred Mutual | 4.7NerdWallet rating |
Best coverage options: Progressive | |
Best small or regional insurer: Plymouth Rock |
For our list of the best car insurance companies in Massachusetts, we considered only insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience. These ratings 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 (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use. This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on Apple and Google Play store ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save. We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
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Best car insurance company in Massachusetts: Amica
Full coverage
$196 /month
Liability only
$60 /month
Low consumer complaints and a wide variety of policy perks and discounts make Amica a top-rated choice for good drivers.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,352 $719 One speeding ticket, good credit $2,796 $890 One at-fault crash, good credit $3,747 $1,253 One DUI, good credit $4,916 $1,600 Clean driving record, poor credit $2,352 $719
Best for shopping on a budget: GEICO
Full coverage
$101 /month
Liability only
$41 /month
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
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why budgeting shoppers might like GEICO: We found that GEICO often has some of the best car insurance rates in Massachusetts, on average, for good drivers as well as drivers with one accident, ticket or DUI citation on record. GEICO’s large selection of discounts could help drivers find rates that are even cheaper.
GEICO also has great digital features. For example, the GEICO app — which is highly rated on both Android and iOS devices — lets you get an estimate for your car’s damage after a crash by taking a photo. You can also get quotes and start a policy online, eliminating the need to talk to an agent.
Don’t pick GEICO if: You want to add extra coverage to a basic policy. GEICO offers only a few add-ons, including equipment breakdown coverage.
How much is GEICO car insurance in Massachusetts? The average cost of car insurance from GEICO for someone in Massachusetts with a clean driving record is $101 per month, or $1,209 per year for full coverage. That’s compared to the statewide average of $1,851 per year.
» Read the full review: GEICO auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,209 $486 One speeding ticket, good credit $1,341 $539 One at-fault crash, good credit $1,771 $722 One DUI, good credit $2,027 $826 Clean driving record, poor credit $1,209 $486
Best for customer satisfaction: Preferred Mutual
Full coverage
$126 /month
Liability only
$46 /month
Preferred Mutual is a small insurer, but it could be worth considering if you’re looking for a local option with straightforward coverage and a few extras.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: MA, NH, NJ, & NY.
Why we chose Preferred Mutual for customer satisfaction: Preferred Mutual, a small insurer offering coverage in Massachusetts and New York, earns far fewer complaints from policyholders than expected for its size. This could suggest a relatively smooth claims process.
According to our analysis, Preferred Mutual may also offer some drivers in Massachusetts better rates than the state average. We found that rates from Preferred Mutual for good drivers and drivers with a recent accident or violation often compare well to other insurers in the state.
Don’t pick Preferred Mutual if: You’re looking for a policy that’s decked out with tons of bells and whistles. Other insurers may offer more coverage options, though Preferred Mutual does offer new car replacement (at no cost) and accident forgiveness to some drivers in Massachusetts.
How much is Preferred Mutual car insurance in Massachusetts? The average cost of car insurance from Preferred Mutual for someone in Massachusetts with a clean driving record is $126 per month, or $1,506 per year for full coverage. That’s compared to the statewide average of $1,851 per year.
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,506 $553 One speeding ticket, good credit $1,836 $663 One at-fault crash, good credit $1,836 $663 One DUI, good credit $3,005 $1,147 Clean driving record, poor credit $1,506 $553
Best for coverage options: Progressive
Full coverage
$131 /month
Liability only
$66 /month
Progressive offers a variety of discounts and insurance products to cater to most people, though there’s room for improvement when it comes to customer satisfaction.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Fewer than expected
Available in: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, & WY.
Why we like the coverage options Progressive offers: If you have a Progressive policy that has collision coverage, it may help covering your pet’s injuries after an accident. Progressive also offers gap insurance, custom parts coverage and coverage for your car’s mechanical systems.
Accident forgiveness is also available, and you may be able to qualify for it without purchasing it.
Progressive has solid digital features, too. You can get quotes and start a policy online, so you don’t have to speak with an agent if you don’t want to. You can also use the Progressive app — which is highly rated in the Google Play and Apple app stores — to pay your bill, make and track claims and contract roadside assistance after a car breakdown.
Don’t pick Progressive if: You’re looking for the cheapest rates in Massachusetts. Progressive tends to have better rates than average, but other insurers may offer even lower coverage.
How much is Progressive car insurance in Massachusetts? The average cost of car insurance from Progressive for someone in Massachusetts with a clean driving record is $131 per month, or $1,566 per year for full coverage. That’s compared to the statewide average of $1,851 per year.
» Read the full review: Progressive auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,566 $794 One speeding ticket, good credit $2,007 $971 One at-fault crash, good credit $2,212 $1,064 One DUI, good credit $1,813 $873 Clean driving record, poor credit $1,566 $794
Best regional car insurance company: Plymouth Rock
Full coverage
$131 /month
Liability only
$53 /month
Plymouth Rock offers a variety of car insurance types and discounts. Good drivers may also lower their rates via one of Plymouth Rock’s usage-based insurance programs.
Discounts
Great set of discounts
Ease of use
Above average
NAIC complaints
Far fewer than expected
Available in: CT, MA, NH, NJ, NY, & PA.
Why local shoppers might like Plymouth Rock: Plymouth Rock is a great choice for drivers in Massachusetts looking for car insurance from a local insurer.
Coverage from Plymouth Rock may be bought individually or as a part of a coverage package. This could could make it more convenient to get a policy. Some options may include property protection, gap coverage, accident forgiveness and new and better car replacement.
Plymouth Rock may also have better rates than average for some drivers in Massachusetts. Low rates combined with a great set of discounts could make Plymouth Rock a top choice for budget-hunting drivers.
If you're a local sports fan, you might be interested in Plymouth Rock's partnerships with the Boston Red Sox, Boston Bruins and the New England Patriots. Enroll in the program that corresponds with your favorite team and you could catch deals on tickets, merch, fan events and more.
Don’t pick Plymouth Rock if: You’re wary of low J.D. Power scores. Plymouth Rock was rated below average in the New England segment of the Auto Insurance Study, which measures customer satisfaction in a specific region. However, Plymouth Rock earns far fewer complaints than expected for a company of its size.
How much is Plymouth Rock car insurance in Massachusetts? The average cost of car insurance from Plymouth Rock for someone in Massachusetts with a clean driving record is $131 per month, or $1,573 per year for full coverage. That’s compared to the statewide average of $1,851 per year.
» Read the full review: Plymouth Rock auto insurance review
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,573 $633 One speeding ticket, good credit $2,308 $942 One at-fault crash, good credit $2,397 $1,039 One DUI, good credit $2,507 $1,072 Clean driving record, poor credit $1,573 $633
Full list of the best car insurance companies in Massachusetts
There’s not really one company that offers the best car insurance for everyone. Drivers have different needs that can narrow down the number of insurers that would be a good match for them. A person’s household, vehicle, age, location and driving record can all help determine which insurer is the best fit for them.
Of all of the top-rated car insurance companies in Massachusetts, here are the ones we think are best for certain types of drivers:
Company | Star rating |
|---|---|
Best overall car insurance company: Amica | |
Best budget pick: GEICO | |
Best for customer complaints: Preferred Mutual | 4.7NerdWallet rating |
Best coverage options: Progressive | |
Best small or regional insurer: Plymouth Rock | |
Best for usage-based insurance: Nationwide | |
Best for senior-age drivers: The Hartford | |
Best for high-risk drivers: Direct Auto | |
Best for military families: USAA* | |
*USAA is only available to military, veterans and their families. | |
Here is the full list of car insurance companies reviewed by NerdWallet. Not all insurers offer policies in every state, however.
What to know about car insurance in Massachusetts
For the most part, car insurance works about the same in Massachusetts as in other states. One main difference from nearly all other states is that Massachusetts doesn’t allow your credit history to factor into your rates at all. Insurers will usually charge higher rates to drivers with poor credit in most states.
Massachusetts requires drivers to get these types of car insurance:
Bodily injury liability insurance. This coverage helps to pay for the injuries that you cause to others.
Property damage liability insurance. Similar to bodily injury liability coverage, this type of insurance helps repair or replace the property of others that you damage.
Uninsured motorist coverage. If you’re hit by someone who doesn’t have insurance, your policy would cover the injuries of you and any of your passengers.
Personal Injury Protection (PIP). Your policy helps to cover your injuries and lost wages if you’re injured in an accident, regardless of who’s at fault.
Most drivers need more insurance than what Massachusetts requires. One shortfall of a basic policy is that it won’t cover your own car’s damage after a wreck unless another driver was at fault. But a policy with comprehensive and collision insurance could provide this kind of protection after most types of damage, including thefts.
Massachusetts is what’s called a no-fault state, meaning that your PIP helps cover your injuries, regardless of who’s at fault for an accident, before any other coverage.
In Massachusetts, PIP will provide up to $2,000 of medical coverage before your regular health insurance does. PIP can also help replace lost wages, though your policy will only cover up to 75% of your lost wages, up to $8,000.
The average cost of car insurance in Massachusetts is $1,851, but it depends on how much coverage you have and your driving record. Other details like your age, where you live, your car and your insurance company will also affect your rates.
If you’re interested in seeing what you might pay for car insurance in your part of Massachusetts, you could estimate your insurance costs by using our calculator. Just enter some basic information and see what you could pay.
Estimate full coverage rates by ZIP codeEnter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0Some drivers may need to get a policy through the Massachusetts Auto Insurance Plan (MAIP). MAIP isn’t an insurance company, it’s a market where drivers are assigned to insurers in the state to get the coverage they need to legally drive.
How to get the best car insurance in Massachusetts
There are many more insurance companies in Massachusetts than the ones we’ve called out here. If you’re still not sure which one is right for you, or you want to do some research on your own, you can follow these steps.
Understand the coverage you need. While NerdWallet recommends getting more insurance than what Massachusetts requires, you don’t want to get so much coverage that you’re stuck paying for insurance you don’t really need.
Know the type of company that you’re looking for. Some insurers work best for drivers looking for cheap rates. Others are better for drivers looking for robust coverage options or consistently reliable service. Having an idea of your must-haves can help you decide on the right insurer.
Consider other factors that might affect your choice. One detail can change the insurer that's best for you. Your list of top companies may be affected if you work from home and almost never drive, want to bundle policies or need coverage for a new driver in your family.
Shop around at least once a year. The cost of car insurance changes regularly. Before you buy a policy, shop around and compare rates from a few car insurance companies to be sure that yours is still the best choice for your budget.
Don’t shy away from smaller insurers. A small, regional insurance company in Massachusetts may line up best with your coverage needs and budget. An agent or broker could help you find local insurance companies in your area.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Mar 4, 2026.
- 2.J.D. Power. 2025 U.S. Auto Insurance Study. Accessed Mar 4, 2026.
- 3.Mass Dot Gov. Basics of Auto Insurance. Accessed Mar 4, 2026.
- 4.Mass Dot Gov. Massachusetts Auto Insurance Plan (MAIP). Accessed Mar 4, 2026.
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 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 2022-2024. 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 2023 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.
