You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow rigid guidelines to ensure that our column content is not influenced by advertisers. Our editorial team receives no steer compensation from advertisers, and our contented is thoroughly fact-checked to ensure accuracy. indeed, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable data. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in invest to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ ra read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive lineal compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate contented to help you make the right field fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first gear. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which supplier is right for you. Bankrate follows a nonindulgent column policy, so you can trust that we ’ re putting your interests first. All of our content is authored by highly stipulate professionals and reviewed by capable matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take next. While we adhere to strict editorial integrity, this mail may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Based on Bankrate ’ s research, Geico and Amica offer some of the best car policy in Massachusetts, followed closely by Progressive and Allstate. In 2021, the Bay State recorded fair over 120,000 crashes, at least 18,00 of which resulted in injuries. As such, having the best car insurance in Massachusetts for your needs is an necessity piece of your fiscal planning to ensure you have fiscal protection when facing car accident-related damage. For Massachusetts residents, entire coverage car insurance costs an average of $ 1,223 per year, according to Bankrate ’ second study of quoted annual premiums. But when patronize for car policy, Massachusetts drivers may want to consider more than good the price of a policy. coverage options, discounts, policy features and a company ’ randomness third-party customer satisfaction and fiscal lastingness ratings are besides important factors to keep in mind .
Best car insurance companies in Massachusetts
Geico, Amica, Progressive and Allstate offer some of the best car insurance in Massachusetts, according to Bankrate ’ s extensive research. In our search for the best car insurance companies in Massachusetts, we obtained current quote premium information from Quadrant Information Services for the state ’ randomness largest companies by market parcel. We besides analyzed each company ’ s coverage options, discounts and policy features. We combined this information with third-party rankings from J.D. Power for customer avail and AM Best for fiscal potency. Based on our inquiry, we assigned a Bankrate Score to each company, which operates on a scale of 0.0 to 5.0. The higher the Bankrate Score, the better that company ranked across these categories. If you are searching for the best car insurance in Massachusetts, these companies may be worth your retainer :
Geico
Geico ’ s average agio is the lowest on our list. It ’ s besides lower than the modal agio in Massachusetts at big, which is further complemented by the company ’ mho drawn-out list of discounts. Geico offers its policyholders respective ways to save, including discounts for insuring multiple vehicles, having a fomite with certain safety features, being a federal employee or getting commodity grades. The company besides has highly-rated digital service, which might be appealing if you like handling your indemnity on-line or through an app. however, the policies are relatively basic with few options for personalization. Learn more: Geico Insurance review
Amica
Amica ’ south average agio is slightly higher than the state of matter average, but the company offers a alone car policy dividend policy, which could return up to 20 % of your agio as a dividend each year. The ship’s company besides offers respective discounts to help you save, including deals for being accident-free and paying in wide. Although Amica may not be a capital choice for Massachusetts residents with driving incidents on their records, the party could be a great choice for drivers with clean driving histories. Learn more: Amica Insurance review
Progressive
progressive may have the highest agio on our list, but the company could still be worth your prison term if you are looking for a highly customizable policy. optional coverage options include gap insurance, ridesharing coverage and custom parts coverage. You might be able to lower your bounty with Progressive ’ randomness discounts, which include savings for getting a quote and buying a policy on-line, being a homeowner and going paperless. Learn more: Progressive Insurance review
Allstate
Allstate ’ randomness average premium is slightly higher than Massachusetts ’ average, but the company offers enough of discounts that might help lower car policy costs. The Drivewise telematics program can help you learn safer driving habits while saving you money. You might besides save for having certain fomite guard features, insuring a newly car or signing your policy at least seven days before the effective date. however, the National Association of Insurance Commissioners ( NAIC ) does receive a higher-than-average number of complaints about Allstate, with a charge exponent of 2.00.
Read more: The Best Car Insurance Companies for 2022
Learn more: Allstate Insurance reappraisal
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Massachusetts city Average annual premium for full coverage Average annual premium for minimum coverage Boston, Massachusetts $1,554 $613 Brockton, Massachusetts $1,993 $908 Worcester, Massachusetts $1,575 $666 Springfield, Massachusetts $1,695 $800
Average car insurance cost in Massachusetts
The average monetary value of car insurance in Massachusetts is $ 1,223 per annum for full moon coverage and $ 510 per annum for minimum coverage. Massachusetts averages are importantly lower than the national average premiums, which are $ 1,674 per annum for wide coverage and $ 565 per annum for minimum coverage. Studying cable car insurance rates by state can be utilitarian for planning and comparison. however, the factors that impact your car policy are specific to you, so your individual rates will likely be different than these averages. In Massachusetts, your historic period, driving history, the make and model of the cable car you drive and the coverage types you choose will all affect the pace you pay. policy companies in Massachusetts can not use your credit score, age or sex when calculating your car insurance premium due to express regulations .
| Average annual premium for minimum coverage in Massachusetts | Average annual premium for full coverage in Massachusetts |
|---|---|
| $510 | $1,223 |
How to find the best car insurance in Massachusetts
The best car indemnity for you may not be the best car indemnity for person else. Each car insurance company offers coverage options, discounts and add-ons that might make them more appealing to certain clients. With these differences in mind, the following considerations may help you find the right car policy supplier for your needs .
Consider minimum insurance requirements in Massachusetts
Every submit except Virginia and New Hampshire requires drivers to carry at least a minimum come of car policy. specific limits change by country. Massachusetts ’ minimum car policy requirements require fomite owners to carry minimum limits of bodily injury liability, property damage indebtedness, uninsured motorist bodily injury and personal wound auspices ( PIP ). Although you do not need to memorize your state ’ randomness minimum limits, understanding the Massachusetts car insurance laws might help you decide if you need higher limits. minimum coverage policies can leave you financially vulnerable and do not cover damages to your vehicle. For that reason, most indemnity experts recommend purchasing full coverage policy to better protect your finances .
Consider lender requirements
Massachusetts ’ express minimum coverage does not protect your finances against the threat of damage to your car. For that, you need broad coverage car insurance, which includes comprehensive examination and collision coverage. If you have a loan or lease, your lender credibly requires that you carry full coverage and may stipulate how high your deductible can be. You may besides want to consider purchasing gap policy, which is designed to cover the difference between your vehicle ’ south cash rate and the remainder of your lend .
Consider your individual needs
Understanding how your indemnity needs are unique — for exercise, possibly you need certain optional coverage types such as luxury cable car policy — can help you narrow down which companies to consider. You may besides want to consider how your car is used. If you work for a Transportation Network Company like Uber or Lyft, you may want to review your insurance needs with your prospective car insurance company. You may need an endorsement on your policy to be properly covered as a rideshare driver. Once you figure out your needs, you can compare car indemnity quotes from companies that fit your needs .
Car insurance discounts in Massachusetts
Wondering how to lower your car indemnity ? Car indemnity in Massachusetts is, on average, less expensive than it is in the nation as a whole, but most companies offer discounts that can help you save even more. Some of the best car policy discounts include :
- Young driver discounts: If you insure a teen driver on your policy, you might be able to save money with a good student discount, distant student discount or driving training discount.
- Safe driver discounts: If you only drive your vehicle a few times a week, drive only a few miles a day or rely heavily on public transportation, you may be able to save money on your car insurance. You might also save if you have been accident-free for a certain number of years or participate in a telematics program to demonstrate safe driving habits.
- Other discounts: If you purchase two policies with the same insurer, you may qualify for bundling discounts or multi-car discounts. You might also save if you can afford to pay your policy in full or if you opt for automatic withdrawals from your bank account.
Discounts vary between companies, so talking to a representative might help you identify savings opportunities that apply to you .
Frequently asked questions
What is the best car insurance in Massachusetts?
The best car indemnity in Massachusetts will be different for everyone. Car insurance is a personalize product, meaning that the company, coverage types and discounts you choose depend on personal factors. Understanding what you want from a company — like a good digital app, certain forte coverage types or just one of the cheapest cable car indemnity companies — might help you find carriers to get quotes from. then you can compare the quotes to see what party best fits your needs .
What is the cheapest car insurance company in Massachusetts?
car policy companies use different algorithm to determine your car insurance premiums. For exemplify, one party might weigh driving history more heavily, while another ship’s company might care more about your vehicle ’ s make and mannequin. For that reason, the cheapest car indemnity in Massachusetts depends on your individual characteristics and how each ship’s company weighs them. On average, some of the cheapest providers in the Bay State are State Farm, Safety, Plymouth Rock, Geico and Vermont Mutual .
What do I need to get car insurance in Massachusetts?
To get cable car policy, in Massachusetts you may want to compare car policy quotes from multiple companies. Depending on the companies you are considering, you may be able to get quotes online, by call or in person at a local agency. You will need the name, date of birth and driver ’ s license phone number for every driver in your family, and you may need Social Security numbers. You will besides need to have the fomite recognition count ( VIN ) for each vehicle you want to insure. It can be helpful to know what coverage types and limits you are looking for before getting a quotation, and insurance agents are available to help you decide what is most allow for your situation. once you have chosen a supplier and accepted a quotation mark, you will typically have to make at least one calendar month ’ second payment to start the policy, and you may need to sign an application .
Is Massachusetts a no-fault state?
Yes, Massachusetts is considered a no-fault indemnity country. contrary to democratic belief, you are placid at fault for damages you cause in a no-fault state of matter. “ No-fault ” policy plainly refers to injuries. Personal injury protection coverage ( PIP ) will pay for your injuries regardless of who is at demerit in an accident. In Massachusetts, you must carry a minimal of $ 8,000 in PIP coverage. flush if you have health insurance, your PIP coverage will be used for the first $ 2,000 in aesculapian expenses. After the beginning $ 2,000, your health indemnity and PIP coverage will coordinate regarding the extra expenses .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, estimable credit and the follow full coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimal coverage limits, Bankrate used minimum coverage that meets each state ’ mho requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample distribution rates and should lone be used for comparative purposes. Credit: Rates were calculated based on the follow indemnity credit tiers assigned to our drivers : “ poor people, average, good ( base ), and excellent. ” Insurance citation tiers factor in your official recognition scores but are not dependant on that variable alone. The take after states do not allow credit to be a component in determining car insurance rates : California, Michigan, Hawaii, Massachusetts, Washington. Gender: The pursue states do not use gender as a determining agent in calculating premiums : California, Hawaii, Massachusetts, Michigan, Montana, North Carolina, Pennsylvania.
Bankrate Scores
Bankrate Scores primarily reflect a slant absolute of industry-standard ratings for fiscal strength and customer feel in accession to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of cocksure customer support. To determine how well the best car policy companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impingement on the companies ’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each supplier. While coverage options, insurance company handiness, affordability and customer know are frequently the top priorities, Bankrate besides analyzed each insurance company ’ s on-line and mobile resources for policy management and claims handling. insurance is quickly evolving to keep pace with our digital global, so these aspects besides carried weight in determining Bankrate Scores .