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Top Car Insurance Companies in Massachusetts: Compare Your Choices

Explore the best car insurance companies in Massachusetts. Compare coverage, premiums, and discounts to find the perfect policy for your needs and budget.

Save hundreds today by comparing quotes from the nation’s top insurance companies

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ProgressiveLiberty MutualRoot
The GeneralAmerican FamilyElephant
Amani Turnage

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Car insurance isn’t just about fulfilling a legal requirement — it’s an investment in your peace of mind on the road. If you live in Massachusetts and are shopping around for the right policy, you’re in luck: Massachusetts has many car insurance options from various insurers.

Explore the basics of Massachusetts car insurance to find the best car insurance companies in Massachusetts for you​.

Introduction to Car Insurance in Massachusetts

Car insurance laws and requirements vary between states. Massachusetts law requires drivers to carry certain minimum coverage to register and operate a motor vehicle. These minimum Massachusetts insurance laws include:

  • Bodily injury liability: This covers injuries you might cause to someone else if you’re found at fault in an accident.
  • Personal injury protection (PIP): This covers medical expenses and up to 75% of your lost wages following an accident, regardless of who was at fault.
  • Bodily injury caused by an uninsured auto: This protection helps cover your medical expenses if you’re hit by an uninsured motorist or are the victim of a hit and run.
  • Property damage liability: This covers damage you might cause to someone else’s property, such as their vehicle, fence, or mailbox.

This list is only the minimum coverage for Massachusetts. You can also choose optional insurance coverage, such as comprehensive or collision insurance, for additional protection.

Key Factors To Consider When Choosing a Car Insurance Company

Finding the right car insurance company can feel overwhelming. A few factors to keep in mind as you begin your search include:

  • Coverage options: Every policy has different standard and optional coverages, and you should make sure you choose one that meets your needs. Always compare these closely so you know you’re comparing apples to apples.
  • Price and deductibles: Everyone wants an affordable policy, but it’s not just about the monthly premium. Check that deductibles and annual premiums fit comfortably into your budget.
  • Discounts: Many insurers offer deals for safe driving, multiple vehicles, good grades, anti-theft devices, and other insurance discounts. Scoring extra discounts can make a big difference in premium pricing.
  • Reputation and customer service: What good is cheap car insurance in Massachusetts if you get terrible customer service? Check out online reviews to find insurers that customers rate highly.

Top Car Insurance Companies in Massachusetts

There’s a long list of car insurance companies in Massachusetts to pick from. Finding the best Massachusetts car insurance companies depends on your needs and situation. Top insurers to consider include:

  • Amica
  • Geico
  • Progressive
  • Allstate

You may also qualify for specialty insurance coverage. For example, if you’re a member of the military (active or retired) or an immediate family member of an active or retired military member, you may qualify for the exclusive USAA auto insurance. This unique coverage often saves you big on car insurance premiums.

Comparing Coverage Options and Average Costs

While monthly premiums matter, there’s more to finding great car insurance in Massachusetts. Other considerations include:

  • Liability limits
  • Deductibles
  • Optional add-ons
  • Available discounts

In Massachusetts, the average cost of state-minimum auto insurance coverage is $536 per year. Full coverage runs $2,092 annually on average. While these averages are great for benchmarking, keep in mind that other variables, such as where you live and the vehicle you drive, can impact your premiums.

Discounts and Savings Opportunities With Massachusetts Car Insurers

Discounts are a great way to lower your insurance costs. Discounts vary by insurance provider. A few common ones you’ll come across include:

  • Safe driver discount
  • Multi-policy discount
  • Multi-car discount
  • Good student discount
  • Loyalty discount

Don’t be shy about asking for discounts when getting quotes. You may be surprised how quickly these discounts add up to significant savings.

Customer Satisfaction Ratings and Reviews

Low insurance premiums are great but don’t compensate for poor customer service. The last thing you want is to deal with an insurer that treats its customers poorly, so check out online reviews and keep an eye out for customer complaints about:

  • Claims handling: How quickly and efficiently are claims processed and resolved?
  • Customer service: Do representatives communicate clearly and provide helpful information?
  • Policy management: Are the insurer’s online tools and apps user-friendly?
  • Issue resolution: Even the top car insurance companies in Massachusetts can encounter issues, but do they resolve such situations quickly and satisfactorily?

How To Get Personalized Car Insurance Quotes in Massachusetts

There are multiple ways to get personalized car insurance quotes in Massachusetts:

  • Online tools: Many insurers have quote features on their websites. Enter your personal information, driving details, and coverage preferences to receive a ballpark figure quickly.
  • Local agents: Contact a local insurance agent if you prefer face-to-face interaction. They’ll help you understand your coverage needs and can typically provide quotes from multiple insurers.
  • Insurance comparison sites: Comparison websites allow you to see quotes from several different providers in one place.

Get Started Today — Compare Quotes and Find the Best Car Insurance in Massachusetts!

Ready to explore your options? EverQuote’s online insurance quote comparison tool helps you compare multiple insurance quotes in one place so you can choose your best option.

FAQs

What is the cheapest car insurance in Massachusetts?
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Factors such as your location, driving history, vehicle type, and coverage needs all impact your car insurance premiums. Each insurer prices these variables differently, so the cheapest car insurance varies greatly by person.
Is Geico good in Massachusetts?
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Many drivers in Massachusetts choose Geico for their car insurance needs. Geico has solid financial ratings from industry watchdogs such as A.M Best, Standard and Poor’s, and Moody’s. If the company's premiums and coverages meet your needs, it may be a great option for you.
Who typically has the cheapest car insurance?
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Insurance rates depend on many factors, so the cheapest car insurance company for you may not be the cheapest for others. Compare car insurance quotes from multiple providers to ensure you get the best possible deal for the coverage you need.
Who are the top 5 insurance companies in MA?
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The top car insurance companies in Massachusetts will vary by person because everyone has their own needs. In terms of customer ratings, top-rated insurers to consider are:
  1. The General
  2. Plymouth Rock Assurance
  3. PURE Insurance
  4. Esurance
  5. Nationwide Insurance