Best Auto Insurance in Massachusetts

GEICO insures nearly 15 percent of all drivers in Massachusetts, making it the state’s second-largest provider. It also offers the cheapest average rate in the state and is our top pick for drivers on a budget.

Cheapest Provider in Massachusetts

With an average annual rate of $1,283, GEICO offers the cheapest rates to drivers in Massachusetts.

Discounts for Federal Workers

If you’re a part of the 400,000 veterans, active duty military, National Guard members, and military dependents in Massachusetts, you’ll qualify for an auto insurance discount with GEICO.⁴ Discounts also extend to federal employees, of which there are more than 50,000.⁵

Additional Coverage for New Cars

If you’ve purchased a new vehicle or are in the market for one, GEICO offers some unique coverage options. Buy a car that’s less than 15 months old and has fewer than 15,000 miles, and you’ll be eligible for GEICO’s mechanical breakdown coverage. Here’s what it comes with:

• Additional coverage if your vehicle breaks down
• Protection for all parts and systems in your vehicle after a $250 deductible
• The option pay smaller premiums for each pay period — as opposed to a large upfront payment
• The option to choose where you want your car repaired

Founded in 1852 in New York City, The Hanover started offering auto insurance in 1911. Today, it writes insurance policies for customers in over 179 countries, generating more than $5 billion in revenue.

If you’re not looking for full coverage and want only liability, The Hanover offers the best average rates in Massachusetts.

Cheapest Liability-Only Insurance

If you’re looking for a no-frills policy with the minimum liability requirements, or only liability with higher limits, The Hanover offers the cheapest rates in Massachusetts. Here’s how it compares with other major competitors in the state:

Cheapest Liability-Only for Teens

Although The Hanover’s full coverage rates are among the most expensive in the state for teens, its minimum liability rates are the most affordable for drivers under the age of 20.

Here’s how The Hanover’s liability-only coverage for teens compares with the other major providers:

Customize Your Plan

Even if you don’t add collision and comprehensive coverage, you may still want some optional coverage for added protection. With The Hanover, you can mix and match different coverage options to create the perfect policy for you and your needs.

Here are a few coverage options you can add to your plan with The Hanover:

• Deductible dividends: For each year you drive without an accident, The Hanover will reduce your deductible by $100.
• Accident forgiveness: If you get an accident and have accident forgiveness, you will not see a premium increase — even if you’re at fault.
• Gap insurance: Often a good idea for drivers leasing or loaning a vehicle, gap insurance will help cover the rest of your loan/lease if your vehicle is a total loss and you owe more than what it’s worth.

Progressive is our top national pick for drivers with a DUI, and it’s also our top DUI pick in Massachusetts. With affordable rates for drivers after a DUI, SR-22 offerings, and several ways to bring costs down, you should be able to find competitive rates with Progressive if you have a bad driving record.

Cheapest after a DUI

Drivers with DUIs on their record pay some of the highest rates for auto insurance because of how devastating DUI crashes can be. Drinking and driving contributed to 34 percent of all motor vehicle fatalities in Massachusetts, which was three points higher than the national rate.⁷

If you have a DUI on their record, you can expect your premiums to increase. While rates can double or even triple after a DUI, Progressive’s average premium increase is only about $400.

SR-22 and Non-Owner Insurance

If you have a bad driving record, especially a DUI on your record, there’s a good chance you’ll need an SR-22. Progressive files SR-22s on your behalf and offers non-owners insurance in case you need to reinstate your license and don’t own a car.

Several Ways to Save

Always ask your agent about what kind of offers you’re eligible for to bring your costs down. With Progressive, you may be able to benefit from the following discounts:

• Multi-policy discount: Bundle auto with your home or motorcycle policy to earn 5 percent on your premium.
• Multi-vehicle discount: Save up to 12 percent when you insure more than one vehicle with Progressive.
• Electronic discount: Get your documents electronically, and Progressive will give you a paperless discount.
• Homeowners discount: Own a home? You may be eligible for a 10 percent discount on your car insurance policy.
• Good student discount: High school and college students who maintain a B average GPA can earn a 10 percent discount.
• Teen driver discount: You can get a discount just for adding a teen to your policy.

Safety serves more than seven percent of the state’s drivers, making it one of Massachusetts’s largest car insurance companies. It also offers unique coverage options, like its Safety Shield and Safety Shield Plus packages, that make it easier to customize your policy and gain additional coverage.

Flexible Coverage Options

In Massachusetts, you can add two Safety coverage packages, Safety Shield and Safety Shield Plus, to your policy for added protection. These are optional coverage packages that come with several enhancements.

Cheapest Rates for Older Americans

If you’re a senior seeking affordable insurance in Massachusetts, look no further. Safety offers the cheapest rates in the state for seniors, with an average premium of $1,109 per year.

Few Customer Complaints

The National Association of Insurance Commissioners assesses car insurance companies on how many customer complaints they receive annually. Between 2021 and 2023, Safety averaged a 0.23 complaint score, which means Safety received about four times fewer complaints than competitors, which is a great indicator of customer service and satisfaction efficacy.⁸

Farmers is the 10th-largest provider in Massachusetts and our top pick if you value digital services, usage-based insurance, and managing your policy from your mobile phone.

Highly Rated Mobile Apps

Between both iOS and Android users, Farmers has some of the highest mobile app ratings out of any provider. Whether you’re filing a claim, staying on top of your payments, or reevaluating your policy details, the Farmers app offers a seamless user experience that customers value.

Usage-Based Insurance

Farmer’s usage-based insurance app, Signal, is one of the easiest safety driving trackers on the market. You don’t need to attach or plug in any devices. You just download the app, allow Farmers to track your driving habits, and get your score on your next renewal period.

Signal works by tracking your driving habits, scoring based on how safely you drive, and rewarding you for good driving habits at your next renewal period (up to 20 percent off your premium). Signal will track the following driving metrics to determine your score:

• Braking habits
• Speed and acceleration
• Phone usage while driving
• Monthly mileage
• The time of day you drive
• Turn speed

If you exhibit poor driving habits, your rates could increase, so be sure you’re ready for that risk when signing up.

Ample Discount Opportunities

Farmers has a long list of discount offerings that can help bring costs down, incentivize better driving habits and encourage more efficient paying/billing practices. You can earn a Farmers discount if you’re:

• Driving safely
• A good student
• A homeowner
• Making payments automatically
• Setting up paperless billing
• Bundling home and auto policies with Farmers
• Driving an hybrid, alternative fuel, or electric vehicle 
• Paying your premium in full