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Last updated: March 24, 2026Best Auto Insurance in Massachusetts
GEICO, Amica, Allstate, Plymouth Rock, and USAA offer some of the best coverage for Massachusetts drivers.
Best Cheap
Editor's Rating:
4.2/5
4.2/5Full Coverage Averages in Massachusetts
- Annual Premium: $1,694
- Monthly Premium: $141
Best for Customer Service
Editor's Rating:4.9/5
4.9/5Full Coverage Averages Nationally
- Annual Premium: $2,274
- Monthly Premium: $189
Best for Coverage Options
Editor's Rating:4.4/5
4.4/5Full Coverage Averages Nationally
- Annual Premium: $2,915
- Monthly Premium: $243
Key Takeaways
- Drivers on a budget should consider getting a quote from GEICO, which is our pick for the best cheap car insurance in Massachusetts. Amica, Allstate, Plymouth Rock, and USAA almost made our list of top picks for various driver categories.
- The average cost of car insurance in Massachusetts is $2,148 per year for full coverage and $675 per year for minimum coverage. Both averages are slightly below the respective national averages.
- Keep in mind that your premiums may vary from the average rates listed here as they will depend on your personal circumstances, including your location, driving record, and age.
Summary of the Best Auto Insurance in Massachusetts
- Best Cheap: GEICO
- Best for Customer Service: Amica
- Best for Coverage Options: Allstate
- Best for Drivers With a DUI: Plymouth Rock
- Best for Military: USAA
Compare the Best Cheap Auto Insurance in Massachusetts
| Company | Full Coverage Monthly Avg. in MA | Minimum Coverage Monthly Avg. in MA | New England customer satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $141 | $42 | Above average |
| Amica | Data not available | $50 | Above average |
| Allstate | Data not available | Data not available | Above average |
| Plymouth Rock | $135 | $40 | Below average |
| USAA | $139 | $29 | Above average |
| Massachusetts | $179 | $56 | – |
Breaking Down the Best Cheap Auto Insurance in Massachusetts
1. GEICO - Best Cheap
4.2
Editor's Rating:
- Average Rate forMinimum Coverage$46 mo.
- Average Rate forFull Coverage$156 mo.
- Affordable rates in Massachusetts
- Convenient online purchasing
- Many discounts available
Limited agent presence- Doesn't underwrite home insurance
Why we chose it
With an average annual full coverage rate of $1,694, GEICO is over 20 percent cheaper than the Massachusetts state average. It’s also the third-cheapest provider for minimum coverage, on average. Additionally, it ranked third in J.D. Power’s most recent customer satisfaction survey for the New England region, offering an appealing balance of affordability and quality service. GEICO has a large variety of discounts that policyholders can take advantage of, including for military members and federal employees.
If you’ve purchased a new vehicle or are in the market for one, GEICO offers some unique coverage options. For example, you’ll be eligible for GEICO’s mechanical breakdown coverage if you buy a car that’s less than 15 months old and has fewer than 15,000 miles. This provides additional coverage if your vehicle breaks down and protection for all parts and systems in your vehicle after a $250 deductible.
Who it’s best for
Drivers on a budget, new car drivers, federal workers, military members, affinity members
FUN FACT:
Massachusetts has several local/regional providers that insure significant percentages of the state’s drivers. Part of why there are so many regional providers is the absence of the country’s biggest insurer, State Farm. State Farm, the largest provider in most states, hasn’t offered insurance to drivers in Massachusetts since 2008, allowing medium-sized insurers to have a larger presence in the state.
GEICO Massachusetts Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $141 | $42 |
| Annually | $1,694 | $499 |
| Difference from Massachusetts average | -21% | -26% |
2. Amica - Best for Customer Service
4.9
Editor's Rating:
- Average Rate forMinimum Coverage$100 mo.
- Average Rate forFull Coverage$190 mo.
- Excellent customer satisfaction ratings
- Wide range of discounts
- Highly-rated digital experience
- Higher base premiums
- Fewer local agents
Why we chose it
Amica is a highly-rated regional insurer that offers a variety of coverage options and discounts for Massachusetts drivers. It ranked first for customer satisfaction in J.D. Power’s Auto Insurance Study for the New England region, scoring almost 100 points higher than the second-place company, Allstate. It also has an A- rating for the New England region from the CRASH Network.
Amica also has many discounts to help policyholders save, including a generous 30 percent discount for bundling auto with home, life, or umbrella policies. You can also get a discount if you’re a homeowner, regardless of whether you insure your home with Amica. Save drivers also save: the company’s telematics program, StreetSmart, provides a discount of up to 20 percent if you drive safely, and you can get an additional discount if you’ve been claim-free for the past three years.
Who it’s best for
Drivers who prioritize customer service, homeowners looking to bundle home and auto, safe drivers
Amica Massachusetts Pricing
| Amica | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | Data not available | $50 |
| Annually | Data not available | $605 |
| Difference from Massachusetts average | – | -10% |
3. Allstate - Best for Coverage Options
4.4
Editor's Rating:
- Average Rate forMinimum Coverage$69 mo.
- Average Rate forFull Coverage$243 mo.
- Many coverage options
- High customer satisfaction scores in New England
- Online quotes and purchasing
- Telematics needed for best savings
- Mixed claims reviews
Why we chose it
Allstate is one of the largest insurance providers in the country and has a strong customer service record in New England, ranking second in the region in J.D. Power’s customer satisfaction study. While rate data is not available for Massachusetts, it tends to have above-average rates. However, it may be worth considering if you don’t mind paying a bit more for great customer service and extensive coverage options.
In addition to standard coverages like liability, comprehensive, and collision, Allstate sells various add-ons that you can include on your policy to better fit your needs. These include accident forgiveness, rideshare coverage, rental reimbursement, and classic car coverage. It also offers Mexico car insurance if you’re planning a trip to Mexico, and gap coverage as long as you add it to your financing agreement when you purchase your vehicle.
Who it’s best for
Those looking for a range of coverages to customize their policy, rideshare drivers
4. Plymouth Rock - Best for Drivers With a DUI
4.3
Editor's Rating:
- Average Rate forMinimum Coverage$64 mo.
- Average Rate forFull Coverage$138 mo.
- Second-cheapest for drivers with a DUI
- Local agents
- Loyalty rewards
- Limited states
- Mixed satisfaction
- Agent-based sales
Why we chose it
Drivers with DUIs on their record pay some of the highest rates for auto insurance because of how devastating DUI crashes can be. In 2024, there were 89 fatalities in Massachusetts as a result of suspected alcohol use.1 While Plymouth Rock’s average rates are higher for drivers with a DUI, they are still 31 percent lower than the state average for this category.
Plymouth Rock offers a solid variety of coverage options, especially for a regional provider. These include accident forgiveness (though you likely won’t be eligible if you have a DUI), full glass coverage, new car replacement, and gap coverage. It also has great loyalty perks, which apply to customers who are entering their fourth policy term with the company, such as mobile device and laptop replacement, pet coverage, and child car seat replacement.
FYI:
Massachusetts is one of the few states that does not allow credit history to be used as a rating factor, so while moving violations can categorize you as a high-risk driver, having poor credit will not affect your rates in the state.
Who it’s best for
Someone with a DUI, those looking for cheap rates, drivers who prefer to work with a local provider
Plymouth Rock Massachusetts Pricing
| Southern Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $135 | $40 |
| Annually | $1,616 | $476 |
| Difference from Massachusetts average | -25% | -29% |
5. USAA - Best for Military
5
Editor's Rating:
- Average Rate forMinimum Coverage$36 mo.
- Average Rate forFull Coverage$128 mo.
- Military-focused coverage options
- Competitive rates
- Pay-per-mile telematics program
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA tends to offer affordable rates to military-affiliated drivers — in Massachusetts, it has the cheapest average minimum coverage rates, and offers below-average rates for full coverage as well. USAA has the highest score for New England customer satisfaction according to J.D. Power, though it’s technically not eligible to be ranked due to its membership requirements.
Those eligible for USAA will likely find that it offers some of the best coverage and support at the best rates. Since it’s designed for the military community, it offers insurance and financial products, as well as support resources, tailored to the community’s specific needs. It also has military-specific discounts, such as a discount if you garage your car on a military base or if you’re storing it because you’re deployed.
Who it’s best for
Drivers eligible for USAA, including active duty military, veterans, and certain family members
USAA Massachusetts Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $139 | $29 |
| Annually | $1,670 | $353 |
| Difference from Massachusetts average | -22% | -48% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – New England2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| GEICO | 639 | C- | 697 | 1.45 |
| Amica | 735 | B+ | 718 | 0.62 |
| Allstate | 641 | D+ | 693 | 2.32 |
| Plymouth Rock | 601 | B | Not rated | 0.41 |
| USAA | 749 | C- | 741 | 1.62 |
| Average | 625 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Massachusetts
Full Coverage Rates in Massachusetts
With an average annual rate of $2,148, Massachusetts full coverage auto insurance is slightly cheaper than the national average. Keep in mind that your rates may differ based on your specific driving history, location, and driving needs.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Massachusetts average | $2,148 | $179 |
| National average | $2,356 | $196 |
Minimum Coverage
The Massachusetts average for minimum coverage is also slightly lower than the national average at $675 per year or $56 per month. That’s 7 percent cheaper than the national average.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Massachusetts average | $675 | $56 |
| National average | $722 | $60 |
Average Premiums in Massachusetts by City
Car insurance premiums can vary between cities, even within the same state. Cambridge, the state’s fourth-largest city, offers the cheapest rates for a large city ($2,025 annually). Springfield is the most expensive, with an average annual rate of $2,599.
| City | Annual average premium | Monthly average premium |
|---|---|---|
| Springfield | $2,599 | $217 |
| Worcester | $2,404 | $200 |
| Boston | $2,347 | $196 |
| Lowell | $2,134 | $178 |
| Cambridge | $2,025 | $169 |
How Many Car Accidents Happen in Massachusetts?
According to state data, there were 135,038 total crashes in Massachusetts in 2024. Of those, 349 were fatal, 2,361 resulted in serious injuries, and 97,515 involved only property damage. Most people killed in car accidents that year were in the 25-45 age range, and over twice as many males were killed as females. Most fatalities occurred in September, August, and November, and the most common days for fatal accidents were Fridays and Saturdays.
Minimum Auto Insurance Requirements in Massachusetts
Massachusetts law requires drivers to hold bodily injury, property damage, uninsured/underinsured motorist, and personal injury protection (PIP) coverage to drive legally in the state. Here’s what those limits look like in terms of dollar amounts:
- Bodily injury liability: $20,000 per person/$40,000 per accident
- Property damage liability: $5,000 per accident
- Personal injury protection: $8,000
- Uninsured/underinsured motorist coverage: $20,000 per person/$40,000 per accident
Massachusetts is a no-fault state, which means that each party in an accident is responsible for their own medical costs, regardless of who was at fault. The required personal injury protection coverage helps pay for this, though we recommend getting higher limits all around for more robust financial protection. If you want to cover damage to your own car, you should also add full coverage to your policy, which includes comprehensive and collision coverage.
Frequently Asked Questions
Massachusetts is a modified no-fault state, which means that drivers can only be held responsible for an accident if they’re more than 50 percent at fault. Regardless of who’s at fault, the state requires that your insurance company pay for your injuries (based on your policy limit).
No, you won’t pay more for car insurance if you have bad credit in Massachusetts. Massachusetts is one of four states — along with California, Hawaii, and Michigan — that does not allow insurance providers to use credit scores at all when calculating premiums.
Plymouth Rock offers the best full coverage rates for teens on average. You can expect to pay around $4,151 for full coverage as a teen with Plymouth Rock, which is 19 percent cheaper than the state average.
Massachusetts does not offer a state-funded low-income insurance program. However, drivers can sign up for the Massachusetts Auto Insurance Plan (MAIP) if they can’t find an insurer who will accept their application.
MAIP is not an insurance company, but it works with a large network of car companies to help match drivers with insurers. MAIP is designed for high-risk drivers and drivers with bad records who struggle to find a provider that will voluntarily insure them.
Methodology
We based our analysis of the best providers in Massachusetts on the following four key categories:
- Pricing (40%): We analyzed average annual premiums for full and minimum coverage for good drivers, high-risk drivers, and other common categories in Massachusetts. From age and traffic violation history to coverage type and discount opportunities, our rankings are based on average costs and savings for the most common driver types in the state. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Personal injury protection: $8,000
- Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We evaluate a company’s claims handling efficacy, as fulfilling claims is an insurance company’s primary service. In Massachusetts, we looked at J.D. Power’s claims satisfaction scores and the NAIC’s customer complaint index to highlight providers who offer the best claims service experience.
- Customer Experience (25%): From comparing quotes and working with an agent to sign a policy to managing your payments and making changes to your policy, we evaluate the customer experience from top to bottom. We prioritize Massachusetts providers with the best digital services, customer service scores, claims satisfaction scores, and other service metrics.
- Coverage Options (10%): Although you only need the state’s minimum requirements to drive legally in Massachusetts, we value providers that give you the option to gain extra protection for you and your loved ones. Accident forgiveness, rideshare coverage, gap insurance, new car replacement, and rental reimbursement are some of the main coverage options we look for from providers.
Learn more about our ratings and methodology sources.
Sources
Crash Data Portal. Impact. (2026).
https://apps.crashdata.dot.mass.gov/cdp/dashboard-view/2047It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htm
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