{"id":324424,"date":"2025-11-14T07:51:13","date_gmt":"2025-11-14T12:51:13","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=85369"},"modified":"2025-11-14T07:51:14","modified_gmt":"2025-11-14T12:51:14","slug":"best-in-massachusetts","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-massachusetts\/","title":{"rendered":"The Best Massachusetts Auto Insurance Company"},"content":{"rendered":"\n<p>Car insurance is a legal requirement in Massachusetts for drivers to be financially protected. In 2025, multiple statewide analyses place average premiums around $1,500\u2013$1,650 per year for a full-coverage policy and about $430\u2013$600 for minimum coverage, based on recent studies from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a>. For comparison, the U.S. average full-coverage premium is roughly $2,500 in 2025, per the same types of national benchmarking resources (see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a> and <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>).<\/p>\n\n\n\n<p>There are dozens of car insurance companies that serve drivers in Massachusetts, but not all carriers are the best fit for each driver and situation. To find the best Massachusetts car insurance, we compared some of the top providers based on priorities important to most drivers, such as premiums, coverage options, and discounts. The providers that top the list based on our study include Amica, Plymouth Rock Assurance, Geico, and Allstate. In the New England region that includes Massachusetts, Amica ranks highest for overall customer satisfaction in <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">J.D. Power\u2019s latest regional study<\/a>, while large national and regional competitors remain strong choices depending on price and features. Massachusetts also restricts certain rating inputs (for example, prohibiting the use of credit information and several personal characteristics), which can make in\u2011state price comparisons differ from other states; see the Division of Insurance\u2019s <a href=\"https:\/\/www.mass.gov\/service-details\/prohibited-underwriting-factors-in-auto-insurance\">prohibited underwriting factors<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Car Insurance Companies in Massachusetts<\/h2>\n\n\n\n<ul><li><a href=\"#amica\">Amica<\/a>: Best for Customer Service<\/li><li><a href=\"#plymouth\">Plymouth Rock Assurance<\/a>: Best for Customizable Policies<\/li><li><a href=\"#geico\">Geico<\/a>: Best for Discounts<\/li><li><a href=\"#allstate\">Allstate<\/a>: Best for Robust Coverage<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\t\t\n<section id=\"block_5fc558605b8ff\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\">Compare the Best Car Insurance Companies in Massachusetts<\/h2>\n\n\t<\/section>\n\n\n\n<p><em>Information compiled in 2025 from multi-source statewide studies and official resources (see citations below).<\/em><\/p>\n\n\n\n<p>*Ranges reflect 2025 statewide averages for Massachusetts: see <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a>.<\/p>\n\n\n\n<p>**J.D. Power <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> New England regional results; numeric scores vary by year and carrier. Consult the linked study for the most current 2025 findings.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"amica\" title=\"Best for customer service\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Amica<\/h2>\n\n\n                                                \n\n\n<section id=\"amica\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Amica<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Service<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Amica is one of the few car insurance companies that offers dividend policies, where you may get back up to 20% of your premium. In J.D. Power\u2019s latest regional results for New England, Amica again stands out for customer satisfaction in 2025.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325308-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,500\u2013$1,650*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">Ranks highest in New England (2025)**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Amica is one of the few car insurance companies that offers dividend policies, where you may get back up to 20% of your premium. In J.D. Power\u2019s latest regional results for New England, Amica again stands out for customer satisfaction in 2025.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Offers dividend policies <\/li>\n                            <li>Variety of discounts available <\/li>\n                            <li>Above-average customer service ratings<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Not available nationwide <\/li>\n                                        <li>Higher average rates than some competitors<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 3;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gap insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Glass coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Platinum Choice Auto<\/span> <span style=\"font-weight: 400;\">(accident forgiveness, identity theft monitoring, glass repair, new car replacement coverage, credit monitoring, and prestige rental coverage)\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental car reimbursement\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 3;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AutoPay\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driving training\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Family\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowner\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loyalty\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Policy bundling\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle discounts (anti-theft system, electronic stability control, forward-collision warning system, passive restraints, and adaptive headlights)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Telematics\/safe-driving program (availability varies)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Electric\/hybrid equipment or vehicle safety feature credits where offered<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Amica Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/amica-review\/\" data-rich-text-format-boundary=\"true\">Amica auto insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/amica-review\/\" data-rich-text-format-boundary=\"true\">Amica homeowners insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/amica-review\/\" data-rich-text-format-boundary=\"true\">Amica renters insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"plymouth\" title=\"Best for customizable policies\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Plymouth Rock Assurance<\/h2>\n\n\n                                                \n\n\n<section id=\"plymouth-rock-auto-insurance\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Plymouth Rock Auto Insurance<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customizable Policies<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Plymouth Rock Assurance offers a variety of coverage with optional add-ons for customers who want to get the right protection level. Its Massachusetts footprint and regional benefits may appeal to drivers who prefer local claims and agent support.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Plymouth_Rock_Assurance_Company&#038;rvitemid=308199-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,500\u2013$1,650*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A-<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Plymouth Rock Assurance offers a variety of coverage with optional add-ons for customers who want to get the right protection level. Its Massachusetts footprint and regional benefits may appeal to drivers who prefer local claims and agent support.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Affordable prices <\/li>\n                            <li>Enhanced auto insurance coverage options<\/li>\n                            <li>Customizable car policies<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Few discounts<\/li>\n                                        <li>Inconsistent claims processing times<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bodily injury caused by an underinsured auto\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Limited collision\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Replacement cost coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Substitute transportation (rental car or other substitute transportation)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Towing and labor<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Motor club member\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-car discount\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Student away at school<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paid in full discount<\/span><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Discounts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Geico<\/h2>\n\n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico is known for offering comprehensive car insurance policies with an array of discounts, even for high-risk drivers. Its digital experience and broad discount categories (including telematics in many states) can help qualified drivers reduce costs.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,500\u2013$1,650*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico is known for offering comprehensive car insurance policies with an array of discounts, even for high-risk drivers. Its digital experience and broad discount categories (including telematics in many states) can help qualified drivers reduce costs.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Variety of discounts <\/li>\n                            <li>Strong financial ratings<\/li>\n                            <li>Fast and convenient claims processing<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Below average customer service<\/li>\n                                        <li>No discounts for hybrid\/electric cars<\/li>\n                                        <li>No gap insurance<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental car reimbursement\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside assistance\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mechanical breakdown coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured motorist coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defensive driving course\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Driver education course\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Emergency deployment<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Employee membership\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Federal employee\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good driver\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good student<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Seat belt use\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Military\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-vehicle<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New vehicle\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vehicle safety features (airbags, anti-lock brakes, anti-theft system and daytime lights) <\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Geico Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" data-rich-text-format-boundary=\"true\">Geico auto insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-review\/\" data-rich-text-format-boundary=\"true\">Geico homeowners insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best or Wide Coverage\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Allstate<\/h2>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Robust Coverage<\/h3>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need. Its Drivewise telematics and Milewise pay\u2011per\u2011mile options reflect 2025\u2019s emphasis on usage-based pricing potential.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,571352,6720045&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/affiliate-autoplanners.html?CID=AFF-REV-AU-073845-200616&#038;campaign=444490000073845&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325305-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,500\u2013$1,650*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">See 2025 study**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate car insurance offers an ample variety of coverage to ensure customers get the protection they need. Its Drivewise telematics and Milewise pay\u2011per\u2011mile options reflect 2025\u2019s emphasis on usage-based pricing potential.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Strong online policy management and learning materials <\/li>\n                            <li>24\/7 claims center<\/li>\n                            <li>Drivewise program<\/li>\n                        <\/ul>\n\n                            <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                        <li>Missing some common discounts<\/li>\n                                        <li>Claims might take longer than expected<\/li>\n                                    <\/ul>\n                    <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Types of Coverage Offered<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Accident forgiveness<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collision coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Comprehensive coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Custom equipment coverage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liability coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Medical payments coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car replacement<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal injury protection\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Personal umbrella policy\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rental reimbursement coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Roadside coverage\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Uninsured and underinsured motorist coverage<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Discounts Available<\/h4>\n                <div> <ul style=\"column-count: 2;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-lock brake\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft device\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic withdrawal\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drivewise program<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Full-pay\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Milewise program<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New car\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe driver\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Smart student<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">More Allstate Insurance Reviews<\/h4>\n                <div> <ul class=\"rich-text editor-rich-text__editable block-editor-rich-text__editable is-selected\" role=\"textbox\" contenteditable=\"true\" aria-multiline=\"true\" aria-label=\"Write list\u2026\">\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate auto insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate homeowners insurance review<\/a><\/li>\n<li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\" data-rich-text-format-boundary=\"true\">Allstate motorcycle insurance review<\/a><\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Ranges reflect synthesized 2025 statewide averages from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>** J.D. Power&#8217;s <a href=\"https:\/\/www.jdpower.com\/press-releases\/2025-us-auto-insurance-study\" rel=\"nofollow\" class=\"achor-toggles\">2021 Auto Insurance Satisfaction Study<\/a> New England region (link goes to the latest 2025 release). We do not display numeric scores here; consult J.D. Power for current results.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-costs\" title=\"Average Costs in Massachusetts\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Massachusetts<\/h2>\n\n\n\n<p>Massachusetts auto insurance remains cheaper than the national average in 2025. Current statewide studies show full coverage typically around $1,500\u2013$1,650 per year and minimum coverage around $430\u2013$600 per year (<a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>; <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>; <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a>). By contrast, the national full-coverage benchmark is roughly $2,500 in 2025. Premiums have risen since earlier years amid higher claim severity and inflation in repair and medical costs; see the <a href=\"https:\/\/www.bls.gov\/regions\/new-england\/news-release\/consumerpriceindex_boston.htm\">BLS CPI (Boston area) trend<\/a> and the <a href=\"https:\/\/www.iii.org\/article\/why-are-auto-insurance-rates-rising\">Insurance Information Institute<\/a> for context.<\/p>\n\n\n\n<p>Premiums vary by territory (urban Boston areas often price higher than suburban\/rural areas), coverage limits\/deductibles, vehicle and usage, and driver history. Massachusetts also restricts certain pricing inputs \u2014 for example, insurance companies may not use your credit information or gender for auto rating \u2014 see <a href=\"https:\/\/www.mass.gov\/service-details\/prohibited-underwriting-factors-in-auto-insurance\">prohibited underwriting factors<\/a>. Telematics programs and safe-driving discounts are increasingly common in 2025 and can materially affect your quote.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Massachusetts<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>State Farm<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><tr><td>Plymouth Rock&nbsp;<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><tr><td>Safety<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* 2025 statewide minimum coverage range synthesized from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a>. Actual cheapest carrier varies by profile; no single insurer is cheapest for all drivers.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Massachusetts<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Minimum Coverage Premium*<\/strong><\/td><\/tr><tr><td>Travelers<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><tr><td>Progressive<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><tr><td>Main Street America<\/td><td>\u2248 $430\u2013$600 statewide (2025); varies by driver\/ZIP and discounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>* These are not statewide \u201cexpensive\u201d rankings; they illustrate that actual premiums depend on rating territory and driver\/vehicle factors. Use the 2025 statewide range from <a href=\"https:\/\/www.bankrate.com\/insurance\/car\/massachusetts-car-insurance\/\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\/article\/insurance\/average-car-insurance-rates\">NerdWallet<\/a>, <a href=\"https:\/\/www.thezebra.com\/auto-insurance\/massachusetts-car-insurance\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\/auto-insurance\/massachusetts\">ValuePenguin<\/a> as guidance, and compare personalized quotes.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"guide\" title=\"Guide to Car Insurance\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Guide to Massachusetts Car Insurance&nbsp;<\/h2>\n\n\n\n<p>Car owners looking for the best auto insurance in Massachusetts who practice safe driving habits may see more competitive rates, on average. Massachusetts consistently has one of the lowest shares of uninsured motorists in the country \u2014 about 6% in 2022 (roughly 94% insured), per the <a href=\"https:\/\/www.insurance-research.org\/insights-media-center\/one-seven-drivers-us-roads-uninsured-2022-irc-estimates\">Insurance Research Council<\/a> and the <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\">Insurance Information Institute<\/a>. Earlier analyses from <a href=\"https:\/\/smartasset.com\/checking-account\/states-worst-drivers-2020\">SmartAsset<\/a> also ranked Massachusetts favorably for driver safety. The Commonwealth of Massachusetts created a comprehensive list of driving resources <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.mass.gov\/info-details\/driving-resources-in-massachusetts\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">to support older adults, people with disabilities and low-income commuters<\/a>. If you have difficulty obtaining coverage, agents can access the residual market via <a href=\"https:\/\/www.commauto.com\/\">Commonwealth Automobile Reinsurers (MAIP)<\/a>, though most drivers find options in the voluntary market.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Car Insurance Add-Ons That May Further Protect You\u00a0<\/h3>\n\n\n\n<p>Based on common risks and the local driver\u2019s profile, we recommend the following add-ons. In 2025, many carriers also promote usage-based telematics programs that can lower premiums for consistently safe driving, and EV owners may find add-ons for charging equipment and battery-related roadside support (<a href=\"https:\/\/www.allstate.com\/auto-insurance\/drivewise\">Allstate Drivewise<\/a>; <a href=\"https:\/\/risk.lexisnexis.com\/insights-resources\/research\/2024-usage-based-insurance-study\">LexisNexis UBI study<\/a>).<\/p>\n\n\n\n<ul><li><strong>Optional Bodily Injury to Others: <\/strong>An add-on that most providers offer and covers accidents anywhere in the United States. In case of an accident, this coverage pays for damages to the driver and any vehicle passengers.<\/li><li><strong>Medical Payments: <\/strong>Pays for medical expenses for you and the passengers when you exceed what&#8217;s covered by your Personal Injury Protection (PIP).&nbsp;<\/li><li><strong>Collision coverage:<\/strong> In the event of a crash, this coverage will cover damages to your vehicle. Your lender may require you to have this coverage.<\/li><li><strong>Comprehensive coverage: <\/strong>This add-on will cover almost anything that is not crash-related. For example, damages caused by a storm, a falling object, hitting an animal or even if someone steals your car.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Massachusetts Minimum Insurance Requirements<\/h3>\n\n\n\n<p>Insurance requirements vary per state. In the state of Massachusetts, you are required to have liability coverage as the minimum, as well as personal injury protection, to satisfy the state\u2019s no-fault law. That includes coverage for bodily injuries to others, another one for personal injuries and property damages. Finally, this state requires you to have coverage for physical injuries caused by uninsured autos.<\/p>\n\n\n\n<p>Minimum liability <a href=\"https:\/\/www.mass.gov\/info-details\/compulsory-coverage-in-massachusetts-auto-insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">required in the state of Massachusetts<\/a> is divided as follows:<\/p>\n\n\n\n<ul><li>$20,000 bodily injury liability per person<\/li><li>$40,000 bodily injury liability per accident<\/li><li>$5,000 property damage liability per accident<\/li><li>$20,000 uninsured motorist bodily injury liability per person<\/li><li>$40,000 uninsured motorist bodily injury liability per accident<\/li><li>$8,000 personal injury protection (PIP)<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Massachusetts Car Insurance FAQ<\/h2>\n\n\n<!-- wp:acf\/accordion {\n    \"id\": \"block_5fc55e4b5b952\",\n    \"name\": \"acf\\\/accordion\",\n    \"data\": {\n        \"content_label\": \"What is the average auto insurance cost in Massachusetts?\",\n        \"_content_label\": \"field_5e34595523535\",\n        \"content_description\": \"<span style=\\\"font-weight: 400;\\\">In 2025, most statewide studies place Massachusetts\u2019 averages at roughly $1,500\u2013$1,650 per year for full coverage and about $430\u2013$600 for minimum coverage (see <\\\/span><a href=\\\"https:\\\/\\\/www.bankrate.com\\\/insurance\\\/car\\\/massachusetts-car-insurance\\\/\\","protected":false},"excerpt":{"rendered":"<p>Car insurance is a legal requirement in Massachusetts for drivers to be financially protected. In 2025, multiple statewide analyses place average premiums around $1,500\u2013$1,650 per year for a full-coverage policy and about $430\u2013$600 for minimum coverage, based on recent studies from Bankrate, NerdWallet, The Zebra, and ValuePenguin. For comparison, the U.S. average full-coverage premium is [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":357984,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[23955],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Car Insurance Companies in Massachusetts | Reviews.com<\/title>\n<meta name=\"description\" content=\"Our list of best car insurance in Massachusetts compares coverage, discounts, ratings and company offerings. Our top picks are Amica, Plymouth Rock Assurance, Geico and Allstate. 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