On average, Massachusetts drivers pay around $1,136 a year for car insurance, according to the Insurance Information Institute. But there are ways to save if you're willing to put in a few minutes of work.
Shopping around for coverage is the best way to make sure you're getting the best price for you. Your premium, or the amount you'll pay for auto insurance coverage, depends on several factors, including things like your credit score, the type of car you drive, how many years of driving experience you have, and even where you live in Massachusetts.
Every company weighs these factors differently, so getting quotes from different companies and comparing them is the best way to find the most affordable policy for you.
The most popular car insurance companies in Massachusetts
The following are the most popular car insurance companies in Massachusetts, based on the percentage of insured Massachusetts drivers who use them:
| Company | Market share (%) |
| MAPFRE | 22.00 |
| GEICO | 14.04 |
| Liberty Mutual | 10.33 |
| Safety Insurance | 8.08 |
| Arbella Insurance | 7.51 |
| Plymouth Rock Co. | 6.74 |
| Progressive | 5.68 |
| MetLife | 3.42 |
| Travelers | 3.29 |
| USAA* | 3.18 |
| The Hanover Insurance Group | 2.96 |
| Amica | 2.85 |
| Allstate | 1.92 |
| Quincy Mutual | 1.43 |
| Norfolk & Dedham Group | 1.07 |
| Vermont Mutual Insurance | 1.01 |
| American Family Insurance | 0.88 |
| IAT Insurance | 0.76 |
| Preferred Mutual Insurance Co. | 0.57 |
| State Farm | 0.34 |
| National General Holdings | 0.32 |
| Chubb | 0.31 |
| Concord Group Insurance | 0.30 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Intelligence
The best car insurance in Massachusetts based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the New England region (which includes Massachusetts):
- Amica Mutual
- State Farm
- GEICO
- Region Average
- Progressive
- The Hanover
- Arbella
- Liberty Mutual
- Plymouth Rock Assurance
- Travelers
- Allstate
- MetLife
- Safety Insurance
- MAPFRE Insurance
The best car insurance for drivers with a clean record
For a driver in Massachusetts age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Travelers | $145 |
| GEICO | $156 |
| Allstate | $159 |
| USAA* | $172 |
| Progressive | $178 |
| MetLife | $188 |
| Safeco | $221 |
| Liberty Mutual | $228 |
| Esurance | $240 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 1,630 policyholders in the state of Massachusetts
Best car insurance for one or more accidents on record
For a driver in Massachusetts age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| GEICO | $169 |
| Esurance | $189 |
| Allstate | $196 |
| Progressive | $222 |
| Bristol West | $239 |
Above data obtained from Savvy, based on 1,630 policyholders in the state of Massachusetts
Massachusetts car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Massachusetts's most populous cities:
| City | Average annual insurance premium |
| Boston | $1,481 |
| Worcester | $1,412 |
| Springfield | $1,333 |
| Cambridge | $1,555 |
| Lowell | $1,429 |
| Quincy | $1,503 |
| New Bedford | $1,372 |
| Brockton | $1,457 |
| Lynn | $1,454 |
| Newton | $1,748 |
| Fall River | $1,362 |
| Somerville | $1,546 |
| Lawrence | $1,352 |
| Framingham | $1,568 |
| Haverhill | $1,534 |
| Waltham | $1,581 |
| Malden | $1,480 |
| Brookline | $1,642 |
| Medford | $1,577 |
| Taunton | $1,515 |
| Weymouth Town | $1,549 |
| Revere | $1,465 |
| Chicopee | $1,414 |
| Peabody | $1,523 |
| Methuen Town | $1,583 |
| Attleboro | $1,597 |
| Arlington | $1,686 |
| Everett | $1,459 |
| Barnstable Town | $1,520 |
| Salem | $1,474 |
| Pittsfield | $1,443 |
| Westfield | $1,507 |
| Beverly | $1,569 |
| Marlborough | $1,568 |
| Leominster | $1,475 |
| Fitchburg | $1,440 |
| Woburn | $1,624 |
| Holyoke | $1,363 |
| Chelsea | $1,444 |
| Braintree Town | $1,629 |
Data from S&P Global Intelligence
Who gets the best cheap car insurance in Massachusetts?
Massachusetts does not allow credit score, age, gender, nor marital status to be considered as a determining factors for insurance premiums. Therefore, other factors will weigh more, like your driving history, your driving record, where you live, and type of car you drive.
With so many factors affecting your premium and with every company considering them differently, it's critical to shop around.
If you want to get the best rate for you, you'll need to start by getting quotes from several different insurance companies. Once you have a few different quotes, you'll want to compare them and look for the policy that gives you the most coverage for your money by giving the most coverage types and the highest limits. Also look at the deductible, or the amount you'll pay out-of-pocket if you get into an accident.
The driver who gets the best deal in Massachusetts is the one who shops around for their coverage. Compare quotes and look beyond the premium to find the best-priced coverage for you.