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Best & Cheapest Massachusetts Car Insurance as Rated by Customers in 2020

How do you find the best and cheapest car insurance rates in Massachusetts?

Finding the best and cheapest Massachusetts car insurance for your specific needs can be confusing and difficult. You want to have peace of mind that your car insurance company will follow through with its promises if you need to make a claim. Clearsurance is committed to collecting insurance company reviews and ratings from customers to highlight the best and cheapest car insurance companies in Massachusetts. With thousands of car insurance reviews from policyholders based on their individual experiences, Clearsurance provides reviews and rankings for hundreds of car insurance companies so that you can evaluate and compare the best and cheapest Massachusetts car insurance companies.

In the table above, you can sort through all of the Massachusetts car insurance companies ranked on Clearsurance.com. The rating next to each company, the insurer’s Clearsurance score, is based exclusively on the ratings provided by customers who hold or held a policy from that insurance company. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best and cheapest Massachusetts car insurance rankings page.

Are you interested in learning more about one of these Massachusetts car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer, and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Which car insurance companies offer the best and cheapest car insurance rates for a married couple in Massachusetts?

For a married couple in Massachusetts, Commerce Insurance (MAPFRE) offers the cheapest car insurance rates with an average premium of $1,619. However, this is only among the four of the largest auto insurers in Massachusetts by market share in the table below.

Car Insurance Company Married Couple Insurance Rates
Arbella Insurance Group $2,553
Commerce Insurance (MAPFRE) $1,619
Geico $2,012
Safety Insurance Company $1,796

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

Which car insurance companies offer the best and cheapest car insurance rates for seniors in Massachusetts?

Safety Insurance Company offers the cheapest car insurance rates on average for senior drivers in Massachusetts, when compared to the other four largest companies in the state by auto market share.

Company Female senior rates Male senior rates
Arbella Insurance Group $917 $917
Commerce Insurance (MAPFRE) $738 $738
Geico $689 $689
Liberty Mutual Insurance $1,665 $1,665
Safety Insurance Company $429 $429

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

Which car insurance companies offer the best and cheapest teen car insurance rates in Massachusetts?

Safety Insurance Company offers the cheapest car insurance rates to teen drivers in Massachusetts when compared against some of the largest auto insurance companies in the state.

Company Female teen rates Male teen rates
Arbella Insurance Group $1,481 $1,481
Commerce Insurance (MAPFRE) $1,226 $1,226
Geico $1,729 $1,729
Safety Insurance Company $1,171 $1,171

These rates are based on profiles for 18-year-old male and female drivers in Massachusetts. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest car insurance areas in Massachusetts

While your state of residence affects your car insurance rates, so does the particular area within the state you live. Car insurance rates in Massachusetts can even vary by different areas within a city. Chatham is the cheapest area in Massachusetts for car insurance. In the table below, you can see the top 10 cheapest areas in Massachusetts for car insurance for single adults.

Area Car Insurance Rates
Chatham $1,029
North Chatham $1,029
Northfield $1,029
Nantucket $1,029
Siasconset $1,029
Gill $1,030
Deerfield $1,030
South Deerfield $1,030
East Orleans $1,031
Orleans $1,031

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

The 10 Most expensive car insurance areas in Massachusetts

Car insurance rates may be more expensive in some areas of Massachusetts based on a few factors: driving behavior in the area, frequency of accidents and crime rate. These can cause rates to be more expensive in some cities and even different neighborhoods within the city. Roxbury and Dorchester, both Boston neighborhoods, are among the most expensive areas for car insurance in Massachusetts. The table below displays the top 10 most expensive areas in Massachusetts for car insurance for a single adult.

Area Car Insurance Rates
Roxbury Crossing $2,743
Roxbury $2,743
Dorchester $2,652
Dorchester Center $2,618
Mattapan $2,471
Brockton $2,362
Chelsea $2,329
Revere $2,298
Readville $2,285
Hyde Park $2,192

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Massachusetts will differ. Rate data is provided by Quadrant Information Services.

What are the minimum car insurance coverages and limits in Massachusetts

While many states only require drivers to obtain liability insurance, Massachusetts’ restrictions are more comprehensive. Massachusetts requires drivers to secure four different types of coverage: bodily injury, property damage, uninsured motorist protection and personal injury protection (often referred to as PIP).

Below, we’ve detailed the minimum coverage requirements set by Massachusetts, but keep in mind, these are only the minimums. You should consider purchasing higher limits to ensure that you are not underinsured in the event of a costly accident. You can learn more about different car insurance coverages and what the limits mean here.

Massachusetts state minimum requirements:

Liability:

  • Bodily injury — $20,000 per person
  • Bodily injury — $40,000 per accident
  • Property damage — $5,000 per accident

Personal injury protection:

  • $8,000 per person

Bodily injury caused by an uninsured motorist:

  • $20,000 per person
  • $40,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers in you were to be held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event that you damage someone else’s property in a car accident, such as the other vehicle, but also things like a home or fence.

Personal injury protection (PIP) provides coverage for any medical expenses or income losses that result from a car accident. It also provides coverage, up to the policy’s limits, for family members in the vehicle and for a few other situations. This can be referred to as no-fault coverage, making Massachusetts one of the 12 no-fault states.

Uninsured motorist coverage offers protection for you in the event that you are injured in an accident by an at-fault driver who doesn’t have insurance. While only 6.2 percent of drivers in Massachusetts are uninsured, the third lowest of any state according to 2015 data from the Insurance Information Institute — it is required coverage.

How car insurance rates are calculated in Massachusetts

When searching and comparing quotes from the best auto insurance companies in Massachusetts, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Massachusetts

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Massachusetts car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Massachusetts

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well (strengths) compared to the percentage of what customers say the company could do better (opportunities).

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.