Best Car Insurance in Massachusetts for 2024 - NerdWallet (2024)

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Driving in Massachusetts can make you want to get the best car insurance you can find — anything less just doesn’t cut it when venturing onto I-90. But finding solid auto coverage from a stand-up provider that fits your needs is not always easy, so we’ve put in the legwork for you.

NerdWallet looked at 18 insurers available in Massachusetts to find the top companies for the following categories:

  • Best company overall.

  • Best budget pick.

  • Best for having few customer complaints.

  • Best for ease of use.

If you’re looking for the most affordable car insurance in the Bay State, check out NerdWallet’s rate analysis of the cheapest car insurance in Massachusetts. And if you’d rather browse a full list of the best car insurance companies in Massachusetts, you can jump to the bottom of the page.

Best Car Insurance in Massachusetts for 2024 - NerdWallet (1)

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How we found the best car insurance in Massachusetts

NerdWallet’s editorial team considered financial strength, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Massachusetts. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best auto insurance companies is likely to change.

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Why you can trust NerdWallet

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance policy that works best for you. These carrier ratings are specific to auto insurance; a company’s ratings for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Massachusetts overall: Travelers

One of the largest auto insurers in the nation, Travelers provides a wide range of coverage types including gap insurance and premier new car replacement, which pays to replace your new car if it's totaled within the first five years. This insurer also offers a diverse set of discounts that reward automatic payments, safe driving, customer loyalty and more.

On top of its vast offerings, Travelers holds a strong presence in the Bay State. With over 1,300 insurance agency partnerships, Travelers is a great option for Massachusetts drivers looking for in-person attention. But its mobile app and the option to file claims, get quotes and make payments online makes it a good option for the tech-savvy as well. All this makes Travelers the best car insurance company in Massachusetts overall.

Read NerdWallet’s Travelers auto insurance review to see why this insurer tops our list.

Best star rating

Best Car Insurance in Massachusetts for 2024 - NerdWallet (2)

Travelers

5.0

NerdWallet rating

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best star rating

Best Car Insurance in Massachusetts for 2024 - NerdWallet (3)

Travelers

Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best budget auto insurance in Massachusetts: Geico

Out of the 10 Massachusetts car insurance companies we evaluated with a 4.5 star ranking or above, Geico is the cheapest. This insurer offers top-tier coverage and customer service on a budget, which might explain why New England respondents ranked it as the top insurer for overall customer satisfaction in J.D. Power’s 2023 U.S. Insurance Study.

This insurer is best for those who don’t need or want much agent interaction: Geico agents work in fewer Massachusetts locations than other large insurers. However, its user-friendly website and mobile app make filing claims and making changes to your policy online easy. And, while Geico offers fewer coverage options than some of its competitors, slimmer policies and its wide range of discounts can make Geico’s budget-friendly premiums even cheaper.

Read NerdWallet's Geico auto insurance review to learn more.

Best budget pick

Best Car Insurance in Massachusetts for 2024 - NerdWallet (4)

Geico

5.0

NerdWallet rating

With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Best budget pick

Best Car Insurance in Massachusetts for 2024 - NerdWallet (5)

Geico

5.0

NerdWallet rating

With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Best car insurance in Massachusetts for having few customer complaints: Mapfre

The largest auto insurer in Massachusetts, Mapfre boasts the lowest number of customer complaints to state regulators relative to its market share. This Spain-based insurer offers a wide variety of coverage options and add-ons, including accident forgiveness and a disappearing deductible, which decreases your deductible for each year you maintain a clean driving record. Mapfre also offers discounts for bundling different insurance plans, driving safely and more.

Mapfre sells policies through independent agents, but drivers can also get a quote, file claims and make payments online. Its ePICS program can speed up the claims process by giving drivers the ability to provide photos of damage to their vehicles via email. For more details, read NerdWallet’s Mapfre auto insurance review.

Best for having few customer complaints

Best Car Insurance in Massachusetts for 2024 - NerdWallet (6)

Mapfre

4.5

NerdWallet rating

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Best for having few customer complaints

Best Car Insurance in Massachusetts for 2024 - NerdWallet (7)

Mapfre

4.5

NerdWallet rating

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Far fewer than expected

Best Massachusetts auto insurance for ease of use: Farmers and Progressive

Farmers and Progressive share the top spot for the best auto insurance in Massachusetts for ease of use. With 4.5 NerdWallet star ratings, they both offer plenty of discounts and options for policyholders to personalize their coverage.

These two auto insurers are among the largest in the country. They both give drivers the option to get quotes, pay their bills and file claims online, and their apps boast high scores on app stores.

Read our Progressive auto insurance review and our Farmers auto insurance review to see why they top the ease of use category in Massachusetts.

Best for ease-of-use

Best Car Insurance in Massachusetts for 2024 - NerdWallet (8)

Farmers

4.5

NerdWallet rating

One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best for ease-of-use

Best Car Insurance in Massachusetts for 2024 - NerdWallet (9)

Farmers

4.5

NerdWallet rating

One of the country's largest insurers, Farmers offers a long list of discounts and plenty of ways to customize your coverage.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best for ease-of-use

Best Car Insurance in Massachusetts for 2024 - NerdWallet (10)

Progressive

4.5

NerdWallet rating

Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Best for ease-of-use

Best Car Insurance in Massachusetts for 2024 - NerdWallet (11)

Progressive

4.5

NerdWallet rating

Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Close to expected

Full list of the best auto insurance companies in Massachusetts

Out of the 18 car insurers NerdWallet analyzed, here is the full list of the best car insurance companies in Massachusetts, all with a NerdWallet star rating of 4.5 or higher.

Company

Star rating

Amica

5.0

NerdWallet rating

Geico

5.0

NerdWallet rating

Travelers

5.0

NerdWallet rating

USAA*

5.0

NerdWallet rating

Allstate

4.5

NerdWallet rating

Chubb

4.5

NerdWallet rating

Farmers

4.5

NerdWallet rating

Mapfre

4.5

NerdWallet rating

Progressive

4.5

NerdWallet rating

The Hanover

4.5

NerdWallet rating

*USAA is available only to military, veterans, and their families.

» MORE: The best home insurance in Massachusetts

As an insurance expert with a deep understanding of the industry, I can confidently analyze and provide insights into the concepts mentioned in the article about car insurance in Massachusetts. My expertise is rooted in comprehensive knowledge of insurance providers, coverage options, and the criteria used to evaluate them.

The article covers various aspects of car insurance in Massachusetts, and I'll break down the key concepts:

  1. Evaluation Criteria: The article outlines the criteria used by NerdWallet to assess the best car insurance companies in Massachusetts. These criteria include financial strength, discounts offered, complaint data from the National Association of Insurance Commissioners (NAIC), and user experience factors such as website transparency and ease of filing a claim.

  2. Provider Categories: NerdWallet categorizes insurance providers into four groups based on specific attributes:

    • Best overall company
    • Best budget pick
    • Best for having few customer complaints
    • Best for ease of use
  3. Methodology: The article describes the methodology employed by NerdWallet's editorial team to arrive at their conclusions. They consider factors like financial strength, discounts, and complaint data, demonstrating a thorough and data-driven approach in evaluating insurance companies.

  4. Insurance Providers: The article highlights specific insurance providers and their standout features within the Massachusetts market:

    • Travelers: Recognized as the best overall car insurance company in Massachusetts, Travelers offers a wide range of coverage options, discounts, and has a strong presence in the state.
    • Geico: Positioned as the best budget pick, Geico stands out for its affordability, top-tier coverage, and positive customer satisfaction ratings.
    • Mapfre: Acknowledged for having few customer complaints, Mapfre is the largest auto insurer in Massachusetts, offering diverse coverage options and customer-friendly features.
    • Farmers and Progressive: Tied for the best in ease of use, these insurers provide a user-friendly experience with high NerdWallet ratings for discounts and online services.
  5. Full List of Top Insurance Companies: The article concludes with a comprehensive list of the best auto insurance companies in Massachusetts, each with a NerdWallet star rating of 4.5 or higher. The list includes well-known providers such as Amica, USAA, Allstate, Chubb, and The Hanover.

By presenting this detailed breakdown, the article serves as a valuable guide for Massachusetts drivers seeking the best car insurance options based on their specific needs and preferences. It provides evidence-backed recommendations, giving readers confidence in their decision-making process.

Best Car Insurance in Massachusetts for 2024 - NerdWallet (2024)
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