Updated: November 18, 2024
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In Massachusetts, the best car insurance option varies by individual needs. Chubb secured the highest overall MoneyGeek score. For minimum coverage, Chubb again stands out, while Progressive is the top pick for families with teen drivers. It's essential to weigh your unique requirements when choosing insurance.
If your main concern is cost, consider exploring the cheapest car insurance in Massachusetts.
Best Car InsuranceMassachusettsBest Car Insurance in Massachusetts
Why Trust MoneyGeek? We created an insurance scoring system for providers in Massachusetts based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Massachusetts.
Chubb holds the position as the top car insurance provider in Massachusetts according to the MoneyGeek score, achieving an impressive 88 out of 100. Scores among insurers in the state range from 66 to 88 for MoneyGeek's baseline scoring system, illustrating a significant variance in performance. It is crucial to understand that scores may vary for different driver profiles, as insurers tailor their offerings to diverse customer needs.
How does MoneyGeek score companies?
MoneyGeek's comprehensive scoring system prioritizes customer satisfaction and affordability when evaluating insurance companies. These two factors are heavily weighted, along with claims experience and offered coverages, contributing significantly to the overall MoneyGeek score. Consumers seeking insurance should consider these areas as they reflect the quality of service and cost-efficiency — pillars of a comprehensive insurance experience.
| Chubb | 88 | $1,008 |
| American Family | 88 | $801 |
| State Farm | 87 | $483 |
| Amica Mutual | 84 | $1,217 |
| Safety Group | 84 | $902 |
| Arbella | 81 | $1,271 |
| Hanover | 81 | $1,035 |
| Plymouth Rock Assurance | 81 | $775 |
| GEICO | 79 | $1,007 |
| Vermont Mutual | 77 | $838 |
| Allstate | 74 | $1,300 |
| Progressive | 73 | $1,477 |
| Travelers | 66 | $1,947 |
MoneyGeek found that Chubb is the best option in Massachusetts for obtaining the best full coverage car insurance. This distinction is based on an impressive MoneyGeek score and a comprehensive assessment of the company's service and products. Two top providers and their respective MoneyGeek scores and annual premiums are highlighted below:
Chubb stands out due to its high customer satisfaction and claims handling scores, making it an excellent choice for drivers who value customer service and efficient claims resolution. This combination of factors contributed to its leading MoneyGeek score, affirming it as a premium choice in the Massachusetts market.
It's important to recognize that in Massachusetts, drivers can find a variety of companies offering different cost and service experiences. Those interested in more economical options can explore MoneyGeek's analysis of companies providing the cheapest full coverage car insurance in Massachusetts. This allows consumers to consider not just the quality of insurance but also to find a balance with affordability to suit their individual needs.
Ranks No. 1 for claims handling.
Offers OEM coverage, a rare coverage.
Does not rank in the top 2 for customer satisfaction.
Ranked 7th for cost.
Does not offer roadside assistance or gap insurance.
Chubb boasts an impressive MoneyGeek score, particularly owing to its high satisfaction (33 out of 35) and claims (20 out of 20) ratings, indicating a superior customer experience. While it provides common coverages, such as rental car and/or travel reimbursement and roadside assistance, its suite is missing diminished value coverage, which could be a slight negative for those concerned about their car's value post-accident. However, the broad offerings, including rare coverages like OEM coverage, ensure Chubb remains a top choice despite any gaps.
Chubb's insurance options cater to diverse needs, including the rare and valuable OEM coverage — important for maintaining a vehicle's integrity with authentic parts after repairs. Antique/classic car insurance is another specialized offering, highlighting Chubb's attention to niche markets. These tailored options, paired with essential common coverages like rental car reimbursement, position Chubb to safeguard customers' investment while also ensuring convenience during claims.
MoneyGeek found that Chubb is the best option in Massachusetts for superior customer service in car insurance. This standout provider leads the market with its high MoneyGeek score and commitment to customer satisfaction.
Chubb distinguishes itself with the highest scores in customer satisfaction and claims handling, which are crucial components of the MoneyGeek score. Even though it offers top-rated service, Chubb also comes at a more affordable annual premium than its closest competitor, Amica Mutual.
In Massachusetts, there is a diverse range of car insurance providers, each varying in customer service quality and claims handling efficiency. High-quality claims processing can significantly alleviate the difficulty of post-accident experiences, making it essential for an insurance company to excel in these areas for customer retention and overall satisfaction.
Ranks No. 1 for claims handling.
Offers rare OEM coverage.
Does not excel in customer service with a score of 43.
Does not offer gap insurance or roadside assistance.
Chubb's impressive MoneyGeek score is anchored by top-notch satisfaction and claims handling. While the company offers rental car and/or travel reimbursement, it does not provide roadside assistance, which is a slight negative given the utility of these common coverages. Yet, it does offer some reasonably common coverages like diminished value coverage, which enhances its value proposition.
Chubb's OEM coverage is particularly valuable, ensuring that any necessary repairs use original factory parts, maintaining vehicle integrity. Its antique/classic car insurance is ideal for collectors, providing specialized coverage that respects the unique value of these vehicles. Alongside a satisfaction score of 43 (out of 45) and a perfect claims handling score of 30 (out of 30), these offerings illustrate why Chubb is notable in the industry.
MoneyGeek found that Chubb is the best option in Massachusetts for drivers seeking car insurance with the minimum coverage required by law. As we delve into the details, here are the two top providers:
Chubb stands out with high satisfaction and claims handling scores, making it a leader in customer service and support. Its top placement is further bolstered by a strong affordability score. Again, Chubb proves to be the best choice for Massachusetts residents, offering the minimum insurance required by law at an annual premium of only $337.
While many insurers in Massachusetts offer competitively priced minimum coverage car insurance, opting for the least amount of insurance can carry risks. Minimum coverage does not provide protection against all possible events and can leave drivers financially vulnerable in the case of significant accidents or losses. This is why selecting a policy should always weigh coverage benefits against the costs, even beyond minimum state requirements.
Offers reasonably rare OEM coverage.
Ranks No. 1 for claims handling.
Ranks 6th for cost.
Chubb stands out with high scores in affordability (34 out of 40) and satisfaction (22 out of 25), driving its stellar MoneyGeek score. The average annual premium of only $337 underscores the impressive cost efficiency for policyholders. Chubb offers a variety of reasonably common and rare discounts, including savings for defensive driving courses and anti-theft systems.
Chubb excels with its broad range of discounts, including all four of the most common: bundling, defensive driving, multi-car and safe driving. This breadth of discounts demonstrates Chubb's commitment to providing value to customers. Additionally, Chubb's rarer discounts, like a discount for VIN etching, offer unique savings opportunities by having your vehicle identification number etched onto the windshield, deterring theft and potentially aiding in vehicle recovery.
Chubb's high MoneyGeek score is bolstered by its affordability score of 34 out of 40. Other significant contributors include an exemplary satisfaction score of 22 out of 25 and a perfect stability score, marking it as a top choice for drivers prioritizing cost efficiency, reliable service and company robustness.
Driver age significantly influences car insurance rates in Massachusetts, with different age groups having distinct cost structures and options for coverage and discounts. MoneyGeek found that Progressive is the best option for teen drivers with a MoneyGeek score of 87, offering an appealing blend of affordability and claims handling at an annual premium of $1,367. For young adults and seniors, State Farm leads the way, scoring an 87 for both demographics, providing excellent customer satisfaction and competitive rates, shown by annual premiums of $483 for young adults and $369 for seniors.
Best for teens: Progressive
Best for seniors: State Farm
Best for young adults: State Farm
MoneyGeek found that Progressive is the best option in Massachusetts for car insurance for teens, with a high MoneyGeek score that outshines competitors. When it comes to securing reliable and affordable coverage for young drivers in Massachusetts, look no further.
Progressive stands out due to its excellent balance of affordability, claims handling and coverage options, all of which are major factors for its robust score. For a teen policy, Progressive's annual cost is compellingly competitive, reaffirming that adding a teen to a family policy in Massachusetts can be a more economical choice. To find cheap car insurance for a teen in Massachusetts, considering Progressive as a top provider is a wise decision.
The reason car insurance for teens is so pricey, not just in Massachusetts but across many states, is due to the heightened risk insurers associate with young, inexperienced drivers. Insurers base their premiums on risk assessment, and statistics show that teen drivers are more likely to be involved in accidents than any other age group. Consequently, insurance companies hedge against this risk by increasing premiums for policies that include teen drivers.
Offers good student and distant student discounts.
Ranks No. 2 for claims handling.
Ranks No. 2 for affordability.
Ranks No. 4 for customer satisfaction.
Missing driver's education discount.
With a perfect coverage score of 10 and a high affordability score of 28 (out of 30), Progressive takes the lead in MoneyGeek’s scoring system. An added bonus for families with teens is the inclusion of two reasonably common discounts for young drivers: distant student and good student.
Progressive provides valuable discounts for young drivers, like the good student discount, rewarding academic achievement with savings on premiums. For students residing away from home, the distant student discount offers financial relief to families. Among rare coverages, Progressive's custom parts coverage stands out, protecting enhancements made to your vehicle — perfect for those who personalize their rides.
Additionally, free pet coverage ensures your furry companions receive protection in case of an accident, a thoughtful addition for pet owners' peace of mind. These tailored options reflect Progressive's commitment to diverse customer needs, reinforcing its stellar scores in affordability and coverage.
MoneyGeek found that State Farm is the best option in Massachusetts for car insurance for seniors, standing out with an excellent MoneyGeek score and an affordable annual premium.
State Farm distinguishes itself with top marks in customer satisfaction, affordability and claims handling, contributing significantly to its high MoneyGeek score. To secure cheap car insurance for a senior in Massachusetts with State Farm, seniors can expect to pay an annual premium of $369, a value proposition that balances cost against encompassing coverage and service quality.
Car insurance premiums for seniors do not always exceed those of middle-aged adults in Massachusetts, as observed in MoneyGeek's data for individuals in their 60s. However, it's important to note that rates tend to increase for seniors in their 70s and 80s due to their risk profile.
Offers roadside assistance and rental car/travel reimbursement.
Ranks No. 1 for cost.
Ranks 7th for customer satisfaction.
State Farm leads with competitive affordability and satisfaction scores, the key factors in its robust MoneyGeek score of 87. With essential coverages like roadside assistance and rental car/travel reimbursement, clients experience seamless support post-accident. Even without certain discounts, State Farm’s strong scores in primary categories affirm its value. The company's average annual premium is $369, and it offers appealing discounts, such as the senior driver discount, enhancing affordability for older customers.
State Farm provides vital coverages conducive to senior clients, such as roadside assistance, paying for mechanical labor, towing and more, up to an hour of service. Rental car/travel reimbursement coverage ensures that seniors won't be left stranded, offering payment for rental expenses after an accident. These coverages bring peace of mind to seniors who require immediate and reliable assistance in unexpected situations. Value is further reflected through high satisfaction (30 out of 35) and strong affordability (30 out of 30) scores, prioritizing customer contentment and cost-effectiveness.
MoneyGeek found that State Farm is the best option in Massachusetts for car insurance tailored to young adults, offering an outstanding balance of affordability and customer satisfaction.
State Farm stands out due to its high scores in customer satisfaction and affordability — two significant factors for drivers in their 20s seeking cost-effective insurance without compromising on service. The annual premium for young adults at State Farm is notably competitive at $483, underscoring the opportunity to obtain cheap car insurance for a young adult in Massachusetts even though these premiums are often higher compared to those for older age groups.
Young adults in Massachusetts, as in other states, typically face steeper insurance costs due to their less extensive driving experience and statistically higher risk of accidents. Insurers price policies accordingly to mitigate this increased risk, leading to higher premiums for this demographic.
Ranks No. 1 out of all insurers for cost.
Offers good student, distant student and driver's education discounts.
Does not excel in customer service.
State Farm leads with exceptional satisfaction (30 out of 35) and affordability (30 out of 30) scores, which significantly contribute to its high MoneyGeek score. Catering to young drivers, State Farm offers all three relevant discounts: good student, distant student and driver's education, reinforcing its competitive edge. As for common coverages, it provides both rental car and/or travel reimbursement and roadside assistance, ensuring broad protection for drivers.
State Farm's coverage options include roadside assistance, rental car and/or travel reimbursement, along with others. Roadside assistance helps with mechanical labor, towing, delivery of gas and even locksmith services. Rental car and/or travel reimbursement coverage provides for car rental expenses or travel costs if your vehicle is incapacitated due to a covered loss, which means you're never stranded.
MoneyGeek found that American Family is the best option in Massachusetts for drivers with driving offenses. Offering impressive value, this company tops the chart for those seeking reliable and affordable car insurance coverage.
American Family stands out for its combination of high satisfaction and claims handling scores, leading to its position at the forefront for drivers with a history of driving offenses. MoneyGeek utilized an array of data, including metrics from drivers with speeding tickets, at-fault accidents and DUIs.
The annual cost for our winner, American Family, reflects the competitive market rate for drivers in Massachusetts, coming in at $1,203. It’s important to acknowledge that for cheap car insurance as a high risk driver in Massachusetts, premiums are generally higher than for those with clean driving records.
The higher annual premiums for high-risk drivers in Massachusetts and elsewhere are due to the increased probability of filing claims, as evidenced by their driving history. Insurance companies adjust rates to mitigate these risks, leading to higher costs after tickets, at-fault accidents or DUIs.
Ranks No. 5 for claims handling.
Offers roadside assistance and rental reimbursement.
Doesn't excel in customer service (ranks 4th).
Ranks No. 3 for cost.
Lacks rare coverages, such as OEM coverage.
American Family distinguishes itself with strong satisfaction and coverage scores, boosting its overall MoneyGeek ranking. This provider offers essential coverages, such as roadside assistance and rental car/travel reimbursement, along with reasonably common options like accident forgiveness and gap insurance.
With an affordability score of 25 (out of 30), American Family is especially competitive for drivers with offenses who might otherwise face steep premiums, offering an average annual cost of just $1,203. For drivers with a history of accidents, American Family's coverages are particularly advantageous. With a satisfaction score of 33 (out of 35) and a full coverage score of 10 (out of 10), American Family demonstrates its commitment to client satisfaction and extensive protection options.
MoneyGeek found that Allstate is the best option in Massachusetts for new drivers looking for car insurance. Prioritizing both protection and financial sensibility, Allstate stands at the top among its competitors. Two providers lead the pack in offering reliable coverage:
Allstate excels not just in affordability but also in customer satisfaction, making it the preferred choice for those in Massachusetts. Notably, MoneyGeek critiqued insurers to ensure they provide new drivers with optional coverages like new car replacement and/or better car replacement, which hold considerable value for those with a new vehicle on the road.
The biggest contributors to the MoneyGeek score are satisfaction, affordability, claims handling and coverage depth — areas where Allstate demonstrates its strength. With an annual cost of $1,827, selecting an insurer like Allstate that offers new or better car replacement could mitigate financial strain post-accident. This coverage is important since, without it, drivers only receive compensation for their car's current worth.
Ranks well for general customer satisfaction.
Ranks well for claims handling.
Top tier for affordability.
Offers new car replacement coverage.
Does not excel in customer service.
Allstate stands out with its exceptional customer satisfaction (35 out of 35) and comprehensive coverage offerings (10 out of 10), driving its high MoneyGeek score. A highlight for drivers with new cars is the availability of new car replacement, an optional coverage that mitigates depreciation concerns in the event of total loss, ensuring owners can replace their vehicle without a financial setback.
Allstate's new car replacement coverage is particularly valuable for those with new vehicles. If a car that is two model years old or less is deemed a total loss, the insurer will cover the cost of a brand-new car, not just the depreciated value. This offering, along with other coverages like roadside assistance and accident forgiveness, positions Allstate as an insurer that caters to the needs of drivers seeking a robust level of protection for their investment.
Drivers also benefit from more specialized coverages, such as custom parts coverage and portable electronics and media coverage, underscoring Allstate’s commitment to wide-ranging insurance needs.
MoneyGeek found that Chubb is the best option in Massachusetts for car insurance for military members, scoring the highest on their comprehensive evaluation.
Although USAA is also a good option for those with a military background, based on the MoneyGeek score, which values a balance of service quality and affordability, it did not win in Massachusetts.
Chubb stands out in Massachusetts with its exceptional MoneyGeek score, driven by high satisfaction rates and solid claims handling procedures. The biggest contributors to its rank are its customer satisfaction and stability scores, indicating a trustworthy choice for military personnel seeking quality coverage.
With an annual premium of $1,008, it offers a balance of cost and service that suits the needs of those looking for dependable car insurance. For those specifically looking for the cheapest car insurance in Massachusetts for military drivers, researching other providers could be beneficial.
Ranks No. 1 in claims handling compared to other insurers.
Offers OEM coverage and rental car/travel reimbursement.
Does not excel in customer service with a score of 34.
Ranks high in cost with an average annual premium of $1,008.
Does not offer gap insurance.
Chubb's impressive MoneyGeek score is bolstered by exceptional satisfaction and claims handling, key factors in its leading position. Chubb is renowned for providing first-rate auto insurance services. Its average annual premium is $1,008, ensuring comprehensive protection at a competitive price.
Among Chubb’s rarer coverages, its OEM coverage stands out as widely applicable, covering the cost of replacing damaged parts with original equipment from the manufacturer. Chubb’s antique/classic car insurance is also rare, specializing in the unique needs of classic car enthusiasts by protecting the car's full value without depreciation.
Additionally, the diminished value coverage from Chubb offers customers the option to cover the potential loss in resale value after an accident. These offerings reflect Chubb's dedication to satisfaction, evidenced by its high scores: satisfaction at 34 (out of 35) and claims handling at 20 (out of 20), ensuring customers receive outstanding service.
In Massachusetts, the premier car insurance providers excel by offering a harmonious blend of affordability, robust financial health and a consistent demonstration of exceptional customer service. Through MoneyGeek's comprehensive research, these criteria are meticulously evaluated to ease your selection process. Should you embark on personal research, ensure to follow a structured approach to assess these key factors comprehensively.
Exceptional customer service is vital for car insurers in Massachusetts, ensuring prompt and fair handling of claims. Consumers should leverage independent evaluations from JD Power and the NAIC to assess a company's performance. According to MoneyGeek's research, Chubb stands out with a customer satisfaction score of 43 (out of 45) and claims handling score of 30 (out of 30), indicating a commitment to superior service.
In Massachusetts, comparing car insurance quotes can lead to significant savings without compromising on service quality. It's essential for drivers to conduct their own research to identify the most cost-effective options based on their unique profiles. MoneyGeek's analysis found Chubb to offer the best rate for minimum coverage at an annual premium of $337, presenting an affordable choice for budget-conscious drivers.
The range of coverages provided by car insurers is crucial to meet the diverse needs of Massachusetts drivers. It's important for consumers to research and find insurers that offer coverages aligning with their requirements. MoneyGeek's evaluation reveals that American Family is among the insurers with a perfect coverage score of 10, indicating the availability of essential coverages, such as rental car and/or travel reimbursement, roadside assistance, gap insurance and OEM coverage.
Selecting a car insurer with a strong financial stability rating minimizes the risk of claim payment failures due to financial issues. Researching these ratings is a prudent step in choosing a reliable insurer. According to MoneyGeek, companies like Chubb, Travelers and GEICO achieved a perfect stability score of five (the highest score), reflecting their exceptional financial strength rated A++ by A.M. Best.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Chubb stands out as the best for cheap car insurance in Massachusetts, with an annual premium for a minimum coverage policy at $337 and a MoneyGeek score of 88. While minimum coverage policies are less expensive, they offer limited protection. Consumers can find affordable full coverage policies by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
