Best Cheap Car Insurance in Massachusetts for 2020
Getting car insurance can feel quite complicated. With many companies, policies, and discounts to choose from, it can all get quite confusing. Fortunately, it does not have to be.
In Massachusetts, there are many different car insurance providers and choosing the best one is not easy. Luckily, choosing the best one for you is a far more straightforward process, one that I will be looking at in this post.
Read on to find out who offers the best cheap car insurance in Massachusetts for your particular requirements so that you can make the best decision possible – one that can end up saving you a lot of money.
What Car Insurance Is Required in Massachusetts?
All licensed drivers in Massachusetts have to carry auto insurance, which complies with or exceeds the state’s minimum requirements.
These minimum requirements include bodily injury liability, property damage liability, uninsured motorist bodily injury, and personal injury protection coverages. All other coverages are optional.
Minimum Coverage Requirements
There are also minimum limits for these coverages which are set by the state of Massachusetts as follows:
- Bodily injury liability – $20,000 per person and $40,000 per accident
- Property damage liability – $5,000
- Uninsured motorist bodily injury – $20,000 per person and $40,000 per accident
- Personal injury protection (PIP) – $8,000
Top 10 Cheap Car Insurance Companies in Massachusetts
Here are the 10 providers of the cheapest car insurance in MA:
- State Farm
- The Hanover
- Safety Insurance
- National Grange Mutual
- Plymouth Rock
Geico is one of the largest insurance companies in the country known for its technology and low rates. It is the best choice for those who are looking for low rates and can handle the policy online without any agents being involved in the process.
Geico offers all typical coverages and a few optional ones, such as mechanical breakdown coverage. Even though their rates are on the lower side, they also have a pretty good list of discounts, including good student, multi-vehicle, using seat belts, multi-policy discounts, and others.
- Low rates
- Various discounts
- Mechanical breakdown coverage
Amica is mostly known for its overall customer satisfaction and excellent customer service. While their auto insurance coverages are quite basic, they add some nice perks to make them more attractive. This includes free lock replacement in case of a lost or stolen key, free airbag repair, free repair of glass, and more.
You can also get the Platinum Choice Auto package for extra add ons including accident forgiveness, disappearing deductible, and full glass coverage.
- Excellent customer service
- Accident forgiveness
- Many free perks
Progressive is a well-known car insurance company throughout the country, and they are quite popular in Massachusetts as well. They have flexible coverage options with many add ons. These include gap insurance, pet injury protection, deductible savings bank, and custom parts and equipment coverage.
Besides the many discounts available with Progressive, you can also save on your car insurance premiums by opting in their free Snapshot program, which tracks your driving habits and can earn you additional discounts. They are also known for their online tools, including a mobile app, rate comparison tool, and The Name Your Price tool.
- Affordable and flexible coverages
- Snapshot program for additional discounts
- Many online tools
4. State Farm
State Farm is known as one of the best car insurance providers in the US, and Massachusetts is not an exception. They offer high-quality coverages and customer services. Their rates are not the lowest in the state, but you can save on the premium by enrolling in their Drive Safe & Save program and taking advantage of discounts on offer.
They also offer rental car and travel expenses coverage, which will not only cover the cost of a rental car if yours is in the shop but also meals and other expenses if you have an accident away from home.
- Many ways to save
- Large selection of coverages
- Great customer satisfaction
5. The Hanover
The Hanover is an auto insurance provider selling all major coverages. They offer three packages – Platinum Auto Essential, Platinum Auto Advantage, and Platinum Auto Elite. All these packages include a different amount of extra add ons. Some of these extras can include trip interruption, per injury coverage, accident forgiveness, deductible dividends, key replacement coverage, and many others.
The Hanover list of discounts is also impressive with multi-policy and multi-vehicle discounts, and SmartPath mobile app that monitors your driving and can earn you a discount.
- Good rates
- Very large selection of extra coverages
- Many discounts available
6. Safety Insurance
Safety Insurance is a regional auto insurance provider with great rates for drivers in Massachusetts. They offer their policyholders VIP Claim Service, which is there to speed up the whole claim process. Not only will they take care of your damaged car, but they will also provide you with a replacement car at no extra cost.
Safety Insurance offers all basic coverages and has many discounts. Their discounts include excellent drivers, hybrid vehicles, and loyal customer discounts, among others.
- Great overall customer satisfaction by J.D. Power
- VIP Claim Service
- Good list of discounts
Arbella is another regional car insurance provider with great rates and many extra coverages. They offer all basic auto insurance coverages that can be complemented with optional add ons. These include accident forgiveness, disappearing deductible, pet protection, snowplow coverage, and many more.
Some policies qualify for The Customer Care package, which includes enhanced rental car coverage, new vehicle replacement, and enhanced roadside assistance. With Arbella, you can save by combining your insurance policies or take advantage of other discounts available.
- Regional auto insurance provider
- Great rates
- Discounts available
OneBeacon offers affordable car insurance with a reputation for great customer service. They are known for fast claim handling and have an excellent rating from A.M. Best. OneBeacon has a long list of coverages available, including extras such as roadside assistance, gap insurance, and rental reimbursements.
OneBeacon sells its policies through insurance agents who will help you to choose the right amount of coverage and offer you discounts that you may qualify for.
- Affordable rates
- Gap coverage
- Fast claim handling
9. National Grange Mutual
National Grange Mutual is a regional auto insurance provider that sells policies through agents. This means you can’t just go online and get a quote, but an agent can help you if you are not sure what coverage you need and what discount you can get. The selection of coverages is really great for a company of the relatively small size, and the rates are around the state’s average.
National Grange Mutual is known for its brilliant customer service, especially when it comes to claims handling.
- Excellent customer service
- Easy claim filling and fast handling
- Good selection of coverages
10. Plymouth Rock
Plymouth Rock is a relatively expensive auto insurance provider. It offers very flexible policies with a unique rewards program. While they do offer three standard packages – Base, Well-Equipped, and Fully Loaded, these are highly customizable. You can change coverages and limit as you wish and see how that affects your premium.
Their rewards include the Get Home Safe program, which will reimburse your taxi ride up to $50 in case you’re incapable of driving due to drowsiness or something else.
- Highly customizable policies
- Unique rewards
- Discounts available
What Is The Cheapest Car Insurance in Massachusetts?
Determining the cheapest car insurance provider in Massachusetts is not an easy task since the individual rate depends on many factors such as age, driving records, gender, location, and more.
We looked at some different types of drivers and found the insurers that generally offer the best average rates for these cases.
- Overall Cheapest: Geico
- Cheapest for Young Drivers: Car insurance for a 25-year-old good driver in Massachusetts comes from Safety Insurance at $1,044 per year.
How can I lower my car insurance in Massachusetts?
Massachusetts has quite a few options when it comes to lowering your car insurance. Make sure you shop around.
Not only is this the best time to look for companies offering lower premiums, but it is also the best time to get discounts! Make sure you understand what your requirements are and what things you can improve to get further discounts such as better driving.
Average Cost of Car Insurance in Massachusetts
The average auto insurance cost in the state of Massachusetts is $1,191 per year, around the national average. This is an average, and it fluctuates quite a bit, depending on many factors.
Here are some more detailed average costs of car insurance in Massachusetts:
- Good drivers on average pay $1,436 per year
- Drivers with accidents on average pay $2,271 per year
- Driver with high mileage on average pay $1,436 per year
- 25-year-old male drivers on average pay $1,548 per year
- 60-year-old female drivers on average pay $1,333 per year
Who has the best car insurance rates in Massachusetts?
Since there are many factors to consider, the best car insurance is difficult to define. Different drivers have different coverage needs and budgets, so finding the best car insurance is very personal.
Once you decided what coverage you need and how much you can spend on your policy, the best way is to choose a few different companies, get quotes from them, and compare the rates.
If you are not sure what coverage you need, you can always consult an auto insurance agent.