Best Auto Insurance Company In Massachusetts: Who's Top?

Finding the best auto insurance company in Massachusetts can be a confusing and time-consuming process. There are many factors to consider, including an insurer's financial strength, customer satisfaction, affordability, and the range of coverage options and discounts available. According to recent analyses by U.S. News, NerdWallet, Bankrate, and MarketWatch, Geico is the best auto insurance company in Massachusetts for affordability, with the lowest average annual premium in the state. However, Travelers is rated the best overall auto insurance company in Massachusetts by NerdWallet, thanks to its broad range of coverage options and discounts and strong presence in the state. Other highly-rated auto insurance companies in Massachusetts include Amica, Progressive, Allstate, Mapfre, and Farmers.

Discounts and benefits

Geico

Geico is one of the most popular insurance companies in Massachusetts, known for its affordable rates and wide range of discounts. Here are some of the key discounts they offer:

• Safe driver discount
• Young driver discount
• Good student discount
• Multi-vehicle discount
• Vehicle safety features discount
• Federal employee discount
• Good grades discount

Progressive

Progressive is another top insurance company in Massachusetts, offering a variety of discounts to its customers. Some of the notable discounts include:

• Usage-based insurance discount
• Multi-policy discount
• Multi-vehicle discount
• Safe driver discount
• Continuous insurance discount
• Paperless discount

Amica

Amica is known for its excellent customer service and wide range of coverage options. They also offer several discounts to their customers, such as:

• Auto insurance dividend policy
• Accident-free discount
• Pay-in-full discount
• Loyalty discount
• Multi-policy discount

Mapfre

Mapfre is the leading auto and home insurer in Massachusetts, offering excellent service and a range of discounts to its customers. Some of the key discounts offered by Mapfre include:

• Clean in Three Discount: For drivers with no accidents or violations in the last three years.
• Good Student Discount: For full-time students who meet scholastic requirements.
• Marketing Partner Discount: For those who have donated to the Pan Mass Challenge.

Farmers

Farmers Insurance is one of the largest insurers in the country, offering a wide range of coverage options and discounts. Some of the notable discounts offered by Farmers include:

• Accident forgiveness
• Safe driver discount
• Multi-policy discount
• Multi-vehicle discount
• Loyalty discount

In addition to these top insurance companies, other insurers in Massachusetts, such as The Hanover, Travelers, and USAA, also offer a range of discounts and benefits to their customers. It's always a good idea to shop around and compare quotes from multiple insurance companies to find the best discounts and benefits for your specific needs.

Customer complaints

When it comes to customer complaints, there are a few auto insurance companies in Massachusetts that stand out for having few grievances registered against them. Here's a more detailed look at some of these insurers:

Mapfre

Mapfre is the largest auto insurer in Massachusetts, and it boasts the lowest number of customer complaints relative to its market share. This Spain-based company offers a wide array of coverage options and add-ons, including accident forgiveness and a disappearing deductible, which reduces your deductible for each year of accident-free driving. Mapfre also provides discounts for bundling policies, safe driving, and more. You can get a quote, file claims, and make payments online or through independent agents. Their ePICS program expedites the claims process by allowing drivers to submit photos of vehicle damage via email.

Amica

Amica has solid financial strength ratings and impressive customer satisfaction scores. They offer unique incentives like an auto insurance dividend policy, which could return up to 20% of your premium as a dividend each year. Amica also has a focus on providing ample discounts and savings opportunities. However, their average rates are higher than the state average, and high-risk drivers may not see as much savings on their premiums.

Travelers

Travelers is one of the largest insurance providers in the nation and offers a broad range of coverage options, including gap insurance and premier new car replacement. They also have a large set of discounts that reward electronic payments, safe driving, and more. With over 1,400 insurance agency partnerships in Massachusetts, they provide in-person attention, but their mobile app and online options also make them a good fit for tech-savvy individuals.

Farmers

Farmers is one of the country's largest insurers and offers a long list of discounts. They received higher-than-expected customer satisfaction ratings for auto insurance shopping and claims. However, they scored below average in a recent J.D. Power study for auto insurance shopping. Farmers provides the option to get quotes, pay bills, and file claims online, making them a good choice for those seeking ease of use.

Coverage options

Travelers

Travelers is considered the best overall auto insurance company in Massachusetts by NerdWallet. They offer a broad range of coverage options, including gap insurance and premier new car replacement. This means that if your new car is totaled within the first five years, Travelers will pay to replace it. They also offer a large set of discounts that reward electronic payments, safe driving, and more.

Geico

Geico is known for offering affordable coverage and has the highest possible financial strength rating from AM Best. They offer various coverage options, including rental car reimbursement and mechanical breakdown insurance. They also have a usage-based insurance program called DriveEasy, which offers personalized discounts based on driving behaviour.

Mapfre

Mapfre, the largest auto insurer in Massachusetts, offers a wide variety of coverage options, including accident forgiveness and a disappearing deductible. This means your deductible decreases each year you maintain a clean driving record. They also offer discounts for bundling different insurance plans and safe driving.

Farmers

Farmers offer one of the widest selections of optional coverages, including accident forgiveness, customized equipment coverage, and new car replacement coverage. They also provide additional insurance products, such as homeowners insurance, life insurance, and pet insurance.

Progressive

Progressive offers various coverage options, including gap insurance, ridesharing coverage, and custom parts coverage. They also have a usage-based insurance program called Snapshot, which helps safe drivers save money.

Amica

Amica offers all six standard forms of coverage and several optional coverages, including auto loan/lease coverage, full glass coverage, and rental reimbursement coverage. They also have a unique auto insurance dividend policy, which could return up to 20% of your premium as a dividend each year.

The Hanover

The Hanover offers standard coverage options and some additional benefits, including accident forgiveness, deductible dividends, and newer car replacement.

When choosing an auto insurance company, it's important to consider your specific needs and compare the coverage options offered by different providers.

Affordability

Geico

Geico is consistently ranked as one of the most affordable auto insurance providers in Massachusetts. With an average annual premium of $978, it offers rates well below the state average of $1,399. Geico also has the lowest average premiums for full coverage in the state, making it a cost-effective option for those seeking comprehensive protection. Additionally, Geico provides a range of discounts, including for safe drivers and young drivers, making it even more affordable for certain demographics.

Progressive

Progressive is another affordable option for Massachusetts drivers. It offers a wide range of coverage options, including gap insurance, ridesharing coverage, and custom parts coverage. While its rates are slightly higher than Geico's, Progressive still offers competitive pricing, especially for minimum coverage. Progressive also has a usage-based insurance program called Snapshot, which can help safe drivers save even more on their premiums.

Plymouth Rock

Plymouth Rock is often the cheapest option for both minimum and full-coverage insurance in Massachusetts. With rates as low as $42 per month for liability insurance and $142 per month for full coverage, it's a great choice for budget-conscious drivers. Plymouth Rock also offers a variety of discounts, including multi-car and pay-in-full discounts, making it even more affordable.

USAA

USAA is a highly affordable option for military members, veterans, and their families. While it's not available to the general public, USAA offers competitive rates and a range of discounts tailored to the unique needs of military personnel. USAA also provides a usage-based program called SafePilot, which can help good drivers save even more.

Farmers

Farmers Insurance offers competitive rates, particularly for minimum coverage. With 15 available discounts, including multi-vehicle and young driver discounts, Farmers makes insurance even more affordable for Massachusetts residents. Additionally, Farmers provides a wide range of coverage options, including rideshare coverage and customized equipment coverage, ensuring that you can find the protection you need at a price that fits your budget.

Customer satisfaction

Geico

Geico is consistently ranked highly for customer satisfaction in Massachusetts. They offer a wide range of discounts, including for safe drivers and young drivers, and have a highly-rated mobile app. Geico also has nationwide availability and a robust website and mobile app that make it easy to file claims and manage your policy online. However, they do not offer gap or rideshare insurance.

Amica

Amica receives impressive scores for customer satisfaction and has solid financial strength ratings from AM Best. They offer unique incentives such as an auto insurance dividend policy, which could return up to 20% of your premium as a dividend each year. Amica also provides a wide range of coverage options and add-ons, including accident forgiveness and a disappearing deductible.

Progressive

Progressive scores well for customer satisfaction and has a superior financial strength rating from AM Best. They offer a variety of products, including gap insurance, ridesharing coverage, and custom parts coverage. Progressive also has robust digital tools and a website that make it easy to manage your policy. However, their rates tend to be higher than the state average.

Farmers

Farmers Insurance is rated above average for customer satisfaction in both auto insurance shopping and claims. They offer a long list of discounts and a wide range of coverage options, including accident forgiveness, new car replacement, and roadside assistance. Farmers also have a highly-rated mobile app and a strong presence in the state.

The Hanover

The Hanover receives high marks for customer satisfaction and has an excellent financial strength rating from AM Best. They offer a few extra coverage options and benefits, including accident forgiveness, deductible dividends, and newer car replacement. The Hanover also has a strong commitment to customer service, as reflected by their A+ rating from the BBB.

Chubb

Chubb is recognized as the best overall car insurance company in Massachusetts by MoneyGeek, and they also excel in customer satisfaction. They offer a wide range of coverages, including rare options like OEM coverage and antique/classic car insurance. Chubb has high satisfaction and claims handling scores, indicating superior customer service. However, they do not offer roadside assistance or gap insurance.

Frequently asked questions