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 and done some research for you.
NerdWallet looked at 20 insurers available in Massachusetts to find the top companies for the following categories:
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
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.
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: Progressive
Progressive’s wide variety of coverage types and discounts make it a great option for Massachusetts drivers, who can choose to add trip interruption coverage, pet injury coverage, rideshare coverage and more to their policies. Progressive also offers several discounts, including a Deductible Savings Bank program. With this program, the insurer knocks $50 off your collision or comprehensive deductibles every time you go six months without a driving violation or filing a claim.
Its vast offerings, along with its large network of independent and local agents all around the state, make Progressive NerdWallet’s best overall auto insurer for Massachusetts.
Progressive
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
Progressive
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Progressive offers a variety of products, but there’s room for improvement when it comes to customer satisfaction.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Fewer than expected
Second-largest personal auto insurer in the country.
If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills.
Rideshare coverage available.
Below average rating for car insurance shopping and claims satisfaction from J.D. Power.
Best budget auto insurance in Massachusetts: Geico
Out of the 11 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 Shopping 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.
Geico
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Robust website and mobile app.
Many discounts available.
Doesn’t offer gap or rideshare insurance.
Limited network of local agents.
Geico
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
With nationwide availability and a raft of discounts, Geico is a popular, and often affordable, choice for car insurance.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Above-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Robust website and mobile app.
Many discounts available.
Doesn’t offer gap or rideshare insurance.
Limited network of local agents.
Best car insurance in Massachusetts for customer satisfaction: The Hanover
The Hanover may seem a bit old-school for some, since it doesn’t offer online car insurance quotes — its customers must work with an independent agent. What The Hanover may lack in online accessibility, it makes up with its customer service: This insurer boasts the lowest number of customer complaints in Massachusetts.
The Hanover offers a variety of coverage options, including roadside assistance, accident forgiveness and newer car replacement, which replaces your old car with a newer model in the event of a total loss. This insurer also offers bundling options for home and auto insurance beyond just discounts.
Best for customer satisfaction
Hanover
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
The Hanover sells highly customizable policies in 20 states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Below average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Complaints are low.
Lots of coverage options.
Combination (home and auto) policies available.
Can’t get a quote online.
Best for customer satisfaction
Hanover
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
The Hanover sells highly customizable policies in 20 states.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Below average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Far fewer than expected
Complaints are low.
Lots of coverage options.
Combination (home and auto) policies available.
Can’t get a quote online.
Best Massachusetts auto insurance for ease of use: Liberty Mutual
Liberty Mutual offers auto insurance add-ons such as gap insurance, better car replacement and accident forgiveness. They provide discounts for teachers, military and good students in addition to rewarding safe driving practices with premium reductions.
Although Liberty Mutual’s range of coverage options and discounts helped it score 4.5 NerdWallet star ranking, the category where this insurer truly shines is ease of use. Liberty Mutual’s online portals make it easy to build a policy, file claims and pay your premium online. This insurer provides online quotes, easy app access via QR codes on its website, online bill payment and accessible online accounts.
Liberty Mutual
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Many types of coverage available.
Lost of discounts.
Robust digital tools.
Auto claims satisfaction rating is below average.
Liberty Mutual
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.
Liberty Mutual offers a long list of discounts, plus robust digital tools on its website and app.
DiscountsRatings are based on the number of discounts a company offers in comparison to other insurers.
Great set of discounts
Ease of useRatings are determined by our editorial team. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim.
Above average
NAIC complaintsRatings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Close to expected
Many types of coverage available.
Lost of discounts.
Robust digital tools.
Auto claims satisfaction rating is below average.
Full list of the best auto insurance companies in Massachusetts
Out of all 20 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.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
5.0
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
4.5
NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formula incorporates discounts, website transparency, financial strength, complaint data and more.
*USAA is available only to military, veterans, and their families.
Fannie Hogan is a writer and editor who covers lifestyle, books, sports, education, and tech. She's always loved to write—from the time she was a little girl writing stories about talking animals to the day she got her first job as an editor at a lifestyle magazine.
Her hobbies include long walks on the beach, running, and taking breaks from work to read a good book.
