Auto Insurance Companies in Massachusetts

Drivers in Massachusetts have more than 500 auto insurance companies to choose from, and making an uninformed choice could mean overpaying by more than $900 per year. To make comparing and shopping for auto insurance easier, we've curated a list of the top auto insurance companies in Massachusetts. Below, we rank each company based on the size of their operations in Massachusetts and discuss which companies have the best rates, ratings and reviews.

RankAuto Insurance CompanyPremiums UnderwrittenMarket ShareDetails
1MAPFRE Insurance$1.2 billion24%Read More
2Liberty Mutual$0.6 billion13%Read More
3GEICO$0.5 billion10%Read More
4Safety Insurance$0.5 billion9%Read More
5Arbella Insurance$0.4 billion9%Read More
6Plymouth Rock$0.3 billion7%Read More
7MetLife$0.2 billion4%Read More
8Progressive$0.2 billion4%Read More
9Amica$0.1 billion3%Read More
10Hanover Insurance$0.1 billion3%Read More

1. MAPFRE Insurance

MAPFRE provides auto insurance coverage through several subsidiaries, including the Commerce Insurance Company, which was founded in Webster, Massachusetts. Today, MAPFRE insures 1 in every 4 vehicles that are registered in Massachusetts. While the company originally only provided policies in Massachusetts, MAPFRE made a few acquisitions in 1995 that allowed it to begin offering policies in California and Oregon. Since then, the company has expanded and it now offers insurance in 19 states across the country.

Our Thoughts: MAPFRE offers some of the lowest priced quotes for drivers in Massachusetts. Beyond just low rates, the company also offers a few unique perks, like a discount on a AAA membership. However, MAPFRE's reviewers often complain about a sluggish claims process. If you're comfortable with a lot of back and forth before receiving compensation from your insurance company after filing a claim, MAPFRE is a decent choice for your auto insurance needs.

  • A (Excellent) A.M. Best Financial Strength Rating
  • 4 out of 5 rating from J.D. Power for overall satisfaction

2. Liberty Mutual

Liberty Mutual is the second largest auto insurance company in Massachusetts, and its policies make up 13% of the market share within the state. Liberty Mutual offers exclusive savings to certain alumni groups, companies and associations in the state of Massachusetts. For instance, University of Massachusetts Amherst Alumni Association members and Northeastern University alumni are eligible for auto insurance discounts.

Our Thoughts: Liberty Mutual's exclusive discounts aren't enough to offset the company's average-priced auto insurance quotes. Furthermore, Liberty Mutual's policies lack any features that make this insurer unique, meaning most drivers will find that other insurance companies provide more coverage options and lower prices.

  • A (Excellent) A.M. Best Financial Strength Rating
  • 2 out of 5 rating from J.D. Power for overall satisfaction

3. GEICO

Whether you're researching car registrations or teen driver laws in Massachusetts, GEICO's site serves as a valuable tool. Furthermore, GEICO provides quotes quickly so you can compare rates and features against other insurers. Much like Liberty Mutual, GEICO offers discounts to certain alumni groups in Massachusetts.

Our Thoughts: If you're searching for the cheapest auto insurance, it'll be difficult to find a company that offers lower priced quotes than GEICO. The company is known for its rock-bottom rates, and it doesn't disappoint in the Codfish State. While its discounts and coverage options aren't the best, they are consistent with the offerings of its competitors, making GEICO an excellent choice for most drivers in Massachusetts.

  • A++ (Superior) A.M. Best Financial Strength Rating
  • 4 out of 5 rating from J.D. Power for overall satisfaction

4. Safety Insurance

Safety Insurance is a regional company that only provides auto insurance policies to residents of Massachusetts, New Hampshire and Maine. Its small coverage area has allowed it to gain a 9% market share in Massachusetts. Safety Insurance is actively involved in many of the communities where it sells auto insurance policies. For instance, the company established the Safety Insurance Charitable Foundation in 2005 to provide support to several charities, including the United Way of Massachusetts and the New England Center for Homeless Veterans.

Our Thoughts: Safety Insurance is reasonably priced, but if you're looking for the absolute best rates, you'd be better off with a difference insurance company. Additionally, the company doesn't provide online quotes, meaning you'll have to speak to an independent agent. If you'd prefer to purchase your policy online, consider purchasing coverage through Progressive.

  • A (Excellent) A.M. Best Financial Strength Rating

5. Arbella Insurance

Much like Safety Insurance, Arbella Insurance is a regional company that provides coverage in Massachusetts and Connecticut. The company was founded in Quincy, Massachusetts, in 1988. Arbella Insurance provides unique policy add-ons that drivers in Massachusetts might find helpful. For instance, its Snowplow Endorsement provides coverage for loss or damage to a snowplow installed on an insured vehicle, which might prove helpful during Massachusetts' snowy winters.

Our Thoughts: Despite the company's focus on customers who live in Massachusetts, Arbella is a below-average insurance company. Arbella Insurance is plagued by negative reviews citing delays in receiving payment for claims. While the company does provide solid auto insurance rates, other companies, like GEICO, offer comparably priced quotes with better track records for their turnaround time when responding to claims.

  • A- (Superior) A.M. Best Financial Strength Rating

6. Plymouth Rock

Plymouth Rock is the sixth-largest auto insurance company in Massachusetts, where it owns 7% of the market. The company provides auto insurance coverage through a network of independent agents, which are spread throughout Massachusetts. However, drivers can also get insurance quotes online or by phone.

Our Thoughts: Plymouth Rock's long list of available discounts makes its auto insurance rates affordable for most. Furthermore, policyholders benefit from unique perks like its Crashbusters mobile claim service. A user can request a representative to drive directly to them and assess damage to their vehicle after an accident, which speeds up the claims process.

  • A- (Excellent) A.M. Best Financial Strength Rating

7. MetLife

While MetLife is mostly known for its life insurance products, the company also offers auto insurance policies. Despite the fact that the company isn't as well-known for auto insurance coverage, MetLife provides drivers in Massachusetts with all the basic coverage options and add-ons that would be expected of a large insurance company. Whether you're searching for rental car coverage or roadside assistance, MetLife likely provides the policy modification you need.

Our Thoughts: MetLife is a decent choice for auto insurance coverage—but certainly not the best. There are other companies that either offer lower quotes or get better overall customer reviews, which indicate better service. If you're considering MetLife as an insurance company, it's best to compare rates to ensure you're getting a fair deal.

  • A+ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

8. Progressive

Progressive is one of the largest auto insurance companies in the country and ranks as the eighth largest in the state of Massachusetts. The company benefits from a network of independent agents that offer its policies in cities all across the state. If you're interested in a quote, you can generate one online. Alternatively, drivers can also get quotes by chatting with Progressive's Flo Chatbot on Facebook.

Our Thoughts: While Progressive doesn't offer features that are exclusive to drivers in Massachusetts, its discounts and affordable auto insurance quotes are hard to top. Even without other perks, Progressive is one of the best insurance companies available in Massachusetts. Unless you're looking for an insurance provider with top-notch customer claims resolution, Progressive is one of the best auto insurance companies in the state.

  • A+ (Superior) A.M. Best Financial Strength Rating
  • 3 out of 5 rating from J.D. Power for overall satisfaction

9. Amica

Amica has been around for over a century, as the company was founded in 1907. In 1941, the company opened its first branch in Boston. Amica operates as a mutual insurance company, which means that it is owned by its customers. Amica turns over profits to its customers in the form of a dividend, which can be spent on anything.

Our Thoughts: Amica is one of the top insurance companies available in Massachusetts. Not only might drivers be eligible to receive dividends, but the company offers some of the lowest auto insurance rates and constantly tops industry experts' rankings for customer satisfaction. Whether you're searching for the best auto insurance quotes or quality customer support, Amica offers both.

  • A+ (Superior) A.M. Best Financial Strength Rating
  • 5 out of 5 rating from J.D. Power for overall satisfaction

10. Hanover Insurance

Hanover Insurance operates two regional offices in Massachusetts: one in Worcester and another in Newton. It's the 10th-largest auto insurance company in the state of Massachusetts. Unfortunately, Hanover Insurance doesn't provide online quotes, which means if you're interested in getting coverage, you'll have to contact an independent agent in your area.

Our Thoughts: Hanover Insurance frequently draws ire from customers who say that contacting the company can be difficult. Furthermore, its auto insurance rates are pedestrian when compared to its competitors. Overall, there are better auto insurance companies in Massachusetts for most drivers.

  • A (Excellent) A.M. Best Financial Strength Rating
  • 4 out of 5 rating from J.D. Power for overall satisfaction

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