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What to Know
The right car insurance company for you depends mostly on who you are. USAA fits if you can get a membership, which requires a direct military connection – active duty members, veterans, and their immediate families. Progressive fits if you want to handle everything online. Geico suits anyone chasing as many discounts as possible, and Travelers suits drivers who want accident forgiveness or new car replacement.
Massachusetts is a no-fault state, so after a crash, your own personal injury protection pays your medical bills first, regardless of which driver's insurer would otherwise be on the hook.
Our Best Car Insurance Companies in Massachusetts
- Best for the Military Community: USAA
- Best Online Experience: Progressive
- Best for Discounts: Geico
- Best for Hybrids and EVs: Travelers
USAA
Best for the Military Community- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like USAA in Massachusetts
USAA is our pick for the military community. It offers 13 discounts, including military on-base, car storage, and MyUSAA legacy. These align with the military lifestyle, which often means your vehicle sits at home for several months or longer while you're deployed.
Pros and Cons
Pros
- Military-specific policy and discount options
- Offers gap insurance
Cons
- Membership required
Company Review
USAA covers the basics Massachusetts drivers need, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. It also offers gap insurance, rideshare insurance, rental reimbursement, and roadside assistance with towing and labor. Members can get quotes, buy policies, and file claims online.
Its discounts include USAA SafePilot, a usage-based program that tracks how you drive, plus good student, defensive driver training, new vehicle, anti-theft device, and automatic payments. If you aren't eligible for membership, USAA isn't an option.
Progressive
Best Online Experience- Discounts
- 13
- Online Quotes
- Online Policy Purchase
Why We Like Progressive in Massachusetts
Progressive is our pick for shopping and managing a policy online. You can get a quote, buy a policy, and file a claim online without needing a membership. It even offers discounts for doing things online, including an online quote discount and a sign online discount.
Pros and Cons
Pros
- Easy to manage policy online
- Offers gap insurance
Cons
- Fewer discounts than some competitors
Company Review
Progressive offers liability, collision, and comprehensive coverage plus gap insurance. It also offers personal injury protection, MedPay, uninsured/underinsured motorist, rental reimbursement, roadside assistance, and rideshare coverage. Two less common options stand out: a vehicle protection plan and custom parts and equipment coverage for aftermarket additions.
Its discounts include Snapshot, a safe driver program, along with continuous coverage, multi-car, multi-policy, and homeowner discounts. If a young driver is joining the policy, look at the teen driver, good student, and distant student discounts.
Geico
Best for Discounts- Discounts
- 23
- Online Quotes
- Online Policy Purchase
Why We Like Geico in Massachusetts
Geico is our pick for discounts, with 23 on its list. Several of them target specific groups, including federal employees, military members, deployed drivers, and members of certain organizations or employers. Check which one applies to you.
Pros and Cons
Pros
- 23 discounts to choose from
- Buy a policy online
- File claims online
Cons
- No gap insurance
Company Review
Geico sells liability, collision, and comprehensive coverage, along with personal injury protection, medical payments, uninsured/underinsured motorist, emergency road service, rental reimbursement, mechanical breakdown insurance, and custom parts and equipment coverage. You can get a quote, buy a policy, and file claims online.
Its discounts cover safety features like anti-lock brakes, daytime running lights, and anti-theft systems. It also has driver-based savings such as a clean driving record, a defensive driving course, and DriveEasy, its usage-based program. Geico doesn't offer gap insurance, so if you owe more on a loan than the car is worth, you'll need that coverage elsewhere.
Travelers
Best for Hybrids and EVs- Discounts
- 9
- Online Quotes
- Online Policy Purchase
Why We Like Travelers in Massachusetts
Travelers is our pick for hybrid and EV owners. It stands out for coverage extras that protect a newer car, including new car replacement, gap insurance, and accident forgiveness. It also has a specific discount for hybrids and EVs.
Pros and Cons
Pros
- Hybrid and EV discount
- Offers new car replacement
- Offers gap insurance
Cons
- No online policy purchases
Company Review
Travelers offers liability, collision, and comprehensive coverage plus gap insurance. Its add-ons include personal injury protection, medical payments, uninsured/underinsured motorist, extended transportation expenses for rental costs, roadside assistance, limited ride-sharing coverage, and named non-owner insurance for people who drive but don't own a car.
You can get a quote and file a claim online, but you can't buy a policy online. Expect to finish the purchase with an agent or by phone.
Massachusetts Car Insurance Requirements
Massachusetts is a no-fault state, and every policy has to include these four coverages. The amounts below are the minimums set by the Massachusetts Division of Insurance.
Massachusetts minimum coverage
- Bodily injury liability
- $25,000 per person/$50,000 per accident. This pays for injuries you cause to other people.
- Property damage liability
- $30,000 per accident. This pays for damage you cause to someone else's car or property.
- Personal injury protection (PIP)
- $8,000 per person, covering medical bills, up to 75% of lost wages, and replacement services. This covers you and your passengers no matter who caused the crash.
- Uninsured motorist
- $25,000 per person/$50,000 per accident. This protects you when the at-fault driver has no insurance.
None of these pays to fix or replace your own car. Collision coverage pays for crashes, and comprehensive coverage pays for theft, weather, damage caused by animals, and similar incidents.
A serious accident can also produce bills larger than the minimum limits, and you could be responsible for the difference. If you have savings or a home to protect, price out higher liability limits.
How to Save on Car Insurance in Massachusetts
Raise your deductible
A higher deductible usually lowers your premium. Pick one you could actually pay out of pocket soon after a crash.
Ask for the discounts that fit your life
Discounts vary a lot by company. Geico has a federal employee discount, USAA has military on-base and car storage discounts, and Progressive has a distant student discount for college students without a car.
Try a usage-based program
Programs like Progressive's Snapshot, GEICO's DriveEasy, and USAA SafePilot track how you drive. They can work in your favor if you drive carefully and not very far at a time.
Bundle your policies
USAA, Progressive, and Geico all offer discounts for combining car insurance with another policy, such as home or renters coverage.
Compare quotes every year
Insurers price the same driver differently, and your renewal price can change even when nothing about you has. Comparing quotes before each renewal is the simplest way to see whether you're paying more than you need to.
Frequently Asked Questions
Is Massachusetts a no-fault state for car insurance?
Massachusetts is a no-fault state, so your own personal injury protection pays your medical costs after a crash, no matter who caused it. The required PIP is $8,000 per person and covers medical bills, up to 75% of lost wages, and replacement services.
What is the minimum car insurance required in Massachusetts?
Massachusetts requires bodily injury liability of $25,000 per person/$50,000 per accident, and property damage liability of $30,000 per accident. You also need PIP of $8,000 per person and uninsured motorist coverage of $25,000 per person/$50,000 per accident.
Is uninsured motorist coverage required in Massachusetts?
Every Massachusetts policy must include uninsured motorist coverage of at least $25,000 per person/$50,000 per accident. It covers your injuries if the at-fault driver has no insurance.
Does minimum coverage pay to repair my own car?
No. The required coverages pay for injuries and damage you cause to others, plus your own injuries through PIP and uninsured motorist coverage. To cover damage to your own car, you need collision and comprehensive coverage. If you have a car loan, ask about gap insurance too.
