Massachusetts Car Insurance Companies

Massachusetts is one of the most popular states however the list of car insurance companies licensed to write private passenger automobile insurance policies is quite small with only about 25 companies offering car insurance to MA residents.

As of July 2009, the following companies were licensed in Massachusetts to write car insurance coverage. Enter your zip code above for FREE car insurance quotes!

Is car insurance expensive in Massachusetts?

Using a national average, Massachusetts is one of the cheapest states for car insurance with only six other states having lower average car insurance premiums.

According to a report commissioned by Insure.com in 2010, Massachusetts residents enjoy average car insurance rates of $1,043.80.

Here is a list of Massachusetts auto insurance companies:

• Allstate
• AIG
• Ameriprise (IDS Property Casualty)
• Amica Mutual
• Arbella Mutual
• Citizens Insurance (Hanover)
• Commerce Insurance
• Electric Insurance
• Encompass Insurance (Massachusetts)
• Farm Family Casualty
• Fireman’s Fund (American Automobile Insurance Company)
• Geico
• Harleysville Insurance
• Liberty Mutual
• Metropolitan Property and Casualty
• NGM Insurance
• Norfolk & Dedham Mutual Fire Insurance Co.
• Occidental Insurance
• OneBeacon
• Peerless Insurance
• Plymouth Rock Assurance Corp.
• Praetorian Insurance
• Preferred Mutual Insurance Co.
• Premier Insurance Company of Massachusetts
• Progressive
• Quincy Mutual Fire Insurance Company
• Safety Insurance
• State Farm
• USAA
• Vermont Mutual

Always consult with the Massachusetts Office of Consumer Affairs & Business Regulation if you require information regarding the most current list of licensed car insurance companies as they are the only source to verify this type of information.

Most content on the web becomes dated and this list was published with information we believe to be current as of July 2010 although may/may not be complete as of today or void of unintentional errors.

Is Massachusetts a no-fault car insurance state?

Yes and this is one of the many reasons why Massachusetts car insurance rates tend to be lower than other states.

In fact, when you look at all the states with no car insurance laws, you will see that only Michigan is in the top 10 most expensive states in America.

This has more to do with a unique set of car insurance laws in Michigan regarding lifetime medical liability to car insurance companies than anything else.

The minimum requirements for auto insurance in Massachusetts are for bodily injury liability coverage, property damage liability coverage, and uninsured/underinsured motorist coverage.

The minimum coverage is not enough for many drivers. You may also consider additional coverage options like collision coverage, comprehensive coverage, GAP insurance, and personal injury protection so you don’t have to pay for expensive damages out of pocket.

While a liability-only policy is the cheapest car insurance option, it may not give you the coverage you need.

What is the average cost of car insurance in Massachusetts?

In Massachusetts, drivers pay an average rate of $1,112 per year, or $93 per month, for car insurance. If you’re paying a significantly higher auto insurance rate, perhaps because you don’t have a clean driving record or you have a poor credit history, make sure to shop around and get a personalized quote from multiple companies.

While doing so, ask about any insurance discounts you might be entitled to. Many insurance providers offer student discounts, defensive driving course discounts, and bundling discounts. Also called a multi-policy discount, this one will get you lower rates for buying an auto policy and a homeowners or life insurance policy with the same company. This can significantly bring down your overall insurance costs.

How can you get Massachusetts auto insurance quotes?

Even with only a couple dozen car insurance companies drivers still can get cheap auto insurance rates in Massachusetts.

Start a car insurance comparison search online today to compare auto insurance companies in MA.

Enter your zip code below for FREE car insurance quotes today!