We have everything you need to know as a Massachusetts driver—from cost by company to average rates by driver type and more. If you would die for the Patriots to always make the Super Bowl, scoff at the whole “Paak the caah in Haavahd Yaaahd” thing, and enjoy an occasional lobster roll or two, this is the auto insurance information page for you.

What Are You Looking For?

Cheapest Massachusetts Providers

We took the time to calculate average premiums for average drivers from 61 car insurance companies—based on data from 40 cities in Massachusetts and seven driver profiles. Since the cheapest rates, provided by GEICO, starts at about $1,200 and the most expensive tops out over $6,500, you’ll want to take a look.

Cheapest Insurance CompaniesAverage Annual Cost
GEICO$1,238.10
USAA$1,464.09
Horace Mann$1,534.18
QBE Insurance$1,675.82
Arbella$1,715.67
IFA Insuarnce$1,760.87
Pharmacists Mutual$1,762.31
Ameriprise Financial$1,773.16
MAPFRE$1,799.85
Citizens$1,804.31
PURE$1,851.28
Cincinnati Insurance$1,851.38
Norfolk & Dedham$1,865.04
Concord Insurance$1,870.99
State Farm$1,886.23
AIG$2,001.46
Safety Insurance Group$2,003.82
National Grange$2,043.38
Travelers$2,049.21
Preferred Mutual$2,060.98
Vermont Mutual$2,072.39
Quincy Mutual$2,091.44
Plymouth Rock$2,109.40
Amica Mutual$2,129.83
American National Financial$2,141.49
Cumberland Insurance$2,159.87
Safeco$2,164.86
MetLife$2,185.36
Palisades$2,192.44
Allstate$2,222.21
CSAA$2,233.31
Selective Insurance$2,251.54
Amtrust$2,252.23
Erie$2,293.49
Farmers$2,338.92
ACE$2,349.31
Electronic Insurance$2,354.29
Mutual Benefit$2,395.74
Maryland Auto Insurance Fund$2,467.54
Chubb$2,529.44
Liberty Mutual$2,536.62
Agency Insurance Compnay Of Maryland$2,569.59
Pennsylvania National$2,580.10
Brethren Mutual Insurance$2,616.41
Esurance$2,675.99
Nationwide$2,787.09
Progressive$2,811.27
Elephant Insurance$2,906.51
21st Century$2,941.26
IAT Reins$3,004.06
Kemper$3,066.10
Donegal Insurance$3,228.96
State Auto Mutual$3,230.67
Main Street American$3,235.74
National General$3,373.74
The Hartford$3,542.26
Foremost Insurance$3,782.26
Titan$4,224.10
Public Service Group$5,000.65
Hallmark Financial Services$6,657.88
Dairyland$6,728.92

How Much Drivers Like You Spend On Auto Insurance

Average drivers are just that—average. You’re you, so it’s important to find out what you can expect to pay for car insurance by looking at drivers like you. Here are some mock driver profiles to help give you a better idea of what your policy might cost you in Massachusetts.

Cheapest For Drivers 25 And Younger

If you have six years of driving experience (we mean having a license) under your belt, you can expect lower rates than when you were in your teens. In fact, according to our research insurance premiums drop almost 50% on average when drivers turn 25. If price is all that matters, QBE Insurance, Vermont Mutual, and Arbella offer you the most affordable rates.  Here are some sample premiums for people 22-25—from cheapest to most expensive.

 Average Annual Cost
QBE Insurance$517.26
Vermont Mutual$562.96
Arbella$599.48
Preferred Mutual$639.81
Concord$667.67
Norfolk & Dedham$711.63
National Grange$742.19
Amtrust$767.48
Quincy Mutual$775.19
Safety Insurance Group$786.15
Plymouth Rock$791.41
Electric Insurance$816.89
Citizens$849.11
GEICO$875.34
MAPFRE$998.59
Safeco$1,237.70
American National Financial$1,305.04
AIG$1,348.94
Ameriprise Financial$1,446.43
Horace Mann$1,484.94
USAA$1,511.85
IFA Insurance$1,559.31
Amica Mutual$1,673.92
PURE$1,709.30
State Farm$1,794.09

Cheapest For 30-Year Old Drivers

When looking at how rates compare for drivers under 25 to drivers in their 30’s, rates are almost 200% lower. American National Financial–the cheapest according to our analysis for drivers licensed for 14 years– is 64% less expensive than its rates for drives under 25.  See how other companies measure up:

Best For Drivers in Their 30'sAverage Annual Cost
American National Financial$474.90
USAA$475.98
State Farm$496.40
AIG$542.10
QBE Insurance$552.90
Concord$560.50
Vermont Mutual$566.00
GEICO$569.00
ACE$577.72
Ameriprise Financial$595.70
Arbella Insurance$622.70
Norfolk & Dedham$638.50
Preferred Mutual$644.70
Citizens$670.20
Quincy Mutual$695.30

Cheapest For Married Couples

Looking at couples 22-24-years old and 50-52-years old, we found the average premiums per company. Main Street Take a look to see which car insurance providers offer the best deals to married drivers in Massachusetts:

Cheapest for CouplesAverage Annual Cost
Main Street America$1,097.08
CSAA$1,243.08
Selective Insurance$1,273.00
Foremost Insurance$1,380.38
State Auto Mutual$1,426.92
Pharmacists Mutual$1,444.77
GEICO$1,496.51
USAA$1,569.22
Pennsylvania National$1,590.46
Cumberland$1,616.69
Horace Mann$1,632.65
Cincinnati Insurance$1,689.77
Mutual Benefit$1,758.69
Erie$1,820.73
21st Century$1,867.46
Farmers$1,874.62
National General$1,925.15
Agency Insurance Co Of Maryland$1,968.85
Chubb Insurance$2,111.92
Ameriprise Financial$2,141.23
IFA Insurance$2,164.00
MAPFRE$2,174.84
Citizens$2,192.04
QBE Insurance$2,209.21
State Farm$2,215.53
Kemper$2,242.54
Arbella$2,265.36
Travelers$2,275.50
PURE$2,276.42
Palisades$2,289.54

Cheapest For Families With A Teen Driver

When a teen starts driving, insurance can get more expensive. That’s why we took a look at married couples with 22-24 years of driving experience and a teen who’s had his/her license for one year. Here are the cheapest companies for you if you fall into this category:

Most Affordable for FamiliesAverage Annual Cost
USAA$2,107.86
PURE$2,680.60
GEICO$3,022.53
Travelers$3,709.05
MAPFRE$3,812.20
QBE Insurance$3,845.00
Citizens$3,899.07
State Farm$3,911.40
Esurance$4,062.60
Liberty Mutual$4,101.67
Allstate$4,122.33
National Grange$4,168.47
Safety Group$4,176.27
AIG$4,185.40
Ameriprise Financial$4,213.93

City Rates

Living in downtown Boston will cost much more than in the Berkshires. Car insurance is the same. Depending on where you live, you’ll pay a different premium as an insured Massachusetts driver. See just how much premiums differ from city to city below.

Cheapest Cities for InsuranceAverage Annual Cost
Westford$520.04
Westborough$589.62
Amurst$1,390.72
West Roxbury$1,495.70
Newton$1,584.59
Waltham$1,615.30
Framingham$1,722.08
Cambridge$1,756.14
Quincy$1,936.12
Somerville$1,936.70
Lowell$1,967.84
Brighton$1,971.65
Boston$1,989.23
Washington$1,995.04
New Bedford$2,039.13
Fall River$2,040.30
Worcester$2,065.73
Allegany$2,107.96
Garrett$2,110.07
South Boston$2,121.37
Lawrence$2,199.03
Jamaica Plain$2,218.03
Roslindale$2,241.59
Springfield$2,290.33
Carroll$2,301.50
Hyde Park$2,360.44
Lynn$2,397.53
Anne Arundel$2,401.47
St. Marys$2,416.49
Calvert$2,465.98
Harford$2,471.86
East Boston/Charleston$2,562.72
Howard$2,565.65
Brockton$2,574.27
Charles$2,750.90
Dorcester$2,770.43
Montgomery$2,805.36
Roxbury$2,886.60
Prince George's$3,283.26
W. Roxbury$4,076.03
Baltimore City$4,380.17

Massachusetts Car Insurance Providers That Sell The Most Policies

We’ve analyzed top auto providers in Massachusetts so you can get a better handle on where customers are flocking. Why? Well, you might notice that some of the top-selling insurance companies don’t have the cheapest rates. It’s important to know why this is when selecting a company. It could be that more people like the extended coverage and service a company offers and are willing to pay the price. MAPFRE is Massachusetts 11th cheapest provider but they sell the most auto policies. On the other hand, GEICO, Massachusetts cheapest provider, is Massachusetts sixth top-selling provider.

 Market Share PercentAverage Annual Rate
MAPFRE24.95$1,799.85
Liberty Mutual13.18$2,536.62
Safety Group10.32$2,003.82
Arbella Insurance8.78$1,715.67
Plymouth Rock6.65$2,109.40
GEICO6.46$1,238.10
MetLife4.55$2,185.36
Progressive3.32$2,811.27
Amica Mutual3.1$2,129.83
The Hanover Insurance Group2.95N/A

You can make the final call on this, but we want you to look at popularity (measured in policies sold) in comparison to annual premium. It can tell you a lot about a company.

Customer Satisfaction Ratings

A “complaint index” shows how many customers complain compared to the total market share a company has. To you, this can equate to how happy customers are generally. The lower the complaint index, the less complaints. The higher the index, the more complaints.

 # Of ComplaintsComplaint Index
Occidental Fire & Cas Co of NC00
Peerless Ins Co00
Norfolk & Dedham Mut Fire Ins Co10.35
LM Gen Ins Co10.43
Quincy Mut Fire Ins Co20.45
Encompass Ins Co of MA10.51
Plymouth Rock Assurance Corporation100.64
Premier Ins Co Of MA50.65
Metropolitan Property and Casualty Ins. Company80.70
Vermont Mut Ins Co20.76
Amica Mutual Insurance Company70.84
United Serv Automobile Assn20.86
Commerce Insurance Company590.90
Citizens Ins Co Of Amer70.96
Massachusetts Homeland Ins Co20.98
Safety Insurance Company281.05
Progressive Direct Insurance Company91.14
NGM Ins Co31.24
Liberty Mutual Insurance Company361.27
Arbella Mutual Insurance Company291.32
Government Employees Insurance Company181.78
Allstate Ins Co61.95
USAA Cas Ins Co82.11
Geico Gen Ins Co62.93

Take Occidental and Peerless for instance. They’re looking really good with zero complaint indexes while GEICO has some room for improvement. The main thing you should keep in mind with complaint index is that if it’s a low number, you’ll have better odds of being happy with that company because more customers are.

Our Recommendation

We’re only here to give you information and help you along the way, but the choice is up to you when it comes to car insurance! If you do need some help deciding, we think you should go for the best overall company.

According to our findings, GEICO, Arbella, and MAPFRE are all in the top ten for cheapest insurance and popularity, but they’re not for customer service (based on complaint index). On the flipside, Liberty Mutual, Plymouth Rock, and MetLife all rank in the top three for popularity and customer service, but not for cheap pricing based on our data.

It all really boils down to what you want in a company—good service or cheap prices. Sometimes you can get lucky and find both, but usually you’ll have to weigh the pros and cons and see which one comes out on top for you. If you’re unsure, you don’t have to go it alone. Licensed gents are ready to help you with car insurance questions and quotes. Just give them a call to get started.

Where We Found The Facts

We spent hours searching through information to bring you this data. Based on customer profiles and companies, we drew up quotes to give you a better idea of what you can expect to pay with certain providers. The word to focused on here is “idea.” These premiums won’t necessarily be what you’ll get when you call for a quote. Yours could be lower or higher depending on how you drive, where you live, and a ton of other factors. We’re not lying to you, we’re just showing you examples of premiums people like you pay so you have something to go on.

Source Links:

  • ValuePenguin.com
  • http://www.mass.gov/ocabr/insurance/vehicle/auto-insurance/auto-insurance-premium-comparisons.html#1_6
  • http://www.mass.gov/ocabr/insurance/vehicle/auto-insurance/auto-insurance-complaints/private-passenger-automobile-insurers-complaints-2013.html