Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Jun 21, 2022

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Key takeaways...

  • Previously, Massachusetts ranked fourth as the most expensive for state auto insurance
  • Massachusetts is classified as a no-fault state
  • Preferred Mutual offer Massachusetts residents personal an accident forgiveness program

The cost of auto insurance for Massachusetts drivers has improved in recent years.

According to a 2010 auto insurance industry report, insurance premiums in Massachusetts are close to 30 percent less than the national average.

This is a significant change from a few years ago. Previously, Massachusetts ranked fourth as the most expensive for state auto insurance.

Even with the decrease in annual premium costs, Massachusetts drivers want to get the best, affordable car insurance policy.

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Obtaining Information about Licensed Insurance Companies

The Office of Consumer Affairs and Business Regulation is a valuable resource for drivers in Massachusetts.

This state agency is a consumer information repository regarding licensed businesses within the state. You can verify whether an insurance company is licensed to sell and write auto insurance policies.

Knowing which companies are licensed in Massachusetts can help you when comparing auto insurance quotes on comparison websites and other resources.

You can also determine the auto insurance requirements in Massachusetts and make an informed decision based on what each company offers.

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Auto Insurance Policy Distinctions in Massachusetts

The no-fault policy requirement is one of the reasons Massachusetts residents pay a lower auto insurance premium.

With a no-fault insurance system, limits are set on how much one driver can sue another for damages after an auto accident.

Insurance companies pay the cost of damages up to the policy limits, regardless of who caused the accident.

In most cases, this type of policy can protect drivers from personal losses.

The limits of the policy must meet Massachusetts’s minimum requirements.

The minimum state requirements are:

  • $20,000 per person and $40,000 per accident for bodily injury to others
  • Up to $8,000 for PIP (personal injury protection) for you, other passengers, pedestrians or a person you authorize to drive your car
  • Uninsured motorist coverage of $20,000 per person, $40,000 per accident when an uninsured motorist causes bodily injury in an accident
  • $5,000 minimum policy limit for property damage

During your research of Massachusetts car insurance companies, look at the various types of coverage based on the value of your assets.

You might want to purchase more than the minimum limits if the total of your assets is higher than the minimum.

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Massachusetts Merit Rating System

Another system in Massachusetts that can affect your insurance policy and premium is the merit rating plan. Insurance companies are not required to apply surcharges related to at-fault accidents and traffic violations on your record.

Insurance companies can decide whether to impose surcharges.

However, it cannot be for accidents or traffic violations older than six years from the effective date of the policy.

Additionally, the insurance merit plans may adjust your auto premium based on credits and surcharges under the state’s safe driver insurance plan.

Ten Auto Insurance Companies in Massachusetts

There are a number of local and national auto insurance companies licensed to do business in Massachusetts.

Below is a highlight of 10 insurance companies for you to review and consider for your next policy.

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1. Commerce Insurance Company

As one of the leading insurance companies for private passengers, Commerce insurers nearly one in four registered vehicles in the state.

Independent insurance agents have offices throughout the state of Massachusetts and can help you in determining your policy needs.

Like most insurance companies, Commerce offers customers account discounts such as multi-policy.

You could save up to 35 percent when you carry a homeowners and auto policy with the company.

2. Encompass Insurance of Massachusetts

With more than 25 years of industry experience, Encompass serves more than 1.3 million customers in Massachusetts and across the country.

Encompass has a Universal Security Policy (USP) that has benefits in addition to standard policy features:

  • Rental car liability – covers loss claim from the rental company
  • Coverage for installed electronic devices under the Deluxe or Elite USP
  • Auto trip interruption coverage – limited coverage for food, shelter and airline tickets

3. Harleysville Insurance

Harleysville Insurance merged with Nationwide Mutual September 2011.

The company was founded in 1917 and still provides auto insurance policies for Massachusetts residents.

Insurance policies are available for state minimum requirements, special needs and include a wide range of discounts.

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4. Premier Insurance Company of Massachusetts (Travelers Insurance)

Know called Travelers of Massachusetts, you can research this company for a host of policy options to meet your needs.

Travelers Insurance boasts in having excellent claim service, competitive prices, and superior coverage.

For example, you could receive a 5 percent discount for paying your premium in full. This applies if payment is made within five days of the effective date of the policy.

5. Arbella Mutual

Arbella Mutual offers low-cost auto insurance policies to Massachusetts residents. Over 500 independent agents represent the company throughout the state.

If you are involved in an accident, you can take advantage of Arbella’s 24 hours, 7 days a week claim reporting system.

6. Liberty Mutual

Liberty Mutual has exclusive savings plans to companies, associations and college alumni groups throughout the state.

You could also benefit from the Better Car Replacement program.

Liberty Mutual will give you enough money to purchase a vehicle one year older than your car if it is totaled in an accident.

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7. Plymouth Rock Assurance Corporation

Plymouth Rock also has local independent agents to help you make auto insurance policy decisions.

In addition to writing an insurance policy for the state minimum requirements, agents will customize your policy and provide benefits through its rewards program.

8. Vermont Mutual Insurance Group

Vermont Mutual offers affordable auto insurance policies in Massachusetts. In addition, the company can insure your auto and home, which can lead to more discounts and savings.

9. Preferred Mutual Insurance Company

Preferred Mutual offers personal auto insurance policies with tremendous discounts.

In addition to the standard policy options, you may also receive other services at no additional cost.

Some of these include:

  • New car replacement when you suffer a loss within the first year of purchasing a new vehicle. You can receive the replacement cost instead of the actual cash value traditionally offered by insurance companies. Exceptions include vandalism, theft or fire.
  • Accident forgiveness after maintaining a policy with the company for more than three years. Even if you are at fault, your premium will not increase.
  • Free identity theft resolution services – support for resolving identity theft issues and recovery of pertinent documents after a natural disaster or fire.

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10. USAA

USAA – United Services Automobile Association – is for current and retired military members and their families. If you qualify, you could save an additional $30 by receiving an online quote.

Most members receive an average $450 annual savings with USAA. Accident forgiveness, safe driver discounts, and multi-policy discounts also apply.

As a resident of Massachusetts, you can make the most of shopping for Massachusetts car insurance rates with numerous companies to choose from.

Take advantage of our online car insurance search tool! Enter your zip code below and start comparing affordable quotes for FREE!


  1. https://www.mass.gov/ocabr/
  2. http://teendriving.aaa.com/MA/supervised-driving/licensing-and-state-laws/
  3. https://www.massrmv.com/MeritRatingBoard/SafeDriverInsurancePlanRegulation.aspx
  4. https://www.mapfreinsurance.com/en/
  5. https://www.encompassinsurance.com/
  6. https://www.nationwide.com/make-a-harleysville-payment.jsp
  7. https://www.travelers.com/
  8. https://www.arbella.com/
  9. https://www.foxbusiness.com/features/2011/04/25/better-car-replacement-insurance-whats-catch.html
  10. https://www.bbb.org/boston/business-reviews/insurance-companies/plymouth-rock-assurance-corporation-in-boston-ma-15916
  11. http://vermontmutual.com/
  12. https://www.preferredmutual.com/
  13. https://www.usaa.com/inet/ent_logon/Logon?redirectjsp=true