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Best Massachusetts Auto Insurance Companies

Here's what you need to know...
In Massachusetts, regulations require motorists to carry four types of automobile insurance coverage:

  • Bodily injury to others – $20,000 per person, $40,000 per accident
  • Personal injury protection – $8,000 per person, per accident
  • Bodily injury caused by an uninsured auto – $20,000 per person and $40,000 per accident
  • Damage to the property of another person – $5,000 per accident
For most people, selecting the right automobile insurance presents a significant financial decision.

Purchasing automobile insurance coverage through a solid and reputable company ensures peace of mind. If the insured becomes involved in a car accident, they know that have the necessary financial protection.

In April 2008, Massachusetts implemented managed competition among automobile insurance companies, which has saved motorists over $270 million, according to the Massachusetts Office of Consumer Affairs & Business Regulation.

More than 30 automobile insurance companies have  the license to write private automobile insurance in the Commonwealth of Massachusetts.

Find the best car insurance for your needs with our free search tool! Simply enter your zip code into the comparison tool above!

Coverage Offered

adobestock_22569022-1600x1600When a policyholder needs to file a claim, or have a claim filed against them, they like the satisfaction of having proper coverage with a reliable automobile insurance company.

The best Massachusetts car insurance companies provide a full range of automobile insurance and certain attributes that distinguishes them from competitors

Massachusetts Car Insurance Requirements

Consumers need to invest some time to understand what coverage the state’s car insurance laws require, the types of car insurance coverage available and proper coverage limits for their personal circumstances.

In Massachusetts, regulations require motorists to carry four types of automobile insurance coverage:

      1. Bodily injury to others – $20,000 per person, $40,000 per accident
      2. Personal injury protection – $8,000 per person, per accident
      3. Bodily injury caused by an uninsured auto – $20,000 per person and $40,000 per accident
      4. Damage to the property of another person – $5,000 per accident

Besides the categories of coverage outlined above, some other common auto insurance coverage include:

      • Medical
      • Comprehensive
      • Collision
      • Uninsured/Underinsured motorists

When purchasing a policy, make sure it contains the names of all drivers in the household covered under the policy. Failure to list all drivers could result in a denial of the claim.

Massachusetts Car Insurance Companies

AdobeStock_83053894-1600x1600Below are some of the automobile insurance companies consistently rate as the best in Massachusetts:

Commerce

Commerce is the largest insurer for private automobiles in the state. This company covers more than 25 percent of all the registered automobiles registered in Massachusetts. Over 600 independent agents sell the company’s car insurance

Over 600 independent agents sell the company’s car insurance coverage throughout the state. Customers who ensure both their home and automobile with Commerce receive a 15 percent discount. The company also provides

The company also provides discounts for AAA memberships, safe drivers, educators and shop smart discounts.

GEICO

Government Employees Insurance Company or GEICO has been in the insurance business since 1936. It started as it names indicates, the firm’s original business model targets government workers.

Although the insurer has a broad range of insurance products, their bread and butter offering are automobile insurance. Motorists can also purchase emergency roadside service, rental car reimbursement or mechanical breakdown coverage.

Like many of its competitors, GEICO makes it convenient for consumers to obtain automobile insurance quote online or by phone. Much of the company billing and claim services, such as filing and claim status can be handled over the Internet.

Progressive

Red Office Folder with Inscription Car Insurance.Progressive has been a significant force in the automobile insurance category. This company has a strong customer service philosophy and responses aggressively to emergencies. Its policy has flexibility and the firms have a commitment to policyholders.

The company has a line of “industry firsts” in it history: “name your price options based on driving record; coverage for pet’s injury coverage or first with a company website.

Its concierge level of claims service eliminates the time-consuming scenario consumer encounter when filing claims by handling the entire claims/repair process for the customer.

The “Total Loss Concierge,” in place since 2006, assists customers in finding replacement vehicles, and auto loan when applicable, for total loss occurrences.

Arbella

Arbella is a regional automobile insurance company that has operated in the New England region of the United States since 1988. The firm has over 500 independent agents selling it products. Consumers can find a range of discounts, including new customer, safe driver, multi-policy, anti- theft and safety devices.

Consumers can find a range of discounts, including new customer, safe driver, multi-policy, anti- theft and safety devices.

The company has built in claims department into one of the best in the industry. Some attributes of the claim department include no-wait drive-in claim centers with an average wait time of 20 minutes.

Arbella has a network of preferred body shops that will perform the work at the appraised amount and provide a guarantee. It rates as the number four auto insurance carrier with 8.9 percent of the market. Arbella has an “A-“

It rates as the number four auto insurance carrier with 8.9 percent of the market. Arbella has an “A-“rating from A.M. Best, as of October 2010.

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Liberty Mutual Insurance Company

This auto insurer offers one-year policy agreements, which ensures no premium hike for a year. Liberty Mutual  offers discount for safe driving and multiple polices insured by the company.

It is the third largest property and casualty insurance company in the United States. It has about a two percent share of the auto insurance market sold by company and independent agents.

Mutual Liberty provides a range of services for its policyholders from cracked windshields to major repairs resulting from accidents. The company assigns each claim to an adjuster, which makes it easier to track and manage claim activities, but not as smooth.

Allstate

Allstate has one of the most recognizable automobile insurance brands in the United States. The company excels in terms of the policy flexibility it offers policyholders. Customers receive deductible discounts for having a year of accident-free driving.

The company also has a car replacement program that replaces the insured automobile with a new vehicle for total loss incurred in the first three model years .

The company has a good reputation for responding to certain service requests like towing, but it ranks behind the other companies when it comes to vehicle estimations, repairs and resolving claims.

However, it still rates above many other companies. The company has a “Bumper-to-Bumper Basics” tool, which takes drivers, seeking auto insurance quotes, through a process to help determine the appropriate level of coverage.

Massachusetts Car Insurance Comparison

adobestock_38113283-1600x1600Consumers can visit the website of the Massachusetts Consumer Affairs Department to obtain information on these and other automobile insurance companies licensed to operate in Massachusetts.

Always compare cheap car insurance quotes from multiple companies to determine the best deal.

Make sure you evaluate the same information. For example, bodily injury, $20,000 per person, $40,000 per occurrence.

When purchasing a policy, make sure it contains the names of all drivers in the household covered under the policy. Failure to list all drivers could result in a denial of the claim.

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