Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Founder, CFP®

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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All Agents in Massachusetts

Harrington Insurance Agency
489 Washington St Ste 205, Auburn, MA 01501
(774) 221-6437
Hernan B Conant Insurance Agency
206 Southbridge St, Auburn, MA 01501
(508) 832-6381
Northeast Insurance Agency
567 Southbridge St, Auburn, MA 01501
(508) 832-0404
Horace Mann Insurance Brokerage of MA
428 Pakachoag St, Auburn, MA 01501
(508) 407-8630
Winchester Insurance Agency
101 Auburn St, Auburn, MA 01501
(508) 832-9896
McCrillis & Keep Insurance Agency
44 Auburn St, Auburn, MA 01501
(508) 832-2871
AAA Insurance
711 Southbridge St, Auburn, MA 01501
(508) 832-0200
Gabrielian Insurance
744 Southbridge St, Auburn, MA 01501
(508) 832-0600
WebFirst Insurance
271 Greenwood St, Worcester, MA 01607
(800) 957-1455
Mid State Insurance Agency
93 Stafford St, Worcester, MA 01603
(508) 791-5566
Pat Castle
1008 13th St, Auburn, NE 68305
(402) 274-5121
Auburn Agency
1202 Central Ave, Auburn, NE 68305
(402) 274-4902
Thomas C Smiley
1219 J St, Auburn, NE 68305
(402) 274-5368
Engles Agency
913 Central Ave, Auburn, NE 68305
(402) 274-5100
German Mutual Insurance of NE
914 Alden Dr, Auburn, NE 68305
(402) 274-3106
Casey Agency
125 Main St, Johnson, NE 68378
(800) 869-0438
Jerry Lefever
109 W Clay St, Rock Port, NE 64482
(660) 744-6211
Missouri Farm Bureau Insurance
518 S Main St, Rock Port, NE 64482
(660) 744-2606
Three B's Insurance & Real Estate
319 S Main St, Rock Port, NE 64482
(660) 744-6249
Clodfelter Insurance Agency
205 S Main St, Rock Port, NE 64482
(660) 744-5385
Lee R Belanger
1181 Hanover St # 1, Manchester, NH 03104
(603) 622-3030
Fortified Insurance Agency
911 Candia Rd, Manchester, NH 03109
(603) 644-3700
Santo Insurance & Financial Services
1065 Hanover St, Manchester, NH 03104
(603) 627-4788
Roger J Belanger Agency
904 Hanover St Ste 2, Manchester, NH 03104
(603) 622-2969
John Annick
23 S Mammoth Rd, Manchester, NH 03109
(603) 622-8600
Rene Leclerc
1100 Hooksett Rd Ste 107, Hooksett, NH 03106
(603) 668-0009
Chase & Durand Associates
119 Walnut St, Manchester, NH 03104
(603) 669-4567
Wieczorek Insurance
166 Concord St, Manchester, NH 03104
(603) 668-3311
New England Risk Management
530 Chestnut St, Manchester, NH 03101
(603) 625-5400
AAA Insurance
560 S Willow St, Manchester, NH 03103
(603) 669-0101
Midwest Classic Insurance
110 S 5th St, Auburn, IL 62615
(217) 438-6235
Chris Berger
480 E Jackson St, Auburn, IL 62615
(217) 438-6769
Jim Bandy
300 S Clover Ln, Auburn, IL 62615
(217) 438-6814
Musso Insurance Agency
161 N Springfield St, Virden, IL 62690
(217) 965-4663
Formea Insurance Group
512 S Church St, Chatham, IL 62629
(217) 483-1536
Godfrey Insurance Agency
101 W Mulberry St Ste C, Chatham, IL 62629
(217) 483-9590
Waterman-Neely Insurance Professionals
215 N Main St, Chatham, IL 62629
(217) 483-2441
Adam Lopez
120 W Walnut St, Chatham, IL 62629
(217) 483-3451
Country Financial Agency
120 W Walnut St, Chatham, IL 62629
(217) 483-4355
Smith-Brown Insurance Agency
115 E Jackson St, Virden, IL 62690
(217) 965-5416
Peoples Financial Services
212 W 7th St, Auburn, IN 46706
(260) 925-8309
Joyce Hefty
367 W 7th St, Auburn, IN 46706
(260) 925-5253
Insurance & Financial Services
302 N Jackson St, Auburn, IN 46706
(260) 925-1434
Brown & Brown Agency
309 S Jackson St, Auburn, IN 46706
(260) 925-4766
Donavan Insurance Services
102 E 6th St, Auburn, IN 46706
(260) 925-4314
W J Schaab & Company
107 E 9th St, Auburn, IN 46706
(260) 925-4212
Auburn Insurance Center
106 N Cedar St, Auburn, IN 46706
(260) 925-2510
Dekalb Farmers Mutual Insurance Company
525 Michigan Ave, Auburn, IN 46706
(260) 925-2668
William Simmons
704 W 7th St, Auburn, IN 46706
(260) 927-0800
Meert Zoller Financial Group
1120 W 15th St, Auburn, IN 46706
(260) 572-0055
Vanessa Hake
500 S Grandstaff Dr Ste E, Auburn, IN 46706
(260) 925-8400
Indiana Farm Bureau Insurance
506 S Grandstaff Dr, Auburn, IN 46706
(260) 925-4214
Gerald Outman
1041 W 7th St, Auburn, IN 46706
(260) 925-0100
Morgan Hefty
1153 W 15th St, Auburn, IN 46706
(260) 925-2924
Integrity Insurance Services
1710 N Main St Ste B-4, Auburn, IN 46706
(260) 927-0631
Kelli Southern
265 N Duesenberg Rd, Auburn, IN 46706
(260) 927-8890
Robert C Dempsey Agency
100 Genesee St Ste 2, Auburn, NY 13021
(315) 702-8250
Freeway Insurance Services of New York
11 Dill St, Auburn, NY 13021
(315) 253-0055
Adams & Son
44 South St, Auburn, NY 13021
(315) 253-8461
Nolan's Insurance Agency, Inc.
33 William St Ste 6a, Auburn, NY 13021
(315) 255-0037
Bommersbach & Logue Agency
2 Easterly Ave Ste 1, Auburn, NY 13021
(315) 252-5163
The Carmody Agency
32 E Genesee St, Auburn, NY 13021
(315) 252-7208
Tompkins Insurance Agencies
86 North St, Auburn, NY 13021
(315) 253-4310 ext 42020
DPW Agency
72 South St Ste B, Auburn, NY 13021
(315) 253-9756
Garbe Associates
201 Genesee St, Auburn, NY 13021
(315) 252-9141
Bergan & Young
34 Mary St, Auburn, NY 13021
(315) 253-6207
Scott McCredy
89 Grant Ave, Auburn, NY 13021
(315) 252-3413
Tom Ferlenda
7257 Owasco Rd, Auburn, NY 13021
(315) 253-0000
Mary Andrews
171 Grant Ave Ste 4, Auburn, NY 13021
(315) 255-9000
Aversa Agency
265 W Genesee St, Auburn, NY 13021
(315) 255-2200
MetLife Auto & Home - Wunder Agency
2080 Crane Brook Dr Ste B, Auburn, NY 13021
(315) 252-0694
Moran Moran & Dauphin Insurance
354 Grant Avenue Rd, Auburn, NY 13021
(315) 253-9900
ANPAC Agency
7235 Mutton Hill Rd, Auburn, NY 13021
(315) 282-7416
RG Wright Agency Inc.
6369 Half Acre Rd, Auburn, NY 13021
(315) 252-7561
Generations Agency
621 N Seward Ave # 631, Auburn, NY 13021
(315) 253-3134

Nearby Local Cities

Pros & Cons of Each Insurance Company

Type car insurance company name in search bar to find the pros, cons, and ratings. Otherwise, each insurer is from highest to lowest rated.

CompanyProsConsRating out of 5 Stars
Amica InsuranceZero restrictions on which body shop you use for repairs.Few driver discounts, including pre-pay, low mileage, and military discounts.5
USAA InsuranceJ. D. Power has rated USAA with a "perfect" score. Financial stability is highest rating of superior. USAA is only available to members of the military and their immediate family.5
Allstate InsuranceAllstate offers a claims satisfaction guarantee. With Allstate's claims guarantee is typically a higher price in premiums. 4.5
American Family InsuranceAttractive features, discounts and benefits including the teen safe driver program. Coverage is only available in 19 states. To get an online quote you have to enter your car's VIN. 4.5
Auto-Owners InsuranceGood enhancement options from Auto-Owners Personal Automobile Plus Package. Service and claims handling is top notch. No national coverage. Auto-Owners offer coverage in 26 states.4.5
Country Financial InsuranceBeen in business for 85 years and has top financial strength. 24/7 customer service. Coverage is only available in 17 states.4.5
Erie InsuranceFor South, Midwest, or Mid-Atlantic regions Erie consistently get high marks. Limited to certain regions of the country. 4.5
GEICO InsuranceConsistently offers the lowest price. Known to raise rates during the time of the policy. 4.5
Nationwide InsuranceNationwide rewards accident-free years with its vanishing deductible program.Coverage isn’t available in Alaska, Hawaii, Louisiana, or Massachusetts.4.5
Travelers InsuranceTravelers offers rates well below the national average. Not all coverage options are available in all states. Some customer complaints reported with billing/collection and customer service issues.4.5
Electric InsuranceValuable features and benefits for new cars, such as original equipment coverage. Perks for General Electric employees. Numerous discounts offered to bring your premium low. Mixed reviews on communications, billing, and collection practices.4.3
Cincinnati InsuranceOffers Personal Auto Plus program to help drivers get low premiums. Strong financial ratings with lower than average industry complaints. Spotty complaints by consumers of claims process. Online presence is poor you normally have to call an agent. 4.2
Liberty Mutual InsuranceStrong customer service with attractive features such a new and better car replacement. New and Better car replacement are not offered in all states. And reports of poor claims handling for automobile repairs. 4
MetLife InsuranceMetLife includes several extras at no cost, such as expanded coverage when you rent a car and identity theft protection.Other than group discounts and standard bundling discounts, there aren’t a lot of opportunities for savings.4
Ameriprise FinancialVery attractive discounts and strong financial rating. Limited availability. Only 14 states you can get a policy.4
Tennessee Farmers InsuranceLots of discounts such as distant student, homeowners, incident forgiveness, and more are available to give you better rates. No rate hikes for small claims/fender benders. If you get into a small accident, you won’t have to worry about the stability of your premium.Not all policy options are available in every state. 4
Progressive Insurance1 out of 10 drivers have Progressive. Offers roadside assistance and has strong financial strength. Doesn't offer new or better car replacement.4
Texas Farm Bureau InsuranceOffers competitive rates for all age drivers particularly drivers over 35. Not offered in all states. Only available in Texas. Focuses more on life insurance rather than auto. Many customers say there may be substantial rate hikes year by year. 4
Farmers InsuranceWith Farmers you can insure about everything. Customer service is not 24/7 and reports of not-so-great claims handling. 4
Plymouth Rock InsuranceExcellent coverage with competitive premium rates. High satisfaction rate with customers. Considered by most reviews as the 1st or 2nd cheapest in the state of New Jersey. Only available in Connecticut, Massachusetts, New Hampshire, and New Jersey. It features several customer “perks” like the Get Home Safe® cab/ride share program and Door to Door Valet Claim Service. For unmarried drivers in the 4 states offered they are one of the cheapest. 4
Safeco Insurance24/7 customer support with a comprehensive line of products plus discounts. 24/7 claims handling. Customers have complained of claims being underpaid. 4
21st Century InsurancePart of Farmers. Has a partnership with Foremost Insurance to provide insurance on specialty vehicles like motorcycles and ATVs.If you have coverage outside of California you'll be directed to Farmers or Foremost.4
Hartford InsuranceMechanical breakdown coverage helps cover the cost of repairs that aren’t covered by your car’s warranty. Claims satisfaction rating is only 2 out of 5 stars. 4
EsuranceOffers low rates, first rate website, and good customer service. Customers claim Esurance will penalize for cancelling a policy. No local agents. 4
Southern Farm BureauAffordable rates in the markets they service with a bevy of discount options.
Faster than average claim payout times.
Policyholders seem very happy with Farm Bureau's personable customer service.
Can be tough to get in touch with the correct person at times when filing a claim.
There have been several reports of cancelled policies after an initial claim.
4
NJM InsuranceCompetitive premiums and offerings.
High satisfaction with claims processing and coverage. Most customers stay with them once covered.
Insurance only available to employees of select organizations.
Only in New Jersey and Pennsylvania.
4
Safety InsuranceVIP Claims Centers from Safety can be a great way to expedite the claims settlement process and minimize upheaval / interruption in drivers' lives. Rates are low for married and unmarried drivers.
Local expertise and concentration of personnel and service facilities in Massachusetts and New Hampshire.
Only available in Massachusetts and New Hampshire. Many customers say the claims process can be extremely slow with many followups after a claim submission. 4
Wawanesa InsuranceIf you have a clean driving record your premium should be below average with this insurer. Available only in California and Oregon. Drivers with infractions may have a substantially higher premium. 3.9
TitanGood, fairly priced options for non-standard auto insurance.
Coverage and company affiliated and backed by Nationwide parent company.
Only available in 26 states. The complaints are higher than average compared to similar insurers.3.8
Alfa MutualGood ratings on their financial strength, and a lower than average complaint index.Some customers complain of delays in and poor investigations during the claims resolution process. Coverage strongest in Alabama, Mississippi, and Georgia. Known in these states: Texas, Missouri, Indiana, Ohio, Virginia, Tennessee, Arkansas, and Kentucky3.5
Allied InsuranceRecent partnership with Nationwide increases their coverage area and availabilityMight not get the same level of coverage and customer service in all areas. Not knowing which company you’re dealing with might cause confusion during the claims process3.5
Farm Bureau MutualOffers lower than average rates. Has a suite of discounts and affinity programs. Only available in 19 states.3.5
Arbella InsuranceSolid financial strength and business ratings should make you more confident in choosing Arbella. Competitive rates inside their service area.Auto policies only available in two states, Massachusetts and Connecticut.3.5
Grange MutualBeen in business since 1935 with over 1 billion in revenues. Can offer rates lower than main-street companies.Coverage available on in 12 states, Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin.3.5
Mercury InsuranceMercury has a network of nearly 6,000 agents. Available in Arizona, California, Florida, Georgia, Illinois, Michigan, New Jersey, Nevada, New York, Oklahoma, Pennsylvania, Texas, and Virginia.Some policyholders have expressed concerns in reviews about delays and lack of timely response and follow-up from claims representatives.3.5
Auto ClubExcellent roadside assistance service.
AM Best Rating of A+ Superior. Multiple membership discounts.
Drivers complain new vehicles will have excessive fees. 3.5
Kentucky Farm BureauOffers lower rates than most competitors. Nice discount options and coverage terms. Not available in all states. Only in Kentucky. 3.5
Encompass InsuranceStrong financial ratings. Are able to get unique and tailor policy options at a reasonable price.Poor reviews by customers of claims process. 3.4
Elephant InsuranceGood repair assistance program to help drivers with damage vehicles. Premiums are lower than average. Only available in Virginia, Texas, Illinois, and Maryland. Consumer complaints are higher than average.3.2
Acceptance InsuranceGreat for non-standard or high risk drivers. Drivers with good driving history will pay above average. Claims process can be time consuming. 3.1
State Farm InsuranceSuperior claims handling. State Farm has been the best at claims for years. Doesn’t offer stacked uninsured motorist or new car replacement coverages.3
Horace MannEstablished for teachers and those part of union, etc. Offers competitive rates. Claims process can be slow and payout from accidents are lower than expected. 3
Home StateHome State insurance was originally chartered in 1948. Less known company with little advertising. Strongest in Texas and currently owned by Berkshire Hathaway Group. Specializes in nonstandard policies for drivers.Limited to area where you can get coverage from them. Price of policy is typically higher than the average policy holder. This is to be expected with nonstandard policy coverage. 3
Hanover InsuranceEasy to customize your policy. Nice string of discounts.Prices can be higher than average.3
Mapfre InsuranceCan get low rates through Mapfre in Northeastern states such as Massachusetts.MAPFRE’s geographical territory is limited to 18 U.S. states. Not all policy options are available in every state.3
Kemper InsuranceKemper has excellent financial strength, flexible payment options and attractive discounts for policyholders.Their rates can be higher than average. 3
The General InsuranceHisk risk drivers can get a policy with The General. Good for a person with a history of auto accidents. Has a reputation of not paying out claims in a timely fashion. Not good do for a driver with a clean record.3
Sentry InsuranceSentry has the highest financial strength rating available from A.M. Best. Attractive discounts to lower your premium by 20% or more. There are a number of customer complaints in the areas of products and services.3
State Auto InsuranceState Auto provides a variety of insurance options including car, home, farm, and business. Premium prices are usually average with many customers getting a lower rate from their previous carrier. Been in business since 1921 and policies are offered in 27 states. Claims handling process has poor reviews throughout online review portals. Many customers claim of substantially high rate hike after small claims. 3
Chubb InsuranceCan pay with Agreed Settlements upfront. Choice of repair shops and no rental car daily limit. Tailors to individuals with higher than average net worth. 3
Good2go Car InsuranceOffers extremely low rates some as little at $30 a month. Strong financial ratings.No brand recognition. Most believe to be a new company though Good2go has 25 years experience. 2.5
Infinity InsuranceImmigrant friendly. With an AB 60 driver’s license resource center, immigrants can learn how to get a license in one place. If you’re new to the country, this company is very supportive of your driving.Infinity does make the JP Power list. Have to assume the financials aren't that great. 2.5
Loya InsuranceAccess to full-service and proprietary offices where agents can handle quotes and claims.Mixed reviews on claims resolution and response times. Only available in the states of CA, CO, IL, NV, NM, and TX2.5
National GeneralSmart Services add features and coverages which most other companies don’t offer. Discounts for using or being affiliated with General Motors.Mixed reviews of claims handling and auto insurance coverage types. 2.5
Safeway InsuranceIt is difficult to find anything good about this company. Presentation of inconsistent information from website and agents. 2
Access Auto InsuranceBasic online website with some options so you don't have to talk to an agent. Better Business Bureau ratings are poor. Many times it is difficult to get a claims adjuster on the phone. 1.9
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Minimum Coverage by State, Uninsured Motorist Protection, & Personal Injury Protection

Type your state in the search to find details.

Average Yearly Premium SavingsStateMinimum Auto Insurance Coverage Uninsured Motorist Protection Required?Personal Injury Protection (PIP) Required?
$613/yrAlabama Car Insurance25/50/25
$765/yrAlaska Car Insurance50/100/25
$875/yrArizona Car Insurance15/30/10
$643/yrArkansas Car Insurance25/50/25
$912/yrCalifornia Car Insurance15/30/5
$1,008/yrColorado Car Insurance25/50/15
$876/yrConnecticut Car Insurance20/40/10
$1,043/yrDelaware Car Insurance15/30/10
$342/yrFlorida Car Insurance10/20/10
$1,754/yrGeorgia Car Insurance25/50/25
$438/yrHawai Car Insurance20/40/10
$775/yrIdaho Car Insurance25/50/15
$954/yrIllinois Car Insurance20/40/15
$1,211/yrIndiana Car Insurance25/50/10
$658/yrIowa Car Insurance20/40/15
$699/yrKansas Car Insurance25/50/10
$1,211/yrKentucky Car Insurance25/50/10
$533/yrLouisiana Car Insurance15/30/25
$732/yrMaine Car Insurance50/100/25
$619/yrMaryland Car Insurance30/60/15
$323/yrMassachusetts Car Insurance20/40/5
$487/yrMichigan Car Insurance20/40/10
$769/yrMinnesota Car Insurance30/60/10
$1,006/yrMississippi Car Insurance25/50/25
$790/yrMissouri Car Insurance25/50/10
$643/yrMontana Car Insurance25/50/10
$628/yrNebraska Car Insurance25/50/25
$876/yrNevadaCar Insurance25/50/20
$899/yrNew Hampshire Car Insurance25/50/25
$893/yrNew Jersey Car Insurance15/30/5
$937/yrNew Mexico Car Insurance25/50/10
$1,041/yrNew York Car Insurance25/50/10
$473/yrNorth Carolina Car Insurance30/60/25
$644/yrNorth Dakota Car Insurance25/50/25
$612/yrOhio Car Insurance25/50/25
$687/yrOklahoma Car Insurance25/50/25
$653/yrOregon Car Insurance25/50/20
$1,687/yrPennsylvania Car Insurance15/30/5
$743/yrRhode Island Car Insurance25/50/25
$834/yrSouth Carolina25/50/25
$531/yrSouth Dakota25/50/25
$589/yrTennessee25/50/15
$1,634/yrTexas30/60/25
$897/yrUtah25/65/15
$921/yrVermont25/50/10
$465/yrVirginia25/50/20
$855/yrWashington25/50/10
$1,710/yrWest Virginia20/40/10
$1,027/yrWisconsin25/50/10
$318/yrWyoming25/50/20
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Top Tips to Save on Your Auto Insurance
You want to be sure to compare cheap car insurance quotes and with local insurance agents to maximize your savings.
Top rated insurance companies like USAA, Progressive, Hartford, and Liberty Mutual are best. Over 84% are satisfied with claims handling with them.
Maintain good credit to keep your car insurance as low as possible.
Be sure to check for additional add-ons such as uninsured motorist coverage (UM), personal injury protection (PIP), medical payments coverage (MedPay), and roadside assistance.
Don't assume an older model vehicle cost less to insure. Insurance providers go by the safety rating and cost to replace it.
An easy way to lower comprehensive and collision coverage is to raise your deductible.
Take advantage of all auto insurance discounts. Which can be 20% or more in savings.
Do some research and take a few minutes to learn the minimum insurance and financial responsibility laws which apply in your state.
A good driving history is the best way to keep your car insurance rates as low as possible.
If you pay for auto insurance upfront in full you can save an additional 10% to 20%.
Don't let your car insurance lapse. If so, you will see a spike in rates.
Before buying a car shop for insurance quotes to see how much your premium may be.
Be sure to check your car insurance policy for mileage. If you drive less you can save hundreds more per year.
If you have an older model vehicle consider dropping optional car insurance such as comprehensive and collision insurance.
Make sure to do an annual insurance rate check. Plus auto insurance you may or may not need.
Get Your Rates Quote Now
InsurerAnnual costMonthly cost
Progressive$2,490$207
State Farm$2,537$211
GEICO$3,031$252
Maryland average$3,480$290
Get Your Rates Quote Now

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