Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Massachusetts Average car insurance cost in Massachusetts The average premium for car insurance in Massachusetts is $1,726 per year or $144 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed If you’re looking for car insurance rates in Massachusetts, the average annual premium is $1,726, per year or $144 monthly. This contrasts with the national average of $1,895, highlighting a variation of $169. Various elements influence car insurance rates, including age, gender, driving record, credit score, and location.This guide talks about the average cost of full coverage in the state, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Massachusetts, and breaks down car insurance rates by age group. To save on your auto insurance expenses, it’s advisable to shop around and compare quotes. Keep reading to ensure that your insurance policy aligns with your needs without exceeding your budget. Average annual cost $1,726 Average per month cost $144 Average cost for state minimum coverage $511 / Year Cheapest car insurance company State Farm($689 / Year) Average cost for young drivers $2,642 / Year Average cost for Senior drivers $1,509 / Year Key TakeawaysThe average car insurance cost in Massachusetts is $1,726 per year, based on Insure.com’s analysis.In Massachusetts, the average premium for car insurance is $144 per month.State Farm has the cheapest car insurance rates in Massachusetts, at an average annual rate of $689 a year.Average car insurance cost in Massachusetts per monthIn Massachusetts, the monthly rate for car insurance is $144.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Massachusetts, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in MassachusettsAccording to Insure.com’s rate analysis, the most affordable provider of car insurance premiums in Massachusetts is State Farm, with an average annual cost of $689 and a monthly average of $57. Following closely is Geico, providing coverage at an average monthly rate of $106.The following table lists additional car insurance companies operating in Massachusetts and their respective average monthly and annual costs. Affordable car insurance providers in Massachusetts Graph Table Company nameAverage per month costAverage annual costState Farm$57$689Geico$106$1,269Plymouth Rock Assurance$117$1,409Safety Insurance$126$1,517Arbella Insurance$142$1,708Farmers$164$1,966Progressive$168$2,016Amica$171$2,052Travelers$190$2,274Allstate$225$2,694USAA$120$1,442 Read our guide to cheap car insurance companies Massachusetts car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Massachusetts Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $1,894/Year OR $158/month Massachusetts Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MassachusettsCar insurance rates in Massachusetts are directly proportional to the amount of coverage you buy. Your premium is determined by factors such as your liability limits and your choice of comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in an accident. However, relying solely on liability coverage would not cover your injuries or property damage if you are considered at fault in a collision. Liability-only insurance for a coverage limit of 50/100/50 costs $655 per year in Massachusetts.As mentioned earlier, increasing the coverage on your policy leads to a rise in your premium, as the insurer will need to provide compensation in case of accidents or other damages. The average annual cost of full coverage car insurance in Massachusetts amounts to $1,726 per year.If you don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it protects property damage and bodily injury caused by another driver. In Massachusetts, the average annual cost for non-owner state minimum liability coverage is $445.For individuals seeking to reduce their car insurance expenses, selecting only the state minimum liability coverage is an option to ensure legal driving privileges within the state. This coverage, which includes only the minimum liability requirements, carries an annual cost of $511 in Massachusetts.1State minimum:$5112Liability only:$6553Full coverage:$1,7264Non-owners:$445Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Massachusetts by cityBostonCambridgeLowellSpringfieldWorcesterAverage car insurance cost in Massachusetts by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Massachusetts:CityAverage annual costBoston$2,103Brockton$2,730Cambridge$1,845Fall River$2,201Lowell$1,971Lynn$2,465New Bedford$2,193Quincy$2,088Springfield$2,400Worcester$2,198Average car insurance cost in Massachusetts by age of the driverAge is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Massachusetts, the average annual rate for young drivers is $2,642, whereas for seniors, it’s $1,509. Notably, the rate for young drivers surpasses that of senior drivers by $1,133.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Massachusetts for young drivers Age of driver Average annual cost 20 $3,543 21 $3,234 22 $2,268 23 $2,165 24 $2,018 Average car insurance cost in Massachusetts for senior drivers Age of driver Average annual cost 65 $1,430 70 $1,501 75 $1,596 Read more about senior car insuranceMinimum car insurance requirements in MassachusettsEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Massachusetts Department of Insurance, the required coverages and minimum coverage limits in Massachusetts are as follows:Bodily injury per person: $20,000Bodily injury per accident: $40,000Personal property coverage per person: $5,000Cheapest cars to insure in MassachusettsThe Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,476. The Honda HR-V is followed closely at $1,494 per year. The difference in the cost of insuring these two models is $18 annually.MakeModelAverage annual premiumMazdaCX-30$1,476HondaHR-V$1,494HyundaiVenue$1,553ChevroletTrailBlazer$1,556SubaruCrosstrek$1,568VolkswagenTiguan$1,571BuickEncore GX$1,574KiaSeltos$1,577FordEscape Plug-in Hybrid$1,584SubaruOutback$1,588Most expensive cars to insure in MassachusettsThe Maserati Quattroporte Trofeo, at an average annual premium of $6,480, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $5,004 annually.MakeModelAverage annual premiumMaseratiQuattroporte Trofeo$6,480MaseratiQuattroporte$6,331MaseratiLevante Trofeo$6,049PorscheTaycan Turbo$6,023TeslaModel S Plaid$5,841PorscheTaycan$5,603PorscheTaycan GTS$5,486MaseratiGhibli Trofeo$5,352BMWM8$5,260TeslaModel 3 Performance$5,255MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Massachusetts Non-owner car insurance in Massachusetts Average renters insurance cost in Massachusetts Average homeowners insurance cost in Massachusetts Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Massachusetts per monthCheapest car insurance companies in MassachusettsAverage cost of car insurance by coverage levels in MassachusettsAverage car insurance cost in Massachusetts by cityAverage car insurance cost in Massachusetts by age of the driverMinimum car insurance requirements in MassachusettsCheapest cars to insure in MassachusettsMost expensive cars to insure in MassachusettsMethodology ZIP Code Please enter valid ZIP See rates