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: September 9, 2024 Why you can trust Insure.com Quality Verified 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. If you want to secure auto insurance coverage in Massachusetts, know the associated costs. On average, premiums for car insurance in Massachusetts cost $1,726 per year or $144 monthly. While the national average is $1,682, highlighting a difference of $169. Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, 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. Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget. Summary of average car insurance cost in MassachusettsAverage annual cost $1,726Average per month cost $144Average cost for state minimum coverage $511 / YearCheapest car insurance company State Farm($689 / Year)Average cost for young drivers $2,642 / YearAverage cost for Senior drivers $1,509 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in Massachusetts costs $1,726 per year. Car insurance in Massachusetts costs $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 month In Massachusetts, the average monthly rate for car insurance is $144. This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Massachusetts, it’s advisable to obtain quotes from multiple companies. Cheapest car insurance companies in Massachusetts The table below lists the other available car insurance companies which offer car insurance in Massachusetts, along with their average cost per month and average annual cost. 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 Massachusetts The extent of coverage you opt for directly influences the cost of car insurance in Massachusetts. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage. Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Massachusetts would be $655. As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Massachusetts amounts to $1,726. For individuals who 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 provides protection for property damage and bodily injury caused to another driver. In Massachusetts, the average annual cost for non-owner state minimum liability coverage stands at $445. For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $511 annually in Massachusetts. Coverage limitsAverage annual costState Minimum BI/PD$511Liability Only – 50/100/50 BI/PD$655Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,726Non-Owners$445 Auto 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 city Your 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$2,198 Average car insurance cost in Massachusetts by age of the driver Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Massachusetts is $2,642, whereas for seniors, it’s $1,509. The rate for young drivers surpasses that of senior drivers by $1,133. Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities. Average car insurance cost in Massachusetts for young drivers For female young drivers in Massachusetts, the average annual car insurance cost is $2,637, and $220 per month. Conversely, male young drivers face an average annual rate of $2,646, and $221 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driverAverage annual cost20$3,543 21$3,234 22$2,268 23$2,165 24$2,018 Average car insurance cost in Massachusetts for senior drivers For senior female drivers in Massachusetts, the annual cost of car insurance is $1,509, or $126 per month. Similarly, male senior drivers face an annual insurance rate of $1,509, or $126 per month. Age of driverAverage annual cost65$1,430 70$1,501 75$1,596 Read more about senior car insurance Minimum car insurance requirements in Massachusetts Every state establishes its own regulations concerning the minimum car insurance coverage drivers must possess to legally operate a vehicle. As per information given by the Massachusetts Department of Insurance, the following outlines the mandatory coverages and minimum coverage limits in Massachusetts: Bodily injury per person: $20,000 Bodily injury per accident: $40,000 Personal property coverage per person: $5,000 Cheapest cars to insure in Massachusetts The 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$1,588 Most expensive cars to insure in Massachusetts The 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$5,255 Methodology The Insure.com team worked with Quadrant Information Service to get car insurance data. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary. How 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. 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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