Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Massachusetts Average car insurance cost in Massachusetts In Massachusetts, a full-coverage car insurance policy will cost you an average of $2,430 annually or $203 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 2026 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 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed A full coverage car insurance policy costs around $2,430 a year or $203 per month for Massachusetts drivers. However, if you choose to get the state’s minimum liability coverage, you’ll pay $621 a year.Where you live plays a big role in what you pay for car insurance. Insurers factor in local accident rates, repair and medical costs, theft trends, and even weather risks when setting premiums. If you’re in a crowded city with high traffic or crime rates, you’ll typically pay more, whereas quieter rural areas usually come with lower premiums. But location isn’t everything – your age, driving history, credit score, ZIP code and even the type of car you drive also play a role in determining your final premium. Average annual cost $2,430 / Year Average per month cost $203 Average cost for state minimum coverage $809 / Year Cheapest car insurance company Plymouth Rock Assurance$1,719 / Year Average cost for young drivers $3,767 / Year Average cost for Senior drivers $2,103 / Year 012345 1 of 6 Average car insurance cost in Massachusetts If you live in Massachusetts can expect to pay an average of $203 per month for full coverage car insurance – that’s $2,430 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $52 monthly or $621 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MassachusettsPlymouth Rock Assurance provides the lowest full coverage rates, for an average cost of $1,719 per year or $143 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Massachusetts drivers at an average cost of $1,817 a year or $151 per month.Although these insurers offer some of the most affordable average rates in Massachusetts, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Massachusetts Graph Table Company nameAverage per month costAverage annual costPlymouth Rock Assurance$143$1,719GEICO$151$1,817Safety Insurance$182$2,189Progressive$207$2,490Amica$208$2,491Arbella Insurance$234$2,807Farmers$234$2,807Travelers$247$2,962Allstate$282$3,388USAA*$138$1,658*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Massachusetts car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Massachusetts Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Massachusetts Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State MinimumNA* Liability coverage$692/year Full Coverage$2,291/yearRecommended Get quotes Get quotes 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 - + Note: 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 2021 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. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in MassachusettsYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $52 a month, or about $621 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Massachusetts pay around $203 per month, or roughly $2,430 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$621Liability only$809Full coverage$2,430Non-owner state minimum liability$499Powered by: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 citySee rates in your cityBostonCambridgeLowellSpringfieldWorcester Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Massachusetts by cityWhere you live in Massachusetts can have a big impact on your car insurance rates.If you’re located in cities like Brockton, Lynn, or Springfield, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Cambridge and Lowell tend to pay much lower insurance premiums, between $2,577 and $2,714 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costCambridge$2,577Lowell$2,714Boston$2,937Quincy$2,937Worcester$3,036New Bedford$3,071Fall River$3,079Springfield$3,292Lynn$3,654Brockton$4,019Powered by:Average car insurance cost in Massachusetts by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Massachusetts for a full coverage policy based on your age and gender.Average car insurance cost in Massachusetts for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Massachusetts pay an average of $5,031 per year for car insurance, while females of the same age pay $5,031.But by the time you turn 25, insurance premiums drop to $2,800 a year on average for male drivers and $2,800 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,031$5,03121$4,803$4,80322$3,238$3,23823$3,085$3,08524$2,859$2,859Powered by:Average car insurance cost in Massachusetts for adult driversOn average, an adult male driver in Massachusetts pays $2,445 a year for full coverage or $204 per month. Women pay $2,445 a year or $204 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,800$2,80030$2,588$2,58835$2,476$2,47640$2,430$2,43045$2,383$2,38350$2,325$2,32555$2,265$2,26560$2,290$2,290Powered by:Average car insurance cost in Massachusetts for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,990 per year, while women pay $1,990. But by age 70, average premiums rise to $2,098 for men and $2,098 annually for women. At 75, rates increase even further – $2,221 for male drivers and $2,221 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,990$1,99070$2,098$2,09875$2,221$2,221Powered by:Minimum car insurance requirements in MassachusettsWhether you’re buying your first insurance policy or just moved to Massachusetts, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Massachusetts must carry at least the following minimum liability coverage:Bodily injury per person: $20,000Bodily injury per accident: $40,000Property damage liability: $5,000Cheapest cars to insure in MassachusettsInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Honda HR-V has the lowest premium, at an average of $1,622 a year, closely followed by Volkswagen Tiguan, with an average annual car insurance cost of $1,678.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumHonda HR-V$1,622Volkswagen Tiguan$1,678Mazda CX-30$1,703Subaru Forester$1,704Honda CR-V$1,709Chrysler Voyager$1,716Subaru Outback$1,728Subaru Impreza$1,732Chevrolet Trax$1,740Chevrolet TrailBlazer$1,745Powered by:Most expensive cars to insure in MassachusettsMaserati Quattroporte is one of the most expensive vehicles to insure in Massachusetts, with an average annual cost of $6,721.Below is a list of the costliest vehicles to insure in Massachusetts and their average premiums.Make ModelAverage annual premiumMaserati Quattroporte$6,721Maserati Ghibli$5,887Tesla Model S$5,874Porsche Taycan Cross Turismo$5,810BMW M8 Gran Coupe$5,740Nissan GT-R$5,691Porsche Taycan$5,672Maserati Levante$5,548Audi RS7$5,500BMW M8$5,334Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MassachusettsCheapest 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 ageMinimum car insurance requirements in MassachusettsCheapest cars to insure in MassachusettsMost expensive cars to insure in MassachusettsMethodology ZIP Code Please enter valid ZIP See rates (844) 645-3330