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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 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 Massachusetts

Plymouth Rock Assurance has the cheapest rates, at an average annual cost of $1,719 or $143 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

GEICO also stands out for its affordable premiums, with an average cost of $151 per month or $1,817 annually.

While these insurance companies have some of the lowest average rates in Massachusetts, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance.

Affordable car insurance providers in Massachusetts

Graph
Table
Company nameAverage per month costAverage annual cost
Plymouth Rock Assurance$143$1,719
GEICO$151$1,817
Safety Insurance$182$2,189
Progressive$207$2,490
Amica$208$2,491
Arbella Insurance$234$2,807
Farmers$234$2,807
Travelers$247$2,962
Allstate$282$3,388
USAA*$138$1,658
*USAA is only available to military community members and their families.
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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

Your 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 cost
State minimum liability-only$621
Liability only$809
Full coverage$2,430
Non-owner state minimum liability$499
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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 city

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Average car insurance cost in Massachusetts by city

Car insurance rates can vary widely depending on where you live, even within Massachusetts.

Cities like Brockton, Lynn, or Springfield tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.

On the other hand, car insurance is generally more affordable in cities like Cambridge or Lowell, with average annual premiums between $2,577 and $2,714.

This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.

CityAverage annual cost
Cambridge$2,577
Lowell$2,714
Boston$2,937
Quincy$2,937
Worcester$3,036
New Bedford$3,071
Fall River$3,079
Springfield$3,292
Lynn$3,654
Brockton$4,019
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Average car insurance cost in Massachusetts by age

Age is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.

Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.

Here’s a breakdown of what you might pay for full coverage in Massachusetts, based on age and gender.

Average car insurance cost in Massachusetts for young drivers

If you’re a younger driver, expect to pay higher premiums on your car insurance.

Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.

For instance, a 20-year-old male driver in Massachusetts pays an average of $5,031 annually for car insurance, compared to $5,031 for a female driver of the same age.

By age 25, car insurance premiums typically decrease to $2,800 per year for male drivers and $2,800 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
20$5,031$5,031
21$4,803$4,803
22$3,238$3,238
23$3,085$3,085
24$2,859$2,859
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Average car insurance cost in Massachusetts for adult drivers

An adult driver aged 25-60 in Massachusetts pays $2,445 annually for full coverage, or around $204 each month. Women in the same age group pay $2,445 per year or $204 per month.

Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
25$2,800$2,800
30$2,588$2,588
35$2,476$2,476
40$2,430$2,430
45$2,383$2,383
50$2,325$2,325
55$2,265$2,265
60$2,290$2,290
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Average car insurance cost in Massachusetts for senior drivers

Car insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,990 annually, while women pay $1,990.

By 70, average rates go up to $2,098 for men and $2,098 for women. At age 75, costs increase further, reaching $2,221 for men and $2,221 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.

However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,990$1,990
70$2,098$2,098
75$2,221$2,221
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Minimum car insurance requirements in Massachusetts

Whether 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: $20,000
  • Bodily injury per accident: $40,000
  • Property damage liability: $5,000

Cheapest cars to insure in Massachusetts

The type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.

Honda HR-V is one of the cheapest cars to insure in Massachusetts, with an average premium of $1,622 per year. Volkswagen Tiguan has an average annual cost of $1,678.

The table below shows the cars with the lowest average insurance rates.

Make ModelAverage annual premium
Honda HR-V$1,622
Volkswagen Tiguan$1,678
Mazda CX-30$1,703
Subaru Forester$1,704
Honda CR-V$1,709
Chrysler Voyager$1,716
Subaru Outback$1,728
Subaru Impreza$1,732
Chevrolet Trax$1,740
Chevrolet TrailBlazer$1,745
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Most expensive cars to insure in Massachusetts

Maserati Quattroporte tops the list as the most expensive car to insure in Massachusetts, at an average annual cost of $6,721. Below is a list of the most expensive vehicles to insure in Massachusetts and their average annual premiums.

Make ModelAverage annual premium
Maserati Quattroporte$6,721
Maserati Ghibli$5,887
Tesla Model S$5,874
Porsche Taycan Cross Turismo$5,810
BMW M8 Gran Coupe$5,740
Nissan GT-R$5,691
Porsche Taycan$5,672
Maserati Levante$5,548
Audi RS7$5,500
BMW M8$5,334
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Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.

Methodology

Insure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has 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 different coverage limits, including

  • Full 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 limits
  • Liability-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:

  • Young drivers aged 20-24
  • Adult drivers aged 25-26
  • Senior drivers aged 65-75

The quoted insurance rates are for comparison purposes, and your rates may vary.

78.5M

Quotes reviewed

170

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$2,215/Year
Alabama$2,107/Year
Arkansas$2,723/Year
Arizona$2,333/Year
California$3,010/Year
Colorado$3,222/Year
Connecticut$2,726/Year
Delaware$3,097/Year
Florida$3,852/Year
Georgia$2,739/Year
Hawaii$1,721/Year
Iowa$2,228/Year
Idaho$1,791/Year
Illinois$1,901/Year
Indiana$1,856/Year
Kansas$2,410/Year
Kentucky$2,976/Year
Louisiana$4,180/Year
Maryland$2,273/Year
Maine$1,701/Year
Michigan$3,146/Year
Minnesota$2,561/Year
Missouri$2,410/Year
Mississippi$2,455/Year
Montana$2,541/Year
North Carolina$2,587/Year
North Dakota$2,079/Year
Nebraska$2,387/Year
New Hampshire$1,650/Year
New Jersey$2,736/Year
New Mexico$2,486/Year
Nevada$3,284/Year
New York$2,898/Year
Ohio$1,739/Year
Oklahoma$2,705/Year
Oregon$1,927/Year
Pennsylvania$2,428/Year
Rhode Island$2,706/Year
South Carolina$2,367/Year
South Dakota$2,635/Year
Tennessee$2,214/Year
Texas$2,631/Year
Utah$2,250/Year
Virginia$1,837/Year
Vermont$1,504/Year
Washington$2,175/Year
Wisconsin$2,026/Year
West Virginia$2,557/Year
Wyoming$1,984/Year
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Shivani Gite
Contributing Writer

 
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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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