Average Car Insurance Cost in Massachusetts

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If you are looking for auto insurance in Massachusetts, knowing how much it will cost is a promising idea. The average premium for car insurance in Massachusetts is $1,538 per year or $128 per month. While the national average is $1,682. There is a difference of $144 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Massachusetts, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Summary of average car insurance cost in Massachusetts
Average annual cost $1,538	Average per month cost $128	Average cost for state minimum coverage $523 / Year
Cheapest car insurance company State Farm ($647/ Year)	Average cost for young drivers $2,414 / Year	Average cost for Senior drivers $1,349 / Year

Key Takeaways

The average car insurance cost in Massachusetts is $1,538 per year, based on Insure.com’s analysis.
In Massachusetts, the average premium for car insurance is $128 per month.
State Farm has the cheapest car insurance rates in Massachusetts, at an average annual rate of $647 a year.

Average car insurance cost in Massachusetts per month

In Massachusetts, the average premium for car insurance is $128 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Massachusetts, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Massachusetts is State Farm. The average annual cost is $647 while the average cost per month is $54. The second-best option available is, USAA, offering insurance at an average per month cost of $98.

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 name	Average per month cost	Average annual cost
State Farm	$54	$647
USAA	$98	$1,170
Geico	$99	$1,184
Safety Insurance	$102	$1,226
Farmers Insurance	$136	$1,633
Progressive	$138	$1,653
Arbella Insurance	$141	$1,696
American Family	$144	$1,723
Allstate	$183	$2,195
Travelers	$188	$2,254

Read our guide to best car insurance companies

Average cost of car insurance by coverage levels in Massachusetts

The amount of coverage you purchase has an impact on how much car insurance costs in Massachusetts. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Massachusetts is $660.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Massachusetts is $1,538 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Massachusetts, the average annual cost for non-owner state minimum liability only is $421.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $523 per year in Massachusetts.

Coverage limits	Average annual cost
50/100/50 Liability Only	$660
100/300/100 Liability with $500 Comp/Coll Deductible	$1,538
Non-Owner State Minimum Liability Only	$421
State Minimum Liability Only	$523

Average car insurance cost in Massachusetts by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Massachusetts:

City	Average annual cost
Boston	$1,903
Worcester	$2,015
Springfield	$2,175
Cambridge	$1,673
Lowell	$1,781
Brockton	$2,555
New Bedford	$1,985
Quincy	$1,874
Lynn	$2,369
Fall River	$1,998

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

Average car insurance cost in Massachusetts by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Massachusetts is $2,414 while for seniors is $1,349. Here, the rate for young drivers is $1,065 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Massachusetts for young drivers

The average car insurance cost for female young drivers in Massachusetts is $2,414 per year or $201 per month and rate for a male young driver is $2,414 per year or $201 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
18	$5,854	$5,854
19	$3,888	$3,888
20	$3,554	$3,554
21	$2,926	$2,926
22	$1,973	$1,973
23	$1,884	$1,884
24	$1,734	$1,734
25	$1,715	$1,715

Average car insurance cost in Massachusetts for senior drivers

In Massachusetts, the cost of car insurance for senior female driver is $1,349 per year or $112 per month and cost of car insurance for male senior driver is $1,349 per year or $112 per month.

Age of driver	Average annual cost for Male drivers	Average annual cost for Female drivers
65	$1,251	$1,251
70	$1,276	$1,276
75	$1,348	$1,348

Minimum car insurance requirements in Massachusetts

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Massachusetts Department of Insurance, the following are the required 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 Chevrolet Spark 1LT has the lowest average annual insurance premium at $1,157, followed closely by the Chrysler Voyager LX at $1,196. The difference in the cost of insuring these two models is $39 annually.

Make	Model	Average annual premium
Chevrolet	Spark 1LT	$1,157
Chrysler	Voyager LX	$1,196
Subaru	Crosstrek 2.0I	$1,218
Subaru	Forester 2.5I	$1,224
Honda	HR-V EX	$1,232
Ford	Transit Connect Titanium	$1,255
Hyundai	Venue SE	$1,258
Mazda	CX-30 S	$1,267
Ford	Maverick Lariat	$1,280
Chevrolet	Trax LS	$1,295

Most expensive cars to insure in Massachusetts

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $5,039. However, the difference between the cheapest and most expensive cars to insure is $3,882 annually.

Make	Model	Average annual premium
Maserati	Quattroporte	$5,039
Tesla	Model S Plaid	$4,602
Maserati	Ghibli Modena	$4,382
Audi	RS7 Quattro Prestige	$4,297
Maserati	Ghibli GT	$4,242
Acura	NSX Type S	$4,221
BMW	M5	$4,163
Audi	RS7 Quattro	$4,160
Audi	RS7 Quattro Performance	$4,157
Audi	R8 5.2L V10 Quattro Performance	$4,147

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

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: