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 GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onApril 9, 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 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 Drivers in Massachusetts generally pay an average of $203 per month or $2,430 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $52 or $621 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind 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 Minimum$522/year Liability coverage$745/year Full Coverage$2,393/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? Select 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 - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MassachusettsYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $52 per month or $621 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Massachusetts, drivers typically pay $203 per month or $2,430 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Brockton, Lynn or Springfield, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Cambridge or Lowell pay significantly low insurance rates, on average between $2,577 and $2,714 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 ageAge 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 driversIf 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 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 driversAn 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 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 driversCar 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 drivers65$1,990$1,99070$2,098$2,09875$2,221$2,221Powered by:Minimum car insurance requirements in MassachusettsWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Massachusetts can help you avoid fines and make smarter choices about your coverage.Drivers in Massachusetts must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $20,000Bodily injury per accident: $40,000Property damage liability: $5,000Cheapest cars to insure in MassachusettsYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Honda HR-V tops the list for cheapest car to insure in Massachusetts at an average cost of $1,622 a year, followed closely by Volkswagen Tiguan at $1,678 per year.The table below outlines the vehicles with the lowest insurance costs.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 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 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: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.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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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