Home Car insurance Car insurance calculator Massachusetts car insurance calculator Massachusetts car insurance calculator 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: October 14, 2025 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 drive in Massachusetts, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Massachusetts car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Massachusetts, making it easier to compare options and choose the coverage that’s right for you. How to use our car insurance calculator to estimate your rates in MassachusettsGet a fast, personalized car insurance estimate with our calculator. Enter a few details, and you’ll see your potential rates in minutes – making it easy to compare options and choose coverage with confidence.Step 1: Choose the model year of your carStep 2: Choose the make and model of your carStep 3: Choose your stateStep 4: Click on the “Get My Rates” button to get a car insurance estimatStep 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices Updated with latest data Massachusetts car insurance calculator Select Year Select Year20242023202220212020201920182017201620152014 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedes-AMGMercedes-BenzMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type SMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. Please select a different vehicle. Matching results for your car Filter Add more cars Year Select Year202420242023202220212020201920182017201620152014 State Select State Nationwide Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington D.C. Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming State Minimum Coverage Select Low to High High to Low OR Liability Coverage Select Low to High High to Low OR Full Coverage Select Low to High High to Low Reset Apply Add a vehicle to Compare!!! No matches found for the selected filter options..!!! Year 2024 Cylinders 4 Make & Model Acura - Integra State Massachusetts Style 2WD 4 Door Hatchback Automatic Turbo Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage $692/Year OR $58/month Full Coverage $2,291/Year OR $191/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. Does your vehicle model affect car insurance rates in Massachusetts?Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.For example, insuring a Honda Accord LX around $2,135 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $1,709, a difference of $426.Does your car’s model year affect insurance rates in Massachusetts?In Massachusetts – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $2,602, while insuring the 2024 model costs $2,072.Quick tip: Check your state’s minimum coverage rulesEvery state sets its own minimum car insurance requirements, and Massachusetts is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:Bodily injury liability per person and per accidentProperty damage liabilityThese limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Massachusetts can lead to fines, license suspension and even vehicle impoundment.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 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 How your car’s trim affects insurance rates in MassachusettsInsurance rates often vary based on your car’s trim. Companies consider the vehicle’s value, cost of repairs, safety equipment and theft risk. Premium trims with upgraded technology or more powerful engines usually mean higher premiums due to their higher replacement and repair costs.For example, in Massachusetts, full coverage car insurance for a 2023 Honda Accord LX costs $2,602 a year, while the higher-end Accord EX-L trim costs $2,188 annually – a difference of $414 per year.Luxury features like high-end sound systems or advanced infotainment can increase insurance rates, since they add to the car’s value. Similarly, performance trims with larger engines often increase premiums due to a greater risk of accidents or speeding. You might find interesting Average car insurance cost in MassachusettsCar insurance calculator for teens in MassachusettsCheapest SR-22 insurance in MassachusettsDo you need insurance to register a car in Massachusetts?How much is gap insurance in MassachusettsLow-cost car insurance in MassachusettsNon-owner car insurance in Massachusetts: Which company has the cheapest rates?The best, cheapest car insurance in Massachusetts What drivers pay for car insurance in MassachusettsIn Massachusetts, the average cost of full coverage car insurance is $2,430 per year, or $203 per month. Your rate may be higher or lower depending on the coverage you choose.Below, you’ll find estimates for different coverage levels in Massachusetts, but keep in mind that factors like your vehicle, driving history, and other personal details can affect your final premium.Coverage levelAverage annual rateAverage monthly rateFull Coverage – 100/300/100 BI/PD – 500 Comp/Coll$2,430$203Liability Only – 50/100/50 BI/PD$809$67State Minimum BI/PD$621$52Non-Owners$499$42Powered by:How much is car insurance in Massachusetts by cityIn Massachusetts, where you live, greatly impact your car insurance costs. Factors including congestion, accident rates, climate conditions and crime rates affect premiums. As a result, drivers in Roxbury Crossing pay about $4,988 per year for a full coverage policy, where as drivers in Gill pay $1,778 annually.Top 20 cities with cheapest car insurance rates in MassachusettsCityAvg. Annual PremiumAvg. Monthly PremiumGill$1,778$148Warwick$1,814$151Northfield$1,876$156South Deerfield$1,884$157Orleans$1,886$157Bernardston$1,888$157Adams$1,891$158Erving$1,891$158Deerfield$1,893$158Eastham$1,895$158Rowe$1,895$158Ashfield$1,896$158Shelburne Falls$1,897$158Chatham$1,898$158Buckland$1,900$158Williamstown$1,903$159Cheshire$1,904$159Cummington$1,905$159Montague$1,910$159Charlemont$1,911$159Powered by:Top 20 cities with most expensive car insurance in rates MassachusettsCityAvg. Annual PremiumAvg. Monthly PremiumRoxbury Crossing$4,988$416Roxbury$4,802$400Dorchester$4,562$380Dorchester Center$4,452$371Mattapan$4,233$353Brockton$4,019$335Revere$3,986$332Chelsea$3,971$331Readville$3,963$330Hyde Park$3,865$322Charlestown$3,675$306Lynn$3,654$305Everett$3,641$303Malden$3,524$294North Carver$3,499$292Roslindale$3,494$291Winthrop Town$3,345$279Randolph$3,334$278Indian Orchard$3,308$276Lawrence$3,302$275Powered by:Want to know what you’ll pay? Use our Massachusetts car insurance calculatorOur car insurance calculator for Massachusetts factors in your location, vehicle make, and model year to provide an estimate tailored to your situation. Actual quotes may vary, so shop around and compare multiple quotes to get the best deal. Looking to simplify insurance cost estimation? Try our calculators: Monthly car insurance calculator Full coverage car insurance calculator State minimum car insurance calculator Blood alcohol content (BAC) calculator Liability coverage car insurance calculator Car insurance calculator for adults Car insurance calculator for young adults Car insurance calculator for teens Car insurance calculator for seniors California car insurance calculator Texas car insurance calculator Auto Insurance Advisor Find ratings for top insurance companies Car insurance estimate by model 2025 How much used car insurance costs: Most and least expensive models to insure Car insurance calculator: Use our tool to estimate your auto premiums 1/1 How 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/YearWashington, D.C.$3,394/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 Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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What to know about six-month car insurance How much does car insurance cost a month in 2025? 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 How to use our car insurance calculator to estimate your rates in MassachusettsDoes your vehicle model affect car insurance rates in Massachusetts?Does your car's model year affect insurance rates in Massachusetts?How your car's trim affects insurance rates in MassachusettsWhat drivers pay for car insurance in MassachusettsHow much is car insurance in Massachusetts by cityWant to know what you'll pay? Use our Massachusetts car insurance calculator ZIP Code Please enter valid ZIP See rates (844) 645-3330