Massachusetts car insurance calculator

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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 Massachusetts

Get 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 car
• Step 2: Choose the make and model of your car
• Step 3: Choose your state
• Step 4: Click on the “Get My Rates” button to get a car insurance estimat
• Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices

Massachusetts car insurance calculator

Tell us about your car to get an estimate.

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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/year

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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

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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.

Does your vehicle model affect car insurance rates in Massachusetts?

Your car’s make and model play a major role in determining your insurance rates, along with other factors insurers use when setting premiums.

For example, the average annual full coverage cost for a Honda Accord LX in Massachusetts is $2,135, while the average premium for a Honda CR-V is $1,709 – that’s a difference of $426 annually.

Does your car’s model year affect insurance rates in Massachusetts?

In Massachusetts, your car’s model year affects how much you pay for insurance. For example, a 2023 Honda Accord LX has an annual premium of $2,602 per year, while the 2024 model costs $2,072 annually to insure.

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.

Our agents make it hassle-free to get the right quote.

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How your car’s trim affects insurance rates in Massachusetts

Your car’s trim is one of the factors insurers use to calculate premiums in Massachusetts. Insurance companies take into account the car’s value, safety features, repair expenses and theft rates. As a result, trims with luxury features or powerful engines tend to be more costly to insure.

Full coverage car insurance for a 2023 Honda Accord LX in Massachusetts is about $2,602 per year. On the other hand, the 2023 Honda Accord EX-L trim costs $2,188, which is $414 annually.

Higher-end trims often come with expensive features like luxury interiors or advanced infotainment systems, which make the vehicle more costly to replace. Performance trims with bigger engines may also carry higher premiums due to the added risk associated with faster driving.

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Average car insurance costs in Massachusetts

The average annual premium for a full coverage car insurance policy in Massachusetts is $2,430 or $203 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Massachusetts, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

Car insurance costs in Massachusetts by city

Car insurance rates in Massachusetts vary significantly depending on the city you live in. Factors like traffic congestion, accident frequency, weather conditions and crime rates all influence how much drivers pay for coverage. For instance, drivers in Roxbury Crossing pay $4,988 annually for full coverage, while those in Gill pay closer to $1,778 per year.

Top 20 cities with cheapest car insurance rates in Massachusetts

Top 20 cities with most expensive car insurance in rates Massachusetts

Want to know what you’ll pay? Use our Massachusetts car insurance calculator

Our 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.

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.