Massachusetts' average annual car insurance costs are $1,185 for full coverage and $490 for minimum coverage, which are $111 and $105 below the national averages, respectively.
Average Cost of Car Insurance in Massachusetts
Updated: December 19, 2024
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Key Takeaways
Drivers in Massachusetts pay 9% less for full coverage car insurance than the national average.
For minimum coverage, they pay 18% less than the national average.
On average, full coverage in Massachusetts costs $1,185 annually, while minimum coverage is $490, making it a more affordable state for car insurance.
How Much Is Car Insurance in Massachusetts?
| Full Coverage | $1,185 | $1,296 | -9% |
| State Minimum Liability Only | $490 | $595 | -18% |
Massachusetts Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while choosing a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Massachusetts based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,450 | $500 |
| 300/500/300 | Full Coverage | $1,425 | $1,500 |
| 300/500/300 | Full Coverage | $1,331 | $1,000 |
| 100/300/100 | Full Coverage | $1,304 | $0 |
| 100/300/100 | Full Coverage | $1,279 | $1,500 |
| 100/300/100 | Full Coverage | $1,185 | $1,000 |
| State Minimum | Full Coverage | $1,098 | $500 |
| State Minimum | Full Coverage | $1,072 | $1,500 |
| 300/500/300 | Liability Only | $1,044 | $0 |
| State Minimum | Full Coverage | $979 | $1,000 |
| 100/300/100 | Liability Only | $738 | $0 |
| State Minimum | Liability Only | $490 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Massachusetts Car Insurance Cost by City
Car insurance rates in Massachusetts vary from city to city due to crime rates, traffic conditions and repair costs. For example, Boston's annual full coverage cost is $1,891, while Springfield's is $1,471. Cambridge has the most affordable average rate at $1,109. Check the table below to see how other cities compare to the state average.
| Boston | $1,891 | -1% | $824 | -25% |
| Cambridge | $1,109 | -42% | $493 | -55% |
| Lowell | $1,175 | -38% | $545 | -50% |
| Springfield | $1,471 | -23% | $716 | -35% |
| Worcester | $1,301 | -32% | $572 | -48% |
Average Massachusetts Car Insurance Cost by Age
Car insurance rates in Massachusetts (and other states like California and Hawaii) don't factor in age due to anti-discrimination laws. Instead, premiums are based on driving records, vehicle type and location. This ensures fair pricing for drivers of all ages, unlike in other states where younger drivers often pay more.
| 25 | $1,364 | $546 |
| 40 | $1,185 | $490 |
| 65 | $985 | $404 |
Car Insurance Costs in Massachusetts for Young Drivers by Gender
In Massachusetts, young drivers face higher car insurance costs due to factors like driving history and vehicle type, not age. On a family policy, drivers aged 18 to 25 typically pay about $1,325 per year, 42% less than an individual policy costing $1,887.
Young male and female drivers have the same average annual cost. Below is a breakdown of the average car insurance costs of individual and family policies for young drivers in the state, without gender-based differences.
Car Insurance Costs in Massachusetts for Young Females
In Massachusetts, adding an 18-year-old female to a family car insurance policy averages $1,878. Choosing an individual policy can raise her rate by over 40% to $3,135.
| 18 | $3,135 | $1,878 | -40% |
| 19 | $2,352 | $1,571 | -33% |
| 20 | $2,177 | $1,480 | -32% |
| 21 | $1,969 | $1,366 | -31% |
| 22 | $1,566 | $1,216 | -22% |
| 23 | $1,451 | $1,149 | -21% |
| 24 | $1,234 | $968 | -22% |
| 25 | $1,210 | $973 | -20% |
Car Insurance Costs in Massachusetts for Young Males
An 18-year-old male in Massachusetts pays around $3,135 for full coverage on an individual policy. Joining a family policy, the cost drops to $1,878, saving 40% annually.
| 18 | $3,135 | $1,878 | -40% |
| 19 | $2,352 | $1,571 | -33% |
| 20 | $2,177 | $1,480 | -32% |
| 21 | $1,969 | $1,366 | -31% |
| 22 | $1,566 | $1,216 | -22% |
| 23 | $1,451 | $1,149 | -21% |
| 24 | $1,234 | $968 | -22% |
| 25 | $1,210 | $973 | -20% |
Average Massachusetts Car Insurance Cost by Driving Record
In Massachusetts, a DUI might raise your full coverage rate by 13%, while a speeding ticket may lower it by 21%. The table below compares costs for drivers with accidents, DUIs or tickets to those with clean records.
| At-Fault Accident | $1,916 | 0% | $794 | -28% |
| DUI | $2,159 | 13% | $893 | -19% |
| Ticket | $1,503 | -21% | $606 | -45% |
Read More: High-Risk Car Insurance in Massachusetts
Average Massachusetts Car Insurance Cost by Company
Car insurance premiums vary widely by company. State Farm's average annual full coverage premium is $483, the cheapest option in Massachusetts. Travelers' average is $1,990, the highest in the state.
| State Farm | $483 | $221 |
| American Family | $801 | $365 |
| Plymouth Rock Assurance | $833 | $324 |
| Safety Group | $967 | $318 |
| Vermont Mutual | $1,054 | $295 |
| Hanover | $1,107 | $301 |
| Amica Mutual | $1,217 | $517 |
| Arbella | $1,239 | $582 |
| GEICO | $1,258 | $587 |
| Progressive | $1,453 | $820 |
| Chubb | $1,470 | $480 |
| Allstate | $1,527 | $734 |
| Travelers | $1,990 | $831 |
Average Massachusetts Car Insurance Cost by Vehicle Age
In Massachusetts, newer cars have higher insurance costs. Full coverage averages $1,255 yearly for new models, compared to $1,034 for 10-year-old cars.
| 10-Year-Old Vehicle | $1,034 | $490 |
| New Model Vehicle | $1,255 | $456 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents what your vehicle was worth right before any damage. In comprehensive or collision claims, insurers calculate the ACV to determine the maximum payout for repairs or replacements, minus any deductible. This ensures the claim aligns with the car's fair market value.
Read More: Used Car Insurance
Massachusetts Car Insurance Rates Explained
We compare Massachusetts' car insurance rates to the national average to determine if they're more affordable. We also explain how factors like your driving record and vehicle type affect the cost of full coverage and state minimum insurance.
Is Car Insurance Expensive in Massachusetts?
Car insurance in Massachusetts is affordable, with an average full coverage cost of $99 per month. Residents pay about 8% less than the national average for full coverage policies.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Massachusetts vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Massachusetts Average Cost
Full Coverage Car Insurance
$99MA Car Insurance Is Affordable:$9 saved
This is 8% less expensive.
Why Are Car Insurance Rates Expensive in Massachusetts?
Massachusetts' dense cities, tough weather and strict laws can lead to more claims and higher prices for residents.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Massachusetts
While average rates reflect how laws and the economy affect car insurance in Massachusetts, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
A clean driving record can lead to lower car insurance rates by demonstrating responsible driving behavior to insurers.
Vehicle Type
Insurance rates can be lower for vehicles that are less expensive to repair or replace and have good safety records.
Location
Living in areas with lower crime rates or less traffic can reduce your car insurance premiums.
Coverage Level
Tailoring your coverage to fit your needs can help you avoid paying for unnecessary insurance benefits.
Marital Status
Married drivers often receive lower rates, as they're statistically less likely to file claims than single drivers.
State Law
Knowing Massachusetts' insurance requirements can ensure you purchase enough coverage without overpaying.
Read More: Massachusetts Car Insurance Calculator
Minimum Car Insurance in Massachusetts
Massachusetts' average annual minimum coverage car insurance is $490, below the national average of $595. Below is a table of the state's minimum coverage requirements.
Massachusetts Car Insurance Requirements
Massachusetts requires minimum auto insurance coverage, including $20,000 for bodily injury per person, $40,000 per accident, $5,000 for property damage, $20,000/$40,000 for uninsured/underinsured motorist coverage and $8,000 per accident for personal injury protection (PIP).
Liability Limits | What It Covers |
|---|---|
$20,000 bodily injury liability per person | Medical expenses if you injure someone in an accident |
$40,000 bodily injury liability per accident | Multiple injuries in a single incident |
$5,000 property damage liability per accident | Damage to another person's property |
$20,000 uninsured motorist bodily injury per person | Medical expenses if an uninsured driver injures you and your passengers |
$40,000 uninsured motorist bodily injury per accident | Multiple injuries caused by an uninsured driver per accident |
$8,000 PIP per accident | Medical expenses for you and your passengers, regardless of fault |
How to Lower Car Insurance Costs in Massachusetts
Save on car insurance by comparing rates, raising your deductible and using eligible discounts.
- 1
Compare Multiple Quotes
Research multiple insurance providers to find the cheapest car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
A clean driving record without at-fault accidents or moving violations can significantly lower insurance premiums because insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing your coverage helps ensure you’re paying only for what you need. Raising deductibles can lower premiums, and low-mileage drivers may save with usage-based policies.
- 4
Ask About Discounts
Inquire about discounts for safe driving, good grades, anti-theft devices, completing a state-approved defensive driving course and bundling policies, as these can help lower premiums.
- 5
Consider the Car You Drive
Driving a vehicle that's less expensive to insure, such as one with good safety ratings, can reduce auto insurance costs.
Auto Insurance Rates in Massachusetts: Bottom Line
Massachusetts's average yearly cost of full coverage car insurance is $1,185, making it more affordable than the national average of $1,296. This means Bay Staters get lower premiums than in many other states. Rates vary based on vehicle type, driving record and location.
Massachusetts Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Massachusetts and how to find affordable rates.
What are the minimum car insurance requirements in Massachusetts?
Massachusetts' minimum car insurance requirements include $20,000 in bodily injury liability per person, $40,000 per accident, $5,000 in property damage liability and $8,000 in personal injury protection per accident. Uninsured/underinsured motorist coverage of $20,000 per person and $40,000 per accident is also mandatory.
What is the average cost of full coverage and minimum coverage auto insurance in Massachusetts?
Massachusetts' full coverage auto insurance averages $1,185 annually, while minimum coverage averages $490. These rates are below the national averages of $1,296 and $595, respectively.
What is the average cost of car insurance for a 25-year-old in Massachusetts?
The average annual cost of car insurance for a 25-year-old in Massachusetts is $1,364 for full coverage and $546 for minimum coverage. Both rates are slightly below the state averages.
What are the cheapest car insurance companies in Massachusetts?
State Farm offers the most affordable car insurance in Massachusetts, with full coverage at $483 annually and minimum coverage at $221.
Massachusetts Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Massachusetts:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following minimum coverage limits as mandated by Massachusetts:
- $20,000 in bodily injury liability per person
- $40,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.