Updated: November 14, 2024
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In Massachusetts, drivers pay an average of $1,185 yearly for full car insurance coverage. For minimum coverage, the yearly cost drops to about $490.
Your car insurance premium will depend on your location, age, preferred coverage level, driving record, and credit history. Consider these factors to find affordable insurance that meets your needs.
MassachusettsCar InsuranceCostsWhy Trust MoneyGeek? We analyzed data and quotes from Quadrant Information Services and the Massachusetts Department of Insurance to get the most precise average costs for various Massachusetts drivers.
These rates reflect the average cost of car insurance in Massachusetts as of November 2024.
The average full coverage car insurance cost in Massachusetts is $1,185 annually. Knowing the average cost helps you evaluate the competitiveness of your options. Comparing car insurance quotes can guide you in finding an affordable plan.
Here's what you might pay for auto insurance in Massachusetts. Average figures for minimum and full coverages can help you budget for your yearly or monthly premiums.
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,185 | $99 |
| 100/300/100 Liability Only | $738 | $62 |
| State Minimum Liability Only | $490 | $41 |
Car insurance in Massachusetts is moderately priced compared to other states. Full coverage with a $1,000 deductible averages $1,185 annually ($99 monthly), lower than the national average of $1,337 per year ($111 monthly). Minimum coverage averages $490 annually ($41 monthly), also below the national average of $628 per year ($52 monthly).
State laws, the level of competition among insurers, and the relatively lower number of uninsured drivers all affect car insurance costs.
Car insurance premiums vary by company, even within the same state. In Massachusetts, State Farm offers the cheapest full coverage at an annual premium of $483. Travelers offers the most expensive average premium for full coverage at $1,990.
Finding the cheapest car insurance in Massachusetts can lead to substantial savings. Always compare quotes from different providers to secure a policy that meets your budget and coverage needs.
| State Farm | $483 | $40 |
| American Family | $801 | $67 |
| Plymouth Rock Assurance | $833 | $69 |
| Safety Group | $967 | $81 |
| Vermont Mutual | $1,054 | $88 |
| Hanover | $1,107 | $92 |
| Amica Mutual | $1,217 | $101 |
| Arbella | $1,239 | $103 |
| GEICO | $1,258 | $105 |
| Progressive | $1,453 | $121 |
| Chubb | $1,470 | $122 |
| Allstate | $1,527 | $127 |
| Travelers | $1,990 | $166 |
The cost of car insurance in Massachusetts is influenced by the level of coverage you choose. For instance, opting for minimum coverage could cost around $41 monthly, whereas a full coverage policy is approximately $99 monthly. Despite the price difference, it is recommended to select full coverage due to the more extensive protection it offers. For more detailed information on what benefits full coverage insurance provides, visit full coverage insurance.
Incorporating comprehensive and collision coverages into your policy undoubtedly raises premiums. However, electing higher deductibles, such as $1,000, can mitigate the increase in cost. Keep in mind, the deductible amount applies individually to each comprehensive and collision claim you make.
| State Minimum Liability Only | $490 | $41 |
| 100/300/100 Liability Only | $738 | $62 |
| State Minimum Liability w/ Full Cov. w/$1,000 Ded. | $979 | $82 |
| 300/500/300 Liability Only | $1,044 | $87 |
| State Minimum Liability w/ Full Cov. w/$1,500 Ded. | $1,072 | $89 |
| State Minimum Liability w/ Full Cov. w/$500 Ded. | $1,098 | $91 |
| 100/300/100 Full Cov. w/$1,000 Ded. | $1,185 | $99 |
| 100/300/100 Full Cov. w/$1,500 Ded. | $1,279 | $107 |
| 100/300/1000,000 - 500 comp_coll | $1,304 | $109 |
| 300/500/300 Full Cov. w/$1,000 Ded | $1,331 | $111 |
| 300/500/300 Full Cov. w/$1,500 Ded. | $1,425 | $119 |
| 300/500/300 Full Cov. w/$500 Ded. | $1,450 | $121 |
Massachusetts' minimum car insurance requirements include $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $5,000 property damage liability per accident, along with $20,000 uninsured/underinsured per person and $40,000 per accident, plus personal injury protection of $8,000 per accident.
$20,000 for bodily injury liability per person
Covers expenses related to injuries of one person in an accident you cause.
$40,000 for bodily injury liability per accident
Covers expenses related to injuries of all persons per accident you cause.
$5,000 for property damage liability per accident
Covers expenses related to the damage of someone else's property per accident you cause.
$20,000 uninsured motorist bodily injury per person
Covers your expenses for injuries caused by an uninsured driver, per person.
$40,000 uninsured motorist bodily injury per accident
Covers your expenses for injuries caused by an uninsured driver, per accident.
$8,000 personal injury protection (PIP) per accident
Covers medical expenses, lost wages and other expenses regardless of who caused the accident.
Your location greatly affects car insurance premiums. Full coverage rates differ between cities — Boston averages $1,891, while Cambridge averages $1,109.
Car insurance costs in Massachusetts also depend on your driving record, vehicle type, credit score, age, gender and how often you use your car.
| Boston | $1,891 | $824 |
| Cambridge | $1,109 | $493 |
| Lowell | $1,175 | $545 |
| Springfield | $1,471 | $716 |
| Worcester | $1,301 | $572 |
In Massachusetts, younger drivers aged 22 to 29 face the highest premiums, with an average annual premium of $1,364.
Rates typically decrease with age, with drivers between 30 to 59 paying around $1,185 annually. Drivers over 60 enjoy the lowest costs, averaging $985 per year, due to their longer experience and lower risk.
| 22-29 | $1,364 | $114 |
| 30-59 | $1,185 | $99 |
| 60 + | $985 | $82 |
Age and gender greatly impact car insurance rates in Massachusetts. The highest premium often falls to 16-year-old male drivers added to the family policy, averaging $2,520 annually.
Purchasing insurance without a guardian is usually not permitted for teens under 18. If a 16-year-old male opts for individual coverage, he would face a substantial premium of $4,386.
The average annual cost for full coverage car insurance on a 2012 model is $1,034, while a 2022 model sees a yearly increased premium at $1,255. This surge in cost for newer models is often due to their higher actual cash value, costlier repair expenses and a greater risk of theft.
Experts advise modern car owners to add comprehensive and collision coverages. This protection covers damage from various incidents and helps guard against financial loss.
| 2012 Vehicle | $1,034 | $86 |
| 2022 Vehicle | $1,255 | $105 |
Your vehicle's actual cash value (ACV) is a key factor in determining your reimbursement from an insurance company post-accident. It represents your car's fair market value, taking depreciation into account. This value sets the maximum payout limit for your comprehensive or collision claim, impacting your out-of-pocket costs in case of a covered incident.
In Massachusetts, drivers with poor driving records see a notable increase in their average car insurance costs. Knowing this can help you understand what to expect when shopping for coverage.
The type of violation on your driving record can influence your car insurance premiums. More severe violations mean higher costs, and as long as the violation is on your record, it will continue to impact your rates. States have different rules about how long a violation will remain on your driving record.
In Massachusetts, for instance, a DUI can stay on your driving record for up to 10 years, affecting your insurance premiums during this time.
Although a DUI is typically the most costly offense in terms of insurance premiums, there are exceptions where other infractions can result in higher costs due to specific insurance company policies in some states.
The table below details Massachusetts' average insurance cost for various driving records, coverage options, and age groups.
| Clean | $1,185 | $99 |
| Ticket | $1,503 | $125 |
| At-fault Accident | $1,916 | $160 |
| DUI | $2,159 | $180 |
These key factors influence the average cost of car insurance in Massachusetts:
To secure affordable car insurance in Massachusetts, directly compare rates, choose a higher deductible and use eligible discounts.
Shop around
Comparing quotes from multiple insurers can lead to finding the cheapest car insurance in Massachusetts. Insurers rate risk differently, so shopping around is important.
Maintain a clean driving record
A clean driving record free of accidents and traffic violations can significantly reduce insurance premiums, as it indicates responsible driving behavior to insurers.
Bundle policies
Bundling car insurance with other policies like homeowners or renters insurance can unlock discounts and lead to more affordable overall rates.
Increase your deductibles
Opting for higher deductibles can lower your premium costs. Ensure you choose a deductible amount that you can comfortably afford in case of a claim.
Look for discounts
Insurers offer various discounts for things like being a good student, driving a low number of miles annually or having anti-theft devices installed in your vehicle.
Consider the vehicle type
Driving a car that is less expensive to repair or replace and has strong safety features can lead to lower insurance rates.
Improve your credit score
In Massachusetts, a good credit score can influence your insurance rates. Work on improving your credit score to potentially lower your insurance costs.
Get answers about what impacts the average cost of car insurance in Massachusetts and how to find affordable rates.
Massachusetts' minimum car insurance requirements include $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $5,000 property damage liability per accident, along with $20,000 uninsured/underinsured per person and $40,000 per accident, plus personal injury protection of $8,000 per accident.
In Massachusetts, full coverage car insurance averages about $1,185 annually or $99 monthly. Minimum coverage costs around $490 per year or $41 per month.
The average cost of car insurance for a 22-year-old in Massachusetts for full coverage with a $1,000 deductible is $1,364 annually or $114 monthly. For 100/300/100 liability-only coverage, it's $826 per year or $69 monthly. Minimum coverage costs about $546 annually or $46 monthly.
State Farm offers the most affordable minimum coverage, with an average annual premium of $221. Vermont Mutual follows, charging $295 annually.
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.
