Your rate depends on factors you can't change, such as your age, where you live, your driving history, coverage levels, deductibles, and the insurer you choose.
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Average Cost of Car Insurance in Massachusetts for 2026
Updated: March 4, 2026
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How Much Does Car Insurance Cost in Massachusetts?
Massachusetts drivers pay $99 per month for full coverage car insurance and $44 per month for minimum coverage on average. Both Massachusetts coverage options cost less than the national average, giving residents affordable protection for their vehicles.
| Minimum Coverage | $44 | $60 | $526 | $726 |
| Full Coverage | $99 | $124 | $1,193 | $1,493 |
Massachusetts drivers pay $265 less per year than the national average for full coverage and $162 less for minimum coverage. Massachusetts ranks 14th out of 51 states for full coverage affordability.
Is Car Insurance Expensive in Massachusetts?
Massachusetts ranks 14th out of 51 states for full coverage affordability, with 37 states charging higher rates. This places Massachusetts in the more affordable half of the country for car insurance costs.
Massachusetts rates are affected by the state's no-fault insurance laws requiring personal injury protection coverage, dense urban populations, and heavy traffic congestion. Boston, the state's largest city, shows how metropolitan areas push up statewide averages with higher accident rates and repair costs (see rates by city).
Vermont offers the cheapest full coverage at $75 per month, while Florida tops the list at $243 per month. Massachusetts ranks just above Illinois and just below Tennessee in the national affordability rankings.
| Vermont | $75 | $902 | 1 |
| Illinois | $99 | $1,189 | 13 |
| Massachusetts | $99 | $1,193 | 14 |
| Tennessee | $103 | $1,233 | 15 |
| Florida | $243 | $2,912 | 51 |
Cheapest Car Insurance Companies in Massachusetts
At 28% below the state average, Plymouth Rock offers Massachusetts' most affordable car insurance rates at $83 per month for full coverage and $23 per month for minimum coverage. Amica and GEICO are tied for second as the next cheapest options for Massachusetts drivers.
Comparing multiple insurers remains the most reliable way to find your lowest rate. Each company uses its own formula to calculate premiums, so the same driver profile can produce vastly different quotes across insurers.
Read more: Cheapest and Best Car Insurance Companies in Massachusetts
| Plymouth Rock Insurance | $23 | $83 | $274 | $997 |
| Amica | $35 | $84 | $415 | $1,013 |
| Geico | $38 | $82 | $451 | $978 |
| Safety Insurance | $30 | $90 | $366 | $1,081 |
| Norfolk & Dedham Insurance | $37 | $84 | $446 | $1,006 |
How Much Is Car Insurance by City in Massachusetts?
Where you live in Massachusetts directly affects your car insurance premiums. Brockton and Lynn represent the most expensive areas among the state's 10 largest cities, with full coverage averaging $162 and $142 per month respectively. Cambridge and Boston offer the most affordable rates at $110 and $113 per month for full coverage.
| Brockton | $162 | $72 |
| Lynn | $142 | $63 |
| Springfield | $140 | $64 |
| Worcester | $124 | $56 |
| Lowell | $122 | $57 |
| Fall River | $122 | $54 |
| New Bedford | $121 | $53 |
| Quincy | $114 | $51 |
| Boston | $113 | $50 |
| Cambridge | $110 | $50 |
Cambridge benefits from lower crime rates and a highly educated population that correlates with safer driving habits. Brockton's higher rates stem from increased traffic density on Route 24 and elevated property crime statistics that drive up comprehensive coverage costs. The gap between the most and least expensive of Massachusetts's 10 most populous cities reaches $52 per month, or $624 per year.
How Much Is Car Insurance in Massachusetts by Age and Gender?
Car insurance rates in Massachusetts vary by age, with 16-year-olds paying $6,049 per year when added to a family policy regardless of gender. This amount represents roughly three times what typical adult drivers pay in the state, reflecting the higher risk insurers assign to inexperienced drivers. Age and gender affect car insurance rates most severely during the teen years, with premiums dropping steadily through the early twenties before leveling off around age 25.
The data reflects average annual premiums when a young driver joins a household policy with two 50-year-old parents, with options to view rates for both male and female drivers. A 16-year-old male choosing an individual policy pays $7,533 in annual premiums compared to $6,049 on a family plan. This family coverage approach saves Massachusetts families $1,484 per year while providing the same protection for teen drivers.
Data filtered by:
Male
| 16 | $6,049 | $7,533 |
| 17 | $5,608 | $6,245 |
| 18 | $5,429 | $5,852 |
| 19 | $4,522 | $4,138 |
| 20 | $4,405 | $3,936 |
| 21 | $4,190 | $3,598 |
| 22 | $3,574 | $2,440 |
| 23 | $3,530 | $2,331 |
| 24 | $3,424 | $2,173 |
| 25 | $3,430 | $2,133 |
CAR INSURANCE COSTS BY AGE
How Does Your Driving Record Affect Car Insurance Rates in Massachusetts?
Full coverage car insurance in Massachusetts ranges from $108 per month with a clean record to $202 per month after a DUI, an 87% increase that adds $94 per month to premiums. Even a speeding ticket raises rates by 20%, making any violation costly for Massachusetts drivers.
| Clean Record | $108 | $1,293 | — |
| Accident (not at fault) | $113 | $1,356 | 5% |
| Speeding | $130 | $1,564 | 20% |
| Texting While Driving | $130 | $1,564 | 20% |
| Accident (at fault) | $168 | $2,012 | 56% |
| DUI | $202 | $2,419 | 87% |
Insurers in Massachusetts classify drivers with violations as riskier to insure because past driving behavior predicts future claim likelihood. This increased risk assessment means higher car insurance rates to cover the additional costs these drivers may generate.
How Does Credit Score Affect Car Insurance Rates in Massachusetts?
Massachusetts prohibits insurers from using credit-based insurance scores when calculating car insurance premiums. Your credit history cannot affect your rates in Massachusetts, unlike most other states. Instead, Massachusetts insurers focus on your driving record, annual mileage and the coverage limits you choose for your policy.
While low-income Massachusetts drivers cannot improve their rates through better credit scores, they can lower premiums by choosing higher deductibles or reducing coverage levels.
How Much Does Car Insurance Cost in Massachusetts by Coverage Level?
Upgrading from minimum liability to high-limit full coverage in Massachusetts adds $78 per month to your premium. Massachusetts drivers pay $48 per month for basic liability coverage, while a comprehensive 300/500/300 policy with collision runs $126 per month.
| Minimum Liability Only | $48 | $578 |
| Min. liab. + comp/coll ($1,000 ded.) | $58 | $697 |
| Min. liab. + comp/coll ($2,000 ded.) | $77 | $921 |
| Min. liab. + comp/coll ($0 ded.) | $103 | $1,241 |
| Min. liab. + comp/coll ($250 ded.) | $103 | $1,233 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $108 | $1,293 |
| 50/100/50 liability + comp/coll ($500 ded.) | $113 | $1,357 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $126 | $1,513 |
READING THIS TABLE AND UNDERSTANDING COVERAGE LIMITS IN MASSACHUSETTS
Massachusetts requires drivers to carry minimum liability limits of 25/50/30, plus personal injury protection and uninsured motorist coverage. This state minimum protects others when you cause an accident, but won't cover damage to your own car. The table above starts with these baseline requirements and shows how premiums rise as you increase liability limits and add comprehensive and collision protection.
Here's how to read the 50/100/50 liability + comp/coll ($500 ded.) example:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
- Comprehensive and collision coverage with a $500 deductible
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
How Much Does Car Insurance Cost in Massachusetts by Vehicle?
Your vehicle choice directly affects car insurance rates in Massachusetts. A Tesla Model Y costs $263 per month for full coverage, which is 57% more than a Ford F-150 at $168 per month. These models rank among the most popular vehicles nationally by sales volume. Your rate will depend on your vehicle and its safety features, repair costs and theft risk.
| Ford F-150 | $79 | $952 | $168 | $2,011 |
| Honda Civic | $84 | $1,003 | $177 | $2,121 |
| Honda Accord | $87 | $1,041 | $183 | $2,200 |
| Toyota Camry | $88 | $1,059 | $187 | $2,242 |
| Toyota Prius | $89 | $1,074 | $190 | $2,275 |
| Toyota Rav4 | $92 | $1,106 | $195 | $2,345 |
| Tesla Model 3 | $108 | $1,299 | $230 | $2,755 |
| Tesla Model Y | $123 | $1,479 | $263 | $3,158 |
A Tesla Model Y costs $263 per month for full coverage compared to $168 for a Ford F-150, creating a $95 monthly difference. Electric vehicles cost more to insure because their specialized battery systems, unique parts, and higher repair costs lead to more expensive claims when accidents occur. Budget-focused drivers can choose a Honda Civic or Toyota Camry instead, saving roughly $81 per month compared to a Model Y.
Cost of Car Insurance in Massachusetts: FAQ
Massachusetts drivers pay more for car insurance than most states due to the no-fault system and dense urban areas that increase claim frequency. These are the questions Massachusetts residents ask most often about their coverage costs.
How much is Massachusetts car insurance per month?
Massachusetts car insurance averages $44 per month for minimum coverage and $99 for full coverage. Your actual rate depends on your driving record, age and coverage choices.
Why is Massachusetts car insurance so expensive?
Massachusetts drivers have high insurance costs due to several factors. The state has a 4.5% uninsured driver rate, below the national average of 13%, but dense urban traffic in Boston and Worcester increases claim frequency. Rising healthcare costs under Massachusetts' no-fault insurance system and frequent nor'easters also drive up premiums statewide.
How We Determined Massachusetts Car Insurance Costs
We used this profile to determine auto insurance costs across all available ZIP codes and cities in the state.
- 40 years old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. Full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.