Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that State Farm offers the most affordable car insurance at $689 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Massachusetts. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Massachusetts and how much you need.
- State Farm provides the most affordable annual rates for full coverage car insurance in Massachusetts, costing $689 per year.
- In Massachusetts, insurance costs are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- Minimum liability coverage in Massachusetts costs around $511 annually for limits of 20/40/5, while liability-only coverage costs $655 per year for limits of 50/100/50.
- In Massachusetts, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 78%, and an at-fault accident by up to 53%.
How much is car insurance in Massachusetts?
In Massachusetts, drivers pay an average of $144 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Massachusetts by coverage level
Car insurance costs in Massachusetts can differ based on the coverage limit. To legally drive, Massachusetts residents must adhere to the minimum liability limits of 20/40/5.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Massachusetts car insurance costs for three different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $43 | $511 |
| Liability Only – 50/100/50 BI/PD | $55 | $655 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 | $1,726 |
State minimum car insurance in Massachusetts
Massachusetts laws mandate that all drivers carry insurance with minimum liability limits of $20,000 for bodily injury liability per person, $40,000 for bodily injury liability per accident and $5,000 for property damage liability.
The state minimum coverage in Massachusetts costs $511 a year but doesn’t provide much protection for drivers. Massachusetts drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Massachusetts must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Massachusetts
Liability-only car insurance costs $655 in Massachusetts for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Massachusetts
In Massachusetts, you can expect to pay around $1,726 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
You might also like
- Best car insurance companies in Massachusetts
- Non-owner car insurance in Massachusetts: Find affordable rates
- Liability insurance for Massachusetts drivers
- Minimum car insurance requirements in Massachusetts
- Massachusetts car insurance calculator: Get estimates by ZIP code and model
- How much is car insurance for a 25-year-old in Massachusetts?
- Cheap car insurance for seniors in Massachusetts
- What’s the cheapest car insurance in Massachusetts?
Calculate the cost of car insurance in Massachusetts
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, residents in higher-risk neighborhoods in Massachusetts pay more for premiums than those in lower-risk areas.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Massachusetts Car Insurance Rates by ZIP Code
Estimate car insurance in Massachusetts by car model
Massachusetts car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
See how much you’ll pay for car insurance for your specific make and model in Massachusetts.
Insurance Rates by Car Model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Massachusetts
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Massachusetts, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, at $1,700 annually.
Car insurance for drivers aged 16-19 costs $3,599 more annually than Massachusetts drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,299 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,529 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,700 per year in Massachusetts.
- For senior drivers: Drivers age 65 and older can expect to pay $1,509 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Massachusetts
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Massachusetts, a DUI conviction often results in higher premiums and you may see an increase of up to 78% as insurers perceive you as a high-risk driver.
If you get caught speeding in Massachusetts, your car insurance rates will increase by 26% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Massachusetts following driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 78% increase
- At-fault accident (bodily injury and property damage): 53% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Massachusetts for high-risk drivers
In Massachusetts, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,037 |
| Geico | $1,890 |
| Arbella Insurance | $1,937 |
| USAA | $2,096 |
| Safety Insurance | $2,751 |
| Progressive | $3,072 |
| Travelers | $3,590 |
| Farmers | $3,760 |
| Allstate | $4,439 |
Learn more: The 10 most important factors that affect car insurance rates
Average car insurance cost in different states of U.S.
Please enter the correct format
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Massachusetts
In Massachusetts, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Massachusetts by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Massachusetts and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| State Farm | $210 | $273 | $689 |
| Geico | $453 | $559 | $1,269 |
| Plymouth Rock Assurance | $344 | $452 | $1,409 |
| Safety Insurance | $332 | $576 | $1,517 |
| Arbella Insurance | $617 | $799 | $1,708 |
| Farmers | $492 | $683 | $1,966 |
| Progressive | $789 | $888 | $2,016 |
| Amica Mutual | $627 | $785 | $2,052 |
| Travelers | $721 | $881 | $2,274 |
| Allstate | $678 | $865 | $2,694 |
| USAA | $368 | $456 | $1,442 |
Car insurance rates by city in Massachusetts
Roxbury is the priciest city in Massachusetts for car insurance, costing an average of $2,993 annually. On the other hand, Northfield is the most affordable city, where drivers pay an average of $1,343 per year for car insurance.
Car insurance rates vary by city in Massachusetts for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Massachusetts’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $608 |
| Geico | $1,155 |
| Plymouth Rock Assurance | $1,158 |
| USAA | $1,341 |
| Safety Insurance | $1,366 |
| Arbella Insurance | $1,543 |
| Farmers | $1,804 |
| Progressive | $1,853 |
| Amica | $1,891 |
| Travelers | $2,080 |
| Allstate | $2,657 |
How much does car insurance cost in Massachusetts per month?
Car insurance in Massachusetts costs an average of $144 a month for a full coverage policy with limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $43 |
| Liability Only – 50/100/50 BI/PD | $55 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $144 |
Final thoughts on choosing car insurance in Massachusetts
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Massachusetts.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Massachusetts. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 20/40/5.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Massachusetts