The type of vehicle you own in Massachusetts can make a big difference in how much you pay for car insurance.
Insurers consider more than just make and model when setting rates. They also weigh factors like crash-test ratings, theft rates, safety features and average repair costs, as well as personal factors like your age and driving record.
We have highlighted the vehicles with the lowest insurance premiums and broken them down by make, model and type. Below, you’ll find the cheapest car insurance rates in Massachusetts for sedans, SUVs, sports cars, electric vehicles (EVs) and luxury vehicles.
Ranked: The cheapest cars to insure in Massachusetts
Our analysis shows that the Honda HR-V and the Volkswagen Tiguan have the lowest average insurance costs in Massachusetts, with Mazda CX-30 and Subaru Forester close behind.
Below, you’ll find a breakdown of the cheapest cars to insure in Massachusetts and their average six-month full coverage insurance premiums.
| Car make-model | Average six-month premium |
|---|---|
| Honda HR-V | $811 |
| Volkswagen Tiguan | $839 |
| Mazda CX-30 | $852 |
| Subaru Forester | $852 |
| Honda CR-V | $854 |
| Chrysler Voyager | $858 |
| Subaru Outback | $864 |
| Subaru Impreza | $866 |
| Chevrolet Trax | $870 |
| Chevrolet TrailBlazer | $873 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Massachusetts
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Massachusetts
Our data shows that Subaru Legacy is the most affordable sedan to insure in Massachusetts. Its average six-month full coverage cost is $921 for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
The Volkswagen Jetta takes the second spot at $981, while the Honda Civic Sedan comes in third with an average cost of $988.
The table below shows the cheapest sedans to insure in Massachusetts and their average full coverage six-month costs.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $921 |
| Volkswagen Jetta | $981 |
| Honda Civic Sedan | $988 |
| Mazda 3 Sedan | $1,013 |
| Nissan Versa | $1,031 |
| Toyota Corolla | $1,038 |
| Honda Accord | $1,068 |
| Toyota Camry | $1,071 |
| Nissan Sentra | $1,084 |
| Kia Forte | $1,087 |
| Chevrolet Malibu | $1,100 |
| Volkswagen Jetta GLI | $1,102 |
| Hyundai Elantra | $1,125 |
| Nissan Altima | $1,176 |
| Mitsubishi Mirage G4 | $1,193 |
| Kia K5 | $1,208 |
| Hyundai Sonata | $1,209 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Massachusetts
The Honda HR-V and Volkswagen Tiguan are the cheapest SUVs to insure in Massachusetts, with an average cost of $811 and $839 respectively for a six-month full coverage policy. The table below shows how the SUVs compare in terms of insurance rates.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda HR-V | $811 |
| Volkswagen Tiguan | $839 |
| Mazda CX-30 | $852 |
| Subaru Forester | $852 |
| Honda CR-V | $854 |
| Chevrolet Trax | $870 |
| Chevrolet TrailBlazer | $873 |
| Mazda CX-5 | $873 |
| Subaru Crosstrek | $876 |
| Buick Encore GX | $882 |
| Toyota RAV4 | $888 |
| Jeep Wrangler | $891 |
| Volkswagen Taos | $897 |
| Hyundai Kona | $900 |
| Kia Seltos | $901 |
| Kia Sportage | $903 |
| Subaru Ascent | $908 |
| Hyundai Tucson | $914 |
| Honda Pilot | $918 |
| Honda Passport | $919 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Massachusetts
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Honda Civic Si, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,031.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Honda Civic Si | $1,031 |
| Mazda MX-5 Miata | $1,062 |
| Toyota GR86 | $1,275 |
| Subaru BRZ | $1,318 |
| Honda Civic Type R | $1,330 |
| Subaru WRX | $1,332 |
| Chevrolet Camaro | $1,333 |
| Toyota GR Corolla | $1,408 |
| Ford Mustang | $1,439 |
| BMW Z4 | $1,485 |
| Toyota GR Supra | $1,531 |
| Porsche 718 Boxster | $1,565 |
| Chevrolet Corvette | $1,629 |
| Porsche 718 Cayman | $1,757 |
| Chevrolet Camaro ZL1 | $1,986 |
| Jaguar F-Type | $2,009 |
| Chevrolet Corvette Z06 | $2,096 |
| Nissan Z | $2,240 |
| Porsche 911 | $2,491 |
| Porsche 911 Turbo | $2,536 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Massachusetts
Luxury cars are equipped with high-end components and advanced systems, making them expensive to fix or replace and resulting in high insurance rates. Unlike luxury vehicles, smaller SUVs such as the Honda CR-V, Honda HR-V and Volkswagen Tiguan generally have lower insurance premiums.
Among luxury vehicles, the Acura RDX has the lowest insurance cost at $1,005 for a six-month full coverage policy. The Cadillac XT4 and Volvo XC40 also have affordable insurance rates at $1,075 and $1,094, respectively.
This table highlights the average full coverage insurance cost for different luxury vehicles for a six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,005 |
| Cadillac XT4 | $1,075 |
| Volvo XC40 | $1,094 |
| Acura MDX | $1,116 |
| Lexus RX | $1,124 |
| Cadillac XT5 | $1,127 |
| Audi Q3 | $1,150 |
| Lincoln Corsair | $1,157 |
| Acura Integra | $1,179 |
| Mercedes-Benz GLA-Class | $1,187 |
| Lexus NX | $1,195 |
| Alfa-Romeo Tonale | $1,199 |
| BMW X3 | $1,223 |
| BMW X1 | $1,238 |
| Mercedes-Benz GLB-Class | $1,243 |
| Volvo XC60 | $1,249 |
| Mercedes-Benz GLC-Class | $1,258 |
| Acura TLX | $1,264 |
| Cadillac XT6 | $1,269 |
| Lexus ES | $1,287 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Massachusetts
Electric vehicles are more expensive to buy and insure than many of their gas-powered counterparts because of their expensive components, such as batteries, and the cost of parts and labor to repair them.
According to our data analysis, insuring an electric vehicle costs an average of $2,933 a year or $244 a month.
Below is a list of the most affordable EVs to insure in Massachusetts for a full coverage policy and average six-month premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Mini Cooper Electric | $1,027 |
| Volkswagen ID.4 | $1,058 |
| Kia Niro EV | $1,068 |
| Hyundai Kona Electric | $1,073 |
| Chevrolet Silverado EV | $1,108 |
| Toyota bZ4X | $1,124 |
| Subaru Solterra | $1,125 |
| Nissan Leaf | $1,192 |
| Ford Mustang Mach-E | $1,215 |
| Genesis Electrified GV70 | $1,219 |
| Volvo XC40 Recharge | $1,236 |
| Mercedes-Benz EQB | $1,245 |
| Hyundai Ioniq 5 | $1,258 |
| Chevrolet Blazer EV | $1,266 |
| Cadillac LYRIQ | $1,298 |
| Kia EV6 | $1,303 |
| Audi Q4 e-tron | $1,320 |
| Hyundai Ioniq 6 | $1,327 |
| Jaguar I-Pace | $1,328 |
| Nissan Ariya | $1,351 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Massachusetts
Choosing the right vehicle can significantly affect how much a young driver pays for insurance. Drivers younger than 25 pay the most of any age group due to their general lack of experience and greater risk of accidents. Vehicles considered safe with smaller engines, cheaper to repair, and less likely to be stolen come with lower premiums.
For instance, a Honda HR-V costs an average of $2,595 to insure for an 18-year-old driver, whereas a Subaru Forester costs an average of $2,692 for a six-month full coverage car insurance policy for an 18-year-old driver.
The table below highlights the cheapest cars to insure based on vehicle type, helping young drivers and their families make confident decisions.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Massachusetts?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,027 for a six-month full coverage policy to insure the Mini Cooper Electric, and you can expect to pay an average of $1,058 for the Volkswagen ID.4 for the same coverage.
Which SUVs are the cheapest to insure in Massachusetts?
In Massachusetts, insuring a Honda HR-V SUV costs about $811 for six months, making it one of the most affordable options. The Volkswagen Tiguan and Mazda CX-30 also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Massachusetts?
The Honda HR-V, Subaru Forester, Volkswagen Tiguan and Chrysler Voyager are among the most affordable cars to insure for 18-year-old drivers in Massachusetts. On the other hand, vehicles like the Maserati Quattroporte, Tesla Model S and Maserati Ghibli come with higher insurance costs for young drivers.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs