Car insurance premiums in Massachusetts can vary widely based on the vehicle you own. Insurers consider not only the make and model, but also safety ratings, likelihood of theft, cost of repairs and other factors, including age, location and driving record.
We’ve listed the most affordable cars to insure in Massachusetts by category, from sedans to sports cars and EVs.
Ranked: The cheapest cars to insure in Massachusetts
In Massachusetts, Honda HR-V and Volkswagen Tiguan have the cheapest car insurance rates, followed by Mazda CX-30 and Subaru Forester, based on our research.
The table below highlights the most affordable vehicles to insure in Massachusetts, including their average six-month full coverage 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
According to our data, the Subaru Legacy is the cheapest sedan to insure, with an average six-month full coverage premium of $921. This premium is based on coverage limits of 100/300/100 and $500 collision and comprehensive deductibles.
Volkswagen Jetta ranks second on our list with an insurance cost of $981, followed by Honda Civic Sedan, which costs $988 to insure for a six-month policy.
Below is a list of the most affordable sedans to insure in Massachusetts and their average full coverage six-month rates.
| 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
High-performance engines, increased repair costs and greater theft risk usually make sports cars expensive to insure.
Still, there are some models that are affordable to insure. The Honda Civic Si stands out as one of the cheapest options on our list, with an average six-month premium of $1,031.
The table below compares car insurance rates for different sports cars in Massachusetts
| 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
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a Honda HR-V is $2,595, while insuring a Subaru Forester costs $2,692 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
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Final thoughts
While your choice of car has a major impact on your insurance premium, it’s not the only factor. Your driving record, location and coverage level all play a role in calculating your premium. We’ve put together this guide to help you decide on a car that aligns with your needs and keeps your insurance rates in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Massachusetts?
Generally speaking, EVs are more expensive to insure than gas-powered vehicles. However, some electric cars are relatively affordable to insure compared to similar gas-engine vehicles.
For example, it costs $1,027 to insure a Mini Cooper Electric for a six-month policy, whereas the insurance cost of a Volkswagen ID.4 is $1,058, according to our analysis.
Which SUVs are the cheapest to insure in Massachusetts?
The Honda HR-V is one of the cheapest SUVs to insure in Massachusetts, with an average cost of $811 for a six-month car insurance plan. The Volkswagen Tiguan and Mazda CX-30 also come with relatively low insurance premiums.
What are the cheapest cars to insure for teen drivers in Massachusetts?
The Honda HR-V, Subaru Forester, Volkswagen Tiguan and Chrysler Voyager are some of the cheapest cars to insure for an 18-year-old driver in Massachusetts. On the other hand, Maserati Quattroporte, Tesla Model S and Maserati Ghibli are the most expensive vehicles to insure for a young driver.
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.
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