Car insurance costs in Massachusetts vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. State Farm offers the cheapest annual rates for full coverage car insurance in Massachusetts at $689 annually.
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.
- The average cost of car insurance in Massachusetts is $1,726 a year or $144 per month, based on our data analysis.
- 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.
- State Farm provides the most affordable annual rates for full coverage car insurance in Massachusetts, costing $689 per year.
- 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?
CarInsurance.com data found that drivers in Massachusetts pay $144 monthly for full coverage car insurance.
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.
See how rates change in Massachusetts based on driver profile:
- Teen drivers in Massachusetts pay the most — about $442 a month or $5,299 a year.
- Young drivers in their 20s pay an average of $220 monthly or $2,642 annually, for car insurance.
- Senior drivers pay around $126 monthly or $1,509 a year.
- A speeding ticket can increase your rates to $187 monthly or $2,249 annually.
- An at-fault accident increases car insurance rates to $223 a month or $2,679 a year.
Average cost of auto insurance in Massachusetts by coverage level
In Massachusetts, car insurance rates can differ depending on how much coverage you choose. Drivers in Massachusetts are required by law to have minimum insurance coverage limits of 20/40/5 to drive legally.
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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage 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
In Massachusetts, minimum car insurance requirements include $20,000 of bodily injury liability per person, $40,000 of bodily injury liability per accident and $5,000 of property damage liability.
The state minimum car insurance cost in Massachusetts is $511 a year. However, this basic coverage only offers limited protection. Massachusetts drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Massachusetts must be aware of the minimum insurance coverage requirements to stay compliant.
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
The average annual premium in Massachusetts is $1,726 for a full coverage policy with 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.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Massachusetts
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living 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.
This means that residents in higher-risk neighborhoods in Massachusetts have to bear greater financial burdens than those in areas with lower risks.
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.
Calculate car insurance rates by ZIP code in Massachusetts
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Massachusetts by car model
In Massachusetts, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Car insurance companies know teen drivers are less experienced and riskier to insure. Massachusetts drivers aged 30 to 60 have the lowest average auto insurance rates at $1,700 annually.
Massachusetts drivers aged 16-19 pay $3,599 more for insurance premiums than 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Massachusetts can increase your premiums by up to 78% because insurers see you as a risky driver.
If you receive a speeding ticket in Massachusetts, be prepared for your car insurance rates to rise by up to 26% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in Massachusetts for high-risk drivers
High-risk drivers in Massachusetts pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Massachusetts
In Massachusetts, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Massachusetts by getting quotes from different insurance companies.
In the table below, see an overview of various car insurance companies in Massachusetts, along with 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 premiums differ across cities in Massachusetts and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
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.
Below, you’ll see the average annual car insurance cost of major cities in Massachusetts.
Select your city below to see the insurance company and its average full coverage rates.
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.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
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.
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