- The average cost of car insurance in Massachusetts is $2,429 a year or $202 per month, based on our data analysis.
- Minimum liability coverage in Massachusetts costs around $1,327 annually for limits of 25/50/30, while liability-only coverage costs $1,496 per year for limits of 50/100/50.
- Plymouth Rock Assurance provides the most affordable annual rates for full coverage car insurance in Massachusetts, costing $1,646 per year.
- In Massachusetts, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 93%, and an at-fault accident by up to 61%.
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 Plymouth Rock Assurance offers the most affordable car insurance at $1,646 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.
How much is car insurance in Massachusetts?
In Massachusetts, drivers pay an average of $202 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Massachusetts based on driver profile:
- Teen drivers in Massachusetts pay the most – about $603 a month or $7,232 a year.
- Young drivers in their 20s pay an average of $310 monthly or $3,724 annually, for car insurance.
- Senior drivers pay around $175 monthly or $2,096 a year.
- A speeding ticket can increase your rates to $268 monthly or $3,213 annually.
- An at-fault accident increases car insurance rates to $326 a month or $3,913 a year.
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 25/50/30.
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.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $111 | $1,327 |
| Liability Only – 50/100/50 BI/PD | $125 | $1,496 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $202 | $2,429 |
State minimum car insurance in Massachusetts
Massachusetts laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $30,000 for property damage liability.
In Massachusetts, you can get state minimum car insurance for $1,327 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added 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 $1,496 in Massachusetts for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Massachusetts
On average, premiums for full coverage car insurance in Massachusetts cost $2,429 per year 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
As a result, people living in higher-risk neighborhoods of Massachusetts have to pay more than those living where the risks are lower.
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 ( Full - 100/300/100)
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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, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car 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.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Massachusetts drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $2,389 annually.
Car insurance for drivers aged 16-19 costs $4,843 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 $7,232 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,562 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $2,389 per year in Massachusetts.
- For senior drivers: Drivers age 65 and older can expect to pay $2,096 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 93% as insurers perceive you as a high-risk driver.
If you get caught speeding in Massachusetts, your car insurance rates will increase by 32% 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 32% increase
- DUI conviction: 93% increase
- At-fault accident (bodily injury and property damage): 61% 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, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
High-risk drivers can lower their insurance premiums by comparing price quotes from different insurance companies. Each company offers different prices, so shopping around and finding the best deal that fits your needs is a good idea.
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
Drivers in Massachusetts can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Massachusetts by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Massachusetts and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Plymouth Rock Assurance | $800 | $895 | $1,646 |
| GEICO | $1,240 | $1,400 | $1,841 |
| Progressive | $1,591 | $1,737 | $2,170 |
| N&D Group | $1,133 | $1,167 | $2,329 |
| Amica | $1,103 | $1,276 | $2,404 |
| Safety Insurance | $1,166 | $1,495 | $2,435 |
| Arbella Insurance | $1,501 | $1,675 | $2,693 |
| Travelers | $1,617 | $1,749 | $2,761 |
| Farmers | $1,245 | $1,506 | $2,782 |
| Allstate | $1,892 | $2,124 | $3,361 |
Car insurance rates by city in Massachusetts
Brockton is Massachusetts’s most expensive city for car insurance at an average cost of $3,677 annually. Cambridge is the state’s least expensive city, with an average car insurance rate of $2,645 annually.
Car insurance costs differ from city to city in Massachusetts, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall 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.
How much does car insurance cost in Massachusetts per month?
Car insurance in Massachusetts costs an average of $202 a month for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $111 |
| Liability Only – 50/100/50 BI/PD | $125 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $202 |
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.
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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 25/50/30.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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