- 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?
According to CarInsurance.com data, drivers in Massachusetts pay about $202 per month 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 $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
In Massachusetts, the cost of car insurance can vary depending on how much coverage you purchase. Massachusetts drivers need at least the minimum insurance coverage limits of 25/50/30 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Massachusetts. However, they don’t offer much protection.
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.
In the table below, see the car insurance premiums in Massachusetts for three different coverages.
| 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
The average cost of liability-only insurance in Massachusetts is $1,496 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
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 $2,429 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.
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
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
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 $2,389 annually.
Drivers aged 16-19 pay $4,843 more for car insurance than Massachusetts drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,389 annually in Massachusetts.
- For senior drivers: Drivers aged 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
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 93% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Massachusetts, you’ll likely see an increase in your car insurance premium by up to 32% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Massachusetts after driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 93% increase
- At-fault accident (bodily injury and property damage): 61% increase
But even with a traffic ticket, comparison shopping can save you 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.
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 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.
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.
Below are the details of Massachusetts car insurance companies and their 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?
In Massachusetts, a full coverage car insurance policy with 100/300/100 limits typically costs about $202 per month.
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.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Massachusetts.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2026.
- USAA. “How credit affects insurance premiums.” Accessed March 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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