The cost of car insurance in Massachusetts varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. State Farm offers the cheapest rates at $689 a year for full coverage.
This comprehensive guide to buying car insurance for Massachusetts drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to get a clear idea of how car insurance in Massachusetts works and how much coverage you need.
- State Farm provides the most affordable annual rates for full coverage car insurance in Massachusetts, costing $689 per year.
- In Massachusetts, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Massachusetts costs $511 annually for limits of 20/40/5, while liability-only coverage costs $655 per year for limits of 50/100/50.
- 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 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.
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 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 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
Massachusetts’s car insurance laws require a minimum coverage of $20,000 in bodily injury liability per person, $40,000 in bodily injury liability per accident and $5,000 in property damage liability.
In Massachusetts, you can get state minimum car insurance for $511 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 car insurance requirements to remain legally 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
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
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.
Massachusetts car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Massachusetts by car model
Car insurers in Massachusetts use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars 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 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.
Car insurance for drivers aged 16-19 costs $3,599 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 $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 get caught speeding in Massachusetts, your car insurance rates will increase by 26% 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 26% increase
- DUI conviction: 78% increase
- At-fault accident (bodily injury and property damage): 53% 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, 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.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $1,037 |
| Geico | $1,890 |
| Arbella Insurance | $1,937 |
| USAA | $2,096 |
| Safety Insurance | $2,751 |
| Progressive | $3,072 |
| Travelers | $3,590 |
| Farmers | $3,760 |
| Allstate | $4,439 |
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 their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
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 rates vary by city in Massachusetts for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
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.
The table below shows the average annual car insurance premiums for Massachusetts’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| State Farm | $608 |
| Geico | $1,155 |
| Plymouth Rock Assurance | $1,158 |
| USAA | $1,341 |
| Safety Insurance | $1,366 |
| Arbella Insurance | $1,543 |
| Farmers | $1,804 |
| Progressive | $1,853 |
| Amica | $1,891 |
| Travelers | $2,080 |
| Allstate | $2,657 |
How much does car insurance cost in Massachusetts per month?
The average cost of a full-coverage car insurance policy in Massachusetts costs $144 monthly for coverage 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.
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 | 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
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.
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 March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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