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.
This guide makes buying car insurance in Massachusetts easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to learn how auto insurance in Massachusetts works and how much insurance 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 are influenced by various factors, including coverage limits, age, location, make/model of your vehicle and your driving history.
- 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.
- 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?
In Massachusetts, drivers pay an average of $144 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal 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.
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 | 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.
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 car insurance requirements to remain legally compliant.
Liability-only car insurance in Massachusetts
The average cost of liability-only insurance in Massachusetts is $655 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
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.
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.
As a result, people living in higher-risk neighborhoods of Massachusetts have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Massachusetts car insurance rates by ZIP Code
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 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
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Massachusetts, a DUI conviction lead to increased rates and you may see a rate hike of up to 78% as insurers categorize you as a high-risk 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.
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 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.
| 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
Average car insurance cost in different states of U.S.
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 |
|---|---|---|---|
| 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.
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.
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.
| 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?
In Massachusetts, a full coverage car insurance policy with 100/300/100 limits typically costs about $144 per month.
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.
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 | 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
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 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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