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Average cost of car insurance in Massachusetts for 2023

Updated Feb 02, 2023
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The average cost of car insurance in Massachusetts is $1,296 per year for full coverage and $446 per year for minimum coverage in 2022, according to Bankrate’s study of average rate data from Quadrant Information Services. This amounts to an average monthly cost of $108 per month for full coverage car insurance and $37 per month for minimum coverage policies. While both rates are far below the national average, there are many factors that go into car insurance premiums. Bankrate’s insurance editorial team explores the average cost of car insurance in Massachusetts for a variety of driver profiles and vehicles.

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Key takeaways
  • The average cost of car insurance in Massachusetts is 27% below the national average for full coverage, and 18% below the national average for minimum coverage.
  • While Massachusetts is a cheap state for car insurance, two nearby states are even cheaper on average for full coverage car insurance: Vermont at $1,000 per year and New Hampshire at $1,182 per year.

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How much does car insurance cost in Massachusetts?

Massachusetts drivers pay, on average, about $1,296 per year for full coverage car insurance, which is an estimated 27% below the national average cost of $1,771 per year. Minimum coverage in Massachusetts is also cheaper at $446 per year, which is about 18% below the national average cost of $545 per year. All figures are from Bankrate’s study of 2022 average rates from Quadrant Information Services. Below is a summary of average car insurance rates in Massachusetts for both minimum and full coverage premiums:

AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE ANNUAL FULL COVERAGE PREMIUM
$446 $1,296

Massachusetts car insurance rates by city

Every city in Massachusetts has a different car insurance rate. In addition to each city’s population size and crash statistics, variations in car insurance rates by city can also be attributed to driving patterns, theft and vandalism rates, frequency of claims, cost of vehicle repairs and more. For example, the average cost of car insurance in the cities of Brockton and Lynn are significantly more expensive than the state average and cities like Fall River and Cambridge. Below are full coverage rates for the 10 most populated cities in the commonwealth and how they compare to the state average:

CITY Average annual minimum coverage premium Average annual full coverage premium
Boston $507 $1,555
Brockton $759 $2,019
Cambridge $462 $1,304
Fall River $568 $1,574
Lowell $518 $1,367
Lynn $667 $1,865
New Bedford $563 $1,572
Quincy $499 $1,444
Springfield $675 $1,710
Worcester $556 $1,594

Massachusetts car insurance rates by insurance company

Every car insurance company has its own underwriting method for determining car insurance rates. Rates can even vary within the same ZIP code, which is why it’s recommended to obtain quotes from multiple car insurance companies in Massachusetts to find the best coverage and cost for your needs.

Average Annual Minimum Coverage Premium
$426
Average Annual Full Coverage Premium
$1,473
Average Annual Minimum Coverage Premium
$427
Average Annual Full Coverage Premium
$1,478
Average Annual Minimum Coverage Premium
$460
Average Annual Full Coverage Premium
$1,592
Average Annual Minimum Coverage Premium
$494
Average Annual Full Coverage Premium
$1,110
Average Annual Minimum Coverage Premium
$297
Average Annual Full Coverage Premium
$1,010
Average Annual Minimum Coverage Premium
$348
Average Annual Full Coverage Premium
$904
Average Annual Minimum Coverage Premium
$232
Average Annual Full Coverage Premium
$1,427
Average Annual Minimum Coverage Premium
$728
Average Annual Full Coverage Premium
$2,078
Average Annual Minimum Coverage Premium
$382
Average Annual Full Coverage Premium
$1,206
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Massachusetts car insurance rates by age

The age of a driver can play an important role in determining car insurance costs. Younger drivers are statistically more likely to get into accidents compared to older drivers. As they gain experience, their car insurance cost generally decreases after age 20. Each age demographic has its associated strengths and risks, which are reflected in the average annual premium costs.

Average cost of car insurance for drivers on their parent’s policy

Parents are often prepared for an increase in their car insurance payments once a teen driver is added to their policy. This is because car insurance companies view young drivers as more of a risk due to their lack of experience behind the wheel compared to older drivers. Still, taking advantage of any car insurance discounts for teens that are offered by your carrier may help make the premium more manageable.

Age Average annual premium for full coverage in Massachusetts
Age 16 $3,061
Age 17 $2,852
Age 18 $2,704
Age 19 $2,176
Age 20 $2,016

Average cost of car insurance for drivers on their own policy

In Massachusetts, a young driver on their own policy can typically expect to pay slightly more for car insurance compared to a 30- or 40-year-old driver. With time and more experience behind the wheel, car insurance rates tend to decline. Still, it’s important to keep in mind that the lowest rates are typically offered to drivers with clean driving records, and car insurance rating factors, like a speeding ticket or accident, could impact your rates.

Age Average annual premium for full coverage in Massachusetts
Age 18 $4,577
Age 25 $1,478
Age 30 $1,371
Age 40 $1,296
Age 60 $1,200

Massachusetts car insurance rates by driving record

One of the most critical factors in determining the cost of car insurance is your driving history. Drivers with a moving violation, like a speeding ticket or DUI on their driving record, generally incur a surcharge on their auto insurance policy for at least three years in the commonwealth. The table below shows an estimate of how much each incident could affect the average annual premium in Massachusetts, but the final premium may vary depending on the frequency and severity of incidents, as well as each company’s underwriting methodology.

For drivers with repeat infractions on their record, some car insurance companies may even deny coverage. In these situations, there are carriers that specialize in high-risk auto insurance in Massachusetts.

DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MASSACHUSETTS % INCREASE IN AVERAGE ANNUAL PREMIUM
Clean driving record $1,296 0%
Speeding ticket $1,716 24%
At-fault accidents $2,169 40%
DUI $2,465 47%

Massachusetts car insurance rates by vehicle type

Every vehicle’s make and model has its own build quality and safety features, which every car insurance carrier will review and rate differently. The vehicles below would suit a variety of lifestyles and budgets, and serve as a tool to show how much car insurance can vary depending on a vehicle’s make and model.

VEHICLE AVERAGE ANNUAL FULL COVERAGE PREMIUM
BMW 330i $1,695
Ford F-150 $1,092
Honda Odyssey $1,057
Toyota Prius $1,484

How to save on car insurance in Massachusetts

While car insurance in Massachusetts is more affordable on average compared to many other states, there are still a few ways you may be able to save a little money. Here are some tips that may help you save money on car insurance:

  • Review your annual mileage. Car insurance companies will typically send a request for each of your vehicle’s odometer readings each year to get an idea of how much you drive. If you’ve recently had a lifestyle change, switched jobs or shifted to work from home, the changes can be captured through an odometer reading.
  • Explore car insurance with telematics. Many car insurance companies now offer supplemental telematics car insurance programs that reward drivers based on safe driving habits. This could be a good opportunity to practice safe driving, like maintaining a legal speed and braking slowly, while also earning a discount on your car insurance.
  • Check all discount opportunities. If you’re in a specific profession, part of an organization or are a young driver who’s still in school, there could be a unique discount opportunity available to help you save even more.
  • Shop around with more than one insurance carrier. If you’re in the market for new car insurance in Massachusetts, be sure to request quotes from more than one company. Comparing personalized rates and policy options can help you determine which company will offer you the best rate for your desired coverage.

Estimate your car insurance cost in Massachusetts

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a male and female driver with good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Driving record rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner.

Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base).

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute