Skip to Main Content

Average cost of car insurance in Massachusetts for 2024

Updated May 01, 2024
The yearly average cost of car insurance in Massachusetts is $467 for minimum coverage and $1,667 for full coverage.

How much is car insurance in Massachusetts?

Massachusetts drivers pay, on average, about $1,667 per year for full coverage car insurance, an estimated 28 percent less the national average cost of $2,299 per year. Minimum coverage in Massachusetts is also cheaper at $467 per year, about 27 percent less the national average cost of $637 per year. All rates are from Bankrate’s study of average rates from Quadrant Information Services. Below is a summary of average car insurance rates in Massachusetts for both minimum and full coverage premiums:

Key takeaways

  • The average car insurance cost in Massachusetts is $1,667 for full coverage and $467 for minimum coverage per year.
  • Massachusetts average car insurance rates are lower than the national average of $2,299 for full coverage per year and $637 for minimum coverage.
  • Newton is one of the cheapest cities for the cost of car insurance in Massachusetts, while Lowell is one of the most expensive at $1,782 per year.
  • A speeding ticket in Massachusetts averages a rate increase of about 29 percent more.

Massachusetts car insurance rates by city

How much car insurance is in Massachusetts can vary by city. 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 Haverhill and Lowell are 2 percent more and 4 percent more expensive than the average cost of car insurance in Massachusetts overall. But drivers living in Newton pay around 8 percent less compared to the citywide average Massachusetts car insurance rates. Below are full coverage rates for five cities in the commonwealth and how they compare to the state average:

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

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.

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.

Average car insurance costs by age and gender in Massachusetts

Age and gender are not allowed to be used by insurance companies as a factor in Massachusetts car insurance rates. However, years of driving experience can affect car insurance rates in Massachusetts, which is why the rates in the table below differ by age. As you can see, drivers 20 and under typically pay more for car insurance than drivers over the age of 25. The more experience you have behind the wheel, the less you may pay for car insurance in Massachusetts.

Age 16*
Avg. monthly full coverage premium in Massachusetts
$304
Avg. annual full coverage premium in Massachusetts
$3,647
Age 18
Avg. monthly full coverage premium in Massachusetts
$420
Avg. annual full coverage premium in Massachusetts
$5,044
Age 20
Avg. monthly full coverage premium in Massachusetts
$317
Avg. annual full coverage premium in Massachusetts
$3,802
Age 25
Avg. monthly full coverage premium in Massachusetts
$166
Avg. annual full coverage premium in Massachusetts
$1,994
Age 30
Avg. monthly full coverage premium in Massachusetts
$153
Avg. annual full coverage premium in Massachusetts
$1,832
Age 40
Avg. monthly full coverage premium in Massachusetts
$143
Avg. annual full coverage premium in Massachusetts
$1,711
Age 50
Avg. monthly full coverage premium in Massachusetts
$134
Avg. annual full coverage premium in Massachusetts
$1,614
Age 60
Avg. monthly full coverage premium in Massachusetts
$133
Avg. annual full coverage premium in Massachusetts
$1,592
Age 70
Avg. monthly full coverage premium in Massachusetts
$121
Avg. annual full coverage premium in Massachusetts
$1,457
Age 40
Avg. monthly full coverage premium in Massachusetts
$143
Avg. annual full coverage premium in Massachusetts
$1,711
Age 50
Avg. monthly full coverage premium in Massachusetts
$134
Avg. annual full coverage premium in Massachusetts
$1,614
Age 60
Avg. monthly full coverage premium in Massachusetts
$133
Avg. annual full coverage premium in Massachusetts
$1,592
Age 70
Avg. monthly full coverage premium in Massachusetts
$121
Avg. annual full coverage premium in Massachusetts
$1,457
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Lightbulb

Bankrate’s take: Gender is not used to determine auto insurance rates in Massachusetts due to state regulations. However, in many states men pay marginally higher premiums because they are more likely to be in serious accidents.

Cost considerations for young drivers in Massachusetts

While it can be quite expensive for parents to add a teen to their auto insurance policy, it’s less expensive than a young driver purchasing their own policy. Young people can usually stay on their parents’ policy as long as they are still living at the same address.

Caret Down
Age 16*
Avg. annual premium for drivers in MA
$3,654
Age 17
Avg. annual premium for drivers in MA
$3,431
Age 18
Avg. annual premium for drivers in MA
$3,239
Age 19
Avg. annual premium for drivers in MA
$2,578
Age 20
Avg. annual premium for drivers in MA
$2,485
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 18
Avg. annual premium for drivers in MA
$5,281
Age 19
Avg. annual premium for drivers in MA
$4,046
Age 20
Avg. annual premium for drivers in MA
$3,802
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age Avg. annual premium difference for drivers on their own policy
Age 18 54 percent more
Age 19 48 percent more
Age 20 45 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

How does driving record impact the cost of car insurance in Massachusetts?

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. Though a speeding ticket only averages an increase of about 29 percent more, an at-fault accident could increase your rate by around 60 percent more and a DUI conviction has an average increase of 80 percent more. 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.

The table below shows an estimate of how much each incident could affect the average cost of car insurance in Massachusetts, but your final premium will vary depending on the frequency and severity of incidents, as well as each company’s underwriting methodology.

Clean driving record
Avg. annual premium* in Massachusetts
$1,711
Percentage increase from Massachusetts avg. annual premium*
0%
Avg. annual premium* in Massachusetts
$2,199
Percentage increase from Massachusetts avg. annual premium*
29%
Avg. annual premium* in Massachusetts
$2,735
Percentage increase from Massachusetts avg. annual premium*
60%
Avg. annual premium* in Massachusetts
$3,080
Percentage increase from Massachusetts avg. annual premium*
80%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.

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. For instance, drivers who own a Honda Odyssey or Ford F-150 may pay less for car insurance in Massachusetts than an owner of a BMW 330i or Toyota Prius.

Avg. annual premium* in Massachusetts
$1,711
Avg. annual premium* in Massachusetts
$1,556
Avg. annual premium* in Massachusetts
$1,404
BMW 330i
Avg. annual premium* in Massachusetts
$2,060
Toyota Prius
Avg. annual premium* in Massachusetts
$1,766
*Rates reflect full coverage policies.

Estimate your car insurance cost in Massachusetts

It can be difficult to know if you’re being overcharged for car insurance, which is why Bankrate created the helpful tool below. While the tool won’t give you an exact quote, it can deliver a ballpark estimate. Enter some details about yourself and the tool will tell roughly what you can expect to be quoted by insurers.

Calculate your monthly car insurance payment

Get a quick estimate to make sure you're not overpaying.

Caret DownCaret Up
Please select age
Location-Icon
Lock Secure Your information is secure
Caret DownCaret Up
Please select credit score
Why we're asking
Methodology

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. If you drive less than 12,000 miles, you can usually get cheaper car insurance. Some companies will offer a low mileage rate that is more affordable than the commuter rate. If you work from home or drive well below the national average miles, pay-per-mile car insurance may be an even cheaper alternative.
  • Explore car insurance with telematics. Many car insurance companies now offer supplemental telematics car insurance programs that monitor driving habits through an app or plug-in and 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.

Frequently asked questions

Clock Wait
46
years of industry expertise
Search
122
carriers reviewed
Location
34.5K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed

Methodology 

Bankrate utilizes Quadrant Information Services to analyze the latest rates in May 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, 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 coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.

Incidents: 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.

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).

Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Gender: The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.

Teens: Rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy unless otherwise noted.

Written by
Mandy Sleight
Contributor, Personal Finance

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

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