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Average cost of car insurance in Massachusetts for 2022
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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.
Massachusetts’ average rates are well below what many other drivers pay for auto insurance across the nation. The national average cost of car insurance is $1,771 per year for full coverage and $565 for minimum coverage.
How much is car insurance in Massachusetts?
Among the many factors used to determine car insurance rates, geographic location and coverage selection have a sizable impact. Every Massachusetts city has a different population size, which can also affect their crash statistics. Areas with more traffic and accident occurrences also tend to have more expensive car insurance rates.
Coverage selection is also an important component of car insurance rates. While having the state minimum liability requirements for car insurance can seem like enough to avoid legal penalties, higher liability coverages, along with add-ons like comprehensive and collision, will give greater protection according to insurance industry experts. While it may be more expensive than minimum coverage insurance, it is still possible to find cheap car insurance with full coverage while staying on a budget.
Average cost of car insurance in Massachusetts
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|
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. 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 PREMIUM FOR FULL COVERAGE||% DIFFERENCE FROM STATE AVERAGE ANNUAL PREMIUM|
Massachusetts car insurance rates by 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.
|CAR INSURANCE COMPANY||AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM||AVERAGE ANNUAL PREMIUM FOR FULL COVERAGE|
|Norfolk & Dedham||$399||$1,175|
Cost of living in Massachusetts and car insurance
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.
|AGE||AVERAGE ANNUAL FULL COVERAGE PREMIUM IN MASSACHUSETTS|
*16-year-old rate reflects the additional cost to add the teen on their parent’s policy; 18- and 20-year-old sample rates are renters.
Massachusetts car insurance rates by gender
Car insurance rates typically vary by gender, but Massachusetts regulations ban insurers from using this as a rating factor. So, if all other factors are equal, men and women should pay about the same rates for car insurance in the commonwealth.
Massachusetts car insurance by credit score
Credit scores are another rating factor that has been banned in Massachusetts. A credit-based insurance score is typically used by insurers in other states, but in Massachusetts, a good or bad insurance score should have no impact on your car insurance premium.
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%|
Massachusetts car insurance rates by vehicle type
Frequently asked questions
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, single DUI conviction and lapse in coverage.
Age rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied.