Average cost of car insurance in Massachusetts for 2025

How much is car insurance in Massachusetts?

Car insurance premiums have risen across the country, and Massachusetts is no exception. Drivers in the state pay an average of $2,061 for full coverage and $525 for minimum coverage per year. While that’s still below the national averages of $2,692 and $808, respectively, you might wonder how you can save on car insurance. Bankrate’s insurance editorial team covers the ins and outs of what determines your insurance premium and offers strategies you might use to save on the coverage you need.

Key takeaways

• The average car insurance cost in Massachusetts is $2,061 for full coverage and $525 for minimum coverage per year.
• Massachusetts average car insurance rates are lower than the national average of $2,692 per year for full coverage and $808 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 $2,042 per year.
• A speeding ticket in Massachusetts averages a rate increase of about 28 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 and crash statistics, variations in rates by city can also be attributed to driving patterns, theft and vandalism rates, claim frequency, repair costs and more. Below are full coverage rates for several cities in the commonwealth and how they compare to the state average.

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.

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.

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

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 process.

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 tables below show how much car insurance can vary depending on a vehicle’s make and model.

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 to find out roughly what you can expect to be quoted by insurers.

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:

• 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.
• Review your coverage needs. If it’s been a while since you took out your policy, your insurance needs might have changed. For example, maybe you have an older, paid-off car that no longer needs full coverage. Or maybe you have extras you could do without like roadside assistance. An agent can help walk you through your policy and assess your true coverage needs. 
• Explore car insurance with telematics. Many car insurance companies now offer telematics programs that monitor driving habits through an app or plug-in device and reward drivers for 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. Be aware that some providers reserve the right to raise your premium if the telematics program finds unsafe driving habits.
• Increase your deductibles. By raising your deductible, you take on more financial responsibility in the event of a claim, so your insurance provider might reduce your premium. However, if you adjust your deductible, be sure it remains an amount you can easily afford to pay if needed.
• Check for discount opportunities. If you’re in a specific profession, part of an organization or are a young driver still in school, you might qualify for discounted rates. Ask an agent about discounts for which you might qualify when gathering quotes from new providers or preparing to renew your policy with your current insurer.
• Bundle your insurance. If you need both car insurance and home or renters insurance, consider purchasing them from the same company. A multi-policy discount can typically shave a decent amount off your premium each year. 
• Shop around. If you’re looking for a new policy or it’s been a while since you originally purchased insurance, you may want to request quotes from several insurance companies. Insurers price policies differently, so you might pay more for the same coverage with one company versus another. Be sure to specify the same coverage types and policy limits for each quote so it’s easier to compare them.

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