Average cost of car insurance in Massachusetts for 2023

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:

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:

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.

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.

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.

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.

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.

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.

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).