Average cost of car insurance in Massachusetts in 2023

How much is car insurance in Massachusetts? 

Massachusetts drivers pay, on average, about $1,262 per year for full coverage car insurance, an estimated 37 percent below the national average cost of $2,014 per year. Minimum coverage in Massachusetts is also cheaper at $429 per year, about 31 percent below the national average cost of $622 per year. All rates are from Bankrate’s study of 2023 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

How much car insurance costs 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 8 percent and 10 percent more expensive than the average cost of car insurance in Massachusetts overall. But living in Newton could save drivers around 4 percent over the average Massachusetts car insurance rates. Below are full coverage rates for five 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.

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 32 percent, an at-fault accident could increase your rate by around 68 percent and a DUI conviction has an average increase of 90 percent. 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.

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.

Car insurance rates in Massachusetts by credit score

Although most states in the country factor credit score into car insurance rates, Massachusetts is not one of them. California, Hawaii and Michigan are the other states that do not use credit scores for rating purposes. This can be good news for drivers with average or poor credit, though drivers with excellent credit will not reap any benefit from their credit score on car insurance rates in Massachusetts.

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