Average Car Insurance Cost in Massachusetts (2024)

Drivers in Massachusetts pay an average of $238 a month for full-coverage car insurance.

Kevin Payne
Written byKevin Payne
Kevin Payne
Kevin Payne
  • 5+ years writing insurance, travel, and personal finance content

  • Founder of FamilyMoney Adventure blog

Kevin is a seasoned writer who leverages his love of budgeting and all things personal finance to create informative, thoroughly researched insurance and money content.

Featured in

media logomedia logomedia logo
Ashley Cox
Edited byAshley Cox
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Jacob Gee
Reviewed byJacob Gee
Jacob Gee
Jacob GeeDigital Insurance Agent

Jacob Gee is a member of Insurify’s agent team, with more than six years of experience in auto, home, and life insurance. Prior to joining Insurify, he was a senior sales representative for Amica Insurance, where he evaluated new business applications, provided data insight for underwriting decisions, and trained new representatives. His career also encompasses work with the Lear Corporation, and Hilton and Omni Hotels.

Updated October 29, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in Massachusetts

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $142/mo for full coverage in Massachusetts.

*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Massachusetts within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Most states require drivers to carry at least one type of car insurance — minimum liability coverage. But Massachusetts requires four types of insurance, which is likely one reason drivers in the Bay State pay more for car insurance than the national average.

The total average cost of car insurance in Massachusetts is $176 per month, according to Insurify data, compared to the national average of $158 per month. Your Massachusetts auto insurance costs can vary depending on several factors, including your driving record, city of residence, vehicle, age, and more.

Quick Facts
  • On average, Massachusetts drivers pay less for car insurance than the national average.

  • Safeco offers the cheapest car insurance in Massachusetts.

  • Liability car insurance in Massachusetts is as cheap as $85 per month.

What’s the average cost of car insurance in Massachusetts?

The average cost of full-coverage auto insurance in Massachusetts is $238 per month, based on Insurify data. Liability-only coverage costs $115 per month, on average.

If you live and drive in Massachusetts, the state requires you to carry four types of compulsory auto insurance coverage. Insurance costs vary depending on where you live within the state, the type of vehicle you drive, and other factors.

Find Massachusetts Car Insurance

Liability-only rates start at $85/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Average Massachusetts car insurance rates by city

Insurance providers consider where you live when setting car insurance rates.[1] More populous areas, like big cities, and areas with higher traffic-crime rates generally have higher insurance costs because of the added risks of accidents and theft. 

For example, the table below illustrates how population can affect car insurance costs. Boston’s population is more than five times the population of Lowell, so drivers in the state capital pay about 24% more for car insurance than Lowell residents do. 

City
Average Monthly Quote: Full Coverage
Boston$230
Lowell$181
Springfield$188
Worcester$198
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Massachusetts car insurance rates by insurance company

Not only does your specific situation dictate insurance costs, but so does the insurer. Insurance companies carry their own underwriting requirements and other criteria when setting rates. Car insurance rates vary greatly between insurance companies within Massachusetts.

Below is a snapshot of auto insurance costs in Massachusetts from various car insurance companies. Travelers offers the lowest monthly quotes for both full-coverage and liability-only car insurance, based on Insurify data.

The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Full Coverage
Liability Coverage
Safeco$157$85
Liberty Mutual$271$133
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Massachusetts car insurance rates by age

A driver’s age can affect car insurance costs. Insurance for newer drivers, like teens and young adults under 25, generally costs more than for older, more experienced drivers because younger drivers have a statistically greater risk of getting into accidents.[2]

The following table illustrates how age affects car insurance costs for Massachusetts drivers. For example, teenagers generally pay about 96% more for car insurance than drivers in their 30s. 

Age
Average Monthly Quote
Teenagers$386
Under 25$252
25–29$185
30s$135
40s$127
50s$105
60s$94
70s$93
80+$101
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Massachusetts car insurance rates by gender

In Massachusetts, insurance companies are prohibited from considering certain identifying factors when underwriting policies, including the gender of the insured customer.[3] That doesn’t mean, though, that you’ll pay the same rates regardless of gender.

“Males typically pay higher premiums than females, especially for younger drivers,” says Timothy Derham, CEO of Universal Casualty Risk Retention Group.

Women drivers pay, on average, about 6% less for full-coverage and liability-only insurance than men do. 

Cheapest recent rates in Massachusetts

Drivers using Insurify have found quotes as cheap as $56/mo for liability only and $142/mo for full coverage in Massachusetts.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on October 29, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 29, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Average Massachusetts car insurance rates by marital status

Similar to gender, Massachusetts prohibits insurance providers from factoring your marital status into underwriting decisions for car insurance policies.[3] Still, insurance costs can vary depending on your marital status.

“Married individuals may receive lower rates due to lower risk perception,” says Derham.

Married drivers might be more likely to insure multiple vehicles under the same policy, which could score them a discount. In Massachusetts, single drivers pay an average of $192 per month for full coverage and $152 for liability only, while married drivers pay $151 and $102, respectively, for the same policy types.

Average Massachusetts car insurance rates by driving record

Having a clean driving record could mean savings when it comes to car insurance. On the flip side, having negative marks on your driving record could mean paying higher car insurance premiums because of the added risk assumed by insurers.

Here’s a breakdown of the average car insurance rates in Massachusetts based on driving records. It’s worth noting that drivers with a clean record pay about 36% less for full coverage than drivers with an accident on their record, and 66% less than those with a DUI.

Quote Price by Driving Record

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average Massachusetts car insurance rates by credit score

In some states, insurance companies may consider your credit when setting auto insurance rates. Insurers look at credit-based insurance scores to predict a driver’s insurance loss potential. Drivers with lower scores are generally more likely to file insurance claims, so insurers might charge them a higher premium as a result.[4] However, Massachusetts prohibits insurers from using credit scores to determine auto rates.[3]

Still, Massachusetts drivers with poor credit typically pay about 67% more for full-coverage car insurance than drivers with excellent credit, Insurify data shows.

Massachusetts minimum car insurance requirements

Massachusetts requires all drivers to carry insurance on vehicles registered in the state, including these four coverages:[5]

illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

Bodily injury to others

Drivers must carry a minimum of $20,000 per person and $40,000 per accident for bodily injury. This coverage protects you from legal liability if you accidentally injure or cause the death of another individual while driving. It doesn’t cover passengers in your vehicle or accidents that occur out of state.

illustration card https://a.storyblok.com/f/162273/x/e30eeeebc5/personal-injury-protection.svg

Personal injury protection (PIP)

Massachusetts requires drivers to carry $8,000 per person, per accident for PIP. This insurance covers medical expenses for you and your passengers incurred as a result of an accident. It also pays for lost wages and other covered expenses up to the policy limit.

illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

Bodily injury caused by uninsured auto

Drivers must have $20,000 per person and $40,000 per accident for uninsured auto coverage. This protects drivers against losses caused by an uninsured or unidentified driver.

illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

Property damage

Massachusetts requires property damage coverage of $5,000 per accident. Property damage coverage pays for damages to another person’s vehicle or property if you’re at fault for an accident.

Find Massachusetts Car Insurance

Unlock savings and discounts when you compare rates through Insurify

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Massachusetts car insurance FAQs

Here are answers to some commonly asked questions about Massachusetts car insurance.

  • What is the average cost of car insurance in Massachusetts?

    The average monthly car insurance premium in Massachusetts is $186 for full coverage and $149 for liability-only coverage. The exact quote you receive will depend on a variety of factors.

  • What factors affect car insurance costs in Massachusetts?

    Insurance companies consider several factors when setting car insurance rates, including the vehicle you drive, where you live, your driving record, age, coverage type, credit score, and vehicle usage.

  • Do car insurance rates vary by county in Massachusetts?

    Yes, your location can affect car insurance rates. Heavily populated areas or areas with higher traffic rates often carry higher insurance costs because the chances of getting in an accident are higher. Urban areas with higher crime rates can also carry higher insurance rates. Less-populated rural areas with less traffic tend to have lower insurance rates.

  • What are the best auto insurance companies in Massachusetts?

    The best insurance companies depend on your insurance needs. Insurance companies with the lowest coverage costs in Massachusetts include Travelers, Amica Mutual, and Midvale Home & Auto.

  • Is car insurance required in Massachusetts?

    Yes. Massachusetts requires four types of compulsory auto insurance coverage when registering a vehicle within the state: bodily injury to others, personal injury protection, bodily injury caused by uninsured auto, and property damage.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  3. Massachusetts.gov. "Basics of Auto Insurance."
  4. Insurance Information Institute. "Background on: Credit scoring."
  5. Massachusetts.gov. "Understanding Auto Insurance."
Kevin Payne
Kevin Payne

Kevin Payne is a freelance writer and family travel and budget enthusiast behind FamilyMoneyAdventure.com. His work has been featured in Forbes Advisor, CreditCards.com, Bankrate, SlickDeals, Finance Buzz, The Ascent, Student Loan Planner, and more. Kevin lives in Cleveland, Ohio with his wife and four teenagers.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

Featured in

media logomedia logomedia logomedia logo
Jacob Gee
Reviewed byJacob GeeDigital Insurance Agent
Jacob Gee
Jacob GeeDigital Insurance Agent

Jacob Gee is a member of Insurify’s agent team, with more than six years of experience in auto, home, and life insurance. Prior to joining Insurify, he was a senior sales representative for Amica Insurance, where he evaluated new business applications, provided data insight for underwriting decisions, and trained new representatives. His career also encompasses work with the Lear Corporation, and Hilton and Omni Hotels.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all