How Much Is Car Insurance in Massachusetts? (2026)
Drivers in Massachusetts pay an average of $1,439 per year for car insurance.
Secure. Free. Easy-to-use.
4.7 / 518K reviews
)
Writer: Jamie JohnsonInsurance and Personal Finance Writer
Writer: Jamie JohnsonInsurance and Personal Finance Writer
Qualifications:
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
)
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
)
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
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.
Quick Facts
The average monthly cost of car insurance in Massachusetts is $120.
State Farm is the cheapest insurer in Massachusetts, with an average liability rate of $50 per month.
Car insurance costs in Massachusetts fell 4.8% during the first half of 2026, and Insurify projects rates to continue to decrease by 3.6% for the rest of the year.
How much is car insurance in Massachusetts?
Massachusetts drivers pay an average monthly rate of $103 for liability coverage and $137 for full-coverage car insurance. These rates fall below the national average and the average of the neighboring state of New York, but are higher than rates in nearby New Hampshire.
Massachusetts has more traffic and congestion than New Hampshire, especially in the Boston area, but it still ranks better than New York, according to an Inrix study.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $103 | $1,235 |
| Full coverage | $137 | $1,643 |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Find Cheap Car Insurance in Massachusetts
Liability quotes start at $50/mo.
Excellent
4.7 out of 5 based on 17,538 reviews
Secure. Free. Easy-to-use.
Minimum car insurance requirements in Massachusetts
Massachusetts requires all drivers to carry at least $25,000 per person in bodily injury liability coverage, $50,000 per accident, and $25,000 in property damage liability coverage. Massachusetts is a no-fault state, so it also requires personal injury protection (PIP) coverage and uninsured motorist (UM) coverage.
You’ll need at least $8,000 in PIP coverage, and $25,000 per person and $50,000 per accident in UM coverage. These coverages will pay for lost wages and medical expenses if another driver is injured in an accident or hit-and-run.[1]
Coverage Type | Massachusetts Minimum Requirement |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $30,000 |
| Personal injury protection (PIP) | $8,000 |
Cheapest car insurance companies in Massachusetts
In general, liability insurance is cheaper than full coverage because it doesn’t include comprehensive and collision coverage. Massachusetts’ average monthly quote for liability insurance is actually higher than the national average. This could be partially because Massachusetts includes PIP and UM coverage in its legal minimums.
The following table shows the cheapest companies for liability-only coverage in Massachusetts.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $50 |
| USAA | $84 |
| GEICO | $85 |
| Safeco | $102 |
| Progressive | $115 |
| Liberty Mutual | $125 |
| Bristol West | $166 |
| Travelers | $193 |
| Embark | $209 |
| Amica | $263 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
Average Massachusetts car insurance rates by city
Cambridge is the cheapest city in Massachusetts for car insurance, according to Insurify data, with an average monthly rate of $99. Brockton is the most expensive, costing an average of $202 per month for coverage.
In Brockton, 7% of drivers have an at-fault accident on their record, compared to 5% of Cambridge drivers, according to Insurify data. A higher accident rate could contribute to higher claims risk and premiums, though insurers consider other factors as well.
The following table compares the average rates across different Massachusetts cities.
The below rates in Massachusetts are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Cambridge | $79 | $119 |
| Boston | $92 | $124 |
| Somerville | $99 | $118 |
| Quincy | $102 | $137 |
| Lowell | $108 | $140 |
| Worcester | $117 | $181 |
| New Bedford | $118 | $158 |
| Fall River | $121 | $180 |
| Springfield | $138 | $174 |
| Brockton | $173 | $231 |
Disclaimer: Table data sourced from real-time Massachusetts car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Massachusetts may vary based on the policy buyer's unique driver profile.
Average Massachusetts car insurance rates by age
Age is one of the biggest factors affecting car insurance rates because insurance companies know that less-experienced drivers are more likely to be involved in car accidents.[2] In Massachusetts, teen drivers pay an average of $177 per month for liability coverage and $235 for full coverage.
These rates begin to steadily drop as drivers age, with adults in their 40s paying $103 for liability coverage and $137 for full coverage, and senior drivers paying $86 and $114, respectively.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $177 | $235 |
| Adults (40s) | $103 | $137 |
| Seniors | $86 | $114 |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Massachusetts
Your driving history helps insurers predict your likelihood of filing a claim. If you have an incident on your record, your insurer may classify you as a high-risk driver.
Massachusetts drivers with clean records pay an average of $121 per month, while having a speeding ticket raises rates by an average of 33% to $161. An accident increases the average by 19%, and an operating under the influence conviction (OUI) produces the highest increase at 60%.
In Massachusetts, Insurify data shows that 3% of drivers have a speeding ticket, 7% have an at-fault accident, and 0.5% have an OUI on their record. Maintaining a clean driving history can help you qualify for lower insurance premiums.
Driving Record | Average Monthly Quote in MA | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $121 | N/A |
| With speeding ticket | $161 | 33% |
| With accident | $144 | 19% |
| With OUI | $194 | 60% |
Disclaimer: Table data is based on real-time Massachusetts quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Massachusetts?
Here are some of the biggest factors affecting car insurance rates in Massachusetts:
Credit restrictions: Massachusetts prevents insurers from considering credit information to calculate auto insurance rates, so a poor credit history won’t increase a driver’s premium.[3]
Required coverage: Massachusetts is a no-fault state and requires PIP coverage in addition to bodily injury, property damage, and UM coverage. These additional requirements can make your minimum coverage more expensive.
Severe weather: Massachusetts experiences severe weather events, including winter storms, flooding, and tropical storms, which can potentially increase comprehensive and collision claims.
Driving record: The Safe Driver Insurance Plan (SDIP) sets specific credits and surcharges insurers can apply to your premium for traffic violations.[4] That means high-risk drivers will end up paying more for an insurance policy.
Shop for Car Insurance in Massachusetts
Save up to $1,100 per year on coverage
Excellent
4.7 out of 5 based on 17,538 reviews
Secure. Free. Easy-to-use.
How Massachusetts car insurance rates have changed over the past five years
Car insurance rates steadily increased across the country from 2021 to the end of 2024, before dropping in 2025. Massachusetts saw its average rates drop 5% during the first half of 2026, and Insurify expects rates to decrease by another 3.6% by the end of the year.
Extreme weather events are occurring more frequently in Massachusetts, which could contribute to higher insurance costs.[5]
See more
To find car insurance rates in Massachusetts and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Massachusetts
Here are steps you can take to lower your auto insurance costs in Massachusetts:
Compare regional insurers. Request quotes from regional companies, like Plymouth Rock, Arbella, Amica, and Safety Insurance, along with national insurers. Local insurers may price risks differently and have lower overhead costs.
Maintain a clean driving record. Massachusetts insurance companies may use the SDIP or their own merit rating plan. If your insurers use the SDIP, you’ll receive incentives for maintaining a clean driving record.
Look for discounts. Most insurers offer discounts for bundling your auto and home insurance, having vehicle safety features, and safe driving.
Massachusetts average car insurance cost FAQs
Understanding the different factors that affect Massachusetts’ average premiums can help you compare insurers and find the right car insurance coverage.
How much does car insurance cost per month in Massachusetts?
Massachusetts drivers pay an average monthly rate of $120 for car insurance. But your exact premiums will vary depending on your coverage amount, deductible, and driving history.
Why is car insurance so high in Massachusetts?
Severe weather, higher minimum coverage requirements, and population density all affect car insurance rates in Massachusetts. But its average rates still fall below the national average, making the state fairly affordable overall when it comes to car insurance.
What insurer has the cheapest auto insurance in Massachusetts?
State Farm is the cheapest insurance company in Massachusetts, with liability policies averaging $50 per month. Insurers calculate risk differently, so it’s still important to compare multiple quotes to find the best coverage and cheapest rates.
Is car insurance cheaper in Massachusetts or Connecticut?
Car insurance is cheaper in Massachusetts than in Connecticut. Massachusetts drivers pay an average monthly rate of $120 for car insurance, and Connecticut drivers pay $193.
Sources
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Related articles
)
Best Car Insurance in Massachusetts
Travelers Insurance, Liberty Mutual, and Midvale Home & Auto are among the best auto insurance companies in Massachusetts.
)
Gap Insurance in Massachusetts
If your car sustains severe damage and is a total loss, gap insurance can step in to protect your finances.
)
Car Insurance for High-Risk Drivers in Massachusetts
The cheapest auto insurer for Massachusetts high-risk drivers is USAA, with an average monthly liability premium of $104.
)
Rideshare Insurance in Massachusetts
You must get rideshare insurance in Massachusetts with specific coverage limits to drive for Uber or Lyft.
)
Car Insurance Requirements in Massachusetts
Massachusetts drivers need to purchase a minimum amount of bodily injury liability, property damage liability, personal injury protection, and uninsured motorist coverage.
)
Cheap SR-22 Insurance in Massachusetts
If you have a suspended license, you might need to file an SR-22 form to get back on the road.
)
Massachusetts Windshield Replacement Guide
Massachusetts doesn’t require windshield coverage. But if you have comprehensive insurance, you can add an optional lower glass deductible to your policy.
Cheap Car Insurance for Low-Income Drivers in Massachusetts
State Farm has the cheapest liability car insurance in Massachusetts, with an average rate of $50 per month.
Cheap Full-Coverage Car Insurance in Massachusetts
Massachusetts drivers can find the cheapest full-coverage car insurance from State Farm, with an average rate of $71 per month.
Massachusetts Car Insurance Laws
You must carry four types of coverage in Massachusetts. Driving uninsured can result in fines, a license suspension, and even jail time.
Cheapest Car Insurance Quotes in Massachusetts
The cheapest car insurance company in Massachusetts is State Farm, with an average monthly rate of $50 for liability-only coverage. Shop real-time quotes for Massachusetts and buy your policy all in one place with Insurify.
)
Cheapest Auto Insurance in Boston, Massachusetts
State Farm offers the cheapest car insurance in Boston, with minimum-coverage policies as low as $45 per month.
)
Cheap Car Insurance Quotes in Brockton, Massachusetts (October 2026)
State Farm offers the best car insurance prices for Brockton drivers, averaging $84 per month for a liability policy. High rates of auto theft and vehicle accidents make Brockton one of Massachusetts’ most expensive cities for car insurance.
)
Cheapest Auto Insurance in Cambridge, Massachusetts
With monthly liability-only rates as low as $51, Midvale Home & Auto is the cheapest car insurance company in Cambridge.
)
Cheapest Auto Insurance in Fall River, Massachusetts
State Farm offers the cheapest car insurance in Fall River, with minimum-coverage policies as low as $63 per month.
)
Cheap Car Insurance Quotes in Lowell, Massachusetts (October 2026)
Lowell drivers often find the cheapest rates with State Farm, with liability policies averaging $52 per month. The city’s midsize population and flood risk may contribute to above-average costs.
)
Best Cheap Auto Insurance in New Bedford, Massachusetts
Full coverage is relatively expensive in New Bedford. Finding the right car insurance company can save you hundreds of dollars each year on your policy.
)
Cheapest Auto Insurance in Quincy, Massachusetts
State Farm has the cheapest car insurance in Quincy, with a liability insurance rate of $50 per month.
)
Cheapest Auto Insurance in Somerville, Massachusetts
With a monthly liability-only rate of $45, State Farm is the cheapest car insurance company in Somerville.
)
Best Cheap Auto Insurance in Springfield, Massachusetts
GEICO has some of the cheapest car insurance in Springfield, but your exact premium will depend on a variety of personal factors.
)
Best Cheap Auto Insurance in Worcester, Massachusetts
Drivers in Worcester pay 19% less for car insurance than the national average.
Writer: Jamie JohnsonInsurance and Personal Finance Writer
Writer: Jamie JohnsonInsurance and Personal Finance Writer
Qualifications:
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Reviewer: John LeachLicensed P&C Agent, Chief Copy Editor
Qualifications:
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.