Average Car Insurance Cost in Massachusetts (2025)
Drivers in Massachusetts pay an average of $141 per month for car insurance.
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Written byMelanie Lockert
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10+ years writing on personal finance topics
Host of the Mental Health and Wealth podcast
Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Table of contents
Drivers in Massachusetts pay an average monthly rate of $141 for car insurance, which is similar to the national average of $150.
Massachusetts requires drivers to obtain four types of insurance.[1] More cars on the road, higher repair costs, and severe weather all contribute to insurance costs.
As costs for car insurance increase across the board, it’s important to shop around to get the best price. Find out how to get the most competitive car insurance rates in Massachusetts.
Quick Facts
The average monthly cost of minimum-coverage car insurance in Massachusetts is $104, and the average price of a full-coverage policy is $178.
Safeco is the cheapest car insurance company in Massachusetts, with an average rate of $97 per month for liability-only insurance.
Massachusetts drivers pay a yearly average of $2,132 for full-coverage car insurance.
How much is car insurance in Massachusetts?
The average cost of car insurance in Massachusetts is $104 per month for liability-only coverage, according to Insurify data. Full-coverage car insurance, which includes comprehensive and collision coverage, costs more, coming in at an average of $178 per month.
On an annual basis, Massachusetts drivers pay an average of $1,251 for liability insurance and $2,132 for full coverage.
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Average Massachusetts car insurance rates by city
Massachusetts drivers pay different rates for the same coverage. So whether you live in Boston or Andover, Nantucket or Plymouth, your ZIP code affects your insurance rate. If you live in a densely populated city — or one with high crime rates or frequent car accidents — you’ll likely pay more for your car insurance.[2]
The below rates are estimated rates current as of: Tuesday, April 1 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Cambridge | $86 | $119 |
| Boston | $99 | $194 |
| Somerville | $103 | $127 |
| Quincy | $104 | $136 |
| New Bedford | $118 | $196 |
| Worcester | $120 | $228 |
| Lowell | $121 | $172 |
| Brockton | $150 | $254 |
| Fall River | $164 | $184 |
| Springfield | $175 | $211 |
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.
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Car Insurance Requirements in Massachusetts (2025)
Average Massachusetts car insurance rates by age and gender
Aside from your driving record, insurance companies consider your age and gender as part of their underwriting criteria. Younger drivers don’t have the same level of experience as older drivers and tend to have more accidents. Plus, teenage drivers have more risk factors, like not wearing a seat belt, speeding, and driving distracted.[3]
As the chart below shows, a 16-year-old driver pays much more for insurance than a 60-year-old driver. As you age, your rates decrease, and senior drivers have the lowest insurance premiums on average. Historically, men have car accidents more frequently than women, which means males often pay more for car insurance.[4]
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $273 | $487 |
| 18 | $238 | $423 |
| 20 | $152 | $270 |
| 25 | $140 | $249 |
| 30 | $128 | $227 |
| 40 | $118 | $210 |
| 50 | $111 | $199 |
| 60 | $85 | $151 |
| 70+ | $85 | $152 |
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.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $263 | $468 |
| 18 | $228 | $407 |
| 20 | $146 | $260 |
| 25 | $134 | $239 |
| 30 | $123 | $219 |
| 40 | $114 | $202 |
| 50 | $107 | $191 |
| 60 | $81 | $145 |
| 70+ | $81 | $146 |
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.
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Average cost to insure popular vehicles in Massachusetts
Your vehicle’s make and model can also influence how much you pay for car insurance. In Massachusetts, the most popular vehicles include the Toyota RAV4 and the Honda CR-V. These cars may be more in demand due to their safety features and spacious interiors.
The following vehicles are among the bestselling cars in Massachusetts, according to Edmunds, along with their average monthly insurance costs.
Vehicle | Average Monthly Quote |
|---|---|
| Toyota RAV4 | $186 |
| Honda CR-V | $170 |
| Tesla Model Y | $335 |
| Ford F-Series | $190 |
| Subaru Crosstrek | N/A |
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.
How your driving record affects car insurance rates in Massachusetts
Your driving record largely affects how much you pay for car insurance. If you have a clean record, you’ll usually pay lower premiums. Once you have an infraction on your record, your insurance company will likely raise your rates.
If you have an at-fault accident, your insurance premiums will increase by an average of 43%, according to Insurify data. A speeding ticket increases your rates by an average of 34%, and drivers in Massachusetts with a DUI on their record pay an average of 61% more than drivers with a clean record.
The table below shows average rates for drivers in Massachusetts based on the type of infraction and how much they increase compared to drivers with a clean record.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $219 | 43% |
| With speeding ticket | $205 | 34% |
| With DUI | $246 | 61% |
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.
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How to lower your insurance costs in Massachusetts
It can be difficult to find cheap car insurance, but here are some things you can do to lower your insurance costs:
Play it safe
Maintaining a spotless driving record is your best bet for keeping car insurance rates low.
Bundle your coverage
Insurance companies may offer significant savings if you bundle your insurance coverage with one company. If you’re a renter, for example, you can often get a discount if you purchase your renters insurance and car insurance from the same company.
Review discounts
You may qualify for different types of car insurance discounts that can help you lower insurance costs. Some insurance companies offer discounts for being claims-free or taking a defensive driving course. You may also save money if your car has an anti-theft device or safety features.
Pay in full
If you pay your premium in full instead of in monthly installments, you may qualify for a discount.
Compare insurance quotes
Shopping around can help you get a good rate and the best coverage. Consider getting insurance quotes from different insurance companies before your policy renews, and look at consumer reviews to compare insurers.
Raise your deductibles
You can save money by increasing your deductibles. Just make sure you can pay the difference out of pocket if you need to file a claim.
Massachusetts average car insurance cost FAQs
How much you pay for car insurance in Massachusetts depends on multiple factors, like your driving record, gender, age, and more. The additional information below may help answer any remaining questions you have.
The average annual rate for car insurance in Massachusetts is $1,692. Full coverage costs an average of $2,132. Your costs will vary depending on your driving record and other factors.
The cheapest car insurance company in Massachusetts is Safeco, with an average rate of $97 per month for liability coverage.
The average monthly cost for state-minimum liability coverage in Massachusetts is $104, according to Insurify data. Full-coverage insurance costs an average of $178 per month. How much your insurance costs depends on your driving history, ZIP code, gender, and age.
The best auto insurance companies in Massachusetts include Safeco, Liberty Mutual, and Plymouth Rock Assurance. Shop around and compare rates and coverage types to find the best company for your needs.
In Massachusetts, minimum car insurance requirements include the following:
$20,000 per person and $40,000 per accident in bodily injury liability coverage
$8,000 per person/per accident in personal injury protection (PIP) to cover medical expenses
$20,000 per person and $40,000 per accident in bodily injury caused by an uninsured driver
$5,000 per accident in property damage liability coverage
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Mass.gov. "Basics of Auto Insurance."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
- Insurance Institute for Highway Safety. "Fatality Facts 2022 Males and females."
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Melanie Lockert
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.