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Massachusetts Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Massachusetts?

On average, car insurance rates for drivers in Massachusetts are $168 per month, and $2021 per year. The average rates make Massachusetts the 37th most expensive state in the country for car insurance rates and 32% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $16850%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Massachusetts Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Massachusetts and has selected the following providers and quotes as the best rates for drivers in Massachusetts.

Cheapest CompaniesQuotes
Allstate$74
GEICO$89
Liberty Mutual$157
Travelers$166

Massachusetts Car Insurance Rates by City

For drivers in Massachusetts, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Massachusetts.

CityAvg. Monthly Rate
Boston$159
Brockton$209
Cambridge$138
Dorchester$234
Malden$208
New Bedford$165
Quincy$160
Somerville$136
Springfield$166
Worcester$169

What Is the Average Cost of Car Insurance in Massachusetts by Age?

An enterprising Massachusetts teenager could scrounge up enough money to pay their car insurance bill and still have a little spending money left over at $337 per month. Twentysomethings see the price drop $100 as they gain experience behind the wheel and are therefore less risky to insure.

In your 30s, you see another substantial price drop on average car insurance costs, and then it's smooth sailing until past retirement age. In the Bay State, drivers in their 70s get the best deal. Drivers in their 80s see that price go back up, but it's still about $60 less than the state average.

AgeAvg. Monthly Rate
Teens$337
20s$222
30s$133
40s$119
50s$110
60s$97
70s$94
>80s$104

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What Is the Average Cost of Car Insurance in Massachusetts by Gender?

Men pay four percent more than women for car insurance in the Bay State. Even though the state bans the use of gender as a factor in insurance prices, men’s tendency to drive bigger, more expensive vehicles leads to higher insurance costs on average.

GenderAvg. Monthly Rate
Male$172
Female$165

Does Marital Status Influence the Average Cost of Car Insurance in Massachusetts?

In Massachusetts, married couples save an average of around $35 per month over singletons, a total of almost $410 per year. Who knew car insurance could be so romantic?

Marital StatusAvg. Monthly Rate
Married$143
Single$177

What Are the Minimum Car Insurance Requirements in Massachusetts?

Massachusetts is a no-fault state, which means drivers file with their own insurance company after an accident. State law says you must have $20,000 in bodily injury liability per person and $40,000 per accident, $5,000 in property damage liability per accident, $8,000 in personal injury protection (PIP) per person per accident, $20,000 in uninsured motorist bodily per person, and $40,000 in underinsured motorist bodily per accident. To cover your car itself, buy comprehensive and collision coverage.

massachusetts

How Does Credit History Affect Massachusetts Car Insurance Rates?

Massachusetts is one of a handful of states that prevents insurance companies from using credit as a rating factor.

But if you look at the table, you'll notice differences in monthly car insurance costs between folks with different credit histories. What causes that difference? People with excellent credit may pay more because they can finance more expensive cars than those with worse credit. Other differences may have more to do with location than credit itself, as those with good credit may live in relatively less populated areas.

Credit HistoryAvg. Monthly Rate
Poor$166
Average$157
Good$135
Excellent$179

What Is the Average Cost of Car Insurance in Massachusetts for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Massachusetts should expect a marginal increase to their monthly rate—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $4. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$166
At-Fault Accident$170
Speeding$155

Tips for Researching Massachusetts Car Insurance Rates

Massachusetts prices and premiums vary based on location, company, and vehicle. In 2018, Massachusetts was the fastest-growing state in the Northeast, but will prices go up along with the population? Bay Staters can only hope that's not the case.
Even amid all the growth, there's one way to keep your price down: try Insurify ’s comparison tool. You can get 10+ real quotes and unlock savings and discounts. In less than two minutes, you could find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

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Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Massachusetts Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Massachusetts. Insurify analyzed the latest data for the five most populous cities in Massachusetts to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Massachusetts and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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