Massachusetts drivers pay an average of $1,193 per year for full coverage car insurance and $526 for minimum coverage. These rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Massachusetts
In Massachusetts, drivers pay an average of $99 monthly for full coverage car insurance, while minimum coverage costs around $44 per month.
Discover affordable Massachusetts car insurance below.

Updated: August 19, 2025
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Key Takeaways
Massachusetts car insurance costs range from $526 to $3,736 per year depending on your driver profile, coverage, and location.
With rankings of 14th for minimum coverage and 14th for full coverage, Massachusetts offers some of the most budget-friendly car insurance rates in the nation.
To secure the cheapest car insurance in Massachusetts, start by deciding your coverage requirements, then research various companies before comparing quotes extensively.
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Average Car Insurance Cost In Massachusetts
Full Coverage | $99 | $1,193 |
Minimum Coverage | $44 | $526 |
*Rates are for a 40-year-old driver with good credit and no driving violations who is insuring a 2012 Toyota Camry LE. Minimum coverage represents the minimum required liability coverage in the state while full coverage is representative of a 100/300/100 liability policy with a $1,000 deductible for comprehensive and collision coverage.
Average Massachusetts Car Insurance Cost By Category
Your individual characteristics, geographic location and vehicle choice all play major roles in determining car insurance costs. Here are average rates for different driver profiles.
Young Drivers | $96 | $218 |
Adult Drivers | $44 | $97 |
Senior Drivers | $46 | $100 |
Drivers With An Accident | $70 | $154 |
Drivers With A DUI | $85 | $184 |
Drivers With A Speeding Ticket | $53 | $121 |
Drivers With Bad Credit | $89 | $197 |
Drivers With Low Income | $57 | $126 |
Drivers With Newer Cars | $57 | $131 |
Drivers With Old Cars | $45 | $101 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that violation.
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Personalized Average Massachusetts Car Insurance Costs
These general driver categories may not match your situation. Our filterable table shows you exact costs based on your personal details for more accurate rates.
100/300/100 Full Cov. w/$1,000 Ded. | 268 | 3211 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Massachusetts Car Insurance Cost By City
Where you live in Massachusetts makes a big difference in your car insurance costs. Annual rates for full coverage range from $368 in Northfield to $2,702 in Roxbury Crossing. Below you can compare both full and minimum coverage rates for your city and all other residential areas in the state.
Full Coverage | $105 | $1,259 |
Minimum Coverage | $47 | $560 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by state law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Massachusetts Car Insurance Expensive?
Massachusetts ranks 14th for both minimum and full coverage affordability, making it one of the more affordable states for car insurance. Your actual costs may vary based on your specific city.
Why Is Car Insurance More Expensive In Massachusetts?
Here's what affects Massachusetts car insurance costs:
Strict Regulatory Rating Restrictions
Massachusetts prohibits insurance companies from using age (except for drivers 65 and older), gender, marital status, credit history, education, occupation, and income when setting rates. This makes Massachusetts one of only six states to remove gender as a rating factor. The restrictions mean rates are more uniform across demographics, with greater emphasis on driving record and coverage choices rather than personal characteristics.
Soaring Premium Increases
Auto insurance rates in Massachusetts have soared by almost 38% since early 2022, climbing at more than double the pace of consumer inflation. In 2023, the seven largest insurers increased rates by an average of more than 12% — the highest one-year increase since at least 2015. Some drivers report rate increases of up to 60% in 2024.
Mandatory Coverage Limit Increases
Starting July 1, 2025, Massachusetts increased minimum coverage limits for the first time since 1988. Bodily injury coverage rose from $20,000/$40,000 to $25,000/$50,000, while property damage coverage jumped from $5,000 to $30,000. The changes could increase average minimum coverage rates substantially.
Climate-Related Claims
Climate change is driving up auto insurance premiums through coverage for weather-damaged cars, including flooding and hail damage. Massachusetts sees its share of winter weather and storms, which can increase comprehensive coverage costs and winter accident frequency. Weather-related comprehensive coverage is optional in Massachusetts, making it more expensive when purchased.
Complex Merit Rating System
Massachusetts uses the Safe Driver Insurance Plan or allows insurers to develop their own merit rating plans to adjust premiums based on driving records. For experienced drivers, each surcharge point represents a 15% increase in compulsory coverages and collision coverage. Companies can't base premiums on accidents older than six years or tickets older than five years.
Post-Pandemic Driving Patterns
During the pandemic, fewer people driving led to safer roads and lower premiums. With the pandemic behind us, drivers have returned to the roads in big numbers, leading to more accidents and higher rates. The rapid rate increases since 2022 contrast sharply with the previous three-year period, when rates increased by only 8% due to pandemic-era reductions in accidents.
Managed Competition System
Massachusetts switched from state-set rates to a "managed competition" system in 2008, allowing insurers to follow their own actuarial computations while the Division of Insurance ensures marketplace competition and insurer solvency. This system brought major insurers like GEICO and Progressive into the state but also allowed for more dramatic rate increases when market conditions changed.
How To Lower Car Insurance Costs In Massachusetts
Want to cut your car insurance costs? Here's how to lower your rates:
- 1
Decide on coverage needs beforehand
Decide on your coverage needs before shopping so you aren't oversold on coverage you don't need. Consider your budget, driving habits, car value, and risk tolerance.
- 2
Research costs and discounts
Know the average costs for your profile and coverage level to spot good deals. Research car insurance discounts you qualify for and check home and auto insurance bundles for additional savings.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to narrow down which companies to compare. Use industry studies, review forums, and public forums like Reddit for research.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies side by side to find the best deal. Use different methods like online comparison sites and independent agents since pricing varies by method.
Cost of Car Insurance in Massachusetts: Bottom Line
Massachusetts car insurance costs are among the most affordable in the United States. Decide on your coverage needs first, research companies thoroughly, and compare quotes from multiple insurers to get the best rates.
Cost of Car Insurance in Massachusetts: FAQ
Below are answers to frequently asked questions about Massachusetts car insurance costs:
How much is Massachusetts car insurance per month?
Massachusetts car insurance costs $44 monthly for minimum coverage and $99 for full coverage. Rates range from $44 to $218 monthly depending on your driver profile and coverage choice.
What factors affect Massachusetts car insurance costs?
Your driving record, age and location affect your rates, with accidents, violations, and younger drivers facing higher costs. Urban areas cost more than rural ones.
Why is Massachusetts car insurance so expensive?
Massachusetts prohibits most demographic rating factors including age, gender, and credit scoring, creating more uniform pricing. The state's no-fault system requires insurers to pay medical costs regardless of fault, though strong regulations help control costs. Massachusetts also has one of the lowest uninsured driver rates at 3.5%, which helps keep premiums affordable for insured drivers.
How expensive is Massachusetts car insurance?
With rankings of 14th for minimum coverage affordability and 14th for full coverage, Massachusetts stands out as one of the more budget-friendly destinations for auto insurance across the U.S.
How We Determined Massachusetts Car Insurance Costs
We used the following profile and modifications of this profile to determine Massachusetts auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Boston Globe . "Auto Insurance Rates ." Accessed September 1, 2025.
- Insurance Journal . "Massachusetts Increases Minimum Auto Coverage Limits ." Accessed September 1, 2025.