Massachusetts car insurance costs about $1,193 yearly for full coverage and $526 for minimum coverage, assuming a 40-year-old driver with good credit and a clean driving history. The state ranks 14th for both coverage types nationally, with premiums 18% and 24% below average rates respectively.
Average Cost of Car Insurance in Massachusetts
Updated: October 22, 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.
Massachusetts ranks 14th for both minimum and full coverage affordability, making it one of the more budget-friendly states in the nation.
To secure the cheapest car insurance in Massachusetts, decide your coverage requirements first, research various companies, then compare quotes extensively.
Average Car Insurance Cost In Massachusetts
| Full Coverage | $99 | $1,193 |
| Minimum Coverage | $44 | $526 |
Full coverage costs an additional $667 annually beyond minimum requirements, breaking down to roughly $56 per month. Your individual premiums vary according to personal profile, driving experience and policy options chosen.
Average Massachusetts Car Insurance Cost By Category
Senior drivers pay slightly more than adults in Massachusetts at $100 monthly for full coverage compared to $97 for adult drivers, an unusual pattern reflecting the state's regulatory approach. Your personal profile impacts Massachusetts car insurance costs substantially.
Young drivers pay the highest premiums at $218 monthly for full coverage and $96 for minimum coverage. Drivers with poor credit pay elevated costs at $197 for full coverage and $89 for minimum, though Massachusetts regulations help moderate some rate differences compared to other northeastern states.
| 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 |
Massachusetts insurance regulations create more uniform pricing across demographics while still allowing meaningful rate variations based on risk factors.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Average Massachusetts Car Insurance Cost by Company
GEICO maintains the most economical pricing in Massachusetts at $82 monthly for full coverage, while Safety Insurance charges slightly more at $90 monthly. Massachusetts shows minimal rate spreads between insurers, with full coverage costs varying from $82 to $90 monthly among well-known companies.
The modest $102 annual difference reflects Massachusetts's regulated insurance environment limiting company pricing variations.
| Plymouth Rock Insurance | $23 | $83 |
| Safety Insurance | $30 | $90 |
| Amica | $35 | $84 |
| Norfolk & Dedham Insurance | $37 | $84 |
| Geico | $38 | $82 |
Average Massachusetts Car Insurance Cost By City
Massachusetts shows substantial geographic variation in car insurance costs despite regulatory oversight, with full coverage premiums ranging from $69 monthly in Northfield to $225 in Roxbury Crossing. Location affects Massachusetts car insurance pricing across urban and rural areas.
The $156 monthly difference between the cheapest and most expensive locations underscores the value of location-specific rate comparison even in regulated markets. Compare rates for your city below.
Data filtered by:
Abington
| 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 climbed almost 38% since early 2022, increasing at more than double the pace of consumer inflation. In 2023, the seven largest insurers raised 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. These changes could increase average minimum coverage rates substantially.
Climate-Related Claims
Climate change drives 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 drivers led to safer roads and lower premiums. With the pandemic behind us, drivers have returned to the roads in large 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:
- 1Decide 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.
- 2Research 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.
- 3Look 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.
- 4Compare 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 paying 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?
Massachusetts ranks 14th for both minimum and full coverage affordability, making it one of the more budget-friendly states for auto insurance across the U.S.
How We Determined Massachusetts Car Insurance Costs
We analyzed Massachusetts car insurance rates using the following driver profile and variations of it across all ZIP codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
For this study, minimum coverage refers to the state’s required liability limits, while full coverage includes 100/300/100 liability limits and a $1,000 deductible for both comprehensive and collision insurance.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Boston Globe . "Auto Insurance Rates ." Accessed October 26, 2025.
- Insurance Journal . "Massachusetts Increases Minimum Auto Coverage Limits ." Accessed October 26, 2025.