How Much Is Car Insurance in Massachusetts? (October 2024)

In Massachusetts, drivers pay an average of $1,174 yearly for full car insurance coverage. For minimum coverage, the yearly cost drops to about $486.

Your car insurance premium will depend on your location, age, preferred coverage level, driving record and credit history. Consider these factors to find affordable insurance that meets your needs.

The average full coverage car insurance cost in Massachusetts is $1,174 annually. Knowing the average cost helps you evaluate the competitiveness of your options. Comparing car insurance quotes can guide you in finding an affordable plan.

Here's what you might pay for auto insurance in Massachusetts. Average figures for minimum and full coverages can help you budget for your yearly or monthly premiums.

Car insurance in Massachusetts is moderately priced compared to other states. Full coverage with a $1,000 deductible averages $1,174 annually ($98 monthly), lower than the national average of $1,337 per year ($111 monthly). Minimum coverage averages $486 annually ($40 monthly), also below the national average of $619 per year ($52 monthly).

State laws, the level of competition among insurers, and the relatively lower number of uninsured drivers all affect car insurance costs.

Car insurance premiums vary by company, even within the same state. In Massachusetts, State Farm offers the cheapest full coverage at an annual premium of $483. Travelers offers the most expensive average premium for full coverage at $1,990.

Finding the cheapest car insurance in Massachusetts can lead to substantial savings. Always compare quotes from different providers to secure a policy that meets your budget and coverage needs.

The cost of car insurance in Massachusetts is also impacted by the choice of coverage level. For example, the average monthly cost for minimum coverage stands at $40, while the monthly expense for the full coverage reaches $98. It's usually recommended to opt for a full coverage insurance since it offers comprehensive protection against a variety of incidents, despite being more expensive.

Adding comprehensive and collision coverage to your policy will increase your premium, yet selecting higher deductibles is a strategy to offset this increase. The deductible is the amount you pay per comprehensive or collision claim you file.

Massachusetts' minimum car insurance requirements include $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, $5,000 property damage liability per accident, along with $20,000 uninsured/underinsured per person and $40,000 per accident, plus personal injury protection of $8,000 per accident.

Your location greatly affects car insurance premiums. Full coverage rates differ between cities — Boston averages $1,891, while Cambridge averages $1,109.

Car insurance costs in Massachusetts also depend on your driving record, vehicle type, credit score, age, gender and how often you use your car.

In Massachusetts, younger drivers aged 22 to 29 face the highest premiums, with an average annual premium of $1,351.

Rates typically decrease with age, with drivers between 30 to 59 paying around $1,174 annually. Drivers over 60 enjoy the lowest costs, averaging $977 per year, due to their longer experience and lower risk.

Age and gender greatly impact car insurance rates in Massachusetts. The highest premium often falls to 16-year-old male drivers added to the family policy, averaging $2,520 annually.

Purchasing insurance without a guardian is usually not permitted for teens under 18. If a 16-year-old male opts for individual coverage, he would face a substantial premium of $4,386.

The average annual cost for full coverage car insurance on a 2012 model is $1,034, while a 2022 model sees a yearly increased premium at $1,255. This surge in cost for newer models is often due to their higher actual cash value, costlier repair expenses and a greater risk of theft.

Experts advise modern car owners to add comprehensive and collision coverages. This protection covers damage from various incidents and helps guard against financial loss.

In Massachusetts, drivers with poor driving records see a notable increase in their average car insurance costs. Knowing this can help you understand what to expect when shopping for coverage.

• With a ticket: $1,489 per year; $124 per month
• With an at-fault accident: $1,898 per year; $158 per month
• With a DUI: $2,139 per year; $178 per month

The type of violation on your driving record can influence your car insurance premiums. More severe violations mean higher costs, and as long as the violation is on your record, it will continue to impact your rates. States have different rules about how long a violation will remain on your driving record.

In Massachusetts, for instance, a DUI can stay on your driving record for up to 5 years, affecting your insurance premiums during this time.

Although a DUI is typically the most costly offense in terms of insurance premiums, there are exceptions where other infractions can result in higher costs due to specific insurance company policies in some states.

The table below details Massachusetts' average insurance cost for various driving records, coverage options, and age groups.

These key factors influence the average cost of car insurance in Massachusetts:

• Driving record: A pristine driving record can lead to more favorable insurance rates, whereas accidents or violations may increase your premium in Massachusetts.
• Age: Generally, younger and inexperienced drivers face higher premiums due to a perceived higher risk, whereas older, more experienced drivers may benefit from lower rates.
• Credit score: In Massachusetts, a higher credit score can be advantageous, as insurers may view it as an indicator of financial reliability, potentially leading to reduced premiums.
• Annual mileage: The more you drive, the higher the risk of an incident. Drivers with lower annual mileage can often secure more affordable rates.
• Vehicle type: The cost of insuring luxury or sports cars exceeds that of more modest vehicles due to higher repair costs and increased theft risk.
• Location: In Massachusetts, urban areas with denser traffic and higher crime rates have higher insurance rates than rural regions.
• Collision insurance: Adding collision coverage can protect you from accident-related costs but also raise your overall insurance rate.
• Comprehensive insurance: Opting for comprehensive insurance protects against non-collision incidents, but it also increases the monthly cost of your policy.
• Coverage level: While choosing state minimum coverage can be the most cost effective, higher levels of coverage provide more protection at a higher price.
• Discounts: Insurance providers may offer discounts for multiple policies, safety features or defensive driving courses that can help lower your insurance rates.

To secure affordable car insurance in Massachusetts, directly compare rates, choose a higher deductible and use eligible discounts.

Get answers about what impacts the average cost of car insurance in Massachusetts and how to find affordable rates.