How Much Is Car Insurance in Massachusetts? (2024)


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ByMark Fitzpatrick
Reviewed byMark Friedlander
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ByMark Fitzpatrick
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Reviewed byMark Friedlander
Edited byJlyne Ubina
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Updated: May 29, 2024

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In Massachusetts, drivers pay an average of $1,070 each year for full car insurance coverage. If you choose just minimum coverage, the yearly cost drops to about $458.

Your car insurance premium can change because of different factors, including where you live, how old you are, the level of coverage you want, your driving history and your credit history. It's smart to look at all these things to find affordable insurance that fits you right.

Why Trust MoneyGeek? To pinpoint the most precise average costs for various drivers across Massachusetts, MoneyGeek compiled data from Quadrant Information Services and the Massachusetts Department of Insurance. This was done using sample driver profiles that reflect the typical criteria insurers use to determine premiums.

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These rates reflect the average cost of car insurance in Massachusetts as of 2024.

22,050Quotes Analyzed
 
14Companies Compared
 
81ZIP Codes

Average Car Insurance Costs in Massachusetts

The average full coverage car insurance cost in Massachusetts is $89 monthly or $1,070 yearly. Knowing the average cost helps you evaluate the competitiveness of your quotes. Comparing car insurance quotes can also guide you in finding an affordable plan.

Here's what you might pay for auto insurance in Massachusetts. The average figures for both minimum coverage and full coverage can inform your budgeting for monthly and yearly car insurance costs.

100/300/100 Full Cov. w/$1,000 Ded.Average Annual Premium$1,070Average Monthly Premium$89
100/300/100 Liability OnlyAverage Annual Premium$667Average Monthly Premium$56
State Minimum Liability OnlyAverage Annual Premium$458Average Monthly Premium$38

Why Are Car Insurance Rates Moderate in Massachusetts?

Car insurance in Massachusetts tends to be moderate compared to other states. For full coverage with a $1,000 deductible, Massachusetts drivers pay an average annual premium of $1,070, which boils down to about $89 per month. This fee is slightly cheaper than the national average cost of car insurance for similar coverage, which is $1,244 per year or $104 monthly.

The cost of car insurance in Massachusetts is affected by factors like state laws, urban traffic conditions, weather risks and the individual driver's record and age. Offering state minimum coverage at an average of $458 annually or $38 monthly, Massachusetts also remains below the national yearly average of $573 for minimum coverage. In Massachusetts, the blend of these elements helps keep insurance rates at a moderate level.

Average Car Insurance Costs in Massachusetts by Company

Car insurance premiums can vary significantly from one company to another, even within the same state. For example, in Massachusetts, State Farm offers the cheapest full coverage at an annual premium of $483. In contrast, the most expensive average premium for similar full coverage is $1,947 by Travelers.

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

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
State FarmAnnual Premium$483Monthly Premium$40
Plymouth Rock AssuranceAnnual Premium$775Monthly Premium$65
American FamilyAnnual Premium$801Monthly Premium$67
Vermont MutualAnnual Premium$838Monthly Premium$70
Safety GroupAnnual Premium$854Monthly Premium$71
GEICOAnnual Premium$1,007Monthly Premium$84
ChubbAnnual Premium$1,008Monthly Premium$84
HanoverAnnual Premium$1,035Monthly Premium$86
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Average Car Insurance Costs in Massachusetts by Coverage Level

The cost of car insurance in Massachusetts is also affected by the level of coverage selected. For instance, the average monthly cost for minimum coverage is around $38, while opting for full coverage with a $1,000 deductible costs about $89. Despite the price difference, full coverage is recommended for comprehensive financial protection against potential on-road incidents.

Adding comprehensive and collision coverage to your policy will invariably raise your premium. However, opting for higher deductibles, such as a $1,000 deductible for full coverage, can offer a balance by lowering the monthly cost. It's important to note that the deductible amount applies separately to each comprehensive and collision claim you make.

State Minimum Liability OnlyAverage Annual Premium$458Average Monthly Premium$38
100/300/100 Liability OnlyAverage Annual Premium$667Average Monthly Premium$56
State Minimum Liability w/ Full Cov. w/$1,000 Ded.Average Annual Premium$900Average Monthly Premium$75
300/500/300 Liability OnlyAverage Annual Premium$945Average Monthly Premium$79
State Minimum Liability w/ Full Cov. w/$1,500 Ded.Average Annual Premium$991Average Monthly Premium$83
State Minimum Liability w/ Full Cov. w/$500 Ded.Average Annual Premium$1,010Average Monthly Premium$84
100/300/100 Full Cov. w/$1,000 Ded.Average Annual Premium$1,070Average Monthly Premium$89
100/300/100 Full Cov. w/$1,500 Ded.Average Annual Premium$1,161Average Monthly Premium$97

Minimum Car Insurance Requirements in Massachusetts

In Massachusetts, the 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.

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    $20,000 for bodily injury liability per person

    Covers expenses related to injuries of one person in an accident you cause.

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    $40,000 for bodily injury liability per accident

    Covers expenses related to injuries of all persons per accident you cause.

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    $5,000 for property damage liability per accident

    Covers expenses related to the damage of someone else's property per accident you cause.

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    $20,000 uninsured motorist bodily injury per person

    Covers your expenses for injuries caused by an uninsured driver, per person.

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    $40,000 uninsured motorist bodily injury per accident

    Covers your expenses for injuries caused by an uninsured driver, per accident.

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    $8,000 personal injury protection (PIP) per accident

    Covers medical expenses, lost wages and other expenses regardless of who caused the accident.

Average Car Insurance Costs in Massachusetts by City

Your location affects your car insurance premiums significantly. Compare Boston's full coverage at $1,891 to Cambridge's $1,109 for identical coverage.

Premiums for car insurance in Massachusetts can be influenced by factors, such as your driving record, the type of car you drive and even your credit score. Other important factors include age, gender and the frequency of car usage. All these can significantly impact the cost of car insurance in Massachusetts.

BostonFull Coverage Annual Premium$1,891Minimum Coverage Annual Premium$824
CambridgeFull Coverage Annual Premium$1,109Minimum Coverage Annual Premium$493
LowellFull Coverage Annual Premium$1,175Minimum Coverage Annual Premium$545
SpringfieldFull Coverage Annual Premium$1,471Minimum Coverage Annual Premium$716
WorcesterFull Coverage Annual Premium$1,301Minimum Coverage Annual Premium$572

Average Car Insurance Costs in Massachusetts by Age

Age significantly affects car insurance rates in Massachusetts. Younger drivers typically face higher premiums.

Drivers in their 20s generally pay the most for car insurance because they're considered higher risk. As people get older, premiums trend downwards due to more experience and perceived lower risk.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
22-29Average Annual Premium$1,226Average Monthly Premium$102
30-59Average Annual Premium$1,070Average Monthly Premium$89
60 +Average Annual Premium$891Average Monthly Premium$74

Average Car Insurance Costs in Massachusetts for Teens

Age and gender are significant factors influencing 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.

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

Data filtered by:Results filtered by:
Gender:
Gender:Male
16Added to Family Policy Premium$2,520Individual Premium$4,386
17Added to Family Policy Premium$2,442Individual Premium$3,676
18Added to Family Policy Premium$2,292Individual Premium$3,436
19Added to Family Policy Premium$1,741Individual Premium$2,679
20Added to Family Policy Premium$1,753Individual Premium$2,485
21Added to Family Policy Premium$1,610Individual Premium$2,242
22Added to Family Policy Premium$1,324Individual Premium$1,764
23Added to Family Policy Premium$1,414Individual Premium$1,633

Average Car Insurance Costs in Massachusetts for New Cars

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

Expert advice suggests that modern car owners should consider adding comprehensive and collision coverage. This protection not only covers damages from a wide range of incidents but also assists in safeguarding against financial loss.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
Age Group:
Age Group:30-59
2012 VehicleAnnual Premium$1,034Monthly Premium$86
2022 VehicleAnnual Premium$1,255Monthly Premium$105
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ACTUAL CASH VALUE

The actual cash value (ACV) of your vehicle is a key factor in determining your reimbursement from an insurance company post-accident. It represents your car's fair market value, taking depreciation into account. This value sets the maximum payout limit for your comprehensive or collision claim, impacting your out-of-pocket costs in case of a covered incident.

Average Car Insurance Costs in Massachusetts by Driving Record

The average cost of car insurance in Massachusetts varies based on your driving record. Knowing this can help you understand what to expect when shopping for coverage.

  • With a ticket: $1,356 per year; $113 per month
  • With an at-fault accident: $1,712 per year; $143 per month
  • With a DUI: $1,918 per year; $160 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. Different 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 as long as 10 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 policies of insurance companies in some states.

You can explore the table for more details on the average cost of insurance in Massachusetts for various driving records, coverage options and age categories.

Data filtered by:Results filtered by:
Coverage:
Coverage:100/300/100 Full Cov. w/$1,000 Ded.
Age Group:
Age Group:30-59
CleanAverage Annual Premium$1,070Average Monthly Premium$89
TicketAverage Annual Premium$1,356Average Monthly Premium$113
At-fault AccidentAverage Annual Premium$1,712Average Monthly Premium$143
DUIAverage Annual Premium$1,918Average Monthly Premium$160
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Factors Affecting Car Insurance Rates in Massachusetts

These are the key factors influencing 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 typically exceeds that of more modest vehicles due to higher repair costs and increased risk of theft.

  • Location: Urban areas with denser traffic and higher crime rates might see elevated rates compared to rural regions in Massachusetts.

  • Collision Insurance: Adding collision coverage can protect you from costs incurred due to accidents, but it will also contribute to a higher overall insurance rate.

  • Comprehensive Insurance: Opting for comprehensive insurance protects against non-collision incidents, yet it also adds to the monthly cost of your policy.

  • Coverage Level: Choosing state minimum coverage can be the most cost-effective, but higher levels of coverage provide more protection at a higher cost.

  • Discounts: Insurance providers may offer discounts for multiple policies, safety features or defensive driving courses that can help lower your Massachusetts insurance rates.

How to Save Money on Car Insurance in Massachusetts

To secure affordable car insurance in Massachusetts, directly compare rates, opt for a higher deductible and capitalize on all offered insurance discounts.

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    Shop Around for Rates

    Comparing quotes from multiple insurers can lead to finding the cheapest car insurance in Massachusetts. Insurers rate risk differently, so shopping around is important.

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    Maintain a Clean Driving Record

    A clean driving record free of accidents and traffic violations can significantly reduce insurance premiums, as it indicates responsible driving behavior to insurers.

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    Bundle Insurance Policies

    Bundling car insurance with other policies like homeowners or renters insurance can unlock discounts and lead to more affordable overall rates.

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    Increase Your Deductibles

    Opting for higher deductibles can lower your premium costs. Ensure you choose a deductible amount that you can comfortably afford in case of a claim.

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    Look for Discounts

    Insurers offer various discounts for things like being a good student, driving a low number of miles annually or having anti-theft devices installed in your vehicle.

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    Consider Your Vehicle Choice

    Driving a car that is less expensive to repair or replace and has strong safety features can lead to lower insurance rates.

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    Improve Your Credit Score

    In Massachusetts, a good credit score can influence your insurance rates. Work on improving your credit score to potentially lower your insurance costs.

FAQ: Car Insurance Costs in Massachusetts

Here, we provide essential information to help drivers make informed decisions about their car insurance investments.

What are the minimum car insurance requirements in Massachusetts?
What is the average cost of full coverage and minimum coverage auto insurance in Massachusetts?
What is the average cost of car insurance for a 22-year-old in Massachusetts?
What are the cheapest car insurance companies in Massachusetts?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.