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A number of variables can affect how much you pay for car insurance, including your location, age, coverage type, driving record and more. The average full coverage rates in Massachusetts vary, costing $483 annually from State Farm and $1,911 annually from Safety Group. Younger drivers may also pay more than seniors.

In other states, the credit score is a significant factor in determining rates, but Massachusetts prohibits insurers from using it to determine pricing.

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2023

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Average Car Insurance Costs in Massachusetts (2023)

In Massachusetts, full coverage auto insurance costs $1,039 annually on average, but the cost may vary depending on different variables. Drivers with different records typically pay the following rates:

  • Clean record: $1,039 per year
  • Speeding ticket: $1,327 per year
  • Accident: $1,693 per year
  • DUI: $1,917 per year

The prices above apply to full coverage policies. Note that rates for minimum coverage could be less expensive.

Driving Record
Annual Premium
Monthly Premium

Clean

$358

$30

Clean

$444

$37

Ticket

$467

$39

Clean

$491

$41

Ticket

$563

$47

At-Fault Accident

$613

$51

Ticket

$626

$52

DUI

$691

$58

At-Fault Accident

$745

$62

At-Fault Accident

$825

$69

DUI

$841

$70

Clean

$848

$71

DUI

$929

$77

Clean

$1,039

$87

Ticket

$1,108

$92

Clean

$1,184

$99

Ticket

$1,327

$111

At-Fault Accident

$1,400

$117

Ticket

$1,509

$126

DUI

$1,580

$132

At-Fault Accident

$1,693

$141

DUI

$1,917

$160

At-Fault Accident

$1,920

$160

DUI

$2,169

$181

Why Are Car Insurance Rates Moderate in Massachusetts?

Massachusetts' average auto insurance cost is $15 less than the $1,054 national average, making it moderately expensive. The state could have moderate costs due to lower incidents of theft, medium traffic volume and reduced population size. If you have higher car insurance costs in Massachusetts, it could be because of individual factors like your age or driving record.

Average Car Insurance Costs in Massachusetts by Company

Rates often differ between companies, so averages can be deceiving. State Farm offers the cheapest auto insurance in Massachusetts for minimum coverage at $221 annually ($483 for full coverage). Safety Group has the highest prices at $774 annually for minimum coverage ($1,911 for full coverage).

Even though liability-only insurance is less expensive, searching around could bring you closer to affordable full coverage insurance.

Company
Annual Premium
Monthly Premium

State Farm

$167

$14

Hanover

$176

$15

State Farm

$221

$18

State Farm

$221

$18

Hanover

$226

$19

Plymouth Rock Assurance

$251

$21

Vermont Mutual

$252

$21

Plymouth Rock Assurance

$272

$23

Hanover

$289

$24

Plymouth Rock Assurance

$326

$27

GEICO

$327

$27

Chubb

$337

$28

Arbella

$349

$29

Chubb

$353

$29

Vermont Mutual

$359

$30

Allstate

$363

$30

American Family

$365

$30

American Family

$366

$31

State Farm

$369

$31

Vermont Mutual

$409

$34

Amica Mutual

$413

$34

American Family

$425

$35

Amica Mutual

$440

$37

Amica Mutual

$444

$37

Chubb

$456

$38

Arbella

$460

$38

GEICO

$469

$39

Arbella

$472

$39

State Farm

$483

$40

State Farm

$483

$40

Safety Group

$485

$40

Allstate

$494

$41

GEICO

$514

$43

Vermont Mutual

$533

$44

Allstate

$537

$45

GEICO

$572

$48

Travelers

$604

$50

Progressive

$640

$53

Hanover

$659

$55

Plymouth Rock Assurance

$752

$63

Vermont Mutual

$761

$63

Travelers

$769

$64

Progressive

$773

$64

Safety Group

$774

$65

Allstate

$784

$65

American Family

$801

$67

Arbella

$809

$67

Progressive

$815

$68

Travelers

$815

$68

American Family

$817

$68

GEICO

$834

$69

Safety Group

$834

$69

Plymouth Rock Assurance

$838

$70

Hanover

$865

$72

Vermont Mutual

$867

$72

GEICO

$923

$77

American Family

$932

$78

Amica Mutual

$968

$81

Amica Mutual

$1,003

$84

Chubb

$1,008

$84

Plymouth Rock Assurance

$1,027

$86

Chubb

$1,049

$87

Allstate

$1,057

$88

Arbella

$1,058

$88

Arbella

$1,081

$90

Amica Mutual

$1,098

$92

Hanover

$1,098

$92

Allstate

$1,156

$96

Safety Group

$1,194

$100

Progressive

$1,202

$100

Progressive

$1,316

$110

Chubb

$1,347

$112

Travelers

$1,396

$116

Progressive

$1,571

$131

Travelers

$1,739

$145

Safety Group

$1,911

$159

Travelers

$1,916

$160

Safety Group

$2,056

$171

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MONEYGEEK’S MASSACHUSETTS CAR INSURANCE CALCULATOR

Your coverage, city, age and driving record are used to calculate your insurance premium. With MoneyGeek's Massachusetts auto insurance calculator, you can easily determine how much your coverage will cost.

Average Car Insurance Costs in Massachusetts by Coverage Level

Drivers in Massachusetts pay an average of $444 for the state-mandated minimum amount of coverage and $1,279 for full coverage with higher liability limits. Your insurance premium will rise along with your increased liability limits. It could also go up by including comprehensive and collision coverage. A higher deductible on full coverage insurance can save you money in the long run.

Average annual car insurance rates by coverage tier

The cheapest minimum coverage in Massachusetts offers the lowest liability limits. There is no collision or comprehensive coverage, and your car won’t be covered. Personal injury protection and uninsured motorist coverage are mandated in the state, which raises the price of minimum coverage.

Policies with higher liability limits might be available. In a policy with liability limits of 100/300/100, the following coverage would be present:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability

The typical insurer's maximum liability is 300/500/300. You will need to get comprehensive and collision insurance to receive compensation for injuries to you or for damages to your car.

Average Car Insurance Costs in Massachusetts by Age

Your age could impact your auto insurance premiums, especially if you are a new driver. In Massachusetts, the average full coverage rates vary by age:

  • 22–29: $1,184 per year
  • 30–59: $1,039 per year
  • 60+: $848 per year

Insurance costs are normally higher for drivers in their 20s. Rates remain fairly stable for those between the ages of 30 and 59 before declining when they reach their 60s. Drivers who are new could pay similar rates to those in their 20s, regardless of their actual age.

Age
Annual Premium
Monthly Premium

22-29

$1,184

$99

22-29

$491

$41

30-59

$1,039

$87

30-59

$444

$37

60 +

$848

$71

60 +

$358

$30

Average Car Insurance Costs in Massachusetts for Teens

The average insurance cost for a 16-year-old male on a family plan with full coverage in Massachusetts is $2,520 annually, making teen drivers more expensive than other age brackets. Individual policy premiums are even more expensive, costing $4,386 annually. Teens under 18 might not be able to purchase coverage without a parent’s consent.

As drivers get older, prices go down. Under a family plan, a 19-year-old typically spends $1,741 yearly, while a 22-year-old will spend around $1,342. Since rates vary by company, comparing prices to discover the cheapest teen car insurance in Massachusetts is a wise move.

Since sex-based ratings are prohibited in Massachusetts, male teens are likely to pay less than they would in other states.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$2,520

$210

$4,386

$366

16

$2,520

$210

$4,386

$366

17

$2,442

$203

$3,676

$306

17

$2,442

$203

$3,676

$306

18

$2,292

$191

$3,436

$286

18

$2,292

$191

$3,436

$286

19

$1,741

$145

$2,679

$223

19

$1,741

$145

$2,679

$223

20

$1,753

$146

$2,485

$207

20

$1,753

$146

$2,485

$207

21

$1,610

$134

$2,242

$187

21

$1,610

$134

$2,242

$187

22

$1,324

$110

$1,764

$147

22

$1,324

$110

$1,764

$147

23

$1,414

$118

$1,633

$136

23

$1,414

$118

$1,633

$136

24

$1,188

$99

$1,397

$116

24

$1,188

$99

$1,397

$116

25

$1,190

$99

$1,369

$114

25

$1,190

$99

$1,369

$114

Average Car Insurance Costs in Massachusetts for New Cars vs. Older Cars

A new car's average annual rate in Massachusetts for full coverage is $1,255, which is 21% more expensive than the $1,034 annual rate for an older car. A new car's higher actual cash value (ACV), greater theft risk and increased repair costs could result in higher insurance rates. Using your car's ACV is how insurers settle collision and comprehensive claims. It decreases significantly with time, and the insurance will pay you a lesser amount for any specific claim, so your car will be less expensive to insure.

If you have a more recent vehicle, buy full coverage insurance since it does not simply cover your liability for damages to other people. It also covers damage to your own car.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$381

$32

2012 Vehicle

$403

$34

2022 Vehicle

$456

$38

2012 Vehicle

$490

$41

2022 Vehicle

$509

$42

2012 Vehicle

$540

$45

2012 Vehicle

$884

$74

2012 Vehicle

$1,034

$86

2022 Vehicle

$1,081

$90

2012 Vehicle

$1,190

$99

2022 Vehicle

$1,255

$105

2022 Vehicle

$1,464

$122

Average Car Insurance Costs in Massachusetts by Driving Record

Auto insurance premiums are more expensive for drivers in Massachusetts with driving offenses. Drivers in the state generally pay the following premiums for full coverage:

  • Clean record: $1,039 per year
  • Speeding ticket: $1,327 per year
  • Accident: $1,693 per year
  • DUI: $1,917 per year

Prices typically rise based on the driving violation committed. A DUI will result in a higher insurance rate than a speeding ticket. Compare prices from several providers to discover the cheapest auto insurance in Massachusetts for drivers with records.

Driving Record
Annual Premium
Monthly Premium

Clean

$358

$30

Clean

$444

$37

Ticket

$467

$39

Clean

$491

$41

Ticket

$563

$47

At-Fault Accident

$613

$51

Ticket

$626

$52

DUI

$691

$58

At-Fault Accident

$745

$62

At-Fault Accident

$825

$69

DUI

$841

$70

Clean

$848

$71

DUI

$929

$77

Clean

$1,039

$87

Ticket

$1,108

$92

Clean

$1,184

$99

Ticket

$1,327

$111

At-Fault Accident

$1,400

$117

Ticket

$1,509

$126

DUI

$1,580

$132

At-Fault Accident

$1,693

$141

DUI

$1,917

$160

At-Fault Accident

$1,920

$160

DUI

$2,169

$181

Average Car Insurance Costs in Massachusetts by City

Your auto insurance rates could vary widely based on where you reside. For example, motorists in Boston might pay an average of $1,891 for full coverage insurance, which is the city with the highest premiums in Massachusetts. Drivers in Cambridge could pay an average of $1,109, the cheapest among the cities.

In places like Boston, where there is more traffic and a greater population, rates are typically higher.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Boston

$2,164

$919

Boston

$1,891

$824

Boston

$1,551

$668

Cambridge

$1,266

$550

Cambridge

$1,109

$493

Cambridge

$902

$398

Lowell

$1,344

$610

Lowell

$1,175

$545

Lowell

$964

$443

Springfield

$1,678

$798

Springfield

$1,471

$716

Springfield

$1,204

$580

Worcester

$1,490

$640

Worcester

$1,301

$572

Worcester

$1,065

$465

Insurance Rates

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Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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FAQ About Car Insurance Costs in Massachusetts

Given that prices vary based on different factors, it could be difficult to determine the average cost of auto insurance in Massachusetts. Learn more from MoneyGeek's responses to frequently asked questions.

About Mark Fitzpatrick


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Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.