Massachusetts drivers pay $99 per month for full coverage car insurance and $44 for minimum coverage. Both coverage tiers are below the national average, which puts Massachusetts among the more affordable states for drivers who have standard financial protection.
Average Cost of Car Insurance in Massachusetts for 2026
Updated: June 15, 2026
Advertising & Editorial Disclosure
How Much Does Car Insurance Cost in Massachusetts?
Minimum Coverage | $44 | $60 | $526 | $726 |
Full Coverage | $99 | $124 | $1,193 | $1,493 |
Where you live, how old you are and which company you choose all affect your actual premium. Massachusetts bans gender based pricing and credit-based insurance scoring.
Massachusetts Car Insurance Cost by Coverage Level
Massachusetts drivers pay $48 per month for minimum liability only, and adding comprehensive and collision coverage with a $1,000 deductible increases that to $58, a $10 monthly difference that adds financial protection for damage to your own car. If you upgrade liability limits to 100/300/100 on top of that, the monthly cost increases to $108.
Deductible matters more than the liability upgrade. Dropping from a $1,000 deductible to a $0 deductible on minimum liability plus comprehensive/collision costs $103 per month, $5 below the 100/300/100 full coverage rate of $108. A driver who spends $103 for minimum liability limits with a $0 deductible is $5 away from the 100/300/100 policy that covers far more. The 300/500/300 policy at $126 per month is $18 above the 100/300/100 benchmark, the highest liability option in our analysis.
Minimum Liability Only | $48 | $578 |
Min. liab. + comp/coll ($1,000 ded.) | $58 | $697 |
Min. liab. + comp/coll ($2,000 ded.) | $77 | $921 |
Min. liab. + comp/coll ($0 ded.) | $103 | $1,241 |
Min. liab. + comp/coll ($250 ded.) | $103 | $1,233 |
100/300/100 liability + comp/coll ($1,000 ded.) | $108 | $1,293 |
50/100/50 liability + comp/coll ($500 ded.) | $113 | $1,357 |
300/500/300 liability + comp/coll ($1,500 ded.) | $126 | $1,513 |
How Much Is Car Insurance by City in Massachusetts?
Brockton drivers have the most expensive average rates in Massachusetts. Full coverage costs an average of $162 per month, $52 more than the $110 average in Cambridge. Annually, the difference between these two Massachusetts cities is $624.
The higher rates in Brockton are due to elevated property crime and trafffic density n Route 24. Cambridge’s lower rates are because of lower crime statistics and driving patterns associated with its population.
Brockton | $162 | $72 |
Lynn | $142 | $63 |
Springfield | $140 | $64 |
Worcester | $124 | $56 |
Lowell | $122 | $57 |
Fall River | $122 | $54 |
New Bedford | $121 | $53 |
Quincy | $114 | $51 |
Boston | $113 | $50 |
Cambridge | $110 | $50 |
How Much Is Car Insurance in Massachusetts by Age and Gender?
Massachusetts bans gender as a rating factor, so the table below applies to all drivers regardless of gender. You can also use our free calculator to estimate your Massachusetts car insurance cost based on your age and driver profile.
Cost of Car Insurance with Violations in Massachusetts
The state penalizes not-at-fault drivers. Having this violation on record increases Massachusetts full coverage rates by $5 per month, compared to the average cost for a driver with a clean record.
A DUI raises the average premium from $108 to $202 per month. The $94 monthly DUI surcharge adds $1,126 per year on top of the clean-record rate and shows the highest risk classification Massachusetts insurers apply.
At-fault accidents results in a $60 monthly increase, or $719 per year above a clean record. Speeding and texting while driving each add $22 per month.
Clean Record | $108 | $1,293 | — |
Accident (not at fault) | $113 | $1,356 | 5% |
Speeding | $130 | $1,564 | 20% |
Texting While Driving | $130 | $1,564 | 20% |
Accident (at fault) | $168 | $2,012 | 56% |
DUI | $202 | $2,419 | 87% |
Insurers classify Massachusetts drivers with violations as higher risk because past behavior can predict future claim frequency. This increased risk assessment means higher car insurance rates.
How Much Does Car Insurance Cost in Massachusetts by Vehicle?
Your car insurance rate depends on your vehicle and its safety features, repair costs and theft risk. In Massachusetts, a Tesla Model Y costs $95 per month more to insure than a Ford F-150: $263 versus $168 for full coverage. The Model Y is the most expensive vehicle in our analysis, while the F-150 is the least expensive.
The cheapest EV in our study, the Tesla Model 3, costs $230 per month, $62 more than the F-150. EV repair costs run higher because specialized battery systems and unique parts generate more expensive claims.
Budget-focused drivers choosing between a Honda Civic ($177 per month) and a Toyota Camry ($187 per month) pay $53 to $63 less per month than the Model 3, and $76 to $86 less than the Model Y.
$79 | $952 | $168 | $2,011 | |
$84 | $1,003 | $177 | $2,121 | |
$87 | $1,041 | $183 | $2,200 | |
$88 | $1,059 | $187 | $2,242 | |
$89 | $1,074 | $190 | $2,275 | |
$92 | $1,106 | $195 | $2,345 | |
$108 | $1,299 | $230 | $2,755 | |
$123 | $1,479 | $263 | $3,158 |
What Affects Your Car Insurance Rates in Massachusetts?
Insurance companies consider several factors when calculating premiums. Age and driving record affect rates the most. But, unlike in other states, credit scoring and gender-based pricing aren’t allowed in Massachusetts.
How to Compare Car Insurance Rates in Massachusetts
The best car insurance companies in Massachusetts don’t just focus on low prices, but also pays claims. Depending on your driver profile, the insurer with the best combination of rate and reliability may vary.
Compare insurance offers and get quotes from at least three companies to find the best and cheapest car insurance in Massachusetts for your needs.
$23 | $83 | $274 | $997 | |
$35 | $84 | $415 | $1,013 | |
$38 | $82 | $451 | $978 | |
$30 | $90 | $366 | $1,081 | |
Norfolk & Dedham Insurance | $37 | $84 | $446 | $1,006 |
Cost of Car Insurance in Massachusetts: FAQ
How much is Massachusetts car insurance per month?
Massachusetts car insurance averages $44 per month for minimum coverage and $99 for full coverage. Your actual rate depends on your driving record, age, vehicle, and the company you choose.
Why is Massachusetts car insurance so expensive?
Massachusetts has a no-fault insurance system that requires personal injury protection coverage. This means insurers pay medical claims regardless of who caused the accident, which increases claim frequency and raises premiums statewide.
Dense urban traffic in Boston and Worcester adds to accident rates, and frequent nor'easters increases the risk of comprehensive claims. The state's 4.5% uninsured driver rate is below the national average of 13%, which moderates the uninsured motorist component of premiums.
Does credit score affect car insurance in Massachusetts?
No. Massachusetts law prohibits insurers from using credit-based insurance scores to set auto insurance premiums. Your credit history can’t affect your rate in Massachusetts. Instead, insurers focus on your driving record, annual mileage, and coverage choices.
Low-income Massachusetts drivers can lower premiums by choosing higher deductibles or adjusting coverage levels.
Our Methodology
We used this profile to determine 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
Sections on cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage is a state's minimum liability coverage. 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.