Here are essential tips to help you shop for car insurance in Massachusetts with confidence and save.
Car Insurance Calculator Massachusetts
Updated: May 12, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
May 20, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Massachusetts will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Massachusetts can range anywhere from $483 to $2,001 per year depending on a variety of factors.
To get the best deal on Massachusetts car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Massachusetts Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Before shopping for car insurance, determine your coverage needs to avoid unnecessary expenses. Consider factors such as your location, driving habits, vehicle and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Research average car insurance costs in Massachusetts based on your chosen coverage level and driver profile. This helps you understand potential savings when comparing quotes. Look for discounts you might qualify for to maximize personal savings.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, seek estimates from providers before requesting quotes. This approach helps identify where to start when comparing and who might offer the cheapest car insurance in Massachusetts.
Compare Multiple Providers Through Many Avenues
Comparing providers can lead to significant savings in Massachusetts. Potential savings can reach up to 54% on full coverage and 57% on minimum coverage. Use various resources like comparison sites, independent brokers, insurer websites, and direct agencies for the best price.
Take Advantage of Massachusetts-Specific Programs
If you're a high-risk driver, Massachusetts requires classes and programs to reinstate your driver's license. These programs may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less. Telematics insurance, offered by many companies, tracks driving habits and provides discounts for good driving, up to 40%. Automaker insurance programs may also offer savings and additional benefits.
What Affects Your Massachusetts Car Insurance Estimates?
Your car insurance premium in Massachusetts is calculated based on four core areas: vehicle details, your driver profile, location and the provider you choose. Click on the links below to learn how each factor affects rates for Massachusetts drivers:
How Much Does Provider Chosen Affect Massachusetts Car Insurance Estimates?
The provider you choose is the most influential factor affecting the car insurance estimates and quotes in Massachusetts. Depending on the provider, your rates can drop 59% or increase by as much as 68% compared to the average for Massachusetts drivers.
| Lowest | State Farm | $40 | $483 |
| Highest | Travelers | $167 | $2,001 |
How Much Does Age Affect Massachusetts Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Massachusetts drivers. Depending on your age, your rates can go up as much as 82% or decrease by as much as 44% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $83 | $992 |
| Highest | 16 | $333 | $3,995 |
How Much Does Coverage Affect Massachusetts Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in Massachusetts, causing rates to vary anywhere from $499 per year for minimum coverage to $1,460 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $42 | $499 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $122 | $1,460 |
How Much Does Driving Record Affect Massachusetts Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Massachusetts with rates changing up to 28%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $99 | $1,193 |
| Highest | DUI - BAC >= .08 | $181 | $2,176 |
Massachusetts Car Insurance Calculator: Bottom Line
We recommend you look into costs, coverage types and insurers first. Then use our car insurance calculator for price estimates. After, gather lots of quotes and compare them with our figures. Match them up to find the best, affordable plan for you.
Massachusetts Car Insurance Estimate: FAQ
Below you will find answers to common questions about Massachusetts car insurance costs and estimates:
What is used to determine Massachusetts car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Massachusetts car insurance on average?
Massachusetts car insurance averages from $48 per month to up to $282 monthly on average. Depending on your unique profile and coverage chosen, car insurance can range anywhere from $50 per month to up to $400 monthly on average.
How do I get the best car insurance in Massachusetts?
To secure the best car insurance in Massachusetts, assess your coverage needs, compare rates and providers and utilize an online insurance estimate tool for optimal pricing.
Our Massachusetts Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.