Average Cost of Car Insurance in Massachusetts (2023)

Massachusetts residents benefit from living in one of the least expensive states for purchasing auto insurance. On average, drivers in Massachusetts pay $154 per month and $1,848 per year in car insurance premiums, which is lower than the national average auto insurance rates. Personal rates vary by factors like driving history, age, marital status, and location in state.

Comparing the wide variety of options available from auto insurance companies before purchasing or renewing an auto insurance policy is a reliable way to discover the best car insurance for your individual insurance needs. With the Insurify quote-comparison tool, you can compare dozens of affordable car insurance quotes from the convenience of your home.

How much does car insurance cost in Massachusetts?

Policyholders in Massachusetts typically pay $154 per month and $1,848 per year on average in auto insurance premiums. Beyond the state average car insurance rates, insurance prices differ depending on insurance provider methodology in calculating rates. Insurance companies in the state typically factor in driving history, age, coverage, marital status, location, and more.

Best Massachusetts Auto Insurance Rates

No one-size-fits-all insurance provider exists. Drivers carry different insurance needs and histories that influence which auto insurance company works best for them. Insurify identified the average premiums from top Massachusetts auto insurance providers to help you jump-start your process of comparing the cheapest rates available.

See More: Best and Worst Sites to Compare Car Insurance

How are insurance rates calculated in Massachusetts?

Insurance rates in the state of Massachusetts fluctuate based on the typical factors associated with car insurance throughout the country. Auto insurers tend to consider recorded driving history, age, marital status, chosen coverage type, deductible, vehicle type, and location within the state. Unlike other states, Massachusetts forbids insurers from considering credit history.

Massachusetts Car Insurance Rates by City

The annual cost of auto insurance in Massachusetts varies from city to city. Area-specific factors, like population, crime rates, weather, and climate, influence premiums. Average rates in Dorchester and Brockton, for instance, are more than rates in Boston and Cambridge. Find the average monthly premiums for the most populated cities in Massachusetts below.

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What is the average cost of car insurance in Massachusetts by credit tier?

Unlike most states, Massachusetts law bans car insurance companies from utilizing credit score history when calculating annual premiums for their auto insurance policyholders. We still identified the average premiums by credit tier in Massachusetts. Based on the data, those with excellent credit pay the most on insurance, perhaps due to ownership of costlier vehicles.

What is the average cost of car insurance in Massachusetts by driver age?

Auto insurance providers give teen drivers and drivers under the age of 25 the highest rates based on age. Young drivers have less driving experience and are more likely to have a car accident or other incident, so insurance companies view them as high-risk drivers. Prices decrease for drivers through their 60s before slightly increasing after they turn 70.

See More: Compare Car Insurance by Age and Gender

What is the average cost of car insurance in Massachusetts by driver gender?

Considering gender as a factor in calculating insurance rates is illegal in Massachusetts, but the data still indicates a slight difference in costs by gender. On average, men in Massachusetts pay $7 more per month than women on auto insurance. Though the cost difference is fairly small, it likely stems from men statistically driving larger and costlier vehicles than women.

What is the average cost of car insurance in Massachusetts by marital status?

Good news for married folks: chances are that you will pay less for car insurance on average than single individuals because auto insurance companies typically view married couples as lower-risk drivers. In Massachusetts, married couples pay $48 less on average than single individuals. An extra $48 a month? Sounds like a potential date night is on the horizon.

What is the average cost of car insurance in Massachusetts for high-risk drivers?

There is no getting around it. High-risk drivers in the Bay State with any recorded DUI, at-fault accident, or speeding ticket will find increased prices. Those with a clean driving record, on the other hand, consistently earn the best rates available. Insurance companies gauge risk levels largely based on driving history, which you will likely learn while speaking to an insurance agent.

See More: Best Cheap Car Insurance for High-Risk Drivers

Massachusetts Car Insurance Rates by Coverage Level

Coverage options range in price. State minimum liability coverage for bodily injury and property damage coverage is the cheapest and prevents you from being an uninsured motorist. Comprehensive coverage is a bit more expensive than liability insurance, while collision coverage and full-coverage car insurance cost around $40 more on average in Massachusetts.

See More: Compare Car Insurance by Coverage

Minimum Car Insurance Requirements in Massachusetts

All motor vehicles operated or parked on Massachusetts roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Massachusetts^[1] are:

• $20,000 per person for bodily injury

• $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Massachusetts is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

• $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $8,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

• $20,000 per person for uninsured/underinsured motorist bodily injury

• $40,000 per accident for uninsured/underinsured motorist bodily injury

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.

Frequently Asked Questions