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Last updated: January 7, 2025
Average Cost of Car Insurance in Massachusetts
Car insurance in Massachusetts tends to cost less than in other states.
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With 4.88 million licensed drivers and over 5 million vehicles on the road across the state, Massachusetts is home to a large number of auto insurance policyholders. How much these individuals pay for auto insurance depends on several factors, including your driving history, the city you live in and the type of coverage you choose. Notably, auto insurance companies in Massachusetts cannot use credit scores and other common demographic features to assess premiums.
Average Cost of Car Insurance in Massachusetts
The average annual auto insurance premium for a Massachusetts driver is $1,385 for full coverage and $455 for minimum coverage. These numbers are based on an adult driver with a clean record, so your actual premium may vary—especially if you don’t have an “average” set of circumstances. Massachusetts prohibits insurance companies from denying you auto insurance based on your credit score, so your provider will not account for it in its underwriting.1
By City
All other factors equal, auto insurance tends to be more expensive in cities than in the suburbs or rural areas. Living in one of Massachusetts’s biggest cities—including its capital, Boston—correlates to higher auto insurance rates.
| City | Average annual cost of car insurance |
|---|---|
| Andover | $1,526 |
| Boston | $1,929 |
| Braintree | $2,008 |
| Cambridge | $1,473 |
| Concord | $1,362 |
| Lowell | $1,554 |
| Nantucket | $1,494 |
| Newton | $1,556 |
| Salem | $2,018 |
| Springfield | $1,923 |
| Worcester | $1,766 |
By Age
Massachusetts insurance providers cannot use age as a factor for underwriting, except for drivers aged 65 and older.2 However, the state does allow insurers to consider how long a driver has been licensed, which means younger drivers (due to their lack of experience) still tend to pay higher rates.
| Age | Average annual cost of car insurance |
|---|---|
| 16 | $3,842 |
| 17 | $3,878 |
| 18 | $3,939 |
| 19 | $2,415 |
| 20s | $2,275 |
| 30s | $1,407 |
| 40s | $1,357 |
| 50s | $1,297 |
| 60s | $1,190 |
| 70s | $1,132 |
Did you know?
There are over 30 colleges in Boston and over 100 in the greater Boston area. With so many young drivers on the road, there are bound to be inexperienced and distracted drivers on the road. You’ll want to ensure your coverage is as high as possible.
By Coverage Level
Choosing a higher level of coverage will increase your premium. State minimum coverage provides the cheapest auto insurance rates, but we recommend more coverage if you can afford it. If you financed or leased your vehicle, your lender likely requires you to carry full coverage.
| Coverage level | Average annual cost of car insurance |
|---|---|
| State Minimum | $455 |
| Full Coverage | $1,385 |
By Driving History
Massachusetts drivers are known for road rage and bad driving habits. Your driving history directly impacts your insurance premium. Safe drivers with clean records will pay the lowest premiums, while violations such as speeding tickets, accidents or DUIs can significantly increase your rates.
| Driving history | Average annual cost of car insurance |
|---|---|
| Clean driving record | $1,385 |
| Speeding ticket | $1,528 |
| Accident | $1,972 |
| DUI | $2,253 |
FYI:
In 2021, 27 percent of fatal motor vehicle crashes in Massachusetts involved speeding. Your premiums could increase by 15 to 30 percent after a speeding ticket in Massachusetts.
By Company
State Farm and American Family had cheap average annual auto insurance rates in Massachusetts.
| Company | Average annual cost of car insurance |
|---|---|
| Allstate | $1,741 |
| American Family | $801 |
| GEICO | $1,101 |
| Hanover | $1,339 |
| Plymouth Rock | $1,161 |
| Progressive | $1,447 |
| State Farm | $483 |
| Travelers | $2,004 |
By Car
The make and model of your car can affect your insurance rates. Vehicles with advanced safety features typically cost less to insure, while sports cars or high-end foreign cars may have higher premiums due to their repair costs.
| Car Make/Model | Average annual cost of car insurance |
|---|---|
| Toyota Camry | $1,828 |
| Ford F-150 | $1,633 |
| Honda Odyssey | $1,474 |
| BMW 330i | $2,144 |
| Toyota Prius | $1,894 |
Cheapest Car Insurance in Massachusetts
Here are the cheapest auto insurance rates we found based on different demographics. Your quotes may vary based on several factors, and the cheap option may not be the best auto insurance in Massachusetts.
| Demographic | Provider | Annual rate |
|---|---|---|
| 16 | Plymouth Rock | $4,482 |
| 17 | USAA | $2,917 |
| 18 | Plymouth Rock | $3,838 |
| 19 | Plymouth Rock | $3,426 |
| 20s | GEICO | $1,077 |
| 30s | Safety | $989 |
| 40s | Safety | $989 |
| 50s | Safety | $989 |
| 60s | GEICO | $864 |
| 70s | GEICO | $1,582 |
| Minimum | Vermont Mutual | $198 |
| Full | Preferred Mutual | $964 |
| Clean driving record | Preferred Mutual | $913 |
| Speeding ticket | Vermont Mutual | $263 |
| Accident | Preferred Mutual | $372 |
| DUI | The Hanover | $400 |
| State minimum | Plymouth Rock | $504 |
| Full coverage | GEICO | $1,025 |
How to Save on Car Insurance in Massachusetts
Here are some suggestions for saving money on auto insurance if you drive in Massachusetts:
- Raise your deductible: The higher your deductible, the lower your premium. Your auto insurance deductible is how much you will pay out of pocket before your auto insurance provider pays, so it’s a trade-off.
- Lower your limits: You can legally drive with as low as the minimum coverage required by the state of Massachusetts.
- Ask about discounts: Many insurers offer discounts for bundling home and auto insurance and for maintaining a clean driving record.
Minimum Car Insurance in Massachusetts
As a driver in Massachusetts, you must carry the following minimum auto insurance coverages:
- Bodily injury coverage of $20,000 per person and $40,000 per accident
- Personal injury protection of $8,000 per person per accident
- Uninsured motorist coverage of $20,000 per person and $40,000 per accident
- Property damage coverage of $5,000 per accident3
Fault Law in Massachusetts
Massachusetts operates as a no-fault state, meaning that personal injury protection (PIP) will cover up to 75 percent of medical expenses and lost wages regardless of who caused the accident. This applies to the driver, passengers, pedestrians and anyone else in or around the car. The limit is $8,000.
While you pay your medical expenses, Massachusetts has laws to determine if a driver is more than 50 percent at fault for an accident.4 In that case, individuals involved can sue the at-fault party for non-monetary damages like pain and suffering if they surpass the threshold of $2,000.5
SR-22s
Massachusetts is one of a few states that does not require SR-22 forms after serious violations, like driving without insurance or driving under the influence. The only instance in which Massachusetts requires your insurance company to file this type of certificate of financial responsibility is if you are arrested for a DUI in a neighboring state that does require SR-22s, like Vermont or New Hampshire, but your license and registration are in Massachusetts.6
Recap
In Massachusetts, auto insurance is mandatory, and the state prohibits insurers from discriminating based on credit scores, age, gender, marital status or other demographic factors. As a no-fault state, you’ll need to pay for personal injury protection to cover medical expenses and lost wages. Always research multiple quotes to ensure you get the right coverage at the best price.
Methodology
Our experienced team of researchers investigates the average cost of auto insurance for different demographics. Requests to the auto insurance companies themselves—as well as market research and first-hand anecdotal evidence—inform our recommendations for the best and cheapest auto insurance companies and how much you should expect to pay on average depending on your state of residence.
Minimum coverage averages use state-required limits. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- PIP: $8,000
- Uninsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
Frequently Asked Questions
How much is car insurance per month in Massachusetts?
On average, auto insurance in Massachusetts is $115 per month for full coverage and $38 per month for minimum coverage.
Why is car insurance in Massachusetts so expensive?
Massachusetts is a no-fault state, and no-fault states are typically more expensive environments for purchasing auto insurance policies. However, Massachusetts’s anti-discrimination laws and high minimum coverage requirements help keep auto insurance prices low in the state, below the national average.
When did car insurance become mandatory in Massachusetts?
Car insurance became mandatory in Massachusetts in 1925. Massachusetts was the first state to write mandatory auto insurance into law.
Can someone without insurance drive my car in Massachusetts?
Yes, someone without insurance can drive your car in Massachusetts if you give them permission as long as your car is insured. In Massachusetts, auto insurance typically follows the car, not the driver. However, if the driver is at fault in an accident, your insurance policy would cover the damages and it could affect your premiums. It’s important to ensure the driver has a valid license and to check with your insurer for any specific restrictions. If your car is uninsured, penalties include fines of $500 to $5,000 and license and registration suspensions.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Massachusetts Consumer Bill of Rights for Automobile Insurance. Mass.gov. (2025).
https://www.mass.gov/info-details/massachusetts-consumer-bill-of-rights-for-automobile-insuranceBasics of Auto Insurance. Mass.gov. (2025).
https://www.mass.gov/info-details/basics-of-auto-insuranceUnderstanding Auto Insurance. Mass.gov. (2025).
https://www.mass.gov/info-details/understanding-auto-insuranceStandards of Fault to be Used by the Board of Appeal on Motor Vehicle Liability Policies and Bonds and Insurers in Presuming Fault When Making At Fault Accident Determinations. Mass.gov. (2025).
https://www.mass.gov/info-details/standards-of-fault-to-be-used-by-the-board-of-appeal-on-motor-vehicle-liability-policies-and-bonds-and-insurers-in-presuming-fault-when-making-at-fault-accident-determinationsStandards of Fault to be Used by the Board of Appeal on Motor Vehicle Liability Policies and Bonds and Insurers in Presuming Fault When Making At Fault Accident Determinations. Mass.gov. (2025).
https://www.mass.gov/info-details/standards-of-fault-to-be-used-by-the-board-of-appeal-on-motor-vehicle-liability-policies-and-bonds-and-insurers-in-presuming-fault-when-making-at-fault-accident-determinationsHow Do I Know Who Is At Fault in a Car Accident in Massachusetts? DiBella Law. (2019, Jun 6).
https://www.dibellalawoffice.com/faqs/who-is-at-fault-accident-massachusetts/SR-22 Financial Responsibility in Massachusetts. Framingham Hardship License Lawyer. (2025).
https://masshardshiplicense.com/massachusetts-dui-suspensions/sr-22-financial-responsibility/
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