Average Car Insurance Cost in Massachusetts (2025)

Drivers in Massachusetts pay an average monthly rate of $119 for car insurance, which is similar to the national average of $144.

Massachusetts requires drivers to obtain four types of insurance.1 More cars on the road, higher repair costs, and severe weather all contribute to insurance costs.

As costs for car insurance increase across the board, it’s important to shop around to get the best price. Find out how to get the most competitive car insurance rates in Massachusetts.

How much is car insurance in Massachusetts?

The average cost of car insurance in Massachusetts is $94 per month for liability-only coverage, according to Insurify data. Full-coverage car insurance, which includes comprehensive and collision coverage, costs more, coming in at an average of $145 per month.

On an annual basis, Massachusetts drivers pay an average of $1,126 for liability insurance and $1,740 for full coverage.

Average Massachusetts car insurance rates by city

Massachusetts drivers pay different rates for the same coverage. So whether you live in Boston or Andover, Nantucket or Plymouth, your ZIP code affects your insurance rate. If you live in a densely populated city — or one with high crime rates or frequent car accidents — you’ll likely pay more for your car insurance.2

Average Massachusetts car insurance rates by age and gender

Aside from your driving record, insurance companies consider your age and gender as part of their underwriting criteria. Younger drivers don’t have the same level of experience as older drivers and tend to have more accidents. Plus, teenage drivers have more risk factors, like not wearing a seat belt, speeding, and driving distracted.3

As the chart below shows, a 16-year-old driver pays much more for insurance than a 60-year-old driver. As you age, your rates decrease, and senior drivers have the lowest insurance premiums on average. Historically, men have car accidents more frequently than women, which means males often pay more for car insurance.4

Average cost to insure popular vehicles in Massachusetts

Your vehicle’s make and model can also influence how much you pay for car insurance. In Massachusetts, the most popular vehicles include the Toyota RAV4 and the Honda CR-V. These cars may be more in demand due to their safety features and spacious interiors.

The following vehicles are among the bestselling cars in Massachusetts, according to Edmunds, along with their average monthly insurance costs.

How your driving record affects car insurance rates in Massachusetts

Your driving record largely affects how much you pay for car insurance. If you have a clean record, you’ll usually pay lower premiums. Once you have an infraction on your record, your insurance company will likely raise your rates.

If you have an at-fault accident, your insurance premiums will increase by an average of 43%, according to Insurify data. A speeding ticket increases your rates by an average of 34%, and drivers in Massachusetts with a DUI on their record pay an average of 61% more than drivers with a clean record.

The table below shows average rates for drivers in Massachusetts based on the type of infraction and how much they increase compared to drivers with a clean record.

How to lower your insurance costs in Massachusetts

It can be difficult to find cheap car insurance, but here are some things you can do to lower your insurance costs: