Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Average cost of car insurance in Massachusetts for 2025
Edited by
Reviewed by
Edited by
Reviewed by
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Massachusetts?
Car insurance premiums have risen across the country, and Massachusetts is no exception. Drivers in the state pay an average of $2,089 for full coverage and $535 for minimum coverage per year. While that’s still below the national averages of $2,670 and $773, respectively, you might wonder how you can save on car insurance. Bankrate’s insurance editorial team covers the ins and outs of what determines your insurance premium and offers strategies you might use to save on the coverage you need.
Key takeaways
- The average car insurance cost in Massachusetts is $2,089 for full coverage and $535 for minimum coverage per year.
- Massachusetts average car insurance rates are lower than the national average of $2,670 per year for full coverage and $773 for minimum coverage.
- Newton is one of the cheapest cities for the cost of car insurance in Massachusetts, while Lowell is one of the most expensive at $2,086 per year.
- A speeding ticket in Massachusetts averages a rate increase of about 29 percent more.
What would you like to do today?
Massachusetts car insurance rates by city
How much car insurance is in Massachusetts can vary by city. In addition to each city’s population and crash statistics, variations in rates by city can also be attributed to driving patterns, theft and vandalism rates, claim frequency, repair costs and more. Below are full coverage rates for several cities in the commonwealth and how they compare to the state average.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|---|
| Leverett | $125 | $1,505 | -33% |
| Richmond | $138 | $1,654 | -23% |
| Worcester | $201 | $2,407 | +14% |
| Andover | $139 | $1,665 | -23% |
| Boston | $207 | $2,479 | +17% |
| Newton | $154 | $1,849 | -12% |
| North Dartmouth | $168 | $2,014 | -4% |
| Northampton | $132 | $1,584 | -27% |
| Beverly | $149 | $1,789 | -16% |
| Monponsett | $166 | $1,992 | -5% |
| Nantucket | $136 | $1,632 | -25% |
| North Reading | $148 | $1,779 | -16% |
| Becket | $133 | $1,599 | -27% |
| Bernardston | $117 | $1,409 | -39% |
| Warwick | $120 | $1,441 | -37% |
| Oxford | $147 | $1,764 | -17% |
| Boxborough | $143 | $1,713 | -20% |
| Waverley | $169 | $2,022 | -3% |
| Pocasset | $163 | $1,956 | -7% |
| Somerville | $187 | $2,246 | +7% |
| Buzzards Bay | $146 | $1,749 | -18% |
| Cotuit | $163 | $1,960 | -6% |
| Southfield | $141 | $1,687 | -21% |
| Leicester | $162 | $1,947 | -7% |
| Winchester | $140 | $1,681 | -22% |
| Revere | $264 | $3,172 | +41% |
| East Wareham | $166 | $1,990 | -5% |
| East Dennis | $150 | $1,803 | -15% |
| Shutesbury | $132 | $1,582 | -28% |
| North Brookfield | $134 | $1,608 | -26% |
| Swampscott | $173 | $2,070 | -1% |
| Rockport | $134 | $1,604 | -26% |
| South Dartmouth | $161 | $1,928 | -8% |
| Adams | $135 | $1,619 | -25% |
| Sudbury | $126 | $1,507 | -32% |
| Wellfleet | $121 | $1,450 | -36% |
| South Barre | $161 | $1,931 | -8% |
| Salem | $185 | $2,221 | +6% |
| East Bridgewater | $157 | $1,886 | -10% |
| East Falmouth | $154 | $1,850 | -12% |
| Marion | $154 | $1,852 | -12% |
| West Springfield | $176 | $2,115 | +1% |
| Paxton | $163 | $1,957 | -7% |
| Lawrence | $214 | $2,566 | +21% |
| Onset | $178 | $2,137 | +2% |
| Dennis Port | $135 | $1,622 | -25% |
| Devens | $130 | $1,564 | -29% |
| Framingham | $172 | $2,061 | -1% |
| Concord | $123 | $1,480 | -34% |
| Georgetown | $153 | $1,836 | -13% |
| South Wellfleet | $155 | $1,865 | -11% |
| Seekonk | $151 | $1,807 | -14% |
| Chicopee | $167 | $2,001 | -4% |
| Athol | $135 | $1,619 | -25% |
| Westminster | $131 | $1,571 | -28% |
| North Uxbridge | $162 | $1,947 | -7% |
| Monroe Bridge | $132 | $1,579 | -28% |
| Taunton | $173 | $2,078 | -1% |
| Village Of Nagog Woods | $142 | $1,700 | -21% |
| South Carver | $168 | $2,012 | -4% |
| Turners Falls | $123 | $1,472 | -35% |
| Groton | $140 | $1,674 | -22% |
| North Chelmsford | $146 | $1,754 | -17% |
| Amesbury | $135 | $1,623 | -25% |
| Braintree | $184 | $2,203 | +5% |
| Millers Falls | $139 | $1,673 | -22% |
| Sterling | $141 | $1,695 | -21% |
| Kingston | $161 | $1,937 | -8% |
| South Hadley | $142 | $1,702 | -20% |
| Ashley Falls | $141 | $1,694 | -21% |
| Dover | $141 | $1,695 | -21% |
| Dorchester Center | $285 | $3,419 | +48% |
| Middleboro | $155 | $1,855 | -12% |
| Belmont | $139 | $1,672 | -22% |
| Mattapoisett | $155 | $1,859 | -12% |
| Lee | $121 | $1,450 | -36% |
| Cherry Valley | $164 | $1,964 | -6% |
| Stoneham | $166 | $1,994 | -5% |
| Oak Bluffs | $138 | $1,656 | -23% |
| Dennis | $133 | $1,590 | -27% |
| Rockland | $183 | $2,192 | +5% |
| Barnstable | $161 | $1,933 | -8% |
| Norton | $151 | $1,812 | -14% |
| Springfield | $216 | $2,591 | +21% |
| Cambridge | $169 | $2,029 | -3% |
| East Orleans | $140 | $1,685 | -21% |
| Amherst | $148 | $1,771 | -16% |
| Longmeadow | $145 | $1,735 | -19% |
| Southwick | $157 | $1,883 | -10% |
| Lenox Dale | $153 | $1,832 | -13% |
| Upton | $143 | $1,717 | -20% |
| Plympton | $154 | $1,842 | -13% |
| Orleans | $137 | $1,641 | -24% |
| Westport | $150 | $1,803 | -15% |
| West Boylston | $138 | $1,650 | -23% |
| West Boxford | $160 | $1,917 | -9% |
| Canton | $170 | $2,044 | -2% |
| Maynard | $142 | $1,701 | -20% |
| Newburyport | $144 | $1,726 | -19% |
| Goshen | $119 | $1,433 | -37% |
| Prides Crossing | $156 | $1,877 | -11% |
| Erving | $135 | $1,624 | -25% |
| Shirley | $133 | $1,600 | -26% |
| Wareham | $164 | $1,972 | -6% |
| Charlton | $145 | $1,742 | -18% |
| Sutton | $144 | $1,723 | -19% |
| Hopkinton | $128 | $1,534 | -31% |
| Hinsdale | $130 | $1,556 | -29% |
| Royalston | $131 | $1,567 | -29% |
| Grafton | $154 | $1,848 | -12% |
| West Roxbury | $190 | $2,277 | +9% |
| Arlington | $145 | $1,737 | -18% |
| Marstons Mills | $149 | $1,785 | -16% |
| Brockton | $260 | $3,121 | +40% |
| Elmwood | $180 | $2,160 | +3% |
| Waltham | $164 | $1,971 | -6% |
| Westfield | $135 | $1,619 | -25% |
| Windsor | $142 | $1,699 | -21% |
| Manomet | $169 | $2,027 | -3% |
| Plymouth | $190 | $2,283 | +9% |
| Hubbardston | $146 | $1,753 | -17% |
| Hardwick | $145 | $1,740 | -18% |
| West Warren | $154 | $1,846 | -12% |
| Newton Center | $169 | $2,023 | -3% |
| Cataumet | $163 | $1,956 | -7% |
| Centerville | $163 | $1,960 | -6% |
| Indian Orchard | $213 | $2,557 | +20% |
| Monterey | $138 | $1,651 | -23% |
| Orange | $131 | $1,571 | -28% |
| Bridgewater | $168 | $2,012 | -4% |
| Hanson | $152 | $1,818 | -14% |
| Brimfield | $133 | $1,600 | -27% |
| West Stockbridge | $127 | $1,521 | -31% |
| East Princeton | $153 | $1,837 | -13% |
| New Braintree | $125 | $1,503 | -33% |
| Norfolk | $150 | $1,797 | -15% |
| Williamstown | $135 | $1,623 | -25% |
| Wakefield | $155 | $1,864 | -11% |
| North Weymouth | $176 | $2,109 | +1% |
| New Bedford | $201 | $2,414 | +14% |
| Nutting Lake | $163 | $1,958 | -6% |
| Colrain | $127 | $1,519 | -32% |
| Northfield | $135 | $1,620 | -25% |
| Rutland | $154 | $1,852 | -12% |
| Danvers | $150 | $1,800 | -15% |
| North Easton | $178 | $2,135 | +2% |
| Ashburnham | $130 | $1,554 | -29% |
| Shrewsbury | $149 | $1,794 | -15% |
| Essex | $135 | $1,625 | -25% |
| Westborough | $154 | $1,851 | -12% |
| Lowell | $174 | $2,086 | -0% |
| Green Harbor | $170 | $2,041 | -2% |
| Blackstone | $154 | $1,850 | -12% |
| Somerset | $166 | $1,995 | -5% |
| Housatonic | $146 | $1,754 | -17% |
| Sandisfield | $122 | $1,460 | -35% |
| Fayville | $148 | $1,778 | -16% |
| Hathorne | $152 | $1,818 | -14% |
| Norwell | $145 | $1,742 | -18% |
| East Freetown | $150 | $1,802 | -15% |
| Gill | $137 | $1,641 | -24% |
| Wendell | $136 | $1,630 | -25% |
| Sagamore | $163 | $1,956 | -7% |
| Eastham | $137 | $1,642 | -24% |
| Northbridge | $138 | $1,653 | -23% |
| Southborough | $131 | $1,576 | -28% |
| Roxbury Crossing | $300 | $3,598 | +53% |
| Attleboro | $149 | $1,789 | -15% |
| Russell | $134 | $1,614 | -26% |
| Pittsfield | $134 | $1,608 | -26% |
| Berlin | $144 | $1,723 | -19% |
| South Grafton | $154 | $1,844 | -12% |
| Saugus | $202 | $2,424 | +15% |
| Wayland | $141 | $1,688 | -21% |
| Hyde Park | $254 | $3,050 | +37% |
| Still River | $150 | $1,795 | -15% |
| Chartley | $172 | $2,066 | -1% |
| Lenox | $121 | $1,447 | -36% |
| South Egremont | $124 | $1,485 | -34% |
| Lancaster | $136 | $1,637 | -24% |
| Sturbridge | $150 | $1,802 | -15% |
| Scituate | $156 | $1,873 | -11% |
| Ware | $133 | $1,597 | -27% |
| Millville | $150 | $1,797 | -15% |
| Woronoco | $159 | $1,907 | -9% |
| Natick | $143 | $1,718 | -19% |
| Needham Heights | $143 | $1,714 | -20% |
| Woods Hole | $154 | $1,850 | -12% |
| Harwich Port | $147 | $1,769 | -17% |
| Great Barrington | $126 | $1,510 | -32% |
| Chester | $128 | $1,534 | -31% |
| Gilbertville | $145 | $1,740 | -18% |
| Plainfield | $137 | $1,648 | -24% |
| Otis | $139 | $1,663 | -23% |
| Ayer | $135 | $1,615 | -26% |
| Gloucester | $146 | $1,755 | -17% |
| Hingham | $163 | $1,953 | -7% |
| Quincy | $186 | $2,237 | +7% |
| South Lee | $141 | $1,687 | -21% |
| Charlton Depot | $154 | $1,851 | -12% |
| Princeton | $125 | $1,496 | -33% |
| Acton | $142 | $1,700 | -21% |
| Sheldonville | $159 | $1,906 | -9% |
| Randolph | $228 | $2,733 | +27% |
| West Newton | $171 | $2,047 | -2% |
| Westford | $142 | $1,707 | -20% |
| Granby | $140 | $1,680 | -22% |
| Cohasset | $162 | $1,945 | -7% |
| Swansea | $150 | $1,804 | -15% |
| New Salem | $121 | $1,456 | -36% |
| Methuen | $171 | $2,052 | -2% |
| Harvard | $125 | $1,496 | -33% |
| Chelmsford | $135 | $1,623 | -25% |
| East Walpole | $153 | $1,832 | -13% |
| East Taunton | $174 | $2,090 | +0% |
| Gardner | $135 | $1,621 | -25% |
| Jefferson | $156 | $1,870 | -11% |
| North Billerica | $147 | $1,769 | -17% |
| Ocean Bluff | $175 | $2,098 | +0% |
| Dorchester | $291 | $3,493 | +50% |
| Everett | $237 | $2,842 | +31% |
| Sunderland | $131 | $1,571 | -28% |
| Townsend | $123 | $1,482 | -34% |
| Mansfield | $140 | $1,680 | -22% |
| Lakeville | $147 | $1,762 | -17% |
| Brookline | $167 | $2,005 | -4% |
| Watertown | $161 | $1,937 | -8% |
| West Tisbury | $138 | $1,659 | -23% |
| Brookline Village | $177 | $2,120 | +1% |
| Newton Lower Falls | $156 | $1,867 | -11% |
| East Sandwich | $153 | $1,839 | -13% |
| North Truro | $147 | $1,761 | -17% |
| West Brookfield | $123 | $1,482 | -34% |
| Hull | $181 | $2,177 | +4% |
| Barre | $152 | $1,823 | -14% |
| Uxbridge | $127 | $1,525 | -31% |
| Boxford | $139 | $1,668 | -22% |
| Osterville | $163 | $1,960 | -6% |
| North Dighton | $152 | $1,821 | -14% |
| Wilbraham | $145 | $1,738 | -18% |
| Dunstable | $146 | $1,755 | -17% |
| Newbury | $128 | $1,534 | -31% |
| North Hatfield | $151 | $1,810 | -14% |
| Dalton | $119 | $1,432 | -37% |
| Stoughton | $193 | $2,313 | +10% |
| Medford | $184 | $2,208 | +6% |
| Chestnut Hill | $199 | $2,387 | +13% |
| Acushnet | $173 | $2,073 | -1% |
| Mill River | $150 | $1,799 | -15% |
| Manchaug | $192 | $2,309 | +10% |
| Wellesley | $134 | $1,611 | -26% |
| Sagamore Beach | $148 | $1,780 | -16% |
| Siasconset | $140 | $1,676 | -22% |
| Lunenburg | $147 | $1,759 | -17% |
| South Harwich | $156 | $1,867 | -11% |
| Leeds | $151 | $1,815 | -14% |
| Worthington | $142 | $1,703 | -20% |
| Drury | $127 | $1,522 | -31% |
| Pepperell | $143 | $1,717 | -20% |
| Haverhill | $172 | $2,068 | -1% |
| Lynn | $240 | $2,880 | +32% |
| Brant Rock | $167 | $2,001 | -4% |
| North Marshfield | $170 | $2,039 | -2% |
| Wrentham | $141 | $1,693 | -21% |
| Bryantville | $169 | $2,025 | -3% |
| Rochester | $141 | $1,689 | -21% |
| Duxbury | $141 | $1,687 | -21% |
| Whitman | $179 | $2,149 | +3% |
| South Orleans | $155 | $1,865 | -11% |
| Millbury | $150 | $1,802 | -15% |
| Mendon | $144 | $1,733 | -19% |
| Burlington | $161 | $1,928 | -8% |
| Sandwich | $138 | $1,659 | -23% |
| Belchertown | $133 | $1,597 | -27% |
| Milton Village | $215 | $2,576 | +21% |
| Auburndale | $156 | $1,867 | -11% |
| Littleton | $141 | $1,686 | -21% |
| Waban | $169 | $2,023 | -3% |
| Harwich | $131 | $1,577 | -28% |
| Tyngsboro | $144 | $1,723 | -19% |
| Bellingham | $139 | $1,666 | -23% |
| Jamaica Plain | $214 | $2,572 | +21% |
| Wales | $133 | $1,597 | -27% |
| East Brookfield | $137 | $1,639 | -24% |
| Forestdale | $138 | $1,659 | -23% |
| Rochdale | $164 | $1,964 | -6% |
| South Walpole | $153 | $1,834 | -13% |
| Oakham | $132 | $1,582 | -28% |
| Greenbush | $168 | $2,017 | -4% |
| Walpole | $162 | $1,946 | -7% |
| West Medford | $161 | $1,937 | -8% |
| South Dennis | $135 | $1,622 | -25% |
| Huntington | $132 | $1,580 | -28% |
| Palmer | $141 | $1,691 | -21% |
| Warren | $151 | $1,814 | -14% |
| North Egremont | $150 | $1,797 | -15% |
| Roslindale | $231 | $2,770 | +28% |
| Vineyard Haven | $142 | $1,701 | -20% |
| Heath | $147 | $1,761 | -17% |
| Holden | $155 | $1,854 | -12% |
| Mashpee | $147 | $1,769 | -17% |
| South Yarmouth | $143 | $1,716 | -20% |
| Truro | $126 | $1,518 | -32% |
| Cuttyhunk | $143 | $1,721 | -19% |
| Marlborough | $148 | $1,780 | -16% |
| Wellesley Hills | $137 | $1,642 | -24% |
| Stockbridge | $143 | $1,710 | -20% |
| West Newbury | $124 | $1,483 | -34% |
| Hanover | $149 | $1,793 | -15% |
| Brewster | $120 | $1,443 | -37% |
| West Hyannisport | $149 | $1,785 | -16% |
| Clinton | $148 | $1,772 | -16% |
| Dracut | $150 | $1,795 | -15% |
| Byfield | $130 | $1,563 | -29% |
| Hatfield | $137 | $1,642 | -24% |
| Thorndike | $162 | $1,941 | -7% |
| Woburn | $159 | $1,912 | -9% |
| Mattapan | $274 | $3,288 | +45% |
| Holyoke | $186 | $2,226 | +6% |
| West Townsend | $143 | $1,722 | -19% |
| Weymouth | $175 | $2,096 | +0% |
| South Easton | $163 | $1,959 | -6% |
| South Chatham | $122 | $1,469 | -35% |
| East Otis | $144 | $1,726 | -19% |
| Tewksbury | $148 | $1,777 | -16% |
| Salisbury | $157 | $1,884 | -10% |
| Minot | $170 | $2,037 | -3% |
| Fall River | $202 | $2,423 | +15% |
| Westwood | $148 | $1,777 | -16% |
| South Weymouth | $176 | $2,109 | +1% |
| Berkshire | $145 | $1,736 | -18% |
| West Groton | $143 | $1,712 | -20% |
| Milton | $180 | $2,165 | +4% |
| Halifax | $165 | $1,985 | -5% |
| Abington | $181 | $2,169 | +4% |
| Cummington | $118 | $1,419 | -38% |
| Florence | $135 | $1,621 | -25% |
| Middlefield | $143 | $1,718 | -20% |
| Buckland | $136 | $1,628 | -25% |
| Southampton | $144 | $1,733 | -19% |
| Lake Pleasant | $143 | $1,714 | -20% |
| South Deerfield | $139 | $1,673 | -22% |
| Holliston | $155 | $1,856 | -12% |
| Rowley | $136 | $1,634 | -24% |
| Melrose | $170 | $2,041 | -2% |
| Raynham | $155 | $1,858 | -12% |
| Easthampton | $128 | $1,533 | -31% |
| Ashland | $152 | $1,826 | -13% |
| Provincetown | $140 | $1,679 | -22% |
| Bondsville | $154 | $1,851 | -12% |
| Northborough | $128 | $1,539 | -30% |
| Sherborn | $135 | $1,621 | -25% |
| Lanesboro | $122 | $1,467 | -35% |
| Chilmark | $123 | $1,470 | -35% |
| Allston | $196 | $2,351 | +12% |
| Milford | $148 | $1,779 | -16% |
| North Waltham | $173 | $2,074 | -1% |
| West Yarmouth | $157 | $1,888 | -10% |
| Feeding Hills | $153 | $1,835 | -13% |
| Whately | $135 | $1,624 | -25% |
| Linwood | $193 | $2,311 | +10% |
| Topsfield | $147 | $1,767 | -17% |
| West Hatfield | $130 | $1,564 | -29% |
| Savoy | $120 | $1,439 | -37% |
| Wilmington | $159 | $1,907 | -9% |
| Newtonville | $169 | $2,023 | -3% |
| Berkley | $153 | $1,836 | -13% |
| Shelburne Falls | $122 | $1,458 | -36% |
| Groveland | $152 | $1,827 | -13% |
| Arlington Heights | $161 | $1,931 | -8% |
| Norwood | $162 | $1,943 | -7% |
| Cummaquid | $163 | $1,960 | -6% |
| Monson | $134 | $1,614 | -26% |
| Templeton | $123 | $1,474 | -35% |
| North Grafton | $147 | $1,764 | -17% |
| Nahant | $184 | $2,203 | +5% |
| Montague | $136 | $1,634 | -24% |
| Billerica | $147 | $1,762 | -17% |
| Readville | $253 | $3,036 | +37% |
| Newton Upper Falls | $169 | $2,023 | -3% |
| Hadley | $138 | $1,652 | -23% |
| Hopedale | $138 | $1,657 | -23% |
| East Templeton | $153 | $1,837 | -13% |
| Holland | $131 | $1,570 | -28% |
| Spencer | $164 | $1,973 | -6% |
| Dighton | $163 | $1,959 | -6% |
| Marblehead | $149 | $1,785 | -16% |
| South Hamilton | $135 | $1,617 | -25% |
| Sharon | $159 | $1,908 | -9% |
| Attleboro Falls | $142 | $1,705 | -20% |
| North Adams | $124 | $1,489 | -34% |
| Douglas | $137 | $1,638 | -24% |
| East Weymouth | $187 | $2,241 | +7% |
| Glendale | $145 | $1,740 | -18% |
| Ashby | $132 | $1,583 | -28% |
| Winchendon Springs | $153 | $1,833 | -13% |
| White Horse Beach | $169 | $2,030 | -3% |
| New Town | $173 | $2,070 | -1% |
| Auburn | $152 | $1,823 | -14% |
| Southbridge | $163 | $1,962 | -6% |
| Webster | $157 | $1,888 | -10% |
| Wenham | $135 | $1,621 | -25% |
| Foxboro | $157 | $1,883 | -10% |
| Medway | $129 | $1,552 | -30% |
| Conway | $137 | $1,644 | -24% |
| Petersham | $140 | $1,677 | -22% |
| Chatham | $137 | $1,645 | -24% |
| Rehoboth | $147 | $1,761 | -17% |
| Rowe | $117 | $1,406 | -39% |
| Charlemont | $119 | $1,425 | -38% |
| North Carver | $241 | $2,890 | +32% |
| West Harwich | $131 | $1,577 | -28% |
| Brookfield | $137 | $1,647 | -24% |
| Dedham | $169 | $2,030 | -3% |
| Brighton | $195 | $2,334 | +11% |
| Newton Highlands | $169 | $2,023 | -3% |
| Manchester | $143 | $1,717 | -20% |
| Marshfield | $161 | $1,928 | -8% |
| Chelsea | $259 | $3,103 | +39% |
| West Wareham | $166 | $1,990 | -5% |
| West Barnstable | $163 | $1,960 | -6% |
| Plainville | $145 | $1,738 | -18% |
| Medfield | $146 | $1,751 | -18% |
| Hyannis | $149 | $1,785 | -16% |
| West Dennis | $135 | $1,622 | -25% |
| Hampden | $145 | $1,740 | -18% |
| Sheffield | $138 | $1,657 | -23% |
| Ashfield | $136 | $1,630 | -25% |
| North Oxford | $163 | $1,959 | -6% |
| Whitinsville | $140 | $1,680 | -22% |
| Lynnfield | $174 | $2,085 | -0% |
| North Attleboro | $141 | $1,693 | -21% |
| Hudson | $137 | $1,644 | -24% |
| Woodville | $175 | $2,097 | +0% |
| Chesterfield | $119 | $1,432 | -37% |
| Carver | $158 | $1,898 | -10% |
| Lexington | $138 | $1,655 | -23% |
| Ludlow | $167 | $2,008 | -4% |
| Greenfield | $127 | $1,520 | -32% |
| Baldwinville | $126 | $1,513 | -32% |
| Lincoln | $135 | $1,623 | -25% |
| West Chop | $142 | $1,706 | -20% |
| Holbrook | $192 | $2,306 | +10% |
| Nonantum | $169 | $2,023 | -3% |
| Menemsha | $142 | $1,700 | -21% |
| Hyannis Port | $149 | $1,787 | -16% |
| Blandford | $133 | $1,590 | -27% |
| Franklin | $149 | $1,783 | -16% |
| Millis | $146 | $1,748 | -18% |
| Avon | $194 | $2,333 | +11% |
| Needham | $140 | $1,684 | -21% |
| Wheelwright | $154 | $1,844 | -12% |
| East Longmeadow | $163 | $1,958 | -6% |
| Leominster | $145 | $1,741 | -18% |
| Dudley | $154 | $1,852 | -12% |
| Bedford | $137 | $1,649 | -24% |
| Reading | $138 | $1,653 | -23% |
| Falmouth | $152 | $1,820 | -14% |
| Williamsburg | $137 | $1,649 | -24% |
| Hanscom Afb | $141 | $1,689 | -21% |
| Charlestown | $235 | $2,817 | +30% |
| West Bridgewater | $179 | $2,144 | +3% |
| Weston | $141 | $1,687 | -21% |
| Bolton | $130 | $1,561 | -29% |
| Silver Beach | $155 | $1,864 | -11% |
| Yarmouth Port | $143 | $1,716 | -20% |
| West Chesterfield | $148 | $1,771 | -17% |
| Carlisle | $141 | $1,689 | -21% |
| Pembroke | $156 | $1,876 | -11% |
| Agawam | $154 | $1,850 | -12% |
| Stow | $124 | $1,484 | -34% |
| Merrimac | $136 | $1,628 | -25% |
| Ipswich | $134 | $1,611 | -26% |
| North Falmouth | $140 | $1,683 | -22% |
| Peabody | $172 | $2,059 | -1% |
| Roxbury | $305 | $3,656 | +55% |
| Assonet | $166 | $1,988 | -5% |
| Middleton | $166 | $1,996 | -5% |
| Winthrop | $225 | $2,697 | +25% |
| Edgartown | $138 | $1,659 | -23% |
| Westport Point | $167 | $2,003 | -4% |
| Haydenville | $124 | $1,491 | -33% |
| Three Rivers | $144 | $1,722 | -19% |
| Cheshire | $118 | $1,414 | -39% |
| Wendell Depot | $139 | $1,672 | -22% |
| Fairhaven | $173 | $2,072 | -1% |
| Fitchburg | $156 | $1,878 | -11% |
| North Andover | $148 | $1,780 | -16% |
| Winchendon | $150 | $1,805 | -15% |
| Accord | $164 | $1,969 | -6% |
| Fiskdale | $134 | $1,607 | -26% |
| Deerfield | $118 | $1,412 | -39% |
| Boylston | $140 | $1,675 | -22% |
| North Chatham | $141 | $1,691 | -21% |
| Charlton City | $154 | $1,851 | -12% |
| Granville | $133 | $1,600 | -26% |
| West Millbury | $164 | $1,967 | -6% |
| Humarock | $173 | $2,074 | -1% |
| Malden | $226 | $2,713 | +26% |
| Babson Park | $173 | $2,080 | -0% |
Average car insurance costs by age and gender in Massachusetts
Age and gender are not allowed to be used by insurance companies as a factor in Massachusetts car insurance rates. However, years of driving experience can affect car insurance rates in Massachusetts, which is why the rates in the table below differ by age. As you can see, drivers 20 and under typically pay more for car insurance than drivers over the age of 25. The more experience you have behind the wheel, the less you may pay for car insurance in Massachusetts.
|
|
|
|
|---|---|---|
|
Age 16*
|
Avg. monthly full coverage premium in Massachusetts
$382
|
Avg. annual full coverage premium in Massachusetts
$4,582
|
|
Age 18
|
Avg. monthly full coverage premium in Massachusetts
$555
|
Avg. annual full coverage premium in Massachusetts
$6,661
|
|
Age 20
|
Avg. monthly full coverage premium in Massachusetts
$387
|
Avg. annual full coverage premium in Massachusetts
$4,643
|
|
Age 25
|
Avg. monthly full coverage premium in Massachusetts
$205
|
Avg. annual full coverage premium in Massachusetts
$2,457
|
|
Age 30
|
Avg. monthly full coverage premium in Massachusetts
$188
|
Avg. annual full coverage premium in Massachusetts
$2,252
|
|
Age 40
|
Avg. monthly full coverage premium in Massachusetts
$174
|
Avg. annual full coverage premium in Massachusetts
$2,087
|
|
Age 50
|
Avg. monthly full coverage premium in Massachusetts
$163
|
Avg. annual full coverage premium in Massachusetts
$1,951
|
|
Age 60
|
Avg. monthly full coverage premium in Massachusetts
$159
|
Avg. annual full coverage premium in Massachusetts
$1,911
|
|
Age 70
|
Avg. monthly full coverage premium in Massachusetts
$143
|
Avg. annual full coverage premium in Massachusetts
$1,719
|
Bankrate’s take: Gender is not used to determine auto insurance rates in Massachusetts due to state regulations. However, in many states men pay marginally higher premiums because they are more likely to be in serious accidents.
Cost considerations for young drivers in Massachusetts
While it can be quite expensive for parents to add a teen to their auto insurance policy, it’s less expensive than a young driver purchasing their own policy. Young people can usually stay on their parents’ policy as long as they are still living at the same address.
|
|
|
|---|---|
|
Age 16
|
Avg. annual premium for drivers in MA
$4,582
|
|
Age 17
|
Avg. annual premium for drivers in MA
$4,270
|
|
Age 18
|
Avg. annual premium for drivers in MA
$4,069
|
|
Age 19
|
Avg. annual premium for drivers in MA
$3,274
|
|
Age 20
|
Avg. annual premium for drivers in MA
$3,108
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in MA
$6,661
|
|
Age 19
|
Avg. annual premium for drivers in MA
$4,943
|
|
Age 20
|
Avg. annual premium for drivers in MA
$4,643
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 55 percent more |
| Age 19 | 45 percent more |
| Age 20 | 41 percent more |
How does driving record impact the cost of car insurance in Massachusetts?
One of the most critical factors in determining the cost of car insurance is your driving history. Drivers with a moving violation, like a speeding ticket or DUI on their driving record, generally incur a surcharge on their auto insurance policy for at least three years. For drivers with repeat infractions on their record, some car insurance companies may even deny coverage. For drivers having difficulty securing coverage, there are carriers that specialize in high-risk auto insurance.
The table below shows an estimate of how much each incident could affect the average cost of car insurance in Massachusetts, but your final premium will vary depending on the frequency and severity of incidents, as well as each company’s underwriting process.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in Massachusetts
$2,089
|
Percentage increase from Massachusetts avg. annual premium*
0%
|
|
Avg. annual premium* in Massachusetts
$2,704
|
Percentage increase from Massachusetts avg. annual premium*
29%
|
|
|
Avg. annual premium* in Massachusetts
$3,375
|
Percentage increase from Massachusetts avg. annual premium*
62%
|
|
|
Avg. annual premium* in Massachusetts
$3,810
|
Percentage increase from Massachusetts avg. annual premium*
82%
|
Massachusetts car insurance rates by vehicle type
Every vehicle’s make and model has its own build quality and safety features, which every car insurance carrier will review and rate differently. The tables below show how much car insurance can vary depending on a vehicle’s make and model.
|
|
|
|---|---|
|
Avg. annual premium* in Massachusetts
$2,089
|
|
|
Avg. annual premium* in Massachusetts
$1,844
|
|
|
Avg. annual premium* in Massachusetts
$1,746
|
|
|
BMW 330i
|
Avg. annual premium* in Massachusetts
$2,539
|
|
Toyota Prius
|
Avg. annual premium* in Massachusetts
$2,138
|
Estimate your car insurance cost in Massachusetts
It can be difficult to know if you’re being overcharged for car insurance, which is why Bankrate created the helpful tool below. While the tool won’t give you an exact quote, it can deliver a ballpark estimate. Enter some details about yourself to find out roughly what you can expect to be quoted by insurers.
Calculate your monthly car insurance payment
Get a quick estimate to make sure you're not overpaying.
Your estimate awaits...
Answer a few questions to reveal your payment
The results are in...
Your estimated payment
Ready for real rates?
Crunching the numbers...
An error occurred...
We're unable to estimate your payment
Ready for real rates?
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How to save on car insurance in Massachusetts
While car insurance in Massachusetts is more affordable on average compared to many other states, there are still a few ways you may be able to save a little money. Here are some tips:
- Review your annual mileage. If you drive less than 12,000 miles, you can usually get cheaper car insurance. Some companies will offer a low mileage rate that is more affordable than the commuter rate. If you work from home or drive well below the national average miles, pay-per-mile car insurance may be an even cheaper alternative.
- Review your coverage needs. If it’s been a while since you took out your policy, your insurance needs might have changed. For example, maybe you have an older, paid-off car that no longer needs full coverage. Or maybe you have extras you could do without like roadside assistance. An agent can help walk you through your policy and assess your true coverage needs.
- Explore car insurance with telematics. Many car insurance companies now offer telematics programs that monitor driving habits through an app or plug-in device and reward drivers for safe driving habits. This could be a good opportunity to practice safe driving, like maintaining a legal speed and braking slowly, while also earning a discount on your car insurance. Be aware that some providers reserve the right to raise your premium if the telematics program finds unsafe driving habits.
- Increase your deductibles. By raising your deductible, you take on more financial responsibility in the event of a claim, so your insurance provider might reduce your premium. However, if you adjust your deductible, be sure it remains an amount you can easily afford to pay if needed.
- Check for discount opportunities. If you’re in a specific profession, part of an organization or are a young driver still in school, you might qualify for discounted rates. Ask an agent about discounts for which you might qualify when gathering quotes from new providers or preparing to renew your policy with your current insurer.
- Bundle your insurance. If you need both car insurance and home or renters insurance, consider purchasing them from the same company. A multi-policy discount can typically shave a decent amount off your premium each year.
- Shop around. If you’re looking for a new policy or it’s been a while since you originally purchased insurance, you may want to request quotes from several insurance companies. Insurers price policies differently, so you might pay more for the same coverage with one company versus another. Be sure to specify the same coverage types and policy limits for each quote so it’s easier to compare them.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze February 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
