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Average cost of car insurance in Massachusetts for 2024
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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 $1,832 for full coverage and $483 for minimum coverage per year. While that’s still below the national average of $2,458 and $678, respectively, per year, 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 $1,832 for full coverage and $483 for minimum coverage per year.
- Massachusetts average car insurance rates are lower than the national average of $2,458 for full coverage per year and $678 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 $1,900 per year.
- A speeding ticket in Massachusetts averages a rate increase of about 29 percent more.
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Massachusetts car insurance rates by city
How much car insurance is in Massachusetts can vary by city. In addition to each city’s population size and crash statistics, variations in car insurance rates by city can also be attributed to driving patterns, theft and vandalism rates, frequency of claims, cost of vehicle repairs and more. For example, the average cost of car insurance in the cities of Haverhill and Lowell are 2 percent more and 4 percent more expensive than the average cost of car insurance in Massachusetts overall. But drivers living in Newton pay around 8 percent less compared to the citywide average Massachusetts car insurance rates. Below are full coverage rates for five cities in the commonwealth and how they compare to the state average:
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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 | $115 | $1,385 | -28% |
| Richmond | $126 | $1,517 | -19% |
| Worcester | $183 | $2,201 | +18% |
| Andover | $127 | $1,529 | -18% |
| Boston | $182 | $2,185 | +18% |
| Newton | $141 | $1,688 | -8% |
| North Dartmouth | $154 | $1,850 | +1% |
| Northampton | $121 | $1,456 | -23% |
| Beverly | $136 | $1,628 | -12% |
| Monponsett | $151 | $1,816 | -1% |
| Nantucket | $125 | $1,498 | -20% |
| North Reading | $135 | $1,621 | -12% |
| Becket | $122 | $1,465 | -22% |
| Bernardston | $109 | $1,303 | -34% |
| Warwick | $111 | $1,331 | -32% |
| Oxford | $134 | $1,607 | -13% |
| Boxborough | $131 | $1,571 | -15% |
| Waverley | $153 | $1,841 | +0% |
| Pocasset | $148 | $1,777 | -3% |
| Somerville | $172 | $2,068 | +12% |
| Buzzards Bay | $133 | $1,601 | -13% |
| Cotuit | $148 | $1,781 | -3% |
| Southfield | $129 | $1,551 | -17% |
| Leicester | $148 | $1,776 | -3% |
| Winchester | $129 | $1,544 | -17% |
| Revere | $241 | $2,892 | +45% |
| East Wareham | $152 | $1,820 | -1% |
| East Dennis | $137 | $1,645 | -11% |
| Shutesbury | $121 | $1,450 | -23% |
| North Brookfield | $123 | $1,477 | -21% |
| Swampscott | $157 | $1,887 | +3% |
| Rockport | $123 | $1,470 | -22% |
| South Dartmouth | $147 | $1,760 | -4% |
| Adams | $124 | $1,486 | -21% |
| Sudbury | $116 | $1,388 | -28% |
| Wellfleet | $112 | $1,339 | -31% |
| South Barre | $147 | $1,766 | -4% |
| Salem | $168 | $2,021 | +10% |
| East Bridgewater | $144 | $1,722 | -6% |
| East Falmouth | $141 | $1,694 | -8% |
| Marion | $141 | $1,695 | -8% |
| West Springfield | $160 | $1,917 | +5% |
| Paxton | $148 | $1,779 | -3% |
| Lawrence | $198 | $2,378 | +26% |
| Onset | $162 | $1,949 | +6% |
| Dennis Port | $124 | $1,491 | -21% |
| Devens | $120 | $1,446 | -24% |
| Framingham | $157 | $1,881 | +3% |
| Concord | $114 | $1,364 | -29% |
| Georgetown | $140 | $1,680 | -9% |
| South Wellfleet | $141 | $1,697 | -8% |
| Seekonk | $137 | $1,648 | -11% |
| Chicopee | $155 | $1,862 | +2% |
| Athol | $124 | $1,486 | -21% |
| Westminster | $120 | $1,442 | -24% |
| North Uxbridge | $147 | $1,768 | -4% |
| Monroe Bridge | $121 | $1,451 | -23% |
| Taunton | $158 | $1,892 | +3% |
| Village Of Nagog Woods | $130 | $1,560 | -16% |
| South Carver | $153 | $1,836 | +0% |
| Turners Falls | $113 | $1,360 | -30% |
| Groton | $128 | $1,537 | -18% |
| North Chelmsford | $137 | $1,640 | -11% |
| Amesbury | $124 | $1,485 | -21% |
| Braintree | $168 | $2,013 | +9% |
| Millers Falls | $128 | $1,537 | -18% |
| Sterling | $130 | $1,555 | -16% |
| Kingston | $147 | $1,760 | -4% |
| South Hadley | $129 | $1,550 | -17% |
| Ashley Falls | $130 | $1,562 | -16% |
| Dover | $129 | $1,549 | -17% |
| Dorchester Center | $262 | $3,140 | +53% |
| Middleboro | $141 | $1,694 | -8% |
| Belmont | $128 | $1,534 | -18% |
| Mattapoisett | $142 | $1,700 | -7% |
| Lee | $112 | $1,340 | -31% |
| Cherry Valley | $151 | $1,811 | -1% |
| Stoneham | $152 | $1,823 | -0% |
| Oak Bluffs | $127 | $1,521 | -19% |
| Dennis | $122 | $1,462 | -22% |
| Rockland | $166 | $1,990 | +8% |
| Barnstable | $146 | $1,756 | -4% |
| Norton | $137 | $1,650 | -10% |
| Springfield | $197 | $2,366 | +25% |
| Cambridge | $152 | $1,821 | -1% |
| East Orleans | $129 | $1,546 | -17% |
| Amherst | $137 | $1,644 | -11% |
| Longmeadow | $132 | $1,580 | -15% |
| Southwick | $142 | $1,709 | -7% |
| Lenox Dale | $139 | $1,667 | -9% |
| Upton | $131 | $1,576 | -15% |
| Plympton | $140 | $1,683 | -8% |
| Orleans | $125 | $1,505 | -20% |
| Westport | $137 | $1,643 | -11% |
| West Boylston | $126 | $1,511 | -19% |
| West Boxford | $147 | $1,760 | -4% |
| Canton | $156 | $1,869 | +2% |
| Maynard | $130 | $1,561 | -16% |
| Newburyport | $131 | $1,578 | -15% |
| Goshen | $110 | $1,323 | -32% |
| Prides Crossing | $142 | $1,708 | -7% |
| Erving | $124 | $1,492 | -20% |
| Shirley | $122 | $1,464 | -22% |
| Wareham | $150 | $1,803 | -2% |
| Charlton | $132 | $1,586 | -14% |
| Sutton | $132 | $1,582 | -15% |
| Hopkinton | $118 | $1,414 | -26% |
| Hinsdale | $119 | $1,424 | -25% |
| Royalston | $120 | $1,440 | -24% |
| Grafton | $141 | $1,692 | -8% |
| West Roxbury | $174 | $2,089 | +13% |
| Arlington | $132 | $1,583 | -15% |
| Marstons Mills | $136 | $1,626 | -12% |
| Brockton | $239 | $2,866 | +44% |
| Elmwood | $164 | $1,966 | +7% |
| Waltham | $152 | $1,819 | -1% |
| Westfield | $123 | $1,474 | -22% |
| Windsor | $130 | $1,557 | -16% |
| Manomet | $154 | $1,847 | +1% |
| Plymouth | $158 | $1,900 | +4% |
| Hubbardston | $134 | $1,604 | -13% |
| Hardwick | $133 | $1,596 | -14% |
| West Warren | $141 | $1,688 | -8% |
| Newton Center | $153 | $1,842 | +1% |
| Cataumet | $148 | $1,777 | -3% |
| Centerville | $148 | $1,781 | -3% |
| Indian Orchard | $193 | $2,310 | +23% |
| Monterey | $126 | $1,516 | -19% |
| Orange | $120 | $1,440 | -24% |
| Bridgewater | $153 | $1,832 | +0% |
| Hanson | $138 | $1,656 | -10% |
| Brimfield | $123 | $1,471 | -22% |
| West Stockbridge | $117 | $1,399 | -27% |
| East Princeton | $140 | $1,676 | -9% |
| New Braintree | $115 | $1,386 | -28% |
| Norfolk | $137 | $1,642 | -11% |
| Williamstown | $124 | $1,491 | -21% |
| Wakefield | $142 | $1,703 | -7% |
| North Weymouth | $160 | $1,920 | +5% |
| New Bedford | $185 | $2,219 | +19% |
| Nutting Lake | $148 | $1,778 | -3% |
| Colrain | $116 | $1,396 | -27% |
| Northfield | $124 | $1,489 | -21% |
| Rutland | $141 | $1,693 | -8% |
| Danvers | $137 | $1,640 | -11% |
| North Easton | $162 | $1,945 | +6% |
| Ashburnham | $119 | $1,429 | -25% |
| Shrewsbury | $136 | $1,632 | -12% |
| Essex | $124 | $1,488 | -21% |
| Westborough | $141 | $1,688 | -8% |
| Lowell | $158 | $1,900 | +4% |
| Green Harbor | $155 | $1,857 | +1% |
| Blackstone | $141 | $1,686 | -8% |
| Somerset | $151 | $1,816 | -1% |
| Housatonic | $134 | $1,607 | -13% |
| Sandisfield | $113 | $1,351 | -30% |
| Fayville | $136 | $1,630 | -12% |
| Hathorne | $139 | $1,667 | -9% |
| Norwell | $133 | $1,599 | -14% |
| East Freetown | $138 | $1,654 | -10% |
| Gill | $126 | $1,507 | -19% |
| Wendell | $125 | $1,498 | -20% |
| Sagamore | $148 | $1,776 | -3% |
| Eastham | $125 | $1,506 | -20% |
| Northbridge | $126 | $1,517 | -19% |
| Southborough | $121 | $1,452 | -23% |
| Roxbury Crossing | $275 | $3,301 | +57% |
| Attleboro | $136 | $1,628 | -12% |
| Russell | $123 | $1,481 | -21% |
| Pittsfield | $122 | $1,461 | -23% |
| Berlin | $132 | $1,580 | -15% |
| South Grafton | $140 | $1,685 | -8% |
| Saugus | $184 | $2,203 | +18% |
| Wayland | $129 | $1,545 | -17% |
| Hyde Park | $230 | $2,766 | +41% |
| Still River | $137 | $1,642 | -11% |
| Chartley | $157 | $1,881 | +3% |
| Lenox | $111 | $1,337 | -31% |
| South Egremont | $114 | $1,372 | -29% |
| Lancaster | $125 | $1,499 | -20% |
| Sturbridge | $137 | $1,648 | -11% |
| Scituate | $143 | $1,713 | -7% |
| Ware | $122 | $1,468 | -22% |
| Millville | $137 | $1,643 | -11% |
| Woronoco | $144 | $1,731 | -6% |
| Natick | $131 | $1,575 | -15% |
| Needham Heights | $131 | $1,569 | -15% |
| Woods Hole | $141 | $1,694 | -8% |
| Harwich Port | $135 | $1,618 | -12% |
| Great Barrington | $116 | $1,387 | -28% |
| Chester | $118 | $1,410 | -26% |
| Gilbertville | $133 | $1,599 | -14% |
| Plainfield | $126 | $1,514 | -19% |
| Otis | $127 | $1,528 | -18% |
| Ayer | $124 | $1,483 | -21% |
| Gloucester | $133 | $1,597 | -14% |
| Hingham | $148 | $1,775 | -3% |
| Quincy | $171 | $2,055 | +11% |
| South Lee | $129 | $1,551 | -17% |
| Charlton Depot | $141 | $1,688 | -8% |
| Princeton | $115 | $1,378 | -28% |
| Acton | $130 | $1,560 | -16% |
| Sheldonville | $145 | $1,741 | -5% |
| Randolph | $209 | $2,506 | +31% |
| West Newton | $156 | $1,867 | +2% |
| Westford | $130 | $1,565 | -16% |
| Granby | $128 | $1,532 | -18% |
| Cohasset | $147 | $1,769 | -4% |
| Swansea | $137 | $1,643 | -11% |
| New Salem | $112 | $1,344 | -31% |
| Methuen | $155 | $1,866 | +2% |
| Harvard | $115 | $1,379 | -28% |
| Chelmsford | $124 | $1,485 | -21% |
| East Walpole | $139 | $1,672 | -9% |
| East Taunton | $159 | $1,904 | +4% |
| Gardner | $124 | $1,488 | -21% |
| Jefferson | $142 | $1,706 | -7% |
| North Billerica | $134 | $1,608 | -13% |
| Ocean Bluff | $159 | $1,905 | +4% |
| Dorchester | $267 | $3,208 | +55% |
| Everett | $217 | $2,608 | +35% |
| Sunderland | $120 | $1,444 | -24% |
| Townsend | $114 | $1,367 | -29% |
| Mansfield | $129 | $1,543 | -17% |
| Lakeville | $134 | $1,606 | -13% |
| Brookline | $154 | $1,853 | +1% |
| Watertown | $148 | $1,774 | -3% |
| West Tisbury | $127 | $1,524 | -18% |
| Brookline Village | $162 | $1,942 | +6% |
| Newton Lower Falls | $142 | $1,704 | -7% |
| East Sandwich | $140 | $1,684 | -8% |
| North Truro | $134 | $1,612 | -13% |
| West Brookfield | $114 | $1,366 | -29% |
| Hull | $165 | $1,978 | +8% |
| Barre | $139 | $1,662 | -10% |
| Uxbridge | $117 | $1,404 | -26% |
| Boxford | $128 | $1,531 | -18% |
| Osterville | $148 | $1,781 | -3% |
| North Dighton | $138 | $1,661 | -10% |
| Wilbraham | $132 | $1,585 | -14% |
| Dunstable | $134 | $1,606 | -13% |
| Newbury | $118 | $1,411 | -26% |
| North Hatfield | $138 | $1,654 | -10% |
| Dalton | $110 | $1,321 | -32% |
| Stoughton | $175 | $2,104 | +14% |
| Medford | $169 | $2,028 | +10% |
| Chestnut Hill | $183 | $2,192 | +18% |
| Acushnet | $157 | $1,888 | +3% |
| Mill River | $136 | $1,634 | -11% |
| Manchaug | $174 | $2,090 | +13% |
| Wellesley | $123 | $1,480 | -21% |
| Sagamore Beach | $135 | $1,620 | -12% |
| Siasconset | $128 | $1,539 | -17% |
| Lunenburg | $134 | $1,609 | -13% |
| South Harwich | $142 | $1,698 | -8% |
| Leeds | $138 | $1,659 | -10% |
| Worthington | $130 | $1,558 | -16% |
| Drury | $117 | $1,403 | -27% |
| Pepperell | $131 | $1,574 | -15% |
| Haverhill | $156 | $1,872 | +2% |
| Lynn | $219 | $2,632 | +36% |
| Brant Rock | $151 | $1,817 | -1% |
| North Marshfield | $155 | $1,861 | +2% |
| Wrentham | $129 | $1,546 | -17% |
| Bryantville | $154 | $1,845 | +1% |
| Rochester | $129 | $1,551 | -17% |
| Duxbury | $129 | $1,549 | -17% |
| Whitman | $163 | $1,960 | +7% |
| South Orleans | $141 | $1,697 | -8% |
| Millbury | $137 | $1,642 | -11% |
| Mendon | $132 | $1,589 | -14% |
| Burlington | $146 | $1,752 | -4% |
| Sandwich | $127 | $1,525 | -18% |
| Belchertown | $122 | $1,469 | -22% |
| Milton Village | $197 | $2,368 | +26% |
| Auburndale | $142 | $1,704 | -7% |
| Littleton | $129 | $1,547 | -17% |
| Waban | $153 | $1,842 | +1% |
| Harwich | $121 | $1,450 | -23% |
| Tyngsboro | $135 | $1,616 | -13% |
| Bellingham | $127 | $1,529 | -18% |
| Jamaica Plain | $198 | $2,378 | +26% |
| Wales | $122 | $1,464 | -22% |
| East Brookfield | $125 | $1,501 | -20% |
| Forestdale | $127 | $1,525 | -18% |
| Rochdale | $149 | $1,792 | -2% |
| South Walpole | $139 | $1,668 | -9% |
| Oakham | $121 | $1,454 | -23% |
| Greenbush | $153 | $1,836 | +0% |
| Walpole | $147 | $1,766 | -4% |
| West Medford | $147 | $1,770 | -3% |
| South Dennis | $124 | $1,491 | -21% |
| Huntington | $121 | $1,447 | -24% |
| Palmer | $129 | $1,542 | -17% |
| Warren | $139 | $1,665 | -10% |
| North Egremont | $137 | $1,641 | -11% |
| Roslindale | $212 | $2,547 | +33% |
| Vineyard Haven | $130 | $1,563 | -16% |
| Heath | $134 | $1,604 | -13% |
| Holden | $141 | $1,697 | -8% |
| Mashpee | $134 | $1,613 | -13% |
| South Yarmouth | $130 | $1,565 | -16% |
| Truro | $116 | $1,394 | -27% |
| Cuttyhunk | $132 | $1,581 | -15% |
| Marlborough | $135 | $1,619 | -12% |
| Wellesley Hills | $126 | $1,510 | -19% |
| Stockbridge | $131 | $1,566 | -16% |
| West Newbury | $114 | $1,368 | -29% |
| Hanover | $136 | $1,633 | -12% |
| Brewster | $111 | $1,330 | -32% |
| West Hyannisport | $137 | $1,638 | -11% |
| Clinton | $135 | $1,618 | -12% |
| Dracut | $137 | $1,639 | -11% |
| Byfield | $120 | $1,440 | -24% |
| Hatfield | $126 | $1,508 | -19% |
| Thorndike | $147 | $1,769 | -4% |
| Woburn | $145 | $1,745 | -5% |
| Mattapan | $252 | $3,024 | +49% |
| Holyoke | $169 | $2,025 | +10% |
| West Townsend | $132 | $1,580 | -15% |
| Weymouth | $159 | $1,908 | +4% |
| South Easton | $149 | $1,790 | -2% |
| South Chatham | $113 | $1,359 | -30% |
| East Otis | $132 | $1,588 | -14% |
| Tewksbury | $135 | $1,618 | -12% |
| Salisbury | $143 | $1,711 | -7% |
| Minot | $155 | $1,859 | +1% |
| Fall River | $184 | $2,213 | +19% |
| Westwood | $135 | $1,617 | -12% |
| South Weymouth | $160 | $1,920 | +5% |
| Berkshire | $132 | $1,588 | -14% |
| West Groton | $131 | $1,571 | -15% |
| Milton | $165 | $1,984 | +8% |
| Halifax | $150 | $1,802 | -2% |
| Abington | $165 | $1,978 | +8% |
| Cummington | $109 | $1,312 | -33% |
| Florence | $124 | $1,488 | -21% |
| Middlefield | $131 | $1,571 | -15% |
| Buckland | $125 | $1,495 | -20% |
| Southampton | $132 | $1,585 | -14% |
| Lake Pleasant | $131 | $1,573 | -15% |
| South Deerfield | $128 | $1,537 | -18% |
| Holliston | $141 | $1,693 | -8% |
| Rowley | $125 | $1,501 | -20% |
| Melrose | $155 | $1,858 | +1% |
| Raynham | $141 | $1,697 | -8% |
| Easthampton | $117 | $1,405 | -26% |
| Ashland | $138 | $1,662 | -10% |
| Provincetown | $129 | $1,543 | -17% |
| Bondsville | $140 | $1,679 | -9% |
| Northborough | $118 | $1,417 | -26% |
| Sherborn | $124 | $1,489 | -21% |
| Lanesboro | $113 | $1,361 | -30% |
| Chilmark | $113 | $1,359 | -30% |
| Allston | $179 | $2,151 | +16% |
| Milford | $135 | $1,620 | -12% |
| North Waltham | $157 | $1,887 | +3% |
| West Yarmouth | $143 | $1,716 | -7% |
| Feeding Hills | $143 | $1,712 | -7% |
| Whately | $124 | $1,492 | -20% |
| Linwood | $176 | $2,110 | +14% |
| Topsfield | $134 | $1,609 | -13% |
| West Hatfield | $120 | $1,438 | -24% |
| Savoy | $111 | $1,328 | -32% |
| Wilmington | $144 | $1,733 | -6% |
| Newtonville | $153 | $1,842 | +1% |
| Berkley | $140 | $1,677 | -9% |
| Shelburne Falls | $112 | $1,347 | -31% |
| Groveland | $139 | $1,672 | -9% |
| Arlington Heights | $146 | $1,755 | -4% |
| Norwood | $148 | $1,772 | -3% |
| Cummaquid | $148 | $1,779 | -3% |
| Monson | $124 | $1,485 | -21% |
| Templeton | $113 | $1,360 | -30% |
| North Grafton | $137 | $1,647 | -11% |
| Nahant | $168 | $2,013 | +9% |
| Montague | $125 | $1,501 | -20% |
| Billerica | $134 | $1,604 | -13% |
| Readville | $229 | $2,752 | +40% |
| Newton Upper Falls | $153 | $1,842 | +1% |
| Hadley | $126 | $1,517 | -19% |
| Hopedale | $126 | $1,516 | -19% |
| East Templeton | $140 | $1,680 | -9% |
| Holland | $120 | $1,442 | -24% |
| Spencer | $150 | $1,794 | -2% |
| Dighton | $148 | $1,780 | -3% |
| Marblehead | $136 | $1,627 | -12% |
| South Hamilton | $126 | $1,511 | -19% |
| Sharon | $145 | $1,742 | -5% |
| Attleboro Falls | $131 | $1,567 | -16% |
| North Adams | $114 | $1,364 | -29% |
| Douglas | $125 | $1,500 | -20% |
| East Weymouth | $170 | $2,036 | +11% |
| Glendale | $133 | $1,600 | -14% |
| Ashby | $121 | $1,454 | -23% |
| Winchendon Springs | $140 | $1,676 | -9% |
| White Horse Beach | $154 | $1,844 | +1% |
| New Town | $157 | $1,881 | +3% |
| Auburn | $139 | $1,665 | -10% |
| Southbridge | $149 | $1,785 | -3% |
| Webster | $143 | $1,721 | -6% |
| Wenham | $124 | $1,486 | -21% |
| Foxboro | $143 | $1,721 | -6% |
| Medway | $119 | $1,430 | -25% |
| Conway | $126 | $1,509 | -19% |
| Petersham | $128 | $1,539 | -17% |
| Chatham | $126 | $1,509 | -19% |
| Rehoboth | $134 | $1,605 | -13% |
| Rowe | $108 | $1,299 | -34% |
| Charlemont | $110 | $1,316 | -33% |
| North Carver | $219 | $2,625 | +36% |
| West Harwich | $121 | $1,455 | -23% |
| Brookfield | $126 | $1,511 | -19% |
| Dedham | $155 | $1,858 | +1% |
| Brighton | $178 | $2,136 | +15% |
| Newton Highlands | $153 | $1,842 | +1% |
| Manchester | $131 | $1,575 | -15% |
| Marshfield | $147 | $1,762 | -4% |
| Chelsea | $237 | $2,849 | +43% |
| West Wareham | $152 | $1,820 | -1% |
| West Barnstable | $148 | $1,781 | -3% |
| Plainville | $132 | $1,582 | -15% |
| Medfield | $134 | $1,606 | -13% |
| Hyannis | $136 | $1,626 | -12% |
| West Dennis | $124 | $1,491 | -21% |
| Hampden | $132 | $1,585 | -14% |
| Sheffield | $127 | $1,524 | -18% |
| Ashfield | $125 | $1,499 | -20% |
| North Oxford | $148 | $1,779 | -3% |
| Whitinsville | $129 | $1,543 | -17% |
| Lynnfield | $158 | $1,898 | +4% |
| North Attleboro | $130 | $1,554 | -16% |
| Hudson | $126 | $1,508 | -19% |
| Woodville | $159 | $1,907 | +4% |
| Chesterfield | $110 | $1,322 | -32% |
| Carver | $145 | $1,736 | -5% |
| Lexington | $126 | $1,515 | -19% |
| Ludlow | $152 | $1,830 | -0% |
| Greenfield | $116 | $1,396 | -27% |
| Baldwinville | $116 | $1,395 | -27% |
| Lincoln | $124 | $1,491 | -21% |
| West Chop | $131 | $1,567 | -16% |
| Holbrook | $176 | $2,108 | +14% |
| Nonantum | $154 | $1,844 | +1% |
| Menemsha | $130 | $1,563 | -16% |
| Hyannis Port | $136 | $1,634 | -11% |
| Blandford | $122 | $1,460 | -23% |
| Franklin | $136 | $1,630 | -12% |
| Millis | $133 | $1,601 | -13% |
| Avon | $178 | $2,132 | +15% |
| Needham | $128 | $1,540 | -17% |
| Wheelwright | $141 | $1,687 | -8% |
| East Longmeadow | $149 | $1,784 | -3% |
| Leominster | $132 | $1,584 | -15% |
| Dudley | $141 | $1,693 | -8% |
| Bedford | $126 | $1,509 | -19% |
| Reading | $127 | $1,519 | -19% |
| Falmouth | $139 | $1,666 | -10% |
| Williamsburg | $126 | $1,514 | -19% |
| Hanscom Afb | $129 | $1,552 | -17% |
| Charlestown | $215 | $2,580 | +34% |
| West Bridgewater | $163 | $1,955 | +6% |
| Weston | $129 | $1,548 | -17% |
| Bolton | $120 | $1,435 | -24% |
| Silver Beach | $142 | $1,706 | -7% |
| Yarmouth Port | $130 | $1,565 | -16% |
| West Chesterfield | $135 | $1,621 | -12% |
| Carlisle | $129 | $1,550 | -17% |
| Pembroke | $143 | $1,713 | -7% |
| Agawam | $141 | $1,690 | -8% |
| Stow | $114 | $1,369 | -29% |
| Merrimac | $125 | $1,496 | -20% |
| Ipswich | $123 | $1,476 | -22% |
| North Falmouth | $129 | $1,547 | -17% |
| Peabody | $156 | $1,872 | +2% |
| Roxbury | $280 | $3,355 | +59% |
| Assonet | $151 | $1,812 | -1% |
| Middleton | $152 | $1,818 | -1% |
| Winthrop | $206 | $2,467 | +30% |
| Edgartown | $127 | $1,526 | -18% |
| Westport Point | $152 | $1,819 | -1% |
| Haydenville | $115 | $1,382 | -28% |
| Three Rivers | $131 | $1,571 | -15% |
| Cheshire | $109 | $1,305 | -34% |
| Wendell Depot | $128 | $1,539 | -17% |
| Fairhaven | $157 | $1,887 | +3% |
| Fitchburg | $143 | $1,712 | -7% |
| North Andover | $135 | $1,622 | -12% |
| Winchendon | $138 | $1,651 | -10% |
| Accord | $149 | $1,791 | -2% |
| Fiskdale | $123 | $1,476 | -21% |
| Deerfield | $109 | $1,306 | -34% |
| Boylston | $128 | $1,534 | -18% |
| North Chatham | $129 | $1,551 | -17% |
| Charlton City | $141 | $1,691 | -8% |
| Granville | $122 | $1,465 | -22% |
| West Millbury | $148 | $1,782 | -3% |
| Humarock | $158 | $1,896 | +3% |
| Malden | $208 | $2,493 | +31% |
| Babson Park | $159 | $1,906 | +4% |
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
$336
|
Avg. annual full coverage premium in Massachusetts
$4,030
|
|
Age 18
|
Avg. monthly full coverage premium in Massachusetts
$438
|
Avg. annual full coverage premium in Massachusetts
$5,252
|
|
Age 20
|
Avg. monthly full coverage premium in Massachusetts
$341
|
Avg. annual full coverage premium in Massachusetts
$4,088
|
|
Age 25
|
Avg. monthly full coverage premium in Massachusetts
$179
|
Avg. annual full coverage premium in Massachusetts
$2,150
|
|
Age 30
|
Avg. monthly full coverage premium in Massachusetts
$164
|
Avg. annual full coverage premium in Massachusetts
$1,973
|
|
Age 40
|
Avg. monthly full coverage premium in Massachusetts
$153
|
Avg. annual full coverage premium in Massachusetts
$1,832
|
|
Age 50
|
Avg. monthly full coverage premium in Massachusetts
$143
|
Avg. annual full coverage premium in Massachusetts
$1,715
|
|
Age 60
|
Avg. monthly full coverage premium in Massachusetts
$140
|
Avg. annual full coverage premium in Massachusetts
$1,680
|
|
Age 70
|
Avg. monthly full coverage premium in Massachusetts
$127
|
Avg. annual full coverage premium in Massachusetts
$1,529
|
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
$4,030
|
|
Age 17
|
Avg. annual premium for drivers in MA
$3,775
|
|
Age 18
|
Avg. annual premium for drivers in MA
$3,601
|
|
Age 19
|
Avg. annual premium for drivers in MA
$2,901
|
|
Age 20
|
Avg. annual premium for drivers in MA
$2,752
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in MA
$5,584
|
|
Age 19
|
Avg. annual premium for drivers in MA
$4,352
|
|
Age 20
|
Avg. annual premium for drivers in MA
$4,088
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 51 percent more |
| Age 19 | 44 percent more |
| Age 20 | 40 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
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 in the commonwealth. Though a speeding ticket only averages an increase of about 29 percent more, an at-fault accident could increase your rate by around 61 percent more and a DUI conviction has an average increase of 80 percent more. For drivers with repeat infractions on their record, some car insurance companies may even deny coverage. In these situations, there are carriers that specialize in high-risk auto insurance in Massachusetts.
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 methodology.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in Massachusetts
$1,832
|
Percentage increase from Massachusetts avg. annual premium*
0%
|
|
Avg. annual premium* in Massachusetts
$2,365
|
Percentage increase from Massachusetts avg. annual premium*
29%
|
|
|
Avg. annual premium* in Massachusetts
$2,947
|
Percentage increase from Massachusetts avg. annual premium*
61%
|
|
|
Avg. annual premium* in Massachusetts
$3,299
|
Percentage increase from Massachusetts avg. annual premium*
80%
|
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 vehicles below would suit a variety of lifestyles and budgets, and serve as a tool to show how much car insurance can vary depending on a vehicle’s make and model. For instance, drivers who own a Honda Odyssey or Ford F-150 may pay less for car insurance in Massachusetts than an owner of a BMW 330i or Toyota Prius.
|
|
|
|---|---|
|
Avg. annual premium* in Massachusetts
$1,832
|
|
|
Avg. annual premium* in Massachusetts
$1,645
|
|
|
Avg. annual premium* in Massachusetts
$1,481
|
|
|
BMW 330i
|
Avg. annual premium* in Massachusetts
$2,148
|
|
Toyota Prius
|
Avg. annual premium* in Massachusetts
$1,921
|
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 and the tool will tell roughly what you can expect to be quoted by insurers.
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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 that may help you save money on car insurance:
- 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.
- Explore car insurance with telematics. Many car insurance companies now offer supplemental telematics car insurance programs that monitor driving habits through an app or plug-in and reward drivers based on 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.
- Check all discount opportunities. If you’re in a specific profession, part of an organization or are a young driver who’s still in school, there could be a unique discount opportunity available to help you save even more.
- Bundle your insurance. If your car insurance company is not the same as your home or renters insurance, consider combining. A multi-policy discount can save you a decent amount of money each year.
- Shop around with more than one insurance carrier. 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. Since providers weigh individual factors differently, you might pay more for the same coverage with one company than another. Be sure to use the same coverage types and amounts when requesting quotes so it’s easier to compare them.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 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 coverage levels:
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
These are sample rates and should only be used for comparative purposes.