Last updated: May 13, 2026

Average Cost of Car Insurance in Massachusetts

Car insurance in Massachusetts tends to cost less than in other states.

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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.

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Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.

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With 4.8 million licensed drivers and over 1.8 million passenger vehicles on the road across the state, Massachusetts is home to many auto insurance policyholders. The average annual auto insurance premium for a Massachusetts driver is $2,148 for full coverage and $675 for minimum coverage.

However, the cost of 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 history, age, or gender to assess premiums.

Average Cost of Car Insurance in Massachusetts

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.

Level of coverage	Annual average rate in Massachusetts	Monthly average rate in Massachusetts
Full coverage car insurance	$2,148	$179
Minimum coverage car insurance	$675	$56

By Company

Your car insurance premium can vary widely based on the company you choose. In Massachusetts, Safety has the lowest average rates at $1,575 per year, followed by Plymouth Rock at $1,616 per year.

Company	Annual average rate in Massachusetts	Monthly average rate in Massachusetts
Safety	$1,574	$131
Plymouth Rock	$1,616	$135
USAA	$1,670	$139
Arbella	$1,694	$141
GEICO	$1,927	$161
Progressive	$2,074	$173

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	Annual average rate	Monthly average rate
Springfield	$2,599	$217
Worcester	$2,404	$200
Boston	$2,347	$196
Lowell	$2,134	$178
Cambridge	$2,025	$169

By Age

Massachusetts insurance providers cannot use age as a factor for underwriting (the only slight exception is that state law requires car insurers to offer discounts to drivers 65 and over)¹. 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	Annual average rate in Massachusetts	Monthly average rate in Massachusetts
16	$5,370	$447
18	$5,287	$441
20s	$2,897	$241
30s	$2,148	$179
40s	$1,895	$158
50s	$1,797	$150
60s	$1,577	$131
70s	$1,499	$125

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. It’s wise to get as much coverage as you can comfortably afford.

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.

Violation record	Annual average rate in Massachusetts	Monthly average rate in Massachusetts
Clean driving record	$2,148	$179
Speeding ticket	$2,458	$205
Accident	$2,781	$232
DUI	$3,298	$275

FYI:

Although speeding is a comparatively minor violation, your premiums could increase by an average of 14 percent after a speeding ticket in Massachusetts.

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
Full coverage	Safety	$1,574
Minimum coverage	Plymouth Rock*	$476
Military/veterans	USAA	$1,670
Teens	Safety	$4,151
Seniors	American Family	$996
Speeding ticket	GEICO	$1,721
At-fault accident	Plymouth Rock*	$2,068
DUI	Progressive	$2,096

*After USAA

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 deductibles: The higher your deductibles for comprehensive and collision coverages, 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. However, keep in mind that if you cause an accident and your insurance doesn’t cover the damages, you’ll be responsible for the difference.
Ask about discounts: Many insurers offer discounts for bundling home and auto insurance, for maintaining a clean driving record, and more.

Minimum Car Insurance in Massachusetts

As a driver in Massachusetts, you must carry the following minimum auto insurance coverages:

Bodily injury liability: $20,000 per person/$40,000 per accident
Property damage liability: $30,000 per accident
Personal injury protection: $8,000 per person
Uninsured motorist coverage: $20,000 per person/$40,000 per accident

Massachusetts’ minimum liability limits are quite low, so it’s a good idea to get higher limits if you can afford to. They also will not cover damage to your own vehicle — you’ll need full coverage for that.

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 (up to a limit of $8,000) regardless of who caused the accident. This applies to the policyholder, anyone else driving the car, anyone in the household, passengers in your car, and pedestrians.

Under its modified comparative negligence system, Massachusetts has laws to determine if a driver is more than 50 percent at fault for an accident.² Drivers are allowed to appeal an insurer’s at-fault determination, but individuals who are ultimately deemed 51 percent or more at fault cannot recover damages.

SR-22s

Massachusetts is one of the 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.

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

We analyze average auto insurance premiums in Massachusetts for full and minimum coverage for good drivers, as well as other driver profiles. That includes drivers with DUIs, accidents, speeding tickets, and teenagers. Full coverage averages use the following limits:

Bodily injury liability: $100,000 per person/$300,000 per accident
Property damage liability: $100,00 per accident
Personal injury protection: $8,000 per person
Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 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 $179 per month for full coverage and $56 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 permit them to, 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.