- How much is car insurance in Massachusetts?
- Massachusetts car insurance rates by company
- Massachusetts car insurance costs by coverage level
- Massachusetts car insurance by driver profile
- Massachusetts car insurance rates by age group
- How much does car insurance cost in Massachusetts per month?
- Massachusetts car insurance discounts
- Car insurance requirements in Massachusetts
- Car insurance rates in Massachusetts by model year
- Compare auto insurance rates by city in Massachusetts
- Car insurance premium trends in Massachusetts
- Methodology
- Compare Massachusetts car insurance rates with other states
How much is car insurance in Massachusetts?
The average cost of car insurance in Massachusetts is $2,430 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.
For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.
Massachusetts drivers who only want to carry the minimum car insurance can expect to pay an average of $621 . However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $2,430 |
| Average monthly premium | $203 |
Massachusetts car insurance rates by company
Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records. That's why car insurance rates in Massachusetts can differ greatly from one company to another.
On average, Plymouth Rock Assurance has the lowest car insurance rates in Massachusetts. The table below shows average car insurance rates in Massachusetts from top-rated companies for different coverage levels.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Plymouth Rock Assurance | $446 | $576 | $1,719 |
| GEICO | $446 | $643 | $1,817 |
| Safety Insurance | $380 | $690 | $2,189 |
| Progressive | $907 | $1,024 | $2,490 |
| Amica | $504 | $637 | $2,491 |
| Arbella Insurance | $724 | $933 | $2,807 |
| Farmers | $549 | $758 | $2,807 |
| Travelers | $897 | $1,115 | $2,962 |
| Allstate | $951 | $1,216 | $3,388 |
| USAA | $397 | $492 | $1,658 |
Massachusetts car insurance costs by coverage level
The cheapest option in Massachusetts is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out Massachusetts car insurance costs by coverage level below.
| State minimum car insurance | $621 |
| Liability-only car insurance | $809 |
| Full coverage car insurance | $2,430 |
Massachusetts car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Massachusetts based on driver profiles. The highest rates in Massachusetts are for drivers with DUI.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,430 | $3,771 | $1,341 | 55% |
| Careless driving | $2,430 | $3,279 | $849 | 35% |
| Claims | $2,430 | $2,877 | $447 | 18% |
| DUI | $2,430 | $4,497 | $2,067 | 85% |
| Reckless driving | $2,430 | $4,226 | $1,796 | 74% |
| Speeding | $2,430 | $3,166 | $735 | 30% |
| Texting ticket | $2,430 | $3,109 | $678 | 28% |
Massachusetts car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Massachusetts car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Massachusetts car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $8,302 |
| Young Adults (20-24) | $3,767 |
| Adults (25-60) | $2,445 |
| Seniors (65-75) | $2,103 |
How much does car insurance cost in Massachusetts per month?
The average monthly cost of car insurance in Massachusetts depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $52 |
| Liability Only - 50/100/50 BI/PD | $67 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $203 |
Massachusetts car insurance discounts
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Massachusetts, savings can be very different from one company to another.
Take a look at the car insurance discounts available in Massachusetts below and see the average amount you can save.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Air Bags | $2,430 | $2,394 | $36 | 2% |
| Anti-Theft Device | $2,430 | $2,360 | $71 | 3% |
| Comp and Coll Deductibles | $2,430 | $1,884 | $546 | 23% |
| Days Advanced Purchase | $2,430 | $2,268 | $163 | 6% |
| Electronic Funds Transfer | $2,430 | $2,300 | $130 | 6% |
| Electronic Signature | $2,430 | $2,284 | $146 | 6% |
| Homeowner | $2,430 | $2,415 | $15 | 1% |
| Lower Annual Mileage | $2,430 | $2,251 | $179 | 7% |
| Loyalty - Years Renewal With Company | $2,430 | $2,365 | $65 | 3% |
| Multi Policy | $2,430 | $2,107 | $324 | 12% |
| Paperless/Electornic Documents | $2,430 | $2,360 | $70 | 3% |
| Payment Type | $2,430 | $2,284 | $146 | 6% |
| Primary Use | $2,430 | $2,373 | $57 | 2% |
| Purhase Status | $2,430 | $2,220 | $210 | 9% |
| Safety Devices | $2,430 | $2,363 | $67 | 3% |
| Telematics | $2,430 | $2,281 | $149 | 6% |
| Years Insured | $2,430 | $1,825 | $605 | 21% |
| Years Licensed | $2,430 | $1,365 | $1,066 | 44% |
Car insurance requirements in Massachusetts
Massachusetts requires a minimum amount of car insurance, including:
- 20/40/5 in liability coverage to pay for bodily injuries and property damages you cause in an accident.
Remember, the minimum coverage required by Massachusetts law is just that - the minimum. Experts recommend increasing limits and adding coverage, such as collision and comprehensive, to protect yourself better. By ensuring you have adequate coverage, you can have peace of mind on the road.
| State Minimum Requirements | 20/40/5 |
| State minimum car insurance | $621 |
| Liability-only car insurance | $809 |
| Full coverage car insurance | $2,430 |
Car insurance rates in Massachusetts by model year
The vehicle you drive also affects Massachusetts car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Massachusetts car insurance rates below.
Compare accord insurance rates by state
| Company | Style | Average annual premium |
|---|
Compare auto insurance rates by city in Massachusetts
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Massachusetts will impact what you pay. Below, we've gathered Massachusetts car insurance rates by city for comparison.
Car insurance premium trends in Massachusetts
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Massachusetts to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Massachusetts car insurance rates with other states
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