Car Insurance in Massachusetts

Car insurance in Massachusetts

Massachusetts drivers see average 6-months car insurance rates around $800— rates 27% cheaper than the national average.^[1] Despite lower average statewide premiums, many drivers still face unexpected rate increases. In fact, 36% of our Massachusetts customers searched for new quotes because they felt their current policies were too expensive.^[2]

Car insurance rates are influenced by much more than just your location. Factors such as age and driving history also play a significant role. To help you find an affordable policy, The Zebra's experts have analyzed average car insurance rates in Massachusetts, considering these key factors.

Read on to learn how much auto insurance costs in Massachusetts based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.

What are the best car insurance companies in Massachusetts?

The competition in Massachusetts was tight, with several strong contenders, but we ultimately named State Farm the top car insurance provider in the state. This decision was based on a blend of consumer feedback, third-party ratings from JD Power, Trustpilot, and AM Best, as well as considerations like available discounts and coverage options. Below, we’ve outlined the pros and cons of State Farm, along with other highly rated insurers in Massachusetts.

Best car insurance in Massachusetts — honorable mentions

Though State Farm claimed the top spot, several other insurers performed impressively. Amica, in particular, is a great choice for drivers who value strong customer service reputations— it received the highest score for claims satisfaction from J.D. Power, and ranked admirably in The Zebra's own Customer Satisfaction Survey.^{[4, 5]} The table below highlights quotes from other excellent choices for Massachusetts car insurance companies.

Cheap full coverage in Massachusetts

In Massachusetts, a full coverage auto insurance policy will run you about $800 for six months of coverage. Because of this reasonable rate, 73% of Zebra customers in Massachusetts chose full coverage policy quotes.^[2] Our data states that State Farm offers cheap rates in Massachusetts for full coverage.

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Massachusetts, a comprehensive insurance policy with a $500 deductible costs $800, 207% more than liability-only car insurance. 

Cheap liability insurance in Massachusetts

Car insurance is mandatory in almost every state, including Massachusetts. If you choose the legal minimum coverage level in Massachusetts, expect to pay an average of $261 every six months. This expenditure is less expensive than the nationwide average by 29%. The cheapest car insurance company in Massachusetts for liability-only coverage is State Farm. 

Car insurance in popular Massachusetts cities

Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Northfield, Massachusetts, and the most expensive in Roxbury, Massachusetts.

Have a look at the table below to see average car insurance costs in some of Massachusett's biggest cities.

Car insurance price trends in Massachusetts

Massachusetts car insurance trends have remained relatively stable over the past five years, with annual increases never exceeding $75 since 2019. Notably, average premiums actually dropped by $65 in 2020 and by $31 in 2023. However, rates have started climbing again in the past year. These increases are likely driven by the rising number of high-end vehicles— which come with costly replacement parts— the state's vulnerability to extreme weather, and the impact of Massachusetts' no-fault insurance system.

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.

Cheap auto insurance for teens and young drivers in Massachusetts

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Massachusetts, teen drivers pay especially high rates: $4,475 per year — that's $321 less than the nationwide average and over twice as much as a typical Massachusetts driver.

Although teens face higher rates across the board, the best way to secure the most affordable option is to compare quotes from multiple companies.

Massachusetts auto insurance quotes after an accident or ticket

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $931 per year. According to our data, State Farm stands out as the best choice for customers with an accident on their record who are seeking affordable rates.

In Massachusetts, a bad driving record will cause your rates to skyrocket. If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average. 

The Zebra's guide to Massachusetts car insurance laws for high-risk drivers

Violations like reckless driving or a DUI will require you to make changes to your insurance policy.

Learn more about car insurance requirements in the state of Massachusetts with our helpful guide. Or, see our brief explanations of how DUIs and SR22s affect your insurance below.

Massachusetts car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Massachusetts auto insurance.