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Massachusetts car insurance rates — key takeaways

  • The average car insurance premium in Massachusetts is $1,201 per year, or $100 a month — 15.8% less than the US average.
  • Drivers in their 70s pay the lowest rates out of all age groups — about $77 per month.
  • Getting a DUI in Massachusetts is the most impactful violation to have on your record, causing an annual increase of $1,092.
  • Massachusetts is one of a handful of states that disallows credit score, gender and marital status as rating factors in car insurance pricing.

Car insurance costs are affected by factors aside from your location. Car insurance rates price based on myriad details, including your age, gender, driving history and more.

Massachusetts is one of a handful of states that disallows credit score, gender and marital status as rating factors in car insurance pricing.

We reviewed average Massachusetts car insurance rates by each of the most common rating factors. Read on to learn how much auto insurance runs in your location — or enter your zip code to receive personalized rates from popular insurance companies.

Find a policy in just a few minutes.

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Average auto insurance costs in Massachusetts by age

It's a common phenomenon: as you grow older, your auto insurance rates change.

Typically, auto insurance is more expensive for young drivers, as auto insurance companies see newer drivers as riskier.

In Massachusetts, coverage costs $5,046 annually for a 16-year-old driver, but just $1,030 per annum for a client in his or her 50s.

If you're facing the pricey prospect of insuring a teen driver, it's worth noting Massachusetts is the 10th cheapest state in which to purchase car insurance for a 16-year-old.
MASSACHUSETTS AUTO INSURANCE PRICES BY AGE
AgeAverage Annual Premium
16$5,045.84
17$4,506.71
18$4,333.67
19$2,656.46
20s$1,450.79
30s$1,110.41
40s$1,070.34
50s$1,029.86
60s$944.50
70s$918.87

Average auto insurance premiums in Massachusetts by gender

While gender doesn’t make as large an impact on auto insurance premiums as state or age, it is used as a pricing factor by auto insurers.

Men and women pay the same amount for car insurance in Massachusetts — the state banned the use of gender as a rating factor by insurers.

If you're concerned you aren't getting the best value for your money with your current auto insurance company, the best thing to do is to compare insurance companies.

MASSACHUSETTS CAR INSURANCE PRICES FOR MEN AND WOMEN
GenderAverage Yearly Cost
Male$1,150.90
Female$1,150.90

Average car insurance rates in Massachusetts by marriage status

One pro of getting married — in addition to the honeymoon — is the improved deal you often earn on auto insurance. In Massachusetts, however, married drivers pay the same price as single drivers because the state bars marital status as an insurance rating factor.

MASSACHUSETTS CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Rate
Single$1,150.90
Married$1,150.90
Divorced$1,150.90
Widowed$1,150.90

If you feel like you're being overcharged for your car insurance, do some shopping. You might find a great deal!


Average auto insurance rates in Massachusetts by credit score

Car insurers use credit as a way of determining the reliability of a prospective customer.

Data trends demonstrate motorists with exceptional credit histories are often more dependable car insurance customers: they less commonly file claims insurance companies have to reimburse.

In Massachusetts, whether you have excellent credit or poor credit doesn't matter as the state has outlawed insurance companies from using credit history as a factor in pricing.

MASSACHUSETTS AUTO INSURANCE RATES BY CREDIT
Credit LevelAverage Annual Premium
Very Poor (300-579)$1,150.90
Fair (580-669)$1,150.90
Good (670-739)$1,150.90
Very Good (740-799)$1,150.90
Exceptional (800-850)$1,150.90

Average car insurance costs for high-risk drivers in Massachusetts

If you've been defined as being at fault in an accident or found guilty of a driving infraction, your insurance costs are bound to rise. The more offenses you accumulate, the more costly your auto insurance gets.

In Massachusetts, your first minor at-fault crash costs an extra $678.18 each year in auto insurance payments. A DUI — one of the most serious driving violations — could boost your annual insurance expenditure in Massachusetts by as much as $1,091.50.

highrisk
MASSACHUSETTS AUTO INSURANCE PREMIUMS AFTER VIOLATIONS
ViolationAverage Annual Premium
DUI or DWI$2,292.76
Reckless Driving$2,264.09
At-Fault Accident (<$1,000)$1,879.44
At-Fault Accident ($1,000-$2,000)$1,359.63
At-Fault Accident (>$2,000)$1,960.94
Open Container$1,192.51
Speeding (21-25 MPH > limit)$1,154.76
Speeding (16-20 MPH > limit)$1,154.76

If you're facing above-average auto insurance costs, think about weighing your options to find cheap coverage that covers your vehicle appropriately.


Average auto insurance premiums by coverage amount in Massachusetts

The amount you pay each month for auto insurance depends on the tier of coverage you purchase. A liability-only policy generally costs less, while low-deductible comprehensive coverage costs more.

In Massachusetts, the price difference between liability-only coverage and full coverage with a $500 deductible is $632.

MASSACHUSETTS CAR INSURANCE RATES BY COVERAGE LEVEL
Coverage LevelAverage Annual Rate
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$716
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,128
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,330
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$653
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,067
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,269
State Minimum — Liability Only$484
State Minimum — $1,000 Comprehensive/Collision$914
State Minimum — $500 Comprehensive/Collision$1,116

If you're in need of affordable auto insurance, think about weighing rates to discover affordable coverage that suits you.

Compare car insurance options and find the right policy for you.

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Recent Questions:

Is my son covered if he got into an accident before being added to our policy?

Sorry to hear about your situation. It's hard to say if your insurance company is wrong to deny the claim without knowing your specific policy details.
Jan 21, 2020 Medway, MA

Can I avoid paying for insurance for my car while I am away for active duty military leave?

The reason banks require comprehensive and collision coverage on a vehicle in storage is because it could be damaged by a fire or a collapse of the building in which it is stored. In addition to the bank, Massachusetts requires any vehicle registered in the state to also be insured.
Aug 29, 2017 Dartmouth, MA

Will my HO4 renters policy cover wet fungi protection?

I can't answer this question - you need to look at the exclusions and special coverages in your renters' insurance policy dec page (declaration page). That part of your policy will specify how much coverage you have - if any.
Feb 27, 2019 Bourne, MA

Car insurance in MA to exclude my disabled spouse

Massachusetts is considered a No-Fault state and requires&nbsp;Personal Injury Protection&nbsp;coverage. This means that your insurance company will pay for your medical injuries no matter who is at fault in the accident.
Aug 24, 2018 Charlton, MA

Kristine Lee
Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.