Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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.

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.

Location pin icon
No junk mail. No spam calls. Free quotes.

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.
Age Average 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.

Gender Average 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.

Marital Status Average 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.

Credit Level Average 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.

Violation Average 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.

Coverage Level Average 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.

Location pin icon
No junk mail. No spam calls. Free quotes.


Other people are also asking...

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. If you took the…
Aug 28, 2017 Dartmouth, MA

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair. I would recommend getting a repair es…
Oct 8, 2017 Boston, MA

How does it work with insurance if I was hit by a moped

The short answer is yes, your premium will go up if you file a claim. Anytime your company has to pay out on a claim your insurance will increase. If you do not want to file a claim with your company you can seek an attorney for advice on taking legal action to have the damages covered by the respo…
Jul 17, 2018 Everett, MA

In the state of MA, can I suspend my car insurance for a few months?

While the state does not actively monitor drivers' compliance with insurance laws, Massachusetts does require that vehicles be insured while driving on the road. Compliance monitoring is done through traffic stops, after accidents, and at the time of registering or renewing the registration on…
Feb 7, 2017 New Bedford, MA

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 editorial 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.