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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.

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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
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.

MASSACHUSETTS CAR INSURANCE PRICES FOR MEN AND WOMEN
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.

MASSACHUSETTS CAR INSURANCE PREMIUMS BY MARITAL STATUS
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.

MASSACHUSETTS AUTO INSURANCE RATES BY CREDIT
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.

highrisk
MASSACHUSETTS AUTO INSURANCE PREMIUMS AFTER VIOLATIONS
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.

MASSACHUSETTS CAR INSURANCE RATES BY COVERAGE LEVEL
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.

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RECENT QUESTIONS

If I'm involved in a wreck while test driving a car, will my insurance cover the damage?

When test driving a car from a private seller, the liability portion of your policy is what pays for damage you cause to someone else while driving so the fact that you don't have collision coverage won't keep the vehicle you hit from being repaired. As for the vehicle you were actually driving, you may have to file a claim with the car owner's insurance company since your policy does not include collision.
Oct 4, 2016 Kingston, MA

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 20, 2020 Medway, MA

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.
Jun 27, 2019 Boston, MA

What is the best insurance company for a new driver?

Unfortunately, there's not really an easy answer to this. There are many different factors that go into calculating your rate.
May 15, 2019 Holyoke, MA

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.