Are Car Insurance Costs Rising or Falling in Massachusetts?

As many drivers can attest, auto insurance rates commonly increase year-over-year. But car insurance is complicated: reasoning for rate hikes and price cuts may vary, and trends may differ based on the driver's location.

Geographic location is among the primary rating factors used by insurance companies to set premiums. The local area and state in which a car is stored and driven help determine auto insurance prices, which comes down state statutes and the differing levels of risk associated with insuring cars in various areas of the country.

Due to the dynamic nature of car insurance pricing, yearly rate trends vary by state. Auto insurance rates might be rising annually in a given state while they decrease in a neighboring state.

See below trending car insurance rates in Massachusetts. If you're paying too much, consider shopping around to find a better rate. The Zebra's car insurance comparison engine finds prices based on your specific profile — enter your ZIP below to get started.

Car insurance price trends in Massachusetts

Average annual auto insurance premiums in Massachusetts went up by $120 from 2017 to 2018. A normal driver in Massachusetts pays an average of $1,277 annually.

The year-over-year trend in Massachusetts is leaning toward pricier auto insurance costs. Between 2015 and 2018, rates increased by $329 per year. At the same time, insurance prices across the US have risen in recent years, jumping from $1,280 in 2015 to $1,470 in 2018.

Year Avg. Annual Premium — Massachusetts Yearly Change — Massachusetts Avg. Annual Premium — US Yearly Change — US
2018 $1,277 $120 $1,470 $32
2017 $1,157 -$6 $1,437 $69
2016 $1,163 $215 $1,368 $88
2015 $948 -$248 $1,280 $51
2014 $1,196 $133 $1,229 $34
2013 $1,063 -$478 $1,195 -$80
2012 $1,541 $287 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.

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How are car insurance rates changing in the largest cities in Massachusetts?

Car insurance rates are priced at the local level, with a number of location-specific variables impacting rates. That means drivers can see major differences in their auto insurance rates, based on their ZIP code or city. For example, drivers in Worcester faced a bigger year-over-year rate increase (2.3%) than their intrastate neighbors in Springfield (1.5%) between 2018 and 2017.

See below annual rate changes in major Massachusetts municipalities. If your city is expensive — and moving isn't on the table — consider shopping around for a more affordable rate.

City Avg. Premium Increase — 2018 vs. 2017
Worcester 2.3%
Springfield 1.5%
Cambridge 1.4%
Boston 1.0%
Lowell 0.8%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance