What's the Average Cost of Auto Insurance in Massachusetts?

The Zebra
Oct. 11, 2018

Car insurance is typically inexpensive in Massachusetts. The average car insurance cost in Massachusetts is $1,201 per year — 15.8% less than the US average.

Your auto insurance premiums are dictated by more than just the state in which you live. Car insurance rates take into account myriad factors, including your credit score, driving record, age, gender, and marital status.

We analyzed average Massachusetts car insurance rates by all of the major pricing factors. See below how much car insurance runs in your state — or submit your zip code to view unique rates from top car insurers.


Mean Car Insurance Prices in Massachusetts by Age

It’s a fact of life: as you age, your car insurance rates shift. Generally speaking, auto insurance is pricier for young drivers, as underwriters see inexperienced drivers as more risky.

In Massachusetts, auto insurance runs $5,046 each year for a 16-year-old motorist, versus $1,030 yearly for a client aged from 50 to 60.


MASSACHUSETTS CAR INSURANCE RATES 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 Car Insurance Expenditures in Massachusetts by Gender

While gender doesn’t carry as significant an effect on auto insurance rates as a driver's location or experience level, it is used as a rating factor. for car insurance in Massachusetts, but the discrepancy is only $0.00 annually.

MASSACHUSETTS AUTO INSURANCE RATES BY GENDER
Gender Average Annual Cost
Male $1,150.90
Female $1,150.90



Average Auto Insurance Premiums in Massachusetts by Marital Status

A benefit of wedlock — in addition to the honeymoon — is the price cut you may get on your car insurance policy. In the state of Massachusetts, married drivers save $0 each year on car insurance. This is less than the national average of $76.


MASSACHUSETTS AUTO 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



Average Car Insurance Costs in Massachusetts by Credit History

Auto insurance companies reference credit to gauge how reliable a client will be. Historical data suggest drivers with solid credit are more dependable auto insurance clients: they less frequently file claims covered by auto insurance.

In the state of Massachusetts, a driver who has outstanding credit saves $0.00 per year in insurance payments, compared to a driver who has a low credit rating. Learn more about how credit score can affect auto insurance premiums:


MASSACHUSETTS CAR INSURANCE RATES BY CREDIT SCORE
Credit Score Average Yearly Rate
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 Bad Motorists in Massachusetts

If you've been defined as at fault in an accident or convicted of an on-road violation, your insurance rates are bound to grow. The more violations you accumulate, the more costly your car insurance policy gets.

In Massachusetts, your first minor at-fault crash results in a penalty of $678.18 annually in car insurance premiums. A DUI or DWI — thought of as one of the most severe driving infractions — can raise your insurance rates in Massachusetts by as much as $1,091.50.


MASSACHUSETTS CAR INSURANCE PRICES AFTER VIOLATIONS
Age Average Yearly Rate
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 your policy is more costly than the state average, it's worth shopping policies to find reasonably priced coverage that covers your vehicle appropriately.


Compare over 200 insurance companies at once!

Don't forget to share!