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

The Zebra
Feb. 8, 2019

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

But car insurance costs are affected by factors aside from your location. Car insurance rates price based on myriad details, including your age, gender, marital status, credit rating, and driving history.

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 Massachusetts auto insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

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 more risky.

In Massachusetts, car 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.


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

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.




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. It's the only state in which this is the case.


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

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.




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, wedded drivers save $0 per year on car insurance. This is less than the national mean of $76.


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

Auto insurance for divorced drivers in Massachusetts is the 36th most expensive in the US. 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, a motorist boasting excellent credit saves $0.00 per year in insurance payments, versus a driver saddled with a poor credit history. Learn more about how credit score can impact auto insurance expenses:


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

Finding inexpensive car insurance coverage with a low credit score can be tricky. But The Zebra is here to provide some help. Check out our guide to getting car insurance with poor credit and learn how to save!




Average Car Insurance Costs for High-Risk Drivers in Massachusetts

If you've been defined as to be 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 $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.


MASSACHUSETTS AUTO INSURANCE PREMIUMS AFTER VIOLATIONS
AgeAverage 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.