Massachusetts Car Insurance Cost for 2025

• Massachusetts car insurance rates average $2,676 per year for full coverage, or about $223 on a monthly basis.
• When compared to Northeast states, Massachusetts ranks sixth out of 11 states, and the state ranks 38^th out of all 50 states for cheapest overall car insurance rates.
• Some of the vehicles with the cheapest car insurance in Massachusetts include the Toyota GR Corolla, Subaru Crosstrek, Kia K5, and Honda Passport.

What is average car insurance cost in Massachusetts?

In Massachusetts, the average cost of car insurance is $2,676 per year, which is 16.2% more than the U.S. average rate of $2,276. Per month, Massachussets car insurance costs around $223 for full coverage.

Average car insurance rates for a few of the more popular vehicles include the Chevrolet Equinox at an average of $2,464 per year, the Nissan Sentra at $2,452, the Hyundai Elantra at $2,906, the Nissan Altima at $2,898, and the Honda CR-V at $2,280 per year.

The chart below shows average auto insurance cost in Massachusetts for 2024 model year vehicles and different driver ages and policy deductible amounts.

As shown in the above chart, the average cost of auto insurance for 2024 model year vehicles in Massachusetts ranges from $1,878 per year for a 60-year-old driver with a policy with high deductibles to $6,260 per year for a 20-year-old driver with low physical damage deductibles. From a monthly standpoint, the average cost for the driver ages in the chart above ranges from $157 to $522 per month.

Is car insurance expensive in Massachusetts?

When compared to states that share a border, Massachusetts car insurance rates are 26.9% more expensive than Vermont, 4.4% cheaper than New York, 9.3% cheaper than Rhode Island, 1.5% cheaper than Connecticut, and 31.7% more expensive than New Hampshire.

When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 37.8% more expensive than Maine, 8.8% more expensive than Pennsylvania, 11.1% more expensive than Maryland, and 7.6% cheaper than New Jersey.

The chart below shows how average auto insurance cost in Massachusetts compares to the rest of the states in the Northeast region.

Car insurance in Massachusetts ranks 38^th out of all 50 U.S. states for affordability. When compared to states in other parts of the country, the average cost is 11.1% more expensive than Texas, 10.7% more expensive than Oregon, 7.5% cheaper than California, 14.9% more expensive than Illinois, and 11.9% more expensive than Arizona.

Massachusetts car insurance rates by vehicle segment

When comparing car insurance rates, it’s often useful to be able to compare rates from a broader segment level. This lets consumers know if one type of vehicle generally has cheaper or more expensive car insurance than another.

For example, if you are considering buying either a minivan or SUV, it would be helpful to know that on average, minivan insurance costs around $350 less per year than a large SUV in Massachusetts.

What is the cheapest car insurance in Massachusetts?

Vehicle models that have the cheapest car insurance rates in their respective segments are the Subaru Crosstrek at $1,974 per year, the Toyota GR Corolla at $2,322 per year, the Kia K5 at $2,578 per year, the Honda Passport at $2,130 per year, the Chrysler 300 at $2,546 per year, the Chevrolet Tahoe at $2,512 per year, the Chevrolet Colorado at $2,356 per year, and the Nissan Titan at $2,502 per year.

For luxury cars and SUVs, the cheapest insurance rates in Massachusetts can be found on the Acura Integra at $2,378 per year, the Acura RDX at $2,234 per year, the Mercedes-Benz CLA250 at $2,752 per year, the Jaguar E-Pace at $2,500 per year, the Audi A5 at $3,178 per year, and the Infiniti QX80 at $2,998 per year.

The table below ranks the overall top 75 cheapest vehicles to insure in Massachusetts from the 2024 model year. Vehicles are chosen from all segments including luxury models.

Massachusetts car insurance rates for popular vehicles

Often the most popular vehicles are not necessarily the cheapest to insure. In the case of Massachusetts and our top 75 rankings above, only the first 11 models in the chart below made the cheap ratings above.

Average insurance rates by city

Average annual and monthly car insurance quotes are listed below for some of the more populated cities in Massachusetts. Click on any city to view rate information including overall averages, rate comparisons, and the rankings of the top cheapest vehicles to insure by automotive segment.

• Boston Car Insurance - $2,650 per year or $221 per month
• Worcester Car Insurance - $2,742 per year or $229 per month
• Springfield Car Insurance - $2,892 per year or $241 per month
• Lowell Car Insurance - $2,538 per year or $212 per month
• Cambridge Car Insurance - $2,462 per year or $205 per month
• New Bedford Car Insurance - $2,712 per year or $226 per month
• Brockton Car Insurance - $3,296 per year or $275 per month