Massachusetts Car Insurance Cost for 2025

• Massachusetts car insurance rates average $2,634 per year for full coverage, or about $220 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 $2,634 per year, which is 17% more than the U.S. average rate of $2,221. Per month, Massachussets car insurance costs around $220 for full coverage.

Average car insurance rates for a few of the more popular vehicles include the Chevrolet Equinox at an average of $2,422 per year, the Nissan Sentra at $2,410, the Hyundai Elantra at $2,858, the Nissan Altima at $2,852, and the Honda CR-V at $2,242 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 $1,844 per year for a 60-year-old driver with a policy with high deductibles to $6,156 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 $154 to $513 per month.

Is car insurance expensive in Massachusetts?

When compared to states that share a border, Massachusetts car insurance rates are 27.5% more expensive than Vermont, 4.4% cheaper than New York, 9.3% cheaper than Rhode Island, 1.5% cheaper than Connecticut, and 32.5% more expensive than New Hampshire.

When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 38.5% more expensive than Maine, 9% more expensive than Pennsylvania, 11.3% more expensive than Maryland, and 7.7% 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 11.4% more expensive than Texas, 11% more expensive than Oregon, 7.6% cheaper than California, 15.2% more expensive than Illinois, and 12.3% 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 $1,944 per year, the Toyota GR Corolla at $2,286 per year, the Kia K5 at $2,536 per year, the Honda Passport at $2,096 per year, the Chrysler 300 at $2,506 per year, the Chevrolet Tahoe at $2,470 per year, the Chevrolet Colorado at $2,318 per year, and the Nissan Titan at $2,462 per year.

For luxury cars and SUVs, the cheapest insurance rates in Massachusetts can be found on the Acura Integra at $2,340 per year, the Acura RDX at $2,200 per year, the Mercedes-Benz CLA250 at $2,706 per year, the Jaguar E-Pace at $2,460 per year, the Audi A5 at $3,126 per year, and the Infiniti QX80 at $2,950 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 - $2,604 per year or $217 per month
• Worcester Car Insurance - $2,698 per year or $225 per month
• Springfield Car Insurance - $2,850 per year or $238 per month
• Lowell Car Insurance - $2,496 per year or $208 per month
• Cambridge Car Insurance - $2,422 per year or $202 per month
• New Bedford Car Insurance - $2,668 per year or $222 per month
• Brockton Car Insurance - $3,254 per year or $271 per month