- Massachusetts car insurance rates average $1,246 per year for full coverage, or about $104 on a monthly basis.
- When compared to Northeast states, Massachusetts ranks fourth out of 11 states, costing more than New Hampshire but less than Pennsylvania.
- Some of the vehicles with the cheapest car insurance in Massachusetts include the Subaru Impreza, Mazda CX-5, Subaru Legacy, and Honda Passport.
What is average car insurance cost in Massachusetts?
In Massachusetts, the average cost of car insurance is $1,246 per year, which is 20.5% less than the U.S. average rate of $1,567. Per month, Massachussets car insurance costs around $104 for full coverage.
Average car insurance rates for a few of the more popular vehicles include the Chevrolet Equinox at an average of $1,166 per year, the Nissan Sentra at $1,218, the Hyundai Elantra at $1,406, the Nissan Altima at $1,396, and the Honda CR-V at $1,092 per year.
The chart below shows average auto insurance cost in Massachusetts for 2022 model year vehicles and different driver ages and policy deductible amounts.
|Driver Age||Deductible||Annual Cost||Monthly Cost|
As shown in the above chart, the average cost of auto insurance for 2022 model year vehicles in Massachusetts ranges from $944 per year for a 60-year-old driver with a policy with high deductibles to $2,868 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 $79 to $239 per month.
Is car insurance expensive in Massachusetts?
When compared to states that share a border, Massachusetts car insurance rates are 23.1% more expensive than Vermont, 23.1% cheaper than New York, 30.6% cheaper than Rhode Island, 15.6% cheaper than Connecticut, and 35.4% more expensive than New Hampshire.
When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 18.2% more expensive than Maine, 2.8% cheaper than Pennsylvania, 9.3% cheaper than Maryland, and 13.4% 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.
|Northeast Region States||Average Insurance Cost||Annual Difference|
Car insurance in Massachusetts ranks 17th out of all 50 U.S. states for affordability. When compared to states in other parts of the country, the average cost is 13.2% cheaper than Texas, 2.4% cheaper than Oregon, 28.6% cheaper than California, 1.1% more expensive than Illinois, and 8.1% cheaper 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 $130 less per year than a large SUV in Massachusetts.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$1,402||$117|
|Compact Luxury Car||$1,414||$118|
|Heavy Duty Pickup||$1,488||$124|
|Midsize Luxury SUV||$1,506||$126|
|Midsize Luxury Car||$1,650||$138|
|Large Luxury SUV||$1,882||$157|
|Large Luxury Car||$1,972||$164|
What is the cheapest car insurance in Massachusetts?
Vehicle models that have the cheapest car insurance rates in their respective segments are the Mazda CX-5 at $948 per year, the Subaru Impreza at $1,084 per year, the Subaru Legacy at $1,208 per year, the Honda Passport at $1,000 per year, the Toyota Avalon at $1,312 per year, the Chevrolet Tahoe at $1,252 per year, the Chevrolet Colorado at $1,028 per year, and the Ford F150 at $1,206 per year.
For luxury cars and SUVs, the cheapest insurance rates in Massachusetts can be found on the Mercedes-Benz A220 at $1,224 per year, the Acura RDX at $1,070 per year, the Acura ILX at $1,148 per year, the Cadillac XT5 at $1,226 per year, the Audi A5 at $1,464 per year, and the Volvo XC90 at $1,350 per year.
The table below ranks the overall top 75 cheapest vehicles to insure in Massachusetts from the 2022 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 ten of the top 75 cheapest vehicles to insure make it into our popular vehicles chart below. Models include the Honda CR-V, Mazda CX-5, Subaru CrossTrek, Toyota Tacoma, Ford Escape, Toyota Corolla, and Nissan Rogue.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,304||$109|
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 - $1,706 per year or $142 per month
- Worcester Car Insurance - $1,802 per year or $150 per month
- Springfield Car Insurance - $1,946 per year or $162 per month
- Lowell Car Insurance - $1,600 per year or $133 per month
- Cambridge Car Insurance - $1,532 per year or $128 per month
- New Bedford Car Insurance - $1,770 per year or $148 per month