Massachusetts Car Insurance Cost for 2022

What is average car insurance cost in Massachusetts? We break down average rates plus find the top 75 vehicles with the cheapest auto insurance cost.

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What is average car insurance cost in Massachusetts?

In Massachusetts, the average cost of car insurance is $1,246 per year, which is 19.7% less than the U.S. average rate of $1,551. 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 $1,398, and the Honda CR-V at $1,094 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.

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Chart Data Details: Chart shows average Massachusetts car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Massachusetts zip codes.Data last updated on May 19, 2022
Average Car Insurance Cost in Massachusetts
Average Car Insurance Cost in Massachusetts
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,102$175
$500$2,476$206
$250$2,868$239
30$1,000$1,102$92
$500$1,312$109
$250$1,528$127
40$1,000$1,054$88
$500$1,246$104
$250$1,446$121
50$1,000$964$80
$500$1,136$95
$250$1,316$110
60$1,000$944$79
$500$1,114$93
$250$1,292$108

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.

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Massachusetts Car Insurance Cost Compared to Northeast Region
Average Car Insurance Cost in Massachusetts Compared to Northeast Region
Northeast Region States Average Insurance Cost Annual Difference
New Hampshire$920-$326
Vermont$1,012-$234
Maine$1,054-$192
Massachusetts$1,246--
Pennsylvania$1,282$36
Maryland$1,374$128
New Jersey$1,438$192
Connecticut$1,476$230
Delaware$1,550$304
New York$1,620$374
Rhode Island$1,796$550

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, 2.5% 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.

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Chart Data Details: Average Massachusetts car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Massachusetts Zip Codes.Data last updated on April 12, 2022
Massachusetts Car Insurance Rates by Vehicle Segment
Massachusetts Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,166$97
Midsize Pickup$1,194$100
Minivan$1,254$105
Midsize SUV$1,260$105
Compact Car$1,284$107
Midsize Car$1,300$108
Half-ton Pickup$1,356$113
Compact Luxury SUV$1,402$117
Large SUV$1,406$117
Compact Luxury Car$1,414$118
Large Car$1,444$120
Heavy Duty Pickup$1,488$124
Midsize Luxury SUV$1,506$126
Midsize Luxury Car$1,650$138
Sports Car$1,762$147
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 $1,210 per year, the Honda Passport at $1,000 per year, the Toyota Avalon at $1,312 per year, the Chevrolet Tahoe at $1,254 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 $1,226 per year, the Acura RDX at $1,070 per year, the Acura ILX at $1,150 per year, the Cadillac XT5 at $1,228 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.

Top 75 Cheapest Car Insurance Rates in Massachusetts
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$948$79
2Nissan Kicks$976$81
3Chevrolet Trailblazer$980$82
4Honda Passport$1,000$83
5Subaru Crosstrek$1,002$84
6Chevrolet Colorado$1,028$86
7Buick Encore$1,032$86
8Toyota C-HR$1,032$86
9Nissan Rogue Sport$1,042$87
10Buick Envision$1,060$88
11Hyundai Venue$1,060$88
12Kia Seltos$1,064$89
13Ford Maverick$1,068$89
14Acura RDX$1,070$89
15Subaru Ascent$1,070$89
16Toyota Corolla Cross$1,074$90
17Subaru Forester$1,078$90
18Hyundai Kona$1,082$90
19Mazda MX-5 Miata$1,082$90
20Subaru Impreza$1,084$90
21Volkswagen Tiguan$1,084$90
22Chevrolet Spark$1,088$91
23Honda CR-V$1,094$91
24Cadillac XT4$1,096$91
25Mazda CX-30$1,104$92
26Ford Ranger$1,110$93
27Ford Edge$1,122$94
28Honda HR-V$1,122$94
29Ford Ecosport$1,132$94
30Subaru Outback$1,142$95
31Chevrolet Trax$1,146$96
32Acura ILX$1,150$96
33GMC Terrain$1,150$96
34Mitsubishi Eclipse Cross$1,154$96
35Toyota Tacoma$1,158$97
36Nissan Murano$1,160$97
37Hyundai Tucson$1,162$97
38Chevrolet Bolt$1,166$97
39Chevrolet Equinox$1,166$97
40Honda Odyssey$1,166$97
41Toyota Venza$1,168$97
42Ford Explorer$1,172$98
43Volkswagen Taos$1,172$98
44Fiat 500X$1,176$98
45Toyota RAV4$1,180$98
46Kia Sorento$1,182$99
47Kia Soul$1,182$99
48Nissan Frontier$1,188$99
49GMC Canyon$1,196$100
50Hyundai Palisade$1,196$100
51Volkswagen Golf$1,200$100
52Volvo XC40$1,200$100
53Hyundai Santa Cruz$1,202$100
54Mazda MX-30$1,204$100
55Ford F150$1,206$101
56Volkswagen Atlas$1,206$101
57Jeep Compass$1,210$101
58Subaru Legacy$1,210$101
59Kia Niro$1,212$101
60Honda Insight$1,214$101
61Volkswagen Jetta$1,214$101
62Honda Ridgeline$1,216$101
63Nissan Sentra$1,218$102
64Toyota 4Runner$1,218$102
65Nissan Rogue$1,224$102
66Kia K5$1,226$102
67Mercedes-Benz A220$1,226$102
68Cadillac XT5$1,228$102
69Jeep Gladiator$1,228$102
70Toyota Camry$1,228$102
71Ford Escape$1,230$103
72Kia Rio$1,230$103
73Toyota Corolla$1,230$103
74Volkswagen Passat$1,234$103
75Honda Civic$1,236$103

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Massachusetts.Data last updated on March 24, 2022
    Top 75 Cheapest Car Insurance Rates in Massachusetts

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Massachusetts car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Massachusetts Zip Codes.Data last updated on April 2, 2022
    Massachusetts Car Insurance Rates for Popular Vehicles
    Massachusetts Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Mazda CX-5$948$79
    Subaru Crosstrek$1,002$84
    Honda CR-V$1,094$91
    Toyota Tacoma$1,158$97
    Toyota RAV4$1,180$98
    Ford F150$1,206$101
    Nissan Sentra$1,218$102
    Nissan Rogue$1,224$102
    Toyota Camry$1,228$102
    Ford Escape$1,230$103
    Toyota Corolla$1,230$103
    GMC Sierra$1,270$106
    Kia Forte$1,276$106
    Chevrolet Traverse$1,286$107
    Hyundai Santa Fe$1,304$109
    Ford Mustang$1,314$110
    Chevrolet Silverado$1,340$112
    Ram Truck$1,426$119
    Jeep Wrangler$1,430$119
    Chevrolet Corvette$1,572$131

    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.