- Massachusetts car insurance rates average $1,922 per year for full coverage, or about $160 on a monthly basis.
- When compared to Northeast states, Massachusetts ranks sixth out of 11 states, and the state ranks 38th out of all 50 states for cheapest overall car insurance rates.
- Some of the vehicles with the cheapest car insurance in Massachusetts include the Subaru Impreza, Chevrolet Trailblazer, Subaru Legacy, and Honda Passport.
What is average car insurance cost in Massachusetts?
In Massachusetts, the average cost of car insurance is $1,922 per year, which is 13.1% more than the U.S. average rate of $1,685. Per month, Massachussets car insurance costs around $160 for full coverage.
Average car insurance rates for a few of the more popular vehicles include the Chevrolet Equinox at an average of $1,728 per year, the Nissan Sentra at $1,786, the Hyundai Elantra at $2,102, the Nissan Altima at $2,054, and the Honda CR-V at $1,628 per year.
The chart below shows average auto insurance cost in Massachusetts for 2023 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 2023 model year vehicles in Massachusetts ranges from $1,454 per year for a 60-year-old driver with a policy with high deductibles to $4,444 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 $121 to $370 per month.
Is car insurance expensive in Massachusetts?
When compared to states that share a border, Massachusetts car insurance rates are 40.1% more expensive than Vermont, 6.1% cheaper than New York, 12.9% cheaper than Rhode Island, 2.3% cheaper than Connecticut, and 47.7% more expensive than New Hampshire.
When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 57.6% more expensive than Maine, 12.6% more expensive than Pennsylvania, 16% more expensive than Maryland, and 10.5% 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 38th out of all 50 U.S. states for affordability. When compared to states in other parts of the country, the average cost is 16% more expensive than Texas, 15.4% more expensive than Oregon, 10.5% cheaper than California, 21.7% more expensive than Illinois, and 17.2% 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.
|Vehicle Segment||Annual Rate||Monthly Rate|
|Compact Luxury SUV||$2,078||$173|
|Compact Luxury Car||$2,118||$177|
|Heavy Duty Pickup||$2,210||$184|
|Midsize Luxury SUV||$2,232||$186|
|Midsize Luxury Car||$2,442||$204|
|Large Luxury SUV||$2,824||$235|
|Large Luxury Car||$2,968||$247|
What is the cheapest car insurance in Massachusetts?
Vehicle models that have the cheapest car insurance rates in their respective segments are the Chevrolet Trailblazer at $1,454 per year, the Subaru Impreza at $1,590 per year, the Subaru Legacy at $1,768 per year, the Honda Passport at $1,492 per year, the Chrysler 300 at $1,874 per year, the Chevrolet Tahoe at $1,800 per year, the Ford Maverick at $1,594 per year, and the Nissan Titan at $1,902 per year.
For luxury cars and SUVs, the cheapest insurance rates in Massachusetts can be found on the Acura Integra at $1,726 per year, the Acura RDX at $1,604 per year, the Cadillac CT5 at $2,068 per year, the Lexus RX 350 at $1,720 per year, the Audi A5 at $2,154 per year, and the Volvo XC90 at $1,984 per year.
The table below ranks the overall top 75 cheapest vehicles to insure in Massachusetts from the 2023 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.
|Make/Model||Annual Rate||Monthly Rate|
|Hyundai Santa Fe||$1,970||$164|
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 - $1,894 per year or $158 per month
- Worcester Car Insurance - $1,990 per year or $166 per month
- Springfield Car Insurance - $2,142 per year or $179 per month
- Lowell Car Insurance - $1,784 per year or $149 per month
- Cambridge Car Insurance - $1,710 per year or $143 per month
- New Bedford Car Insurance - $1,958 per year or $163 per month
- Brockton Car Insurance - $2,554 per year or $213 per month