Massachusetts Car Insurance Cost for 2021

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 $1,272 per year, which is 16.5% less than the U.S. average rate of $1,523. Per month, Massachussets car insurance costs around $106 for full coverage.

Average car insurance rates for a few of the more popular vehicles include the Chevrolet Equinox at an average of $1,150 per year, the Nissan Sentra at $1,260, the Hyundai Elantra at $1,434, the Nissan Altima at $1,316, and the Honda CR-V at $956 per year.

The chart below shows average auto insurance cost in Massachusetts for 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Massachusetts zip codes.
Average Car Insurance Cost in Massachusetts
Average Car Insurance Cost in Massachusetts
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,146$179
$500$2,530$211
$250$2,936$245
30$1,000$1,126$94
$500$1,342$112
$250$1,566$131
40$1,000$1,074$90
$500$1,272$106
$250$1,478$123
50$1,000$984$82
$500$1,160$97
$250$1,346$112
60$1,000$964$80
$500$1,138$95
$250$1,320$110

As shown in the above chart, the average cost of auto insurance for 2021 model year vehicles in Massachusetts ranges from $964 per year for a 60-year-old driver with a policy with high deductibles to $2,936 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 $80 to $245 per month.

Is car insurance expensive in Massachusetts?

When compared to states that share a border, Massachusetts car insurance rates are 20.9% more expensive than Vermont, 24.4% cheaper than New York, 29.5% cheaper than Rhode Island, 23.3% cheaper than Connecticut, and 15.6% more expensive than New Hampshire.

When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 32.5% more expensive than Maine, 4.9% cheaper than Pennsylvania, 9.1% cheaper than Maryland, and 13.6% 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.

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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
Maine$960-$312
Vermont$1,052-$220
New Hampshire$1,100-$172
Massachusetts$1,272--
Pennsylvania$1,338$66
Maryland$1,400$128
New Jersey$1,472$200
Delaware$1,644$372
Connecticut$1,658$386
New York$1,682$410
Rhode Island$1,804$532

Car insurance in Massachusetts ranks 20th out of all 50 U.S. states for affordability. When compared to states in other parts of the country, the average cost is 13.6% cheaper than Texas, 5.2% cheaper than Oregon, 24.1% cheaper than California, 18% more expensive than Illinois, and 7.2% 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 2021 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.
Massachusetts Car Insurance Rates by Vehicle Segment
Massachusetts Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,148$96
Midsize Truck$1,156$96
Large Van$1,162$97
Midsize Minivan$1,184$99
Midsize SUV$1,238$103
Midsize Van$1,248$104
Small Car$1,280$107
Large Truck$1,290$108
Midsize Car$1,304$109
Large SUV$1,316$110
Small Luxury SUV$1,338$112
Large Car$1,382$115
Heavy Duty Truck$1,430$119
Midsize Luxury SUV$1,434$120
Small Luxury Car$1,478$123
Midsize Luxury Car$1,686$141
Large Luxury SUV$1,716$143
Sports Car$1,858$155
Large Luxury Car$1,964$164
Exotic Car$2,614$218

What is the cheapest car insurance in Massachusetts?

Vehicle models that have the cheapest car insurance rates in their respective segments are the Subaru Forester at $946 per year, the Volkswagen Golf at $1,016 per year, the Mazda 6 at $1,182 per year, the Ford Edge at $1,012 per year, the Kia Cadenza at $1,292 per year, the Toyota Sequoia at $1,258 per year, the Toyota Tacoma at $1,076 per year, and the Ford F150 at $1,214 per year.

For luxury cars and SUVs, the cheapest insurance rates in Massachusetts can be found on the Mercedes-Benz A220 at $1,248 per year, the Acura ILX at $1,188 per year, the Volvo S90 at $1,390 per year, the Volvo XC40 at $1,050 per year, the Volvo V60 at $1,202 per year, and the Volvo XC90 at $1,222 per year.

The table below ranks the overall top 75 cheapest vehicles to insure in Massachusetts from the 2021 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
1Subaru Forester$946$79
2Honda CR-V$956$80
3Ram Promaster City$996$83
4Mazda CX-3$1,002$84
5Kia Sportage$1,010$84
6Toyota C-HR$1,010$84
7Ford Edge$1,012$84
8Volkswagen Golf$1,016$85
9Mazda CX-5$1,026$86
10Subaru Crosstrek$1,038$87
11Chevrolet Spark$1,048$87
12Volvo XC40$1,050$88
13Hyundai Venue$1,058$88
14Volkswagen Atlas$1,066$89
15Subaru Impreza$1,068$89
16Hyundai Kona$1,070$89
17Kia Soul$1,072$89
18Kia Telluride$1,074$90
19Toyota Tacoma$1,076$90
20Chevrolet Blazer$1,078$90
21Jeep Compass$1,080$90
22Kia Sedona$1,080$90
23Subaru Outback$1,080$90
24Chevrolet Colorado$1,082$90
25Kia Rio5$1,082$90
26Mazda CX-30$1,082$90
27Honda Passport$1,084$90
28Nissan Kicks$1,084$90
29Mitsubishi Eclipse Cross$1,086$91
30Subaru Ascent$1,086$91
31Ford Escape$1,088$91
32Hyundai Tucson$1,090$91
33Nissan Frontier$1,094$91
34Acura RDX$1,098$92
35Volkswagen Tiguan$1,098$92
36Honda Pilot$1,100$92
37Toyota Corolla$1,106$92
38Ford Ecosport$1,108$92
39Buick Envision$1,112$93
40Kia Seltos$1,116$93
41Nissan Rogue Sport$1,124$94
42Chevrolet Trax$1,130$94
43Chevrolet Trailblazer$1,132$94
44Cadillac XT4$1,134$95
45Buick Encore$1,138$95
46Chevrolet Express$1,140$95
47Jeep Renegade$1,146$96
48Nissan Rogue$1,146$96
49Chevrolet Equinox$1,150$96
50Nissan Murano$1,150$96
51Nissan NV$1,150$96
52Ford Transit Connect$1,158$97
53Chrysler Pacifica$1,162$97
54Fiat 500X$1,164$97
55Mazda MX-5 Miata$1,166$97
56GMC Savana$1,170$98
57Hyundai Palisade$1,178$98
58Ford Ranger$1,180$98
59GMC Terrain$1,182$99
60Mazda 6$1,182$99
61Honda Insight$1,186$99
62Jeep Gladiator$1,186$99
63Acura ILX$1,188$99
64Subaru Legacy$1,192$99
65Honda Civic$1,196$100
66Honda HR-V$1,198$100
67Volvo V60$1,202$100
68Acura MDX$1,206$101
69Cadillac XT5$1,206$101
70Kia Rio$1,212$101
71Toyota 4Runner$1,212$101
72Ford F150$1,214$101
73Mazda 3$1,216$101
74Ram Promaster$1,218$102
75Kia Niro$1,220$102

    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.
    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 seven of the top 75 cheapest vehicles to insure make it into our popular vehicles chart below: 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 2021 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.
    Massachusetts Car Insurance Rates for Popular Vehicles
    Massachusetts Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Honda CR-V$956$80
    Mazda CX-5$1,026$86
    Subaru Crosstrek$1,038$87
    Toyota Tacoma$1,076$90
    Ford Escape$1,088$91
    Toyota Corolla$1,106$92
    Nissan Rogue$1,146$96
    Ford F150$1,214$101
    Toyota RAV4$1,224$102
    Kia Forte$1,244$104
    GMC Sierra$1,244$104
    Nissan Sentra$1,260$105
    Toyota Camry$1,272$106
    Chevrolet Traverse$1,306$109
    Jeep Wrangler$1,314$110
    Hyundai Santa Fe$1,324$110
    Chevrolet Silverado$1,328$111
    Ram Truck$1,382$115
    Ford Mustang$1,424$119
    Chevrolet Corvette$1,634$136

    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.