Massachusetts Car Insurance Cost for 2023

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 $1,922 per year, which is 14.1% 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.

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Chart Data Details: Chart shows average Massachusetts car insurance rates for 2023 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 December 29, 2022
Average Car Insurance Cost in Massachusetts
Average Car Insurance Cost in Massachusetts
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,238$270
$500$3,824$319
$250$4,444$370
30$1,000$1,698$142
$500$2,026$169
$250$2,366$197
40$1,000$1,624$135
$500$1,922$160
$250$2,236$186
50$1,000$1,478$123
$500$1,750$146
$250$2,032$169
60$1,000$1,454$121
$500$1,720$143
$250$1,996$166

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 50.2% more expensive than Vermont, 5.9% cheaper than New York, 12.1% cheaper than Rhode Island, 2.2% cheaper than Connecticut, and 62.6% more expensive than New Hampshire.

When compared to the rest of the states in the Northeast region, average car insurance quotes in Massachusetts are 81% more expensive than Maine, 13.5% more expensive than Pennsylvania, 17.3% more expensive than Maryland, and 10% 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$1,062-$860
New Hampshire$1,182-$740
Vermont$1,280-$642
Maryland$1,638-$284
Pennsylvania$1,694-$228
Massachusetts$1,922--
Connecticut$1,966$44
Delaware$2,008$86
New York$2,042$120
New Jersey$2,136$214
Rhode Island$2,186$264

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 17.3% more expensive than Texas, 16.6% more expensive than Oregon, 9.9% cheaper than California, 24.3% more expensive than Illinois, and 18.8% 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.

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Chart Data Details: Average Massachusetts car insurance cost by segment is based on 2023 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 December 30, 2022
Massachusetts Car Insurance Rates by Vehicle Segment
Massachusetts Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,750$146
Midsize Pickup$1,814$151
Midsize SUV$1,876$156
Minivan$1,884$157
Compact Car$1,916$160
Midsize Car$1,958$163
Compact Luxury SUV$2,078$173
Half-ton Pickup$2,086$174
Large SUV$2,102$175
Compact Luxury Car$2,118$177
Heavy Duty Pickup$2,210$184
Midsize Luxury SUV$2,232$186
Large Car$2,236$186
Midsize Luxury Car$2,442$204
Sports Car$2,628$219
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.

Top 75 Cheapest Car Insurance Rates in Massachusetts
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,454$121
2Subaru Crosstrek$1,468$122
3Nissan Kicks$1,472$123
4Honda Passport$1,492$124
5Nissan Rogue Sport$1,498$125
6Mazda CX-5$1,510$126
7Buick Encore$1,530$128
8Buick Envision$1,538$128
9Kia Seltos$1,556$130
10Subaru Ascent$1,562$130
11Hyundai Venue$1,568$131
12Subaru Impreza$1,590$133
13Ford Maverick$1,594$133
14Honda HR-V$1,600$133
15Chevrolet Colorado$1,602$134
16Acura RDX$1,604$134
17Hyundai Kona$1,612$134
18Subaru Forester$1,622$135
19Honda CR-V$1,628$136
20Ford Edge$1,630$136
21Mazda CX-30$1,634$136
22Ford Explorer$1,638$137
23Volkswagen Atlas$1,642$137
24Nissan Murano$1,650$138
25Chevrolet Trax$1,652$138
26Subaru Outback$1,656$138
27Nissan Frontier$1,660$138
28Volkswagen Tiguan$1,668$139
29Ford Bronco Sport$1,672$139
30Fiat 500X$1,702$142
31Ford Ranger$1,704$142
32GMC Terrain$1,706$142
33Kia Soul$1,712$143
34Mitsubishi Eclipse Cross$1,712$143
35Volkswagen Atlas Cross Sport$1,716$143
36Lexus RX 350$1,720$143
37Acura Integra$1,726$144
38Chevrolet Equinox$1,728$144
39Cadillac XT4$1,734$145
40Toyota Corolla Cross$1,734$145
41Volkswagen Taos$1,740$145
42GMC Canyon$1,746$146
43Toyota Venza$1,750$146
44Mazda CX-50$1,752$146
45Honda Odyssey$1,754$146
46Toyota Tacoma$1,756$146
47Hyundai Tucson$1,758$147
48Volkswagen Jetta$1,758$147
49Kia Sorento$1,760$147
50Ford Escape$1,762$147
51Nissan Rogue$1,766$147
52Subaru Legacy$1,768$147
53Volvo XC40$1,768$147
54Mazda MX-5 Miata$1,774$148
55Mazda MX-30$1,780$148
56Toyota RAV4$1,780$148
57Infiniti QX50$1,782$149
58Hyundai Santa Cruz$1,784$149
59Kia Niro$1,784$149
60Hyundai Palisade$1,786$149
61Nissan Sentra$1,786$149
62Mini Cooper$1,794$150
63Lexus UX 250h$1,796$150
64Chevrolet Tahoe$1,800$150
65Toyota 4Runner$1,800$150
66Toyota Corolla$1,802$150
67Jeep Compass$1,804$150
68Volkswagen Golf$1,808$151
69Toyota Prius$1,810$151
70Cadillac XT5$1,824$152
71Mini Cooper Clubman$1,826$152
72Toyota Camry$1,826$152
73GMC Acadia$1,832$153
74Chevrolet Traverse$1,834$153
75Mazda 3$1,844$154

    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 December 30, 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 the first 11 models in the chart below made the cheap ratings above.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Massachusetts car insurance cost is based on 2023 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 December 29, 2022
    Massachusetts Car Insurance Rates for Popular Vehicles
    Massachusetts Car Insurance Rates for Popular Vehicles
    Make/Model Annual Rate Monthly Rate
    Subaru Crosstrek$1,468$122
    Mazda CX-5$1,510$126
    Honda CR-V$1,628$136
    Toyota Tacoma$1,756$146
    Ford Escape$1,762$147
    Nissan Rogue$1,766$147
    Toyota RAV4$1,780$148
    Nissan Sentra$1,786$149
    Toyota Corolla$1,802$150
    Toyota Camry$1,826$152
    Chevrolet Traverse$1,834$153
    Kia Forte$1,886$157
    Ford F150$1,954$163
    Hyundai Santa Fe$1,970$164
    Ford Mustang$2,084$174
    GMC Sierra$2,098$175
    Ram Truck$2,100$175
    Chevrolet Silverado$2,102$175
    Jeep Wrangler$2,128$177
    Chevrolet Corvette$2,370$198

    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.