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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 02, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
The average cost of car insurance in Massachusetts is $1,296 per year for full coverage and $446 per year for minimum coverage in 2022, according to Bankrate's study of average rate data from Quadrant Information Services. This amounts to an average monthly cost of $108 per month for full coverage car insurance and $37 per month for minimum coverage policies. While both rates are far below the national average, there are many factors that go into car insurance premiums. Bankrate's insurance editorial team explores the average cost of car insurance in Massachusetts for a variety of driver profiles and vehicles. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Key takeaways The average cost of car insurance in Massachusetts is 27% below the national average for full coverage, and 18% below the national average for minimum coverage. While Massachusetts is a cheap state for car insurance, two nearby states are even cheaper on average for full coverage car insurance: Vermont at $1,000 per year and New Hampshire at $1,182 per year. Compare rates and save on auto insurance today! Get quotes Close X How much does car insurance cost in Massachusetts
Massachusetts drivers pay, on average, about $1,296 per year for full coverage car insurance, which is an estimated 27% below the of $1,771 per year. Minimum coverage in Massachusetts is also cheaper at $446 per year, which is about 18% below the national average cost of $545 per year. All figures are from Bankrate's study of 2022 average rates from Quadrant Information Services. Below is a summary of average car insurance rates in Massachusetts for both minimum and full coverage premiums: This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. AVERAGE ANNUAL MINIMUM COVERAGE PREMIUM AVERAGE ANNUAL FULL COVERAGE PREMIUM $446 $1,296 Massachusetts car insurance rates by city
Every city in Massachusetts has a different car insurance rate. In addition to each city's population size and crash statistics, variations in can also be attributed to driving patterns, theft and vandalism rates, frequency of claims, cost of vehicle repairs and more. For example, the average cost of car insurance in the cities of Brockton and Lynn are significantly more expensive than the state average and cities like Fall River and Cambridge. Below are full coverage rates for the 10 most populated cities in the commonwealth and how they compare to the state average: CITY Average annual minimum coverage premium Average annual full coverage premium Boston $507 $1,555 Brockton $759 $2,019 Cambridge $462 $1,304 Fall River $568 $1,574 Lowell $518 $1,367 Lynn $667 $1,865 New Bedford $563 $1,572 Quincy $499 $1,444 Springfield $675 $1,710 Worcester $556 $1,594 Massachusetts car insurance rates by insurance company
Every car insurance company has its own underwriting method for determining car insurance rates. Rates can even vary within the same ZIP code, which is why it's recommended to obtain quotes from multiple to find the best coverage and cost for your needs. Insurance company Average Annual Minimum Coverage Premium Average Annual Full Coverage Premium Average Annual Minimum Coverage Premium $426 Average Annual Full Coverage Premium $1,473 Average Annual Minimum Coverage Premium $427 Average Annual Full Coverage Premium $1,478 Average Annual Minimum Coverage Premium $460 Average Annual Full Coverage Premium $1,592 Average Annual Minimum Coverage Premium $494 Average Annual Full Coverage Premium $1,110 Average Annual Minimum Coverage Premium $297 Average Annual Full Coverage Premium $1,010 Average Annual Minimum Coverage Premium $348 Average Annual Full Coverage Premium $904 Average Annual Minimum Coverage Premium $232 Average Annual Full Coverage Premium $1,427 Average Annual Minimum Coverage Premium $728 Average Annual Full Coverage Premium $2,078 Average Annual Minimum Coverage Premium $382 Average Annual Full Coverage Premium $1,206 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Massachusetts car insurance rates by age
The of a driver can play an important role in determining car insurance costs. Younger drivers are statistically more likely to get into accidents compared to older drivers. As they gain experience, their car insurance cost generally decreases after age 20. Each age demographic has its associated strengths and risks, which are reflected in the average annual premium costs. Average cost of car insurance for drivers on their parent s policy
Parents are often prepared for an increase in their car insurance payments once a teen driver is added to their policy. This is because car insurance companies view young drivers as more of a risk due to their lack of experience behind the wheel compared to older drivers. Still, taking advantage of any that are offered by your carrier may help make the premium more manageable. Age Average annual premium for full coverage in Massachusetts $3,061 $2,852 $2,704 $2,176 $2,016 Average cost of car insurance for drivers on their own policy
In Massachusetts, a young driver on their own policy can typically expect to pay slightly more for car insurance compared to a 30- or 40-year-old driver. With time and more experience behind the wheel, car insurance rates tend to decline. Still, it's important to keep in mind that the lowest rates are typically offered to drivers with clean driving records, and , like a speeding ticket or accident, could impact your rates. Age Average annual premium for full coverage in Massachusetts Age 18 $4,577 $1,478 $1,371 $1,296 $1,200 Massachusetts car insurance rates by driving record
One of the most critical factors in determining the cost of car insurance is your driving history. Drivers with a moving violation, like a or on their driving record, generally incur a surcharge on their auto insurance policy for at least three years in the commonwealth. The table below shows an estimate of how much each incident could affect the average annual premium in Massachusetts, but the final premium may vary depending on the frequency and severity of incidents, as well as each company's underwriting methodology. For drivers with repeat infractions on their record, some car insurance companies may even deny coverage. In these situations, there are carriers that specialize in . DRIVING INCIDENT AVERAGE ANNUAL PREMIUM IN MASSACHUSETTS % INCREASE IN AVERAGE ANNUAL PREMIUM Clean driving record $1,296 0% Speeding ticket $1,716 24% At-fault accidents $2,169 40% DUI $2,465 47% Massachusetts car insurance rates by vehicle type
Every vehicle's has its own build quality and safety features, which every car insurance carrier will . The vehicles below would suit a variety of lifestyles and budgets, and serve as a tool to show how much car insurance can vary depending on a vehicle's make and model. VEHICLE AVERAGE ANNUAL FULL COVERAGE PREMIUM $1,695 $1,092 $1,057 $1,484 How to save on car insurance in Massachusetts
While car insurance in Massachusetts is more affordable on average compared to many other states, there are still a few ways you may be able to save a little money. Here are some tips that may help you save money on car insurance: Review your annual mileage. Car insurance companies will typically send a request for each of your vehicle's odometer readings each year to get an idea of how much you drive. If you've recently had a lifestyle change, switched jobs or shifted to work from home, the changes can be captured through an odometer reading. Explore car insurance with telematics. Many car insurance companies now offer supplemental programs that reward drivers based on safe driving habits. This could be a good opportunity to practice safe driving, like maintaining a legal speed and braking slowly, while also earning a discount on your car insurance. Check all discount opportunities. If you're in a specific profession, part of an organization or are a young driver who's still in school, there could be a unique discount opportunity available to help you save even more. Shop around with more than one insurance carrier. If you're in the market for new car insurance in Massachusetts, be sure to request quotes from more than one company. Comparing personalized rates and policy options can help you determine which company will offer you the best rate for your desired coverage. Frequently asked questions
The average cost of minimum coverage insurance in Massachusetts is $510 per year, which is nearly 10% less than the national average of $565. The state's minimum requirements for car insurance are: $20,000 in bodily injury liability and uninsured bodily injury liability insurance per person $40,000 in bodily injury liability and uninsured bodily injury liability insurance per accident $5,000 in property damage liability insurance per accident $8,000 for insurance
You need to carry the minimum car insurance required by the state in order to drive legally in Massachusetts. If you finance or lease a car, your lender will almost certainly require you to also have and coverage in order to protect. But even if you own your car in full, a minimum coverage car insurance policy could leave you vulnerable to financial losses, especially if you are at-fault in an accident. As such, it may benefit you to speak with a licensed insurance agent to determine how much coverage you need.
Bankrate data collected from Quadrant Information Services shows that Plymouth Rock and Safety Insurance are some of the in Massachusetts. However, you may find a if you shop for quotes because pricing is based on a number of factors, including your personal driving history and age.
The are Geico, Amica and Progressive, according to Bankrate's study of dozens of carriers in the state. However, these carriers may not be ideal for every driver, as everyone's coverage needs, lifestyle, budgets and risk profile are different. It may be helpful to determine what's most important to you and then find car insurance carriers that match your needs or wants in order to help guide you on your journey to find the best car insurance.
When shopping for coverage, ask your insurance professional to provide financial strength ratings for the carriers you are considering, as well as their claims-paying history and customer service rankings. This information can give you valuable insight into their history of claims handling and customer service. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a male and female driver with good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Driving record rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Model: To determine cost by vehicle type, we evaluated our base profile with the following vehicles applied: BMW 330i, Ford F-150, Honda Odyssey, Toyota Prius and Toyota Camry (base). Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Angelica Leicht is an insurance editor on the Bankrate team. She is truly passionate about helping readers make well-informed decisions for their wallets, whether the goal is to find the right comprehensive auto policy or the best life insurance policy for their needs. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.