Average car insurance cost in Massachusetts
Massachusetts lands in the affordable middle of the pack at #18 of 51, with average premiums about 13% below the national average — around $324 a year cheaper than the typical American driver pays.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
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How Massachusetts compares with its neighbors
Crossing a state line changes your premium more than almost any other single factor. Here's full coverage in Massachusetts next to nearby states:
| State | Full coverage /mo | Difference vs MA |
|---|---|---|
| Massachusetts | $181 | — |
| New Hampshire | $134 | −$47/mo |
| Connecticut | $305 | +$124/mo |
| Rhode Island | $276 | +$95/mo |
| New York | $226 | +$45/mo |
Massachusetts car insurance FAQ
How much is car insurance in Massachusetts?
Full-coverage car insurance in Massachusetts averages $181 per month ($2,172 per year). A state-minimum liability policy averages $73 per month ($876 per year). Your own rate depends on your age, record, vehicle, credit and ZIP code.
Is car insurance in Massachusetts more expensive than average?
No. Massachusetts's full-coverage average of $181/month is about 13% below the U.S. average of $208/month, ranking #18 of 51 (1 = cheapest).
Is Massachusetts a no-fault state?
Yes. Massachusetts uses a no-fault system, meaning drivers carry personal injury protection (PIP) and file injury claims with their own insurer regardless of who caused the accident. No-fault requirements are one reason premiums here run higher.
How much cheaper is minimum coverage in Massachusetts?
Minimum liability in Massachusetts averages $73/month versus $181/month for full coverage — a gap of $108/month, or $1,296/year. Minimum coverage only pays for damage you cause to others; it will not repair or replace your own car.
The single most reliable way to cut your premium is comparing quotes — the gap between the cheapest and priciest carrier for the same coverage regularly exceeds $1,000 a year.
Compare car insurance quotesWe may earn a commission if you request quotes through this link. It costs you nothing and never affects the data we publish.