Average Cost of Car Insurance in Massachusetts for 2022 – Bankrate.com

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
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.
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.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
Save on auto insurance with quotes from trusted providers like
Drivers switch & save an average of $750+/year
Are you overpaying for auto insurance?
Safe drivers choose Allstate®
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
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Massachusetts drivers pay, on average, about $1,296 per year for full coverage car insurance, which is an estimated 27% below the national average cost 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:
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.

Every city in Massachusetts has a different car insurance rate. In addition to each city’s population size and crash statistics, variations in car insurance rates by city 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:
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 car insurance companies in Massachusetts to find the best coverage and cost for your needs.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.
The age 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.
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 car insurance discounts for teens that are offered by your carrier may help make the premium more manageable.
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 car insurance rating factors, like a speeding ticket or accident, could impact your rates.
One of the most critical factors in determining the cost of car insurance is your driving history. Drivers with a moving violation, like a speeding ticket or DUI 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 high-risk auto insurance in Massachusetts.


Every vehicle’s make and model has its own build quality and safety features, which every car insurance carrier will review and rate differently. 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.
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:
The best car insurance companies in Massachusetts 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.
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:
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).
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.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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