
Average Cost of Car Insurance in Massachusetts for 2025
Quick Answer
Car insurance in Massachusetts costs an average of $2,781 annually or $232 per month. However, your driving record, annual mileage and the car you drive can all affect how much you pay for car insurance.
The average cost of car insurance in Massachusetts is $2,781 annually or $232 per month, according to August 2025 Experian data based on policies sold through our automotive insurance marketplace.
Here are the average premium costs for full and minimum coverage car insurance in Massachusetts:
Type of Coverage | Annual Cost | Monthly Cost |
---|---|---|
Full coverage | $3,392 | $283 |
Minimum coverage | $1,900 | $158 |
Source: Experian
Massachusetts drivers are required to carry minimum liability coverage of $25,000 per person and $50,000 per accident for bodily injury, $30,000 per accident for property damage and $8,000 in personal injury protection (PIP) coverage. However, if your car is financed or leased, you typically need full coverage car insurance. Full coverage adds collision and comprehensive coverage, which covers needed repairs if the vehicle is damaged in a crash or by another event.
If your car isn't financed or leased, you could opt for minimum coverage insurance as a way to save on your monthly premium. However, this may not be enough to protect you financially. Insurance experts generally advise purchasing coverage of at least $100,000 per person and $300,000 per accident for bodily injuries and $100,000 for property damage.
Massachusetts is a no-fault state, and every auto policy must include PIP coverage. The driver's PIP may pay for medical expenses and lost wages for the people in their car regardless of who was at fault for an accident.
The cost of car insurance in Massachusetts can vary widely depending on factors such as:
- Your driving record (incidents and violations tend to drive your rates up)
- How many miles you drive each year (lower mileage could save you money)
- The type and amount of coverage you buy (more coverage can drive up costs)
Auto insurance companies in Massachusetts cannot consider your gender, marital or homeownership status or credit-based insurance scores when setting your premiums, and can only consider your age in order to give you a discount at age 65.
While our averages are good general guidelines, the actual price you pay for car insurance in Massachusetts could differ.
How Are Car Insurance Costs Trending?
The national average cost of car insurance has risen dramatically in recent years due to higher costs for vehicles, parts and repairs. Insurance companies are also raising rates to compensate for higher claims costs from increasingly serious accidents and severe weather events.
Average Annual Auto Insurance Premiums, 2023-2025
If you're not satisfied with how much you're paying for car insurance in Massachusetts, comparing car insurance quotes from other providers might help you find the same coverage for less. Experian's free car insurance comparison tool is a convenient way to gather quotes from multiple top insurance carriers at once.
Average Massachusetts Car Insurance Rates by Age and Gender
Although Massachusetts law prohibits insurance carriers from considering gender when setting auto insurance premiums, rates may still differ slightly by gender. The average cost of car insurance for men in Massachusetts is $2,725 annually or $227 per month. By comparison, women in Massachusetts pay an average of $2,853 annually or $238 per month for car insurance.
Gender | Annual Cost | Monthly Cost |
---|---|---|
Male | $2,725 | $227 |
Female | $2,853 | $238 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Younger drivers, particularly men, typically pay more than older drivers for car insurance because they have a statistically higher rate of accidents. Massachusetts doesn't allow insurance carriers to consider your age except when providing senior discounts. However, your car insurance rates may drop as you get older and have more driving experience.
The national average cost of car insurance for male drivers under 20 is $3,501 annually for car insurance, compared to $3,309 for female drivers in that age group.
Age | Female | Male |
---|---|---|
Under 20 | $3,309 | $3,501 |
20-29 | $2,684 | $2,767 |
30-39 | $2,394 | $2,265 |
40-49 | $2,299 | $2,163 |
50-59 | $2,021 | $1,969 |
60-69 | $1,737 | $1,722 |
70-79 | $1,720 | $1,849 |
80 or above | $1,806 | $1,987 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Learn more: Average U.S. Car Insurance Rates by Age and Gender
How Your Driving Record Impacts Your Insurance Costs in Massachusetts
Safe drivers are generally less likely to be involved in accidents or receive traffic citations, which typically translates into lower insurance premiums. Massachusetts drivers with a "clean" driving record that shows no incidents or violations pay an average of $2,684 annually for auto insurance. However, one moving violation can bring the cost of Massachusetts car insurance to an average of $3,054.
A driving record showing moving violations or accidents (even those in which you weren't at fault) could lead insurance providers to view you as a high-risk driver and raise your premiums accordingly. Multiple car accidents or serious infractions such as DUIs can have a bigger effect on the cost of car insurance and might even cause your insurer to cancel your policy.
The chart below shows how the number and severity of infractions may impact your Massachusetts car insurance costs. Incidents include things like traffic accidents or insurance claims; violations include moving violations, such as speeding tickets.
Driving Record | Annual Cost |
---|---|
Clean Record | $2,684 |
1 Incident | $2,949 |
1 Violation | $3,054 |
2 Incidents | $3,119 |
2 Violations | $3,875 |
3+ Incidents | $4,478 |
3+ Violations | $4,164 |
Source: Experian
Note: Costs above are a blended average of full and minimum coverage policies
Cheapest Car Insurance in Massachusetts
Elements such as your driving record, age and vehicle play a big role in the cost of car insurance, but they aren't the only factors that affect your premiums. Each insurance company uses its own criteria when setting rates, which means the price you're quoted can differ widely from one insurance provider to another.
Shopping around and comparing quotes from a variety of insurance companies can help you find the most affordable car insurance for your needs. The table below shows the cheapest full coverage auto insurance among the insurance carriers that sell the most policies in Massachusetts.
Carrier | Annual Cost | Monthly Cost |
---|---|---|
Liberty Mutual | $2,253 | $188 |
GEICO | $2,783 | $232 |
Bristol West | $3,496 | $291 |
Source: Experian data as of August 2025
Note: Costs above represent insurance quotes, not policy premiums
We can't know the exact method each insurance company uses to set rates. However, factors such as the company's estimated claims payouts, projected operating costs, profitability goals and risk tolerance typically figure into the calculation. For instance, a company that has higher overhead expenses may charge less than one with low overhead.
How to Save on Car Insurance in Massachusetts
Whether you're paying more or less than the average price for car insurance in Massachusetts, there are several things you can do to save money on car insurance