Average Car Insurance Costs for Massachusetts
Massachusetts car insurance averages $155 per month for full coverage in 2026, based on InsuranceQuotes.com’s analysis of market rate data. MAPFRE Insurance and Safety Insurance offer the most competitive rates in Massachusetts. Massachusetts is one of only three states that bans insurers from using credit scores to price auto policies — making driving record, vehicle, and ZIP code the primary pricing factors.
- On average minimum liability for Massachusetts drivers is $99 a month or $1,189 a year. Full coverage policies cost around $296 a month or $3,548 a year.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in MA – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
Cheapest Car Insurance Companies in Massachusetts
- In Massachusetts on average the cheapest car insurance providers are Plymouth Rock, Arbella Mutual and GEICO. State minimum liability car insurance starts at $38 a month or $453 a year with Plymouth Rock. Full coverage car insurance starts at $134 a month or $1,604 a year with GEICO.
Here is a breakdown of average costs from the cheapest local insurance providers in MA from our cost data set of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| Plymouth Rock | $453 | $38 | $2,157 | $180 |
| Arbella Mutual | $563 | $47 | $2,082 | $174 |
| GEICO | $626 | $52 | $1,604 | $134 |
| Progressive | $722 | $60 | $1,724 | $144 |
| Safety Auto | $1,156 | $96 | $5,307 | $442 |
Massachusetts Car Insurance Rates by City
| Massachusetts City: | State Minimum: | SM Monthly: | Full Coverage Policy: | FC Monthly: |
|---|---|---|---|---|
| Boston | $955 | $80 | $3,591 | $299 |
| Brockton | $1,415 | $118 | $4,494 | $375 |
| Cambridge | $835 | $70 | $2,903 | $242 |
| Fall River | $982 | $82 | $3,363 | $280 |
| Framingham | $843 | $70 | $2,908 | $242 |
| Haverhill | $793 | $66 | $2,812 | $234 |
| Lawrence | $948 | $79 | $3,326 | $277 |
| Lowell | $911 | $76 | $2,945 | $245 |
| Lynn | $1,148 | $96 | $3,960 | $330 |
| Malden | $1,066 | $89 | $3,803 | $317 |
SEE OUR LIST OF POPULAR MA CAR INSURANCE COST GUIDES
MA State Minimum Liability Coverage
The state has a Consumer Bill of Rights for Automobile Insurance. This bill of rights spells out all your rights when shopping for auto insurance in the state. It says that you cannot be turned down for insurance for discriminatory reasons and that a company has to explain its reasoning if they refuse coverage.
Under the bill of rights, you can buy the minimum auto insurance required in the state. It also says that agents have to offer you the minimum coverage of:
- $20,000 per person, $40,000 per accident bodily injury
- $20,000 per person, $40,000 per accident bodily injury by an uninsured vehicle
- $8,000 personal injury protection per person for each accident
- $5,000 property damage liability for each accident
You are still able to buy supplemental insurance for things like medical payments, but it does pay to shop around.
Massachusetts Auto Rates by County & Vehicle Type
The average cost of car insurance in Massachusetts varies between drivers. Here is the breakdown of the amount you can expect to pay on car insurance costs by county for vehicle type below for a minimum state policy of the average driver:
| Auto Insurance Costs by County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Barnstable | $717 | $501 | $666 | $625 | $582 |
| Berkshire | $717 | $501 | $666 | $604 | $582 |
| Bristol | $809 | $586 | $751 | $714 | $654 |
| Dukes | $717 | $501 | $666 | $625 | $582 |
| Essex | $717 | $501 | $666 | $625 | $582 |
| Franklin | $717 | $501 | $666 | $597 | $582 |
| Hampden | $717 | $501 | $666 | $625 | $582 |
| Hampshire | $717 | $501 | $666 | $625 | $582 |
| Middlesex | $717 | $501 | $666 | $625 | $582 |
| Nantucket | $717 | $501 | $666 | $624 | $582 |
Competition of Massachusetts Auto Insurance System
The state’s managed competition system keeps insurance rates down. Keep in mind that your rates vary based on your driving record, where you live, and other rating factors approved by the Commissioner. This is why it’s important to maintain a good driving record.
In addition, you should shop around for the best policy for your needs. Many companies offer discounts on your car insurance and some of the discounts are required under state law. This includes discounts for passive restraint systems, anti-theft devices, and drivers who are 65 years old and older. Some companies also offer discounts for:
- Members of a group program
- People who take advanced driver training courses
- Multi-vehicle policies
The best thing to do is compare rates and discounts offered by several different companies. This will help you figure out which discounts you may qualify for.
Moving to Massachusetts: Important Information
You will need to convert your out-of-state license as soon as you are a resident if you are moving to Massachusetts. You will need to take your old license to the Registry of Motor Vehicles. You will also need proof of your birth date, that you live in the state, and your Social Security card.
There are several steps you need to do to convert your out-of-state vehicle registration. You will need to go to a licensed state insurance agent and get an auto insurance policy in the state. Then, you need to go to a Registry of Motor Vehicles branch office. Be sure to bring your out-of-state title and registration and fill out an application.
Understanding Driving Laws in Massachusetts
Massachusetts has traffic laws that say you must drive the speed limit and wear a seat belt just like other states. In addition, state law says that infants and children must ride in federally approved child passenger restraints. They have to use them until they are at least 8 years old or 57 inches tall.
It is also against the law to use any mobile electronic device while driving. This means you can’t use a cell phone to write, read, or send messages while driving. In addition, drivers who are under 18 years old can’t use a mobile electronic device for any reason while driving. The only exception is to report an emergency.
FAQ: Massachusetts Auto Insurance
Massachusetts No Credit Scoring: What It Means for Your Rate
Massachusetts is one of only a handful of states — alongside California, Hawaii, and Michigan — that prohibits insurers from using credit scores to set car insurance rates. In the 40-plus states where credit scoring is allowed, a driver with poor credit can pay two to three times more than an identical driver with excellent credit. In Massachusetts, that gap does not exist. Your rate is determined by your driving record, vehicle type, age, and ZIP code — not your financial history. For Massachusetts drivers who have had credit challenges, this is a meaningful consumer protection that keeps insurance accessible regardless of financial circumstances.
Boston and Eastern MA: Why Urban Drivers Pay More
Eastern Massachusetts, particularly the Boston metro area, consistently ranks among the most expensive insurance markets in New England. The combination of extreme traffic density on I-93, Route 128, and the Southeast Expressway, higher theft rates in urban areas, and elevated costs for body shop labor in Greater Boston all push rates significantly above the state average. Boston proper has some of the highest rates in the state, while suburbs like Newton, Brookline, and Cambridge fall in the mid-range. Western Massachusetts — Springfield, Pittsfield, and the Pioneer Valley — is significantly cheaper, often 30 to 50 percent below Boston rates for comparable coverage.
Frequently Asked Questions About Massachusetts Car Insurance
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
