Massachusetts Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Massachusetts car insurance averages about $182 a month ($2,178 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 22% below the national average in our data. It’s higher than in New Hampshire and Vermont but lower than in Connecticut, New York and Rhode Island. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our statewide table, at about $145 a month.

Where you live matters. Suffolk County, which takes in Boston, Chelsea, Revere and Winthrop, is the most expensive of the 14 counties, at about $254 a month for full coverage, and Boston’s Roxbury and Dorchester neighborhoods average $343 and $322. Cape Cod and Nantucket cost the least: Orleans averages about $133, Eastham $134, and Brewster and Nantucket $135 each, the four lowest of the 285 places we price. Use these averages as a benchmark for where you live, then compare Massachusetts car insurance quotes for your own car and address.

_{Cost data comes from the auto rates insurers file with state regulators, priced across 339 Massachusetts ZIP codes, compiled by Quadrant Information Services and updated as new rates are filed.}

Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.

How Much Is Car Insurance in Massachusetts? Average Cost per Month

Car insurance in Massachusetts (MA) costs about $182 a month ($2,178 a year) on average for full coverage, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Liability-only coverage at 20/40/5 limits, below the current 25/50/30 minimum, averages about $69 a month ($831 a year).

Full coverage in Massachusetts averages $2,178 a year, or about $182 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $831 a year ($69 a month), and 50/100/50 liability with comprehensive and collision averages $2,135 ($178 a month).

• Full coverage (100/300/100, $500 deductibles): $2,178 a year ($182 a month)
• 50/100/50 with $500 deductibles: $2,135 a year ($178 a month)
• Liability only (20/40/5): $831 a year ($69 a month)
• Boston: $2,494 a year ($208 a month) for full coverage
• Worcester: $2,558 a year ($213 a month) for full coverage
• Springfield: $2,965 a year ($247 a month) for full coverage
• Lowell: $2,437 a year ($203 a month) for full coverage
• National average: $2,806 a year ($234 a month) for full coverage

How Massachusetts Compares With Neighboring States

Massachusetts’ average is about $41 a month below Connecticut’s, $38 above New Hampshire’s, $106 below New York’s, $66 below Rhode Island’s and $53 above Vermont’s. It’s the 15th-lowest of the 50 states and Washington, D.C., in our data.

Cheapest Car Insurance in Massachusetts: Best Rates by Company

• Lowest average open to all drivers, full coverage: Plymouth Rock, at about $145 a month ($1,740 a year).
• Next lowest among insurers we rank: Progressive and GEICO, effectively tied at $160 and $161, then Safety Insurance at $210.
• Lowest liability-only average (20/40/5): Plymouth Rock, at about $55 a month, then GEICO at $58.
• Also on our list: USAA at about $128 a month, Norfolk & Dedham at $210, Amica at $219, Travelers at $249 and Allstate at $273 (USAA sells only to military families).
• Most expensive among insurers we rank: Arbella, at about $231 a month for full coverage, $1,032 a year more than Plymouth Rock.

Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our statewide table. USAA, which sells only to military members, veterans and their families, has a lower average still ($128 a month), but we don’t rank it. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $55 a month, with GEICO close behind at $58.

These are statewide averages for our benchmark driver. See how we calculated these rates.

See What You’d Pay in Massachusetts

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Rates change by city and ZIP code across Massachusetts. Enter yours to compare quotes.

How Massachusetts’ Major Car Insurers Compare

Here’s where each insurer in our rate data lands for our benchmark driver, and how its price has moved since November 2025.

Are Car Insurance Rates Going Up in Massachusetts?

Slightly, for our benchmark driver. Comparing the same insurers in the same Massachusetts ZIP codes, full coverage averaged $2,156 a year in rates as of Nov. 30, 2025, and $2,178 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.1%, led by Plymouth Rock, which raised its liability-only average 7.3%.

Because insurers change their rates on their own schedules, the cheapest company for you can change from one renewal to the next.

What to Know About Massachusetts Car Insurance Costs

Massachusetts’ full-coverage average is the 15th-lowest of the 50 states and Washington, D.C., in our data. Three things stand out in our numbers and in state law.

• Boston neighborhoods cost the most. Roxbury averages about $343 a month for full coverage, the highest of the 285 places we price, followed by Roxbury Crossing ($324), Dorchester ($322) and Dorchester Center and Mattapan ($306 each), all in Boston. The eight central ZIP codes that use a Boston mailing address, rather than a neighborhood name, average $208, and Brockton, at $296, is the most expensive place we price outside Suffolk County.
• Cape Cod, the islands and the Berkshires cost less. Nantucket County averages about $135 a month, Berkshire County $141 and Dukes County, home to Martha’s Vineyard, $145, the three least expensive of the 14 counties. On the Cape, Orleans, Eastham and Brewster average $133 to $135, and Williamstown, in the Berkshires, averages $136.
• Insurers set their own prices. Since 2008, Massachusetts insurers have used their own rates, each approved first by the Division of Insurance. For the same driver and car, Plymouth Rock averages about $145 a month statewide and Arbella $231, a gap of $1,032 a year.

Massachusetts Car Insurance Rates by City and Town

Among places with at least two ZIP codes in our data, Boston’s Dorchester neighborhood is the most expensive, at $322 a month for full coverage, followed by Brockton at $296 and Lynn at $265. Lexington is the least expensive of these 21 places, at about $154. Outside Boston, Brockton ($296) and Revere and Chelsea ($283 each) cost the most of the places we price. Across all 285 places we price, averages run from about $343 in Boston’s Roxbury neighborhood to $133 in Orleans, on Cape Cod. We list places by mailing address, so Boston neighborhoods such as Dorchester and Roxbury (marked “Boston” in the table) and Cape Cod villages such as Hyannis have their own rows.

The table lists all 285 Massachusetts places in our data, using each place’s own ZIP codes, from most to least expensive. Search it for your city, town or neighborhood.

Massachusetts City Car Insurance Guides

Each city guide has local prices, how the insurers compare there and, for cities where prices vary by ZIP code, a ZIP code table.

Massachusetts Car Insurance Rates by County

Suffolk County is the most expensive county in our data, at about $254 a month for full coverage, followed by Hampden County ($204) and Bristol County ($191). The least expensive are Nantucket County ($135), Berkshire County ($141) and Dukes County ($145). We price all 14 of Massachusetts’ counties.

How Much More Does Better Coverage Cost in Massachusetts?

Raising liability limits from 50/100/50 to 100/300/100 adds only about $43 a year on average statewide in our data, with the same $500 deductibles. Across the five insurers, the change runs from $20 less a year (Progressive) to $102 more (GEICO). The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver. Liability-only coverage is far cheaper, but it has no comprehensive or collision, so it won’t pay to fix or replace your own car.

Massachusetts Car Insurance Rules at a Glance

What Car Insurance Is Required in Massachusetts?

Massachusetts requires insurance on every vehicle. Every policy issued or renewed on or after July 1, 2025, must include these four compulsory coverages, under Chapter 275 of the Acts of 2024 and Division of Insurance notice 2025-A:

• Bodily injury to others: $25,000 per person and $50,000 per accident.
• Personal injury protection (PIP): up to $8,000 per person.
• Bodily injury caused by an uninsured auto: $25,000 per person and $50,000 per accident.
• Damage to someone else’s property: $30,000 per accident.

The minimum property damage coverage in Massachusetts is $30,000 per accident, under M.G.L. c. 90, § 34O. Before July 1, 2025, it was $5,000, and the bodily injury minimum was 20/40; PIP stayed at $8,000 when the law changed.

A Massachusetts auto policy has two parts: the four compulsory coverages above, and optional coverages you can add, such as collision, comprehensive, underinsured motorist coverage, medical payments and higher bodily injury limits, according to the Division of Insurance.

PIP pays medical expenses, up to 75% of lost wages and replacement services, up to $8,000 per person, whoever caused the crash, under M.G.L. c. 90, § 34A. If you have health insurance, PIP pays the first $2,000 and your health plan is primary after that, according to the Division of Insurance. Uninsured motorist coverage comes with every policy and can’t be dropped, under M.G.L. c. 175, § 113L; underinsured motorist coverage, which pays when the at-fault driver has too little insurance, is optional.

Massachusetts is a no-fault state for injuries. You can sue another driver for pain and suffering only if your medical expenses are more than $2,000 or the injury causes death, a fracture, permanent and serious disfigurement, the loss of a body member, or the loss of sight or hearing, under M.G.L. c. 231, § 6D. You can recover damages as long as you’re no more at fault than the driver you sue, reduced by your share of the blame, under M.G.L. c. 231, § 85. PIP covers injuries only; damage to cars is paid by the at-fault driver’s property damage liability coverage.

To register a car, your insurer certifies your coverage with a stamp on the Registry of Motor Vehicles’ Registration and Title Application, and new residents must register their vehicles as soon as they move to Massachusetts, with no grace period, according to the RMV.

Driving uninsured can bring a fine of up to $5,000, up to a year in jail, or both, and a 60-day license suspension, or one year for a repeat within six years, under M.G.L. c. 90, § 34J. Reinstating a registration revoked after an insurance cancellation costs $50, according to the RMV fee schedule.

How Massachusetts Car Insurance Is Different

Massachusetts limits what insurers can use to price your policy. They can’t use your credit information, gender, marital status, occupation, income, education or homeownership, and they can use age only to give drivers 65 or older a discount, under M.G.L. c. 175, § 4E, § 113B and the Division of Insurance consumer bill of rights. Driving incidents more than six years old can’t affect your premium.

Your driving record counts through the Safe Driver Insurance Plan (SDIP). Each surchargeable incident in the past six years adds points, under 211 CMR 134.00 and the Division of Insurance:

• Minor traffic violation: two points.
• Minor at-fault accident (claim payments over $1,000, up to $5,000): three points.
• Major at-fault accident (claim payments over $5,000): four points.
• Major traffic violation: five points.

An at-fault accident counts only when claim payments top $1,000 and you were more than 50% responsible, according to the Division of Insurance, and a first minor violation handled as a non-criminal matter carries no points under the regulation. Six years without an incident earns the largest credit. See our traffic laws guide for more.

Drivers who can’t find a company willing to insure them, often called high-risk drivers, can get coverage through the Massachusetts Automobile Insurance Plan (MAIP), which assigns each driver to an insurer that will provide coverage for up to three years, according to the consumer bill of rights.

How to Lower Your Car Insurance Rate in Massachusetts

1. Quote several insurers. Among the insurers we rank in Massachusetts, the lowest and highest averages are about $86 a month apart for the same driver and car.
2. Compare Plymouth Rock, Progressive and GEICO first. Plymouth Rock has the lowest full-coverage average statewide among insurers open to all drivers, about $145 a month, and Progressive and GEICO are effectively tied for next, at about $160 and $161 a month.
3. Keep your record clean. Under the Safe Driver Insurance Plan, tickets and at-fault accidents from the past six years add surcharge points, from two for a minor violation to five for a major one, according to the Division of Insurance. Six years without an incident earns the largest credit.
4. Consider underinsured motorist coverage. Uninsured motorist coverage comes with every Massachusetts policy, but coverage for a driver who has too little insurance is optional. Our full-coverage prices include uninsured and underinsured motorist coverage at 100/300.
5. Know how PIP works with your health plan. If you have health insurance, PIP pays the first $2,000 of your medical claims and your health plan is primary after that, according to the Division of Insurance, so check what your plan covers after a crash.
6. Switch when you find a better price. You can change insurers whenever you want, not just at renewal, according to the Division of Insurance.
7. Know where to get help. If you have a problem with an insurer, the Division of Insurance’s Consumer Services Unit takes complaints at 617-521-7794, and you can also file one online.
8. Compare at every renewal. Since November 2025, Plymouth Rock has raised its average 2.8% and Safety Insurance 2.6%, so the order in our table can shift.
9. Insure your car and home together. A multi-policy discount is a common way to save, so compare Massachusetts home insurance rates too.

Compare Massachusetts Car Insurance Quotes

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How We Calculated Massachusetts Car Insurance Rates

Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.

• Sample: 1,695 full-coverage premiums from five insurers across 339 Massachusetts ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use. Massachusetts insurers can’t use credit information to price a policy.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 20/40/5 limits, with 20/40 uninsured motorist coverage and no comprehensive or collision. Massachusetts’ minimum has been 25/50/30 for policies issued or renewed since July 1, 2025, so our liability-only prices use lower limits than the law requires: 20/40 bodily injury and uninsured motorist coverage and $5,000 in property damage liability, compared with 25/50 and $30,000. Every Massachusetts policy must also include personal injury protection of up to $8,000 per person; the requirements section of this page explains what it pays.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: priced from published 2026 Massachusetts rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.

More Massachusetts Car Insurance Breakdowns

The table in this section comes from an additional InsuranceQuotes rate analysis. It uses its own driver profile and mix of insurers, so its prices differ from the averages above. Use it to compare vehicle types with each other.

Massachusetts Car Insurance Rates by County and Vehicle Type

Massachusetts Car Insurance FAQ