Massachusetts Car Insurance Quotes & Average Rates

Full coverage car insurance in Massachusetts is estimated at $1,657 a year, or $138 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $644 a year. Massachusetts is a no-fault state, and drivers must carry 20/40/5 liability limits. Below you will find estimated rates for 129 Massachusetts cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Massachusetts

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$138/ month

$1,657 per year · carriers in Massachusetts typically quote $1,176 – $2,286

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Massachusetts

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,259	$105	-24%	Military members and families only
Geico	$1,359	$113	-18%	Usually cheapest for clean records
State Farm	$1,458	$122	-12%	Strong for young and student drivers
Progressive	$1,574	$131	-5%	Competitive after a ticket or accident
Travelers	$1,607	$134	-3%	Good multi-policy discounts
Nationwide	$1,657	$138	0%	Mid-market, wide availability
Allstate	$1,889	$157	+14%	Higher base rate, heavy discount stacking
Farmers	$2,005	$167	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Massachusetts. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Massachusetts car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$4,475	$1,739	$373
18 years old	$3,775	$1,467	$315
20 years old	$3,126	$1,215	$260
22 years old	$2,596	$1,009	$216
25 years old	$1,981	$770	$165
30 years old	$1,708	$664	$142
40 years old	$1,605	$624	$134
50 years old	$1,537	$597	$128
60 years old	$1,520	$591	$127
65 years old	$1,588	$617	$132
70 years old	$1,742	$677	$145
75 years old	$2,032	$790	$169

Estimated premiums by age in Massachusetts, clean record, sedan.

How violations change your Massachusetts premium

Driving record	Est. annual	Increase
Clean record	$1,657	—
1 speeding ticket	$2,038	+23%
1 at-fault accident	$2,435	+47%
DUI / DWI	$3,131	+89%

What a violation costs a 35-year-old in Massachusetts. Surcharges normally stay on the policy for three to five years.

A DUI in Massachusetts usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Massachusetts minimum insurance requirements

Required coverage in Massachusetts	Minimum limit
Bodily injury liability, per person	$20,000
Bodily injury liability, per accident	$40,000
Property damage liability	$5,000
PIP $8,000	Required
Uninsured motorist 20/40	Required
Insurance system	No-fault

Limits are set by statute and change from time to time. Confirm the current figures with the Massachusetts Department of Insurance before you buy.

Coverage levels in Massachusetts

Coverage level	Est. annual	Est. monthly
State minimum liability	$644	$54
Full coverage (100/300/100 + comp & collision)	$1,657	$138
Full coverage, high limits + low deductible	$1,971	$164

Coverage level comparison for Massachusetts.

Car insurance rates in Massachusetts cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 129 Massachusetts cities we price.

Boston$1,969 Worcester$1,833 Springfield$1,833 Lowell$1,698 Cambridge$1,698 New Bedford$1,698 Dorchester$1,698 Brockton$1,698 Fall River$1,698 Quincy$1,698 Lynn$1,698 Newton$1,698 Somerville$1,698 Lawrence$1,698 Framingham$1,698 Framingham Center$1,698 Waltham$1,698 Haverhill$1,698 Malden$1,698 Brookline$1,596 Medford$1,596 Taunton$1,596 Chicopee$1,596 North Chicopee$1,596 Weymouth$1,596 Revere$1,596 Peabody$1,596 Methuen$1,596 South Peabody$1,596 Barnstable$1,596 Everett$1,596 Brighton$1,596 Attleboro$1,596 Pittsfield$1,596 East Boston$1,596 Salem$1,596 Arlington$1,596 Westfield$1,596 Leominster$1,596 Beverly$1,596 Holyoke$1,596 Fitchburg$1,596 Beverly Cove$1,596 Billerica$1,596 Amherst$1,596 Marlborough$1,596 Woburn$1,596 Chelsea$1,596 Braintree$1,596 Mattapan$1,596 Chelmsford$1,596 Shrewsbury$1,596 Natick$1,596 Randolph$1,596 Watertown$1,596 Hyde Park$1,596 Lexington$1,596 Franklin$1,596 West Roxbury$1,596 Ashmont$1,596 Gloucester$1,511 Tewksbury$1,511 Needham$1,511 Dracut$1,511 Allston$1,511 Agawam$1,511 Norwood$1,511 Northampton$1,511 North Andover$1,511 Melrose$1,511 Wellesley$1,511 West Springfield$1,511 Roslindale$1,511 Milton$1,511 Stoughton$1,511 Saugus$1,511 Danvers$1,511 Yarmouth$1,511 Milford$1,511 Wakefield$1,511 Reading$1,511 Belmont$1,511 Dedham$1,511 Burlington$1,511 Chestnut Hill$1,511 Easton$1,511 Mansfield$1,511 Middleborough$1,511 Wilmington$1,511 Ludlow$1,511 Canton$1,511 Westford$1,511 Stoneham$1,511 Winchester$1,511 Acton$1,511 Charlestown$1,511 Gardner$1,511 Marblehead$1,511 Norton$1,511 Greenfield$1,511 Amherst Center$1,511 Southbridge$1,511 Mission Hill$1,511 Amesbury$1,511 Palmer$1,511 Somerset$1,511 Newburyport$1,511 Rockland$1,511 South Hadley$1,511 Winthrop$1,511 Back Bay$1,511 Sudbury$1,511 Holden$1,511 Hanover$1,511 Concord$1,511 North Attleborough Center$1,511 Auburn$1,511 Easthampton$1,511 Grafton$1,511 Swansea$1,511 Fairhaven$1,511 Abington$1,511 Ashland$1,511 Longmeadow$1,511 Orient Heights$1,511 Roxbury Crossing$1,511 East Longmeadow$1,511 Duxbury$1,511 Suffolk Downs Station$1,511

Frequently asked questions

▸How much is car insurance in Massachusetts?

Full coverage in Massachusetts is estimated at $1,657 a year, or $138 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $644 a year.

▸What car insurance is required in Massachusetts?

Massachusetts requires $20,000 bodily injury liability per person, $40,000 per accident and $5,000 property damage, plus pip $8,000, uninsured motorist 20/40.

▸Is Massachusetts a no-fault state?

Yes. Massachusetts is a no-fault state: your own personal injury protection pays your initial medical bills regardless of who caused the crash, and your right to sue the other driver is limited.

▸Which Massachusetts city has the cheapest car insurance?

Of the 129 Massachusetts cities we price, Suffolk Downs Station carries the lowest estimate at $1,511 a year, while Boston is highest at $1,969. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Massachusetts?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.