Car Insurance Cost in Massachusetts (2026)
Car insurance in Massachusetts costs $1,644 a year for full coverage on average ($137 a month), 27% less than the U.S. average of $2,244. Minimum (liability-only) coverage averages $1,236 a year.
Massachusetts vs the national average
The average Massachusetts driver pays $1,644 a year for full coverage, which is 27% less than the national average of $2,244. Over five years that adds up to about $8,220 at today's rates (our calculation), so it pays to shop around at every renewal.
| State | Full coverage / yr | Minimum / yr | Rank |
|---|---|---|---|
| New Mexico | $1,596 | $780 | 13 |
| Nebraska | $1,608 | $828 | 14 |
| Massachusetts | $1,644 | $1,236 | 15 |
| Maine | $1,668 | $888 | 16 |
| Montana | $1,668 | $744 | 17 |
| U.S. average | $2,244 | $1,188 | - |
Source: Insurify, Average Car Insurance Rates as of October 2026, published Oct 8, 2026. Insurify publishes monthly averages (data through September 2026). Annual figures here are the published monthly figure times 12. Minimum is Insurify's liability-only average. Washington, D.C. is listed as District of Columbia. Monthly and five-year figures are our calculation. Your own quote depends on your age, record, car and ZIP code.
How to pay less in Massachusetts
Get at least three quotes for the same coverage, raise your deductible if you have the savings to cover it, ask about bundling and safe-driver discounts, and check whether you still need collision coverage on an older car. Our car insurance cost guide explains each step, and the car loan calculator shows the payment side of the budget.
Common questions
How much is car insurance in Massachusetts?
Full coverage averages $1,644 a year ($137 a month) in Massachusetts, and minimum coverage $1,236 a year, per Insurify data published Oct 8, 2026.
Is car insurance expensive in Massachusetts?
Massachusetts ranks 15 of 51 (1 = cheapest), making it cheaper than most states. Full coverage there costs 27% less than the national average.