Popular QuestionsPopular Questions About Massachusetts Car Insurance

How much is Massachusetts car insurance a year? $1,460

Massachusetts car insurance rates are higher than the national average. Independent insurance agents can help you find the best rates on the coverage you need. 

The average cost for car insurance nationwide is $1,311. In Massachusetts, residents pay an average of $1,460 per year. You'll get the best rates if you compare quotes from multiple companies before you choose a policy. 

massachusetts car insurance cost chart
What does Massachusetts car insurance actually do for me?

Driving on the busy roads in Massachusetts can be dangerous, and accidents happen every day. If you find yourself in the middle of a serious collision, your Massachusetts car insurance will step in to cover the cost of repairs and related medical bills. Here's a look at some ways that your auto insurance can help you after an accident...

Massachusetts

  • Fix Your Car - Not required. We officially call this "comprehensive & collision coverage" and though it is not required by the state, it may be required by your lender.
  • Fix Someone Else's Car – Required/Min. $40,000. We officially call this "property damage liability."
  • Pay Your Medical Bills –Required/Min. $5,000. We officially call this "personal injury protection" or "PIP."
  • Pay Someone Else's Med Bills – Required/Min. $20,000. We officially call this "bodily injury liability." 

Massachusetts isn't the only state that requires drivers to have some level of auto insurance coverage. Most states have laws like this designed to protect drivers from a massive financial burden after a serious car accident.

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for covering the cost of damages.

How many MA drivers are uninsured? 3.9%

Sometimes drivers don't have insurance. For one reason or another, they get behind the wheel uninsured, leading to huge problems if they cause an accident. That's why it's smart to invest in uninsured motorist coverage. This plan covers the bill if you get hit by an uninsured driver and need to repair your car or pay for medical bills.

In Massachusetts, drivers are actually required to purchase coverage for uninsured motorists. It's really a smart move, anyway, that protects you in case you get hit by an irresponsible driver. 

Which are the best insurance companies in Massachusetts?

An independent insurance agent compares multiple companies to find the best policy for your needs. 

the main street american group
the hanover insurance group
safeco insurance
mapfre insurance

InformationFind the Best Insurance in Your City

How does your city measure up to the national average?

  • National average car insurance cost - $1311 / year 
  • National average car thefts per 1,000 - 2.37 
  • National average time spent commuting - 25.4 min 


CityCommute timeAuto theft rate per 1,000Insurance Cost (Monthly)Insurance Cost (Yearly)
Cambridge25.21.19$1,524$127
Worcester23.12.16$1,992$166
Springfield21.44.11$1,344$112
Lowell251.81$1,728$144
Boston292.31$1,692$141
Acton310.21$1,212$101
Auburn21.90.97$1,572$131
Bridgewater26.12.39$1,428$119
Burlington280.77$1,368$114
Belmont23.40.2$1,476$123
New Bedford25.82.9$1,356$113
Brockton302.74$1,284$107
Quincy36.70.66$1,980$165
Lynn28.82.53$1,776$148
Fall River24.92.68$1,860$155
Plymouth24.40.32$1,464$122
Peabody260.86$1,716$143
Pittsfield180.74$2,076$173
Attleboro30.31.02$1,692$141
Arlington30.30.4$1,308$109
Salem27.41.21$1,668$139
Westfield21.50.62$1,512$126
Methuen27.41.27$1,500$125
Fitchburg26.11.56$2,004$167
Beverly26.10.41$1,368$114
Amherst180.28$1,392$116
Braintree28.41.25$1,356$113
Chicopee191.81$2,052$171
Framingham27.10.76$1,404$117
Medford31.60.84$1,380$115
Needham28.50.03$1,272$106
Newton26.20.2$1,308$109
Hyannis23.70.45$1,776$148
Waltham24.70.69$1,464$122
Taunton29.91.59$1,752$146
North Andover28.80.23$1,248$104
Danvers26.70.72$1,356$113
Norwell34.30.27$1,272$106
Woburn24.90.51$1,416$118
Norwood31.10.93$1,392$116
Brookline282.31$2,064$172
Barnstable23.70.45$1,776$148
Gloucester25.20.54$1,332$111
Chelsea31.43.18$1,812$151
Dartmouth24.40.89$1,632$136
Weymouth30.60.68$1,404$117
Dorchester302.31$1,908$159
Mansfield33.30.68$1,416$118
Billerica26.60.16$1,296$108

West Springfield. MA Car Insurance 

Residents of West Springfield pay an average of $133 per month for their auto insurance coverage. Your personalized premium might be significantly higher or slightly lower than the average, depending on the kind of car you drive, whether you've recently been involved in an accident, and a number of other factors.

The more time you spend behind the wheel, the higher the chances are that you will be in a car accident. West Springfield residents typically have lower commute times, which means better rates on car insurance.

Auto theft is a problem in West Springfield, with a rate that is slightly higher than the national average. With higher risk for theft, you may see a slight increase in your car insurance rates. Your policy must include “other than collision” insurance in order for you to be compensated for losses caused by theft and vandalism.

Stoughton, MA Car Insurance

Residents of Stoughton pay an average of $184 per month for their auto insurance coverage. Every driver's car insurance premium is unique and can vary significantly from one person to the next. Your personal rate is based on factors such as your age, your gender, the kind of car you drive and your deductible amount. 

Commute times can impact your rates because they influence just how much time you're spending on the road on a given day. Drivers with longer commute times face a higher risk for accidents, meaning their rates may slightly increase.

If you live in a city with a higher crime rate, you're at an increased risk for vehicle theft. The good news is that Stoughton has a low auto theft rate, and this could lead to some savings on adding comprehensive coverage to your auto insurance policy.

Haverhill, MA Car Insurance 

The average monthly cost of auto insurance in Haverville is $148. Of course, rates can vary significantly from one person to the next. Car insurance rates are calculated according to several factors. Your driving record, your age and even your gender can impact how much you pay for insurance. 

Haverhill drivers face longer commute times than the national average, meaning you could be at higher risk for auto accidents. Longer commutes typically mean a slight increase in your insurance rates. 

If you live in a city with an elevated crime rate, you face a higher risk that your car might be stolen or vandalized. In Haverhill, auto theft rates trend well below national averages, which could help reduce car insurance rates.

Malden, MA Car Insurance 

Residents of Malden pay an average of $209 per month for their auto insurance coverage. Based on such factors as your vehicle, your age, and your driving history, your actual calculated premium could be considerably higher or lower than the average.

Commute times will impact your rates because you're at a higher risk for accidents if you spend longer periods of time behind the wheel. Malden drivers tend to face long commutes, which could increase car insurance premiums for many residents.

If you live in a dangerous area, you could see a spike in your insurance rates. Auto theft rates in Malden are lower than the national average, which could help to keep the cost of adding comprehensive coverage affordable.

Wakefield, MA Car Insurance

The average monthly cost ofcar insurance in Wakefield is $162. Your customized rate will be based on several factors. Your age, your gender, the make and model of your car, and your personal driving record will all play a part in determining how much you pay for auto insurance in Wakefield. 

To put it simply, if you spend a lot of time behind the wheel, you're more likely to get into an accident. Drivers in Wakefield spend slightly more time driving to and from work than the average American, and this could cause rates to be a bit higher. 

Cities with higher crime rates put vehicle owners at an increased threat for auto theft. The good news is that Wakefield has a very low auto theft rate, meaning you might see some savings on your auto insurance. 

Leominster, MA Car Insurance

Residents of Leominster pay an average of $143 per month for their auto insurance coverage. Every driver's premium is different, depending on several factors such as the driver's age, gender and driving record. Your actual cost for auto insurance in Leominster could be significantly higher or lower than the city’s average. 

Long commutes mean a higher risk for car accidents. That's why commute times can influence how much you pay for car insurance. Leominster drivers have an average commute of 25 minutes, which is right in line with the national average.

Vehicle owners who live in high crime areas will see increased rates on their auto insurance. But the good news is Leominster has a pretty low rate of car theft. This means you may enjoy some savings on adding comprehensive coverage to your auto insurance policy.

Milton, MA Car Insurance

The average monthly cost of auto insurance in Milton is $205. Your actual premium could be considerably higher or lower, depending on the type of car you drive, your age and gender, your driving record, and the amount of coverage you are purchasing. Compare quotes to get the best rate.

Drivers with longer commutes tend to pay more for car insurance. That's because the more time you spend on the road, the higher your chance will be for car accidents. Milton’s residents have a longer than average drive times to and from work, so this may cause rates to be a bit higher for most of this city’s commuters.

Drivers who live in areas with high crime rates tend to pay more for car insurance. In Milton, auto theft is actually pretty rare, which could lower your insurance rates.

Revere, MA Car Insurance

The average monthly cost of auto insurance in Revere is $246. Your actual rate could be significantly higher or lower, depending on several factors. Rates are calculated according to such things as the make and model of your car, your age, your gender and your driving history.

Revere drivers have longer commutes than the average American. This means that this city’s commuters face a higher risk of being involved in accidents. This longer drive time could cause a slight increase in car insurance premiums for many local residents.

Areas with high crime rates have increased risks for auto theft and vandalism. In Revere, auto theft is less common than in many cities across the country, but it still happens at a fairly high rate. You will need to be sure to include comprehensive coverage in your auto insurance policy if you wish to be compensated for losses caused by property crimes. 

Hanover, MA Car Insurance

Residents of Hanover pay an average of $165 per month for their auto insurance coverage.
Every Hanover policy quote is personalized according to a variety of factors. Rates are calculated according to such things as the ages and driving records of all licensed drivers in the household; the age, make and model of the vehicle (or vehicles) being insured; and the amount of coverage purchased. Your actual premium could therefore be significantly higher or lower than the city average.

Hanover drivers are used to long commutes, but more time behind the wheel brings a higher risk of accidents. This could cause insurance rates to be slightly higher in Hanover than in many places across the United States. 

Hanover has a very low auto theft rate, which is good news on several levels. Not only will you worry less about your car being stolen, but you could also see a decrease in your insurance rates.

Holyoke, MA Car Insurance

The average monthly cost of auto insurance in Holyoke is $166. Your rate could be higher or lower than the average. It all depends on factors such as your age, your gender, your driving record, and the type of car you drive.

Holyoke drivers enjoy shorter commutes than the average American, which could ultimately result in lower insurance rates. Long commute times cause an increase in risks for accidents, leading to higher rates on auto insurance. 

If you live in a dangerous area, you'll face a higher risk for auto theft and vandalism. Auto theft rates in Holyoke are just slightly higher than the national average, which could cause a minor increase in your car insurance rate. Comprehensive coverage must be included in your auto policy for you to qualify for compensation for losses caused by property crimes.