Auto Insurance in Massachusetts — Average Cost 2026
Average auto insurance in Massachusetts: $1,960/year ($163/month). Massachusetts ranks #39 out of 51 states — above the national average.
Average annual
$1,960
Average monthly
$163
National rank
#39
of 51 states
vs national avg
+10.1%
Massachusetts vs national average
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Auto insurance in Massachusetts
Massachusetts sits 10% above the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Massachusetts tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Massachusetts drivers hundreds of dollars annually.