How much is car insurance in Massachusetts?
Car insurance in Massachusetts cost an average of $1,413 a year for full coverage in 2023 (NAIC), sitting 2% below the $1,439 national average and coming to about $1,670 a year in Massachusetts today (about $140 a month in August 2026 dollars). In Massachusetts, the law asks for at least 25/50/30 liability, while Massachusetts liability-only policies—the closest NAIC figure to minimum coverage—averaged $710 in 2023 (about $840 today).
Average car insurance cost in Massachusetts: $1,413 in 2023, about $1,670 today
Typical Massachusetts full-coverage price today
about $1,670 a year in Massachusetts (about $140 a month)
Massachusetts's 2023 NAIC full-coverage average ($1,413) adjusted +18% to August 2026 using the US motor-vehicle insurance price index; your Massachusetts rate depends on your car, driving history, and coverage limits.
That $1,413 2023 full-coverage figure makes Massachusetts the 18th most expensive of the 50 states and DC (against $1,439 nationally), with 50% going to liability ($710, 19th highest in the US) and 50% covering physical damage to your own vehicle. Across all insured vehicles in Massachusetts (including policies without collision or comprehensive), NAIC's 2023 average expenditure was $1,326 (17th highest in the US, about $1,570 today)—only 6% ($87) below Massachusetts's $1,413 full-coverage benchmark.
How Massachusetts compares with Connecticut, New Hampshire, New York, and 2 more bordering states
A typical policy in Massachusetts ($1,413 in 2023) costs more than in New Hampshire and Vermont and less than in Connecticut, New York, and Rhode Island. Among Massachusetts's neighbors, Vermont had the lowest 2023 average ($958, moving to Massachusetts is about $610 more a year) and New York had the highest ($1,896, moving to Massachusetts is about $650 less a year).
| State | 2023 average | Moving to Massachusetts from there |
|---|---|---|
| Massachusetts | $1,413 | Current state (Massachusetts) |
| Connecticut | $1,508 | About $130 less a year |
| New Hampshire | $1,032 | About $510 more a year |
| New York | $1,896 | About $650 less a year |
| Rhode Island | $1,710 | About $400 less a year |
| Vermont | $958 | About $610 more a year |
| US average | $1,439 | US benchmark |
States with similar 2023 full-coverage averages: California ($1,418 in 2023, about $1,680 today), Mississippi ($1,395 in 2023, about $1,650 today), Oklahoma ($1,324 in 2023, about $1,570 today), and Missouri ($1,323 in 2023, about $1,570 today).
Massachusetts: 25/50/30 minimums since 2025 and no-fault PIP rules
- Massachusetts liability (per person / per crash / property)
- $25,000 / $50,000 / $30,000
- Personal injury protection (PIP) in Massachusetts
- Required
- Medical payments in Massachusetts
- Not required
- No-fault system in Massachusetts
- Yes
- Uninsured motorist in Massachusetts
- Required
- Underinsured motorist in Massachusetts
- Not required
Set by Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition), Massachusetts's 25/50/30 minimum pays up to $25,000 per person and $50,000 per crash for injuries you cause to others, plus $30,000 for others' property—the legal floor in Massachusetts, not a coverage recommendation, and it excludes collision or comprehensive repairs on your own car.
Massachusetts is a no-fault state: after a crash, your own Massachusetts policy pays for your medical bills first through personal injury protection (PIP), regardless of who caused the crash.
Liability-only coverage in Massachusetts—the closest NAIC figure to what a Massachusetts minimum policy costs—averaged $710 in 2023 (about $840 in Massachusetts today), the 19th highest of the 50 states and DC. That makes liability 50% of Massachusetts's full-coverage average ($1,413), while the remaining 50% goes toward collision and comprehensive coverage for your own car.
For policies issued or renewed since July 1, 2025, Massachusetts requires at least $25,000 per person and $50,000 per crash for injuries, plus $30,000 for property damage. Every policy also includes $8,000 of personal injury protection and uninsured motorist coverage. Massachusetts is a no-fault state, so your own PIP pays first after a crash.
What we couldn’t confirm: The $25,000/$50,000 minimum for uninsured motorist coverage comes from reading the law's cross-reference together with the 2024 increase. mass.gov blocked our tools, so we couldn't quote the insurance division's bulletin; a search result from mass.gov listed the same amount. As far as we found, medical payments coverage is optional.
- Personal injury protection
- $8,000 per person.
- Uninsured and underinsured motorist
- Uninsured motorist coverage for injuries is required at the same amounts as injury liability, which we read as 25/50 for policies from 1 July 2025. Underinsured coverage is optional, and your insurer must tell you it's available.
- History and recent checks
- St. 2024, c. 275 raised the minimums from 20/40 bodily injury and $5,000 property damage to $25,000/$50,000 bodily injury and $30,000 property damage. The increase applies to policies issued or renewed on or after July 1, 2025. PIP stays at $8,000.
- Checked
- September 22, 2026
- Sources
- Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition)
not less than $25,000 on account of injury to or death of any one person ... not less than $50,000 on account of any one accident ... at least eight thousand dollars
- Mass. G.L. c.90 §34O
shall also maintain in force either property damage liability insurance ... subject to a limit of not less than $30,000
- St. 2024, c. 275, §§1-4
Sections 1 to 3, inclusive, shall apply to motor vehicle liability policies issued or renewed on or after July 1, 2025.
- Mass. G.L. c.90 §34J
Whoever operates ... a motor vehicle ... during such time as the motor vehicle liability policy or bond or deposit required ... has not been provided
- Mass. G.L. c.175 §113L
No policy shall be issued ... unless such policy provides coverage in amounts or limits prescribed for bodily injury ... uninsured motor vehicles ... if the policyholder ... elects to purchase
- Mass. G.L. c.231 §6D
may recover damages for pain and suffering ... only if the reasonable and necessary expenses ... are in excess of two thousand dollars
- Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition)
Adding a 16-year-old driver in Massachusetts: about $1,110 more a year
Adding a 16-year-old to a Massachusetts policy
about $1,110 more a year
About $95 a month (+66% over a typical Massachusetts adult policy of $1,670), bringing the combined Massachusetts family policy to roughly $2,050–$3,700 a year.
On a separate Massachusetts policy of their own with the same car, a 16-year-old in Massachusetts would pay about $4,800 a year (roughly $3,650–$6,850), so sharing a parent's Massachusetts policy saves about $3,700 a year.
Our teen-driver multipliers come from California's published age-rating filings scaled to Massachusetts's baseline. How adding a teen driver works.
Cheapest cars to add a teen with in Massachusetts
In Massachusetts, the 2022 Subaru Forester, Outback, and Crosstrek come out the same, the least of the 33 cars on the site's popular lists to add a teen with: about $990 more a year on a Massachusetts policy, versus about $1,660 more a year for the 2022 Tesla Model 3 at the top of Massachusetts's list.
| 2022 model | Added to a Massachusetts policy | Own Massachusetts policy |
|---|---|---|
| 2022 Subaru Forester | +$990 in Massachusetts | $4,290 in Massachusetts |
| 2022 Subaru Outback | +$990 in Massachusetts | $4,300 in Massachusetts |
| 2022 Subaru Crosstrek | +$990 in Massachusetts | $4,320 in Massachusetts |
| 2022 Honda CR-V | +$1,060 in Massachusetts | $4,610 in Massachusetts |
| 2022 Toyota RAV4 | +$1,080 in Massachusetts | $4,690 in Massachusetts |
The order is the same in every state, because our car data is national. What changes from state to state is the price level. See all 33 teen cars and how we rank them.
What popular cars cost to insure in Massachusetts
In Massachusetts, a 45-year-old with full coverage pays from about $1,750 a year for a 2024 Toyota bZ4X to about $2,070 for a 2024 Kia Niro on these Massachusetts sample models.
| Car | 45-year-old in Massachusetts | Adding a teen in Massachusetts |
|---|---|---|
| 2024 Toyota RAV4 Prime | about $1,760 a year | +$1,160 a year |
| 2024 Nissan Leaf | about $1,850 a year | +$1,220 a year |
| 2024 Hyundai Ioniq 6 | about $1,920 a year | +$1,270 a year |
| 2024 Kia EV6 | about $2,000 a year | +$1,320 a year |
| 2024 Kia Niro | about $2,070 a year | +$1,360 a year |
| 2024 Ford Mustang Mach-E | about $1,870 a year | +$1,230 a year |
| 2024 Volkswagen ID.4 | about $1,880 a year | +$1,240 a year |
| 2024 Toyota bZ4X | about $1,750 a year | +$1,160 a year |
See all 121 popular cars, SUVs, pickups, and EVs.
Common questions about car insurance in Massachusetts
- How much is car insurance in Massachusetts?
- In Massachusetts, full-coverage car insurance averaged $1,413 a year in 2023 (the 18th most expensive of the 50 states and DC per NAIC), or about $1,670 a year ($140 a month) in Massachusetts as of August 2026. Massachusetts liability-only coverage averaged $710 in 2023 (50% of Massachusetts's full-coverage figure, or about $840 today), and Massachusetts drivers spent $1,326 per insured car across all policies.
- What are the minimum car insurance limits in Massachusetts?
- Under Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition), Massachusetts requires 25/50/30 liability: $25,000 per person and $50,000 per crash for bodily injury, plus $30,000 for property damage. St. 2024, c. 275 raised the minimums from 20/40 bodily injury and $5,000 property damage to $25,000/$50,000 bodily injury and $30,000 property damage. The increase applies to policies issued or renewed on or after July 1, 2025. PIP stays at $8,000.
- How much does adding a 16-year-old teen driver cost in Massachusetts?
- Adding a 16-year-old to a parent's full-coverage policy in Massachusetts adds about $1,110 more a year ($95 a month), bringing the Massachusetts household policy to roughly $2,050–$3,700 a year versus about $4,800 a year (roughly $3,650–$6,850) on a standalone Massachusetts teen policy.
- Is Massachusetts a no-fault car insurance state?
- Yes—Massachusetts uses no-fault auto insurance rules, so your own Massachusetts personal injury protection (PIP) pays your medical bills first after a crash regardless of fault. $8,000 per person.
- How does Massachusetts's car insurance cost compare with Connecticut?
- Massachusetts averaged $1,413 for full coverage in 2023 (NAIC) against $1,508 in Connecticut (6% less than Connecticut), and moving a sample policy from Connecticut to Massachusetts today is about $130 less a year. Other bordering states averaged $1,032 in New Hampshire, $1,896 in New York, $1,710 in Rhode Island, and $958 in Vermont in 2023.
Sources for Massachusetts
- Massachusetts average premiums ($1,413 full coverage, $710 liability-only, $1,326 average expenditure): National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report (2023 data, trended to today with the BLS CPI motor-vehicle insurance series).
- Massachusetts minimum coverage statutes (Mass. G.L. c.90 §34A ('Motor vehicle liability policy' definition); Mass. G.L. c.90 §34O; St. 2024, c. 275, §§1-4; Mass. G.L. c.90 §34J; Mass. G.L. c.175 §113L; Mass. G.L. c.231 §6D), checked September 22, 2026. Page updated for Massachusetts. See methodology and all sources.
This is an estimate to help you plan, not a quote. We don't sell insurance, and nothing you type is sent to us. Only an insurer can give you a real price.