Car insurance in Massachusetts
Drivers in Massachusetts paid $1,413 a year for full coverage in 2023, 2% below the national average. With prices up since, figure on about $1,670 today. In Massachusetts, the law asks for at least 25/50/30 liability.
What people pay in Massachusetts
A typical yearly price today
about $1,670 a year (about $140 a month)
Massachusetts's average full-coverage cost in 2023 was $1,413, according to the National Association of Insurance Commissioners (NAIC). Car insurance prices nationally have risen about 18% since then (government price index, August 2026), so we start from about $1,670.
That makes Massachusetts the 18th most expensive of the 50 states and DC. Nationally, the average was $1,439.
It's an average across every kind of driver and car, not your price. Your car, your driving record, and how much coverage you carry move it up or down.
Massachusetts next to its neighbors
A typical policy in Massachusetts costs more than in New Hampshire and Vermont and less than in Connecticut, New York, and Rhode Island.
| State | Typical price, 2023 | Moving to Massachusetts from there |
|---|---|---|
| Massachusetts | $1,413 | Not a move |
| Connecticut | $1,508 | About $130 less a year |
| New Hampshire | $1,032 | About $520 more a year |
| New York | $1,896 | About $660 less a year |
| Rhode Island | $1,710 | About $410 less a year |
| Vermont | $958 | About $620 more a year |
| National average | $1,439 | Not a move |
The move is the What-if page's starting example: a 40–64-year-old with a clean record and a 2020 Toyota Camry, full coverage, in the suburbs, with nothing else changed. Only the two states' typical prices make the difference, so a real move can come out differently.
The least insurance Massachusetts's law asks for
- Liability (per person / per crash / property)
- $25,000 / $50,000 / $30,000
- Personal injury protection (PIP)
- Required
- Medical payments
- Not required
- No-fault
- Yes
- Uninsured motorist
- Required
- Underinsured motorist
- Not required
Liability pays for injuries and damage you cause to others, up to these limits. A minimum is the least the law allows, not a recommendation, and it doesn't pay to fix your own car.
Massachusetts is a no-fault state: after a crash, your own policy pays for your own injuries first (through personal injury protection), whoever caused it.
Liability-only coverage, the closest NAIC figure to what a minimum policy costs, averaged $710 in Massachusetts in 2023 (about $840 today, brought up the same rough way), the 19th highest of the 50 states and DC. That's about 50% of the full-coverage price; the rest pays to fix or replace 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.
- Checked
- September 22, 2026
A new teen driver in Massachusetts
Adding a 16-year-old to a typical policy
about $1,110 more a year
About $95 a month, on one average car with full coverage. The whole policy with the teen: roughly $2,050–$3,700 a year.
On a policy of their own, with the same kind of car, the same teen would pay about $4,800 a year in Massachusetts (roughly $3,650–$6,850).
What adding a teen costs comes from California's published prices, so the range is wide, and Massachusetts may differ. How adding a teen driver works.
Cars that cost the least to add a teen with
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. At the other end of the same lists, the 2022 Tesla Model 3 costs about $1,660 more a year.
| Car | Added to your policy | On their own policy |
|---|---|---|
| 2022 Subaru Forester | +$990 a year | $4,290 a year |
| 2022 Subaru Outback | +$990 a year | $4,300 a year |
| 2022 Subaru Crosstrek | +$990 a year | $4,320 a year |
| 2022 Honda CR-V | +$1,060 a year | $4,610 a year |
| 2022 Toyota RAV4 | +$1,080 a year | $4,690 a year |
The order is the same in every state, because our car data is national. What changes from state to state is the price level.
Why these cars cost less, and what this doesn't cover.
“Try it with your own car” opens your own situation in Massachusetts (a 2020 Toyota Camry if you haven't set one) with a new 16-year-old. It starts from that car, not an average one, so its figure can differ from the one above.
Where these numbers come from
- Typical prices: National Association of Insurance Commissioners (NAIC), 2022/2023 Auto Insurance Database Report, 2023 data, brought up to today with the government's price index for car insurance.
- The law: Massachusetts's own statute or insurance department, listed above with the date we checked it.
- Teen drivers and cars: the same math as the rest of the site. Here's how we got these, and every source.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.