Average Car Insurance Costs in Massachusetts (2022) | https://insurecar.info

The average price of car policy in Massachusetts is $ 1,112 per year, which is the cost for a 40-year-old driver who has maintained a clean drive phonograph record and has wide coverage. Should the driver choose for the minimum car indemnity coverage in Massachusetts, it would cost an average of $ 547. flush so, prices can greatly differ depending on your specific profile. For exemplify, if you ’ re a 16-year-old buy full coverage, you ’ d yield an average cost of $ 3,134 annually. MoneyGeek broke down the average car costs in Massachusetts using all important factors to help you understand how rates change.

Average Cost of Car Insurance in Massachusetts : Summary

MoneyGeek ’ south reputation on the average cable car indemnity cost in Massachusetts is based on many factors that greatly affect the prices. Among factors such as long time, coverage floor, driving read and credit score, age has the most significant effect on your record. The second most significant factor is speeding tickets. Click to find out more about average costs for a given driver profile .

Average Costs of Car Insurance in Massachusetts

Why Are Car Insurance Rates Cheap in Massachusetts?

Massachusetts ranks 21st out of all states for car indemnity rates, putting it on the more low-cost end of the scale with average rates more than $ 300 lower than the countrywide average. MoneyGeek ’ randomness discipline found that Massachusetts is an low-cost state for car indemnity rates due to its first gear percentage of uninsured motorists and its low rate of fomite thefts and natural disasters.

Average Cost of Car Insurance in Massachusetts : Full Coverage vs. Minimum Coverage

As defined in MoneyGeek ’ s methodology, the cost of a policy meeting the submit minimums for car insurance in Massachusetts costs an average of $ 547, while wax coverage averages $ 1,112 per year. The difference in the average costs between both coverages is $ 565 per year. The type of coverage you buy greatly affects the average costs of cable car insurance in Massachusetts. The more coverage you buy, the higher the rate you ’ ll pay up. There are assorted types of insurance coverage including indebtedness policy and comprehensive examination and collision indemnity. Comprehensive coverage is costly as it covers things out of your dominance such as displace, larceny and larceny. Full coverage besides covers your own injuries and property price costs, not just those of third parties .

Average Cost of Car Insurance in Massachusetts by Coverage Level

Minimum vs. Full Coverage Car Insurance Costs in Massachusetts – By Company

There are versatile factors that policy companies in Massachusetts use to determine how much you ’ ll pay for your car indemnity. At an average of $ 730 per year, Safety Group has the cheapest broad coverage indemnity plan in Massachusetts, while State Farm is the bum for minimum coverage, averaging $ 323. consequently, the company you choose will have a significant impact on your policy rates. By line, the company with the most expensive average minimal coverage and entire coverage is Travelers. This company charges an average of $ 1,183 for state of matter minimum coverage and $ 2,356 for full coverage .

Average Annual Costs of Car Insurance in Massachusetts – By Company

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How Much Is Car Insurance in Massachusetts by Age

Your senesce importantly affects the modal monetary value of cable car policy in Massachusetts. The average cost deviation between a 16-year-old and a 40-year-old buying the same wax coverage policy is $ 2,022 per year. silent, a young driver in Massachusetts can save money by joining their parents ’ policy preferably than buying their own. If you ‘re a first-time driver in Massachusetts, you may pay similar rates to teenagers when buying your inaugural car policy policy ascribable to your similar lack of experience .

Average Costs of Full Coverage Car Insurance in Massachusetts – By Age

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  • old age annual agio
  • 16

    $3,134

  • 17

    $3,028

  • 18

    $2,918

  • 19

    $2,912

  • 20

    $2,647

  • 21

    $2,241

  • 22

    $1,516

  • 23

    $1,389

  • 24

    $1,334

  • 25

    $1,247

  • 30

    $1,191

  • 40

    $1,112

  • 50

    $1,141

How Does Driving History Affect Car Insurance Costs in Massachusetts ?

A bad driver in Massachusetts will pay more for indemnity than one with a clean record. If you ’ ve racked up several child road violations or speeding tickets, your policy company may see you as expensive to insure, therefore charging you a higher premium. The worse the rape, the more likely you are to pay higher rates. however, you can even find relatively cheap insurance plans even if you hold a bad drive record. MoneyGeek ’ second data shows there ’ s an median cost dispute of $ 272 per year between a safe driver and one with a speed tag .

Average Costs of Full Coverage Car Insurance in Massachusetts – By Driving History

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  • Driving misdemeanor annual premium
  • Safe Driver

    $1,112

  • Speeding Ticket

    $1,384

  • At-Fault Accident

    $1,788

  • DUI

    $1,986

Credit Scores and the Cost of Car Insurance in Massachusetts

In most states, insurers can set their rates based on drivers ’ credit scores. however, Massachusetts submit law has banned indemnity companies from using drivers ’ accredit scores when calculating indemnity rates. For this reason, your credit score won ’ metric ton affect your car indemnity rates vitamin a long as you live in Massachusetts.

How Much Is Car Insurance in Your City?

car indemnity rates differ importantly between cities, even within the lapp state. Cambridge has the cheapest median car policy rate in Massachusetts at $ 962, which is 13.5 % lower than the state average of $ 1,112. On the other hand, Springfield has the highest average rate of $ 1,274, 14.6 % higher than the statewide pace. densely populate cities and those with higher risks of road accidents or natural disasters tend to have higher cable car insurance rates .

Average Costs of Full Coverage Car Insurance in Massachusetts – By City

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  • City annual bounty
  • Boston

    $1,112

  • Springfield

    $1,274

  • Worcester

    $1,133

Frequently Asked Questions About Massachusetts Car Insurance Rates

Below are answers to some frequently asked questions to help you learn more about car indemnity rates in Massachusetts .

The average cost of cable car indemnity in Massachusetts is $ 1,112 per year. The rates are based on a sample driver profile in multiple locations and companies .

car insurance rates in Massachusetts are cheaper than average due to the country ’ s low rates of uninsured motorists, vehicle thefts and natural disasters. To determine the sum you should expect to pay for your car policy in Massachusetts, compare quotes from respective different companies.

Methodology

MoneyGeek collected car indemnity quotes in collaboration with Quadrant Information Services across Massachusetts. The rates were based on a 40-year-old driver with full coverage and a clean drive record unless altered by factors covered above, including coverage levels, age and drive violations, as described on our methodology page .

  • Highway traffic density was calculated with 2019 data from the Federal Highway Administration
  • Data on uninsured motorists drawn from 2019 data from the Insurance Research Council
  • Urban share of population was calculated using the latest data from the U.S. Census Bureau
  • Data on motor vehicle theft rate was drawn from the FBI Crime in the United States Report for 2019

About the writer

expert-profileexpert-profile Mark Fitzpatrick is a senior capacity coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the policy grocery store and creating original inquiry and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

sources
  • Insurance Information Institute. “Background on No-Fault Auto Insurance.” Accessed September 14, 2021 .
  • Mass.gov. “Basics of Auto Insurance.” Accessed September 15, 2021 .

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