What affects your rate in Massachusetts
Massachusetts prohibits credit-based insurance scores in auto rating (MGL Ch.175 §4E) — rates cannot be based, in whole or part, on credit information.
How Massachusetts compares
| Benchmark | Per year |
|---|---|
| Massachusetts | $1,413 |
| National average | $1,438 |
| Most expensive — Florida | $1,994 |
| Cheapest — Maine | $926 |
Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).
About this estimate. The base figure is the NAIC combined average premium for Massachusetts (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).