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).
Frequently asked questions
How much does car insurance cost in Massachusetts?
The average driver in Massachusetts pays about $1,413 per year — roughly $118 a month — for full-coverage car insurance, according to the NAIC 2023 Auto Insurance Database Report. State-minimum coverage typically costs much less.
Is car insurance more expensive in Massachusetts than the U.S. average?
No. At $1,413 per year, Massachusetts is about 2% below the national average of $1,438. That ranks it 18th out of 51 states and D.C. by cost.
Why is car insurance cheaper 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.
Does Massachusetts use your credit score to set car insurance rates?
No. Massachusetts is one of only four states (California, Hawaii, Massachusetts, Michigan) that ban credit-based insurance scoring, so your credit history cannot legally affect your premium here.
How can I lower my car insurance in Massachusetts?
Compare quotes from several insurers, raise your deductible, bundle auto with home or renters, and keep a clean driving record. For the same driver, premiums in Massachusetts can differ by hundreds of dollars between companies, so shopping around is the biggest lever.
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). See our full methodology.