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Car insurance in Massachusetts costs about $182 a month for full coverage in 2026, or $2,178 a year, for a 40-year-old driver with a clean record, according to InsuranceQuotes, using rates insurers filed with state regulators and compiled by Quadrant Information Services as of August 31, 2026. Massachusetts is a no-fault state with four compulsory coverages, and the minimum limits rose on July 1, 2025, so older quotes and older articles understate what a legal policy costs today. This guide compares the datasets, names the cheapest carriers, explains the compulsory coverages and the 2025 change, and shows what drivers pay by city.
Massachusetts is unusual in two ways that matter for pricing. The state bans credit-based insurance scoring, so a weak credit score cannot raise your premium the way it can in most states. It also bans gender-based pricing, so the same table applies to all drivers regardless of gender. Those two rules flatten some of the price differences you see elsewhere, and they make carrier choice and city the biggest remaining levers. The other quirk is that rates in Massachusetts have been falling. Insurify reports that car insurance costs in the state fell 4.8 percent during the first half of 2026, with a further 3.6 percent decrease projected for the rest of the year.
How much is car insurance in Massachusetts in 2026?
Full coverage in Massachusetts averages about $182 a month, or $2,178 a year, for a 40-year-old driver with a clean record and 100/300/100 liability limits with $500 deductibles, per InsuranceQuotes and Quadrant. Insurify’s November 7, 2026 data puts the average lower, at $138 a month or $1,656 a year for full coverage, with liability coverage at $102 a month or $1,225 a year. Luva’s Quadrant-based figures sit between the two at $174 a month for full coverage and $68 a month for state minimum coverage.
| Source and method | Full coverage | Minimum or liability only |
|---|---|---|
| InsuranceQuotes / Quadrant, Aug 31 2026 | $182 a month, $2,178 a year | Not published separately |
| Insurify, November 7 2026 | $138 a month, $1,656 a year | $102 a month, $1,225 a year |
| Luva / Quadrant, 2026 | $174 a month, $2,090 a year | $68 a month, $818 a year |
| Insure.com / Quadrant, 2026 | $202 a month, $2,429 a year | $66 a month, $789 a year |
| Experian, September 2026 | $328 a month, $3,935 a year | Blended average $305 a month, $3,657 a year |
| MoneyGeek, 2026 | $99 a month, $1,193 a year | $44 a month |
The spread from $99 to $328 a month is wider than it looks, because the studies price different things. MoneyGeek’s $99 uses a lower-limit full coverage profile, and its own data shows a 40-year-old with a clean record paying $108 a month on that profile. Experian’s $328 reflects actual policies sold through its marketplace, including drivers with accidents, tickets, and high-risk profiles, which pulls the average well above the clean-driver figures. InsuranceQuotes, Insurify, and Luva all price clean drivers, and they cluster between $138 and $182 a month. For a clean adult driver, $138 to $182 a month is the honest range, with the lower end reflecting Insurify’s real-time quote data and the upper end reflecting filed rates.
What does Massachusetts require you to carry?
Massachusetts is a no-fault state that requires four compulsory coverages, and the minimums rose for policies issued or renewed on or after July 1, 2025. The new minimums are $25,000 per person and $50,000 per accident for bodily injury, $30,000 per accident for property damage, and $8,000 in personal injury protection, or PIP. Your own PIP coverage pays your initial medical bills after a crash, regardless of who caused it, which is the core of the no-fault system. The fourth compulsory coverage is uninsured motorist protection.
The July 2025 change matters because the old minimums, 20/40/5, still appear in older articles and older quotes. A policy written before July 2025 at the old limits should have moved to the new minimums at its first renewal after that date. If you are comparing a quote that prices 20/40/5 against one that prices 25/50/30, the older quote will look cheaper for a coverage level you can no longer buy. Always check the limits on the quote as well as the price.
How much does car insurance cost by city in Massachusetts?
City is the biggest price lever in Massachusetts after carrier choice. MoneyGeek’s 2026 data puts Brockton at the top, with full coverage averaging $162 a month, against $110 a month in Cambridge. That is a $52 monthly gap, or $624 a year, for the same coverage in two cities about 30 miles apart. Springfield averages $174 a month for full coverage in Insurify’s city data, with liability-only at $138. Boston sits near the higher end of the range, while smaller cities and suburbs run lower.
| City | Full coverage per month | Source |
|---|---|---|
| Brockton | $162 | MoneyGeek, 2026 |
| Springfield | $174 | Insurify, November 2026 |
| Cambridge | $110 | MoneyGeek, 2026 |
| Statewide average | $138 to $182 | Insurify to InsuranceQuotes range |
The city gap comes from claim frequency and severity. Brockton has higher theft and collision claim rates than Cambridge, and carriers price that in by ZIP code. Your own driving record and the car you drive matter too. MoneyGeek puts full coverage for a Ford F-150 at $168 a month in Massachusetts, against $263 for a Tesla Model Y, a $95 monthly gap driven by repair costs. The car matters almost as much as the city.
Which companies are cheapest in Massachusetts?
Plymouth Rock has the lowest full coverage average among insurers anyone can buy from in InsuranceQuotes’ statewide table, at about $145 a month. Progressive follows at $160 and GEICO at $161, while Safety Insurance averages $210 and Arbella $231. Insurify names State Farm the cheapest for full coverage at $70 a month, and the cheapest for liability at $49 a month, though its figures reflect real-time quotes that can run below filed-rate averages. The two datasets agree on the shape of the market: a handful of carriers cluster near the bottom, and the spread from cheapest to most expensive is wide.
| Company | Full coverage per month | Source |
|---|---|---|
| State Farm | $70 | Insurify, real-time quotes |
| Plymouth Rock | $145 | InsuranceQuotes / Quadrant, lowest open-market average |
| Progressive | $160 | InsuranceQuotes / Quadrant |
| GEICO | $161 | InsuranceQuotes / Quadrant |
| Safety Insurance | $210 | InsuranceQuotes / Quadrant |
| Arbella | $231 | InsuranceQuotes / Quadrant |
The worked example shows the stakes. A clean driver paying the InsuranceQuotes average of $182 a month, or $2,178 a year, would pay $1,740 a year with Plymouth Rock at $145 a month, a $438 saving. A driver paying Arbella’s $231 a month, or $2,772 a year, would save $1,032 a year by moving to Plymouth Rock. Those are filed-rate averages for the same driver profile, so the gap is real. USAA is cheaper still in some datasets, but it is limited to military members, veterans, and their families.
Why Massachusetts bans credit scoring and gender pricing
Massachusetts is one of the few states that bans credit-based insurance scoring outright, and it also bans gender as a rating factor. The practical effect is that two drivers with the same age, car, city, and driving record pay the same base rate regardless of credit history or gender. In most other states, a poor credit score can raise a premium by 50 percent or more, and young men pay more than young women. In Massachusetts, neither factor applies.
That does not mean your premium is fixed. Carriers still rate on age, driving record, city, vehicle, annual mileage, and coverage choices. A speeding ticket or an at-fault accident still raises your rate, and the Safe Driver Insurance Plan, the state’s merit rating system, adds surcharges for at-fault accidents and traffic violations. The ban removes two of the most controversial rating factors, and it makes the remaining factors, especially city and carrier, carry more of the weight.
How to lower your Massachusetts car insurance premium
Start with three quotes, since the carrier gap is worth $400 to $1,000 a year on the numbers above. Then look at the discounts Massachusetts carriers actually offer. Bundling home and auto is the biggest single discount, typically 10 to 20 percent. A good driver discount applies after several clean years, and the Safe Driver Insurance Plan rewards a clean record with lower rates. Paying the premium in full rather than monthly avoids installment fees. Telematics programs can cut 10 to 30 percent for safe drivers, though they track braking and late-night driving.
Check your deductibles before cutting coverage. In Massachusetts, collision and comprehensive deductibles default to $500 unless you choose otherwise. Raising the collision deductible to $1,000 usually saves 10 to 15 percent. Dropping collision and comprehensive entirely makes sense only on an older car whose value is low enough that a total loss payout would be small. Keep the compulsory coverages at or above the July 2025 minimums, and keep uninsured motorist protection, since Massachusetts requires it and uninsured drivers are a real risk.
Frequently asked questions
How much is car insurance in Massachusetts per month?
About $182 a month for full coverage, or $2,178 a year, for a 40-year-old driver with a clean record, per InsuranceQuotes and Quadrant. Insurify puts the average at $138 a month based on real-time quotes. Minimum coverage runs $44 to $102 a month depending on the dataset.
What is the minimum car insurance required in Massachusetts?
Four compulsory coverages, with minimums that rose July 1, 2025: $25,000 bodily injury per person, $50,000 per accident, $30,000 property damage, and $8,000 in personal injury protection, plus uninsured motorist coverage. The old 20/40/5 minimums no longer apply to new or renewed policies.
Who has the cheapest car insurance in Massachusetts?
Plymouth Rock, at $145 a month for full coverage in InsuranceQuotes’ statewide table, the lowest average among insurers anyone can buy from. State Farm is cheapest in Insurify’s real-time quote data at $70 a month. Progressive and GEICO follow at $160 and $161 a month in the InsuranceQuotes data.
Is Massachusetts a no-fault state?
Yes. Your own personal injury protection pays your initial medical bills after a crash, regardless of who caused it. Every Massachusetts policy must include $8,000 in PIP coverage, along with the other three compulsory coverages.
Does Massachusetts use credit scores for car insurance?
No. Massachusetts bans credit-based insurance scoring, so your credit history cannot raise or lower your premium. The state also bans gender-based pricing, so the same rates apply to all drivers with the same age, car, city, and driving record.
How much is car insurance in Brockton vs Cambridge?
Brockton averages $162 a month for full coverage, while Cambridge averages $110, according to MoneyGeek. The $52 monthly gap costs $624 a year, driven by higher claim frequency in Brockton. Springfield averages $174 a month in Insurify’s city data.
InsuranceQuotes publishes the Massachusetts rates used above in its Massachusetts car insurance quotes and rates for 2026 guide, based on rates insurers filed with state regulators and compiled by Quadrant Information Services as of August 31, 2026. For comparison with other no-fault states, see our guides to how much car insurance costs in New York and how much car insurance costs in Illinois. If you are shopping on price alone, start with the cheapest car insurance companies in 2026 and the cheapest states for car insurance in 2026.
