🚗 Car insurance cost in Massachusetts (2026)
The estimated average is $1,935 per year — below the national average (-10% vs. the U.S. average of $2,150).
Massachusetts is home to about 7.0 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Boston typically differ from smaller towns.
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Massachusetts car insurance estimator
Starts from the Massachusetts average. Estimate only — get quotes to confirm.
Car insurance cost in Massachusetts cities
| City | Population | Est. car insurance |
|---|---|---|
| Boston | 650,706 | $2,090 |
| Worcester | 205,918 | $1,935 |
| Springfield | 155,929 | $1,935 |
| Cambridge | 117,090 | $1,935 |
| Lowell | 115,554 | $1,935 |
Massachusetts car insurance FAQ
How much is car insurance in Massachusetts?
The estimated average car insurance in Massachusetts is $1,935 per year, which is below the national average (-10% vs. the U.S. average of $2,150). Massachusetts ranks 33 of 51 states from most to least expensive.
Why is car insurance cheaper in Massachusetts?
Car insurance pricing in Massachusetts reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the Northeast.
How can I save on car insurance in Massachusetts?
Compare at least three quotes from insurers active in Massachusetts, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.