Updated April 2026 | Rank #13 of 51
Car Insurance Cost Per Month in Massachusetts 2026
Full coverage avg
$163/mo
Minimum coverage avg
$49/mo
State minimum reqs
20/40/5
No-fault / PIPCredit scoring banned
Credit scoring banned. No-fault state. Despite high population density, strict regulation and competitive market keep rates moderate. Adjust age and vehicle below to see your estimated monthly cost.
Massachusetts
in Massachusetts with a Sedan
$163/month
Full coverage estimate (100/300/100 + collision + comp). -$45 below national avg
State Min$93/mo20/40/5
Standard$121/mo50/100/50
Full Coverage$163/mo100/300/100
Source: NerdWallet 2026, ValuePenguin 2026, Bankrate 2026
How we calculate thisAverage Monthly Cost by Age in Massachusetts 2026
| Age | Min Coverage | Full Coverage (Sedan) | Details |
|---|---|---|---|
| 16 | $317 | $554 | Age 16page → |
| 17 | $289 | $505 | Age 17page → |
| 18 | $251 | $440 | Age 18page → |
| 19 | $214 | $375 | Age 19page → |
| 25 | $93 | $163 | Age 25page → |
| 35 | $79 | $139 | Age 35page → |
| 45 | $81 | $142 | Age 45page → |
| 65 | $88 | $155 | Age 65page → |
Average Monthly Cost by Vehicle Type in Massachusetts
Top 3 Carriers in Massachusetts by Market Share (NAIC Q1 2026)
1
Safety Insurance
By direct written premium
2
Progressive
By direct written premium
3
GEICO
By direct written premium
Market share data is from NAIC Q1 2026 public filings. Market share does not equal cheapest rate for your profile.
Nearby States by Cost Rank
Massachusetts Car Insurance FAQs
What is the average car insurance cost per month in Massachusetts?⌄
The average car insurance cost in Massachusetts is $163 per month for full coverage (100/300/100 plus collision and comprehensive) as of 2026, per cross-referenced data from NerdWallet, Bankrate, and ValuePenguin. Minimum-coverage-only policies average $49 per month. Massachusetts ranks #13 of 51 jurisdictions by cost (1 = cheapest, 51 = most expensive).
What is the minimum car insurance required in Massachusetts?⌄
Massachusetts requires minimum liability coverage of 20/40/5. Massachusetts is a no-fault state requiring Personal Injury Protection (PIP) in addition to liability.
Who has the cheapest car insurance in Massachusetts?⌄
The top three carriers by market share in Massachusetts are Safety Insurance, Progressive, GEICO, per NAIC Q1 2026 market filings. Market share does not equal cheapest price -- the best rate for your specific profile (age, vehicle, driving record, credit score in states where legal) requires comparing quotes. We recommend comparing at least 3 carriers. carinsurancecomparisontool.com offers a side-by-side carrier comparison.
Does Massachusetts have no-fault insurance?⌄
Yes. Massachusetts is a no-fault state, requiring drivers to carry Personal Injury Protection (PIP) coverage. Under no-fault, each driver's own insurance pays their own medical bills after an accident, regardless of fault. Massachusetts's minimum PIP requirement is part of the 20/40/5 minimum package.
Why is car insurance so cheap in Massachusetts?⌄
Credit scoring banned. No-fault state. Despite high population density, strict regulation and competitive market keep rates moderate.
Is my credit score used for car insurance in Massachusetts?⌄
No. Massachusetts explicitly bans the use of credit-based insurance scores in car insurance underwriting. Carriers in Massachusetts must price based on driving record, age, vehicle, and other non-credit factors.