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What Is the Average Cost for Car Insurance in Massachusetts

Whether you’re a first-time driver or a seasoned vet, it’s important to know the average cost for car insurance in Massachusetts. In this article, we’ll explore the ins and outs of car insurance in the Bay State, so that you can have a better idea of what you’re spending each month. We’ll also provide tips on how to save money on your policy and tips on what to do if you get into an accident. So whether you’re a resident or a visitor in Massachusetts, read on to learn more about what goes into car insurance here in the Land of the Free.

What factors will impact the cost of car insurance in Massachusetts?

The cost of car insurance in Massachusetts will vary depending on your driving history and the coverages you choose. Here are some factors that can affect your costs:

Your age. The older you are, the more likely you are to have a history of accidents, which will increase your premiums.

The type of vehicle you drive. Cars with high mileage rates will generally cost more than cars with low mileage rates.

Your credit score. A higher credit score means that you’re less likely to default on your car loans, so insurers tend to charge lower premiums for people with excellent credit ratings.

Your location. Areas near major transportation hubs or with a high population density tend to have higher rates because there is more risk involved in car accidents.

How much will my monthly premium cost?

The average cost for car insurance in Massachusetts is $126 per month. This figure changes depending on the type of coverage you choose, the location of your home, and your driving record.

Are there any discounts available for seniors or individuals with good driving records?

Not all drivers are treated equally when it comes to car insurance rates. In Massachusetts, drivers between the ages of 70 and 74 are typically offered a lower rate than other drivers on our roads. For those who have maintained a clean driving record for at least 5 years, rates can be reduced even further. Drivers with a good driving record can often find insurance rates that are significantly lower than the national average. If you’re considered a high-risk driver, your premium may increase. Regardless of your risk level, always compare quotes from multiple companies before making a decision.


The average cost for car insurance in Massachusetts can vary dramatically based on your driving record, location, and policy type. To get a better idea of what you could expect to pay, use our search tool to find a quote from an independent insurance agency in your area. Once you have found the right policy, stick with it until you have had a chance to review your coverage and make any necessary changes. By doing this, you will be sure that you are getting the best possible deal for yourself and your family.

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