2025 Average Car Insurance Rates in Massachusetts Cities
In Massachusetts, the average annual cost of car insurance is $483 for minimum coverage and $1,832 for full coverage.
Car insurance rates have increased nationwide, and Massachusetts drivers are feeling the impact. On average, motorists in the state pay $1,832 annually for full coverage and $483 for minimum coverage. Despite these rising costs, Massachusetts drivers still pay less than the national averages, which are $2,638 for full coverage and $767 for minimum coverage each year.
The cost of car insurance in Massachusetts varies significantly depending on the city. Cities like Brockton, Revere, and Chelsea have some of the highest average annual premiums, exceeding $2,800.
On the other hand, cities like New Marlborough, New Salem, Rowe, and Bernardston offer more affordable options with average premiums below $1,400.
Several factors contribute to these variations. Larger cities with higher population density, increased traffic, and higher risk of accidents generally have higher premiums. Coastal cities may also face increased risks due to potential hurricanes and storms.
It’s important to note that these are averages, and individual factors like age, driving history, and the type of vehicle significantly impact the actual premium.
