Massachusetts car insurance calculator: Get estimates by ZIP code and model (2024)

When it comes to estimating the cost of car insurance in Massachusetts, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.

CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Massachusetts at three different coverage levels – full coverage, liability only and the state minimum. See your average insurance rates in the calculator below.

YOUR ESTIMATED CAR INSURANCE PLANS

for ZIP , , Car , Age

Sorry we don't have the insurance rate for the ZIP code. Here is the insurance rate for your nearby ZIP .

BEST PRICE

State Minimum

---*/MO.

Bodily Injury

$25k/$50K

Property Damage

$15k

Collision

Massachusetts car insurance calculator: Get estimates by ZIP code and model (6)

Comprehensive

Massachusetts car insurance calculator: Get estimates by ZIP code and model (7)

BEST PRICE

Standard Liability

---*/MO.

Bodily Injury

$50k/$100K

Property Damage

$50k

Collision

Massachusetts car insurance calculator: Get estimates by ZIP code and model (8)

Comprehensive

Massachusetts car insurance calculator: Get estimates by ZIP code and model (9)

RECOMMENDED

BEST PROTECTION

79 percent of insured drivers preferred

Full Coverage

---*/MO.

* In the table above for State Minimum Protection, we are showing only BI and PD for minimum requirements but that the rate shown in State Minimum Protection includes all coverage your state requires. You can find more details about your state here at Minimum Requirements by States. "State minimum" and "Standard Liability" policies are typically minimum or low-limit policies, providing bare-bones coverage. While these policies have lower rates, we recommend higher limits to ensure sufficient coverage should an accident or vehicle damage occur. "Full Coverage" policies will provide better coverage for you and your vehicle, as they have higher liability limits, plus include coverage for your vehicle through collision and comprehensive insurance. These policies offer the most financial protection should you have to file a claim.

Key Highlights

  • Car insurance calculators are a valuable tool in estimating the cost of car insurance in Massachusetts.
  • The average annual cost of a full coverage policy in Massachusetts with liability limits of 100/300/100 is $1,528 or $127 per month.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (12)

Written by:

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Read Full Bio >>

Massachusetts car insurance calculator: Get estimates by ZIP code and model (13)

Reviewed by:

Leslie Kasperowicz

Massachusetts car insurance calculator: Get estimates by ZIP code and model (14)

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Read Full Bio >>

Table of Contents

Table of Contents

  • Car insurance calculator Massachusetts: How to get auto insurance estimates
  • What factors affect car insurance estimates in Massachusetts
  • Calculate new car insurance rates in Massachusetts by car model
  • Massachusetts car insurance estimates for used cars
  • FAQ: How to estimate car insurance rates before buying a car in Massachusetts
  • Guide to car insurance (with rates) in cities of Massachusetts

Car insurance calculator Massachusetts: How to get auto insurance estimates

When it comes to shopping for a policy, CarInsurance.com editors recommend that you get quotes from three different companies around renewal time – every six months – or annually. Get estimates for car insurance by using an online quoting tool.

Why? Because insurance companies have proprietary rating systems, each insurer rates factors like age or driving record differently. So, if you get a ticket, one company might penalize you 5% while another company could penalize you to the tune of 20%.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (16) You might also be interested in

  • Non-owner car insurance in Massachusetts: Find affordable rates
  • Liability insurance for Massachusetts drivers
  • Minimum car insurance requirements in Massachusetts
  • How much is car insurance for a 25-year-old in Massachusetts?
  • Cheap car insurance for seniors in Massachusetts
  • What’s the cheapest car insurance in Massachusetts?
  • How much does car insurance cost in Massachusetts?

What factors affect car insurance estimates in Massachusetts

The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.

On the contrary, no-fault insurance laws, adopted in several U.S. states, simplifies this process by mandating each party’s insurance company to cover their own client’s bodily injury losses, regardless of who caused the accident.

Calculate new car insurance rates in Massachusetts by car model

Any time you’re shopping for a new vehicle, make sure to get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier when it comes to car insurance.

Vehicle TypeAverage Annual Rates
Convertible$2,802
Electric$2,849
Hatchback$1,804
Hybrid$2,162
Luxury Car$3,069
Luxury SUV$2,589
Minivan$1,883
Performance SUV$3,091
Sedan$1,963
Sports Car$3,296
Station Wagon$2,417
SUV$1,847
Truck$2,049
Van$1,739

“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says Jim Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”

Use the car insurance calculator below to estimate your rates in Massachusetts by make and model for 2023

L O A D I N G

Insurance Rates by Car Model

Massachusetts car insurance estimates for used cars

Purchasing car insurance for a used vehicle may be more cost-effective than for a new one due to its lower market value. However, it’s crucial to thoroughly understand the coverage specifics and ensure it aligns with your needs, taking factors such as the car’s age, model and mileage into consideration. Similar to buying a new car, the vehicle’s value matters more when it comes to insurance than the model year.

Use the car insurance calculator below to estimate your rates in Massachusetts for used cars by make and model.

L O A D I N G

Average INSURANCE RATES for your USED CAR

FAQ: How to estimate car insurance rates before buying a car in Massachusetts

How much auto insurance do I need in Massachusetts?

The amount of car insurance you need depends on various factors, including your financial situation, the value of your vehicle and your risk tolerance. If your car is leased or financed, your lender may require comprehensive and collision – when paired with liability, this is known as full coverage.

Each state has different minimum insurance requirements, including Massachusetts. But keep in mind that minimums are merely that – and are rarely enough financial protection in the event of a serious car accident.

RequirementsCoverage Limit
Minimum bodily injury liability$20,000/$40,000
Minimum property damage liability$5,000
Personal injury protection$8,000
Uninsured/underinsured motorist bodily injury$20,000/$40,000

How much does car insurance cost in Massachusetts per month?

Massachusetts car insurance estimate for full coverage comprises collision, comprehensive and liability with 100/300/100 is $127 per month. For the state minimum liability, it’s $44, and $54 for a liability policy with limits of 50/100/50.

Does your age impact how much you pay for insurance in Massachusetts?

Young drivers often pay more for car insurance in Massachusetts due to their lack of driving experience and statistically higher risk of getting into accidents. Insurance companies use this data to calculate risk, and this factor is built into the premiums that young drivers pay.

Additionally, young drivers are more likely to engage in risky behaviors such as speeding and distracted driving, further increasing the cost of their car insurance.

Resources & Methodology

Methodology

CarInsurance.com editors in 2023 collected rates from Quadrant Information Services for a 40-year-old male driving a 2021 Honda Accord LX with a good insurance score and 12-mile commute. We analyzed 56,838,240 quotes, 34,523 ZIP codes and 136 insurance companies nationwide.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (17)

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (18)

Ask the Insurance Expert

John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (19)

Ask the Insurance Expert

Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (20)

Ask the Insurance Expert

Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

Thank You, Your message has been received. Our team of auto insurance experts typically answers questions within five working days. Note that due to the volume of questions we receive, not all may be answered. Due to technical error, please try again later.

Guide to car insurance (with rates) in cities of Massachusetts

Andover$1,384/year

Beverly$1,482/year

Boston$1,458/year

Chelsea$2,566/year

Fitchburg$1,552/year

Leominster$1,441/year

Lowell$1,338/year

Newburyport$1,261/year

Springfield$2,093/year

Worcester$1,600/year

Get quotes near you!

Massachusetts car insurance calculator: Get estimates by ZIP code and model (21)

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

As an expert in the field of car insurance, I can confidently provide insights into the various concepts discussed in the provided article. My depth of knowledge stems from a comprehensive understanding of the factors influencing car insurance rates, state-specific insurance laws, and the intricacies of coverage types. To demonstrate my expertise, I'll elaborate on the key concepts mentioned in the article:

  1. Car Insurance Rate Calculation: The article mentions the use of CarInsurance.com's car insurance rate calculator, which considers personal details such as age, driving record, ZIP code, and the type of vehicle. This aligns with industry standards as insurance companies use proprietary rating systems, leading to variations in rates based on these factors.

  2. Coverage Levels: The three coverage levels discussed are full coverage, liability only, and the state minimum. Full coverage includes liability, collision, and comprehensive insurance, providing comprehensive financial protection. Liability only covers bodily injury and property damage, while state minimum represents the minimum coverage required by the state.

  3. Recommended Coverage: The article recommends higher coverage limits, stating that 79 percent of insured drivers prefer full coverage. This aligns with the industry advice that higher limits offer better protection in the event of accidents or vehicle damage.

  4. State Laws Impacting Rates: The article touches upon the significant impact of state laws on insurance estimates. It explains the difference between tort insurance law (where fault is determined, leading to litigation) and no-fault insurance laws (simplifying the process by having each party's insurance cover their client's losses).

  5. Car Model and Insurance Rates: The article advises obtaining insurance quotes when shopping for a new vehicle. It provides average annual rates for various car models, emphasizing that factors like engine size and safety features can influence insurance costs.

  6. Used Car Insurance Rates: The article suggests that insurance for used cars may be more cost-effective due to their lower market value. It emphasizes the importance of understanding coverage specifics based on factors like the car's age, model, and mileage.

  7. Minimum Insurance Requirements in Massachusetts: The article outlines the minimum insurance requirements in Massachusetts, including bodily injury liability, property damage liability, personal injury protection, and uninsured/underinsured motorist bodily injury.

  8. Impact of Age on Insurance Rates: The article acknowledges that age, particularly for young drivers, influences insurance rates due to factors like lack of experience and higher risk of accidents. This aligns with industry practices where younger drivers often face higher premiums.

  9. City-Specific Insurance Rates: The article provides estimated annual insurance rates for different cities in Massachusetts, illustrating how location can impact insurance costs.

In conclusion, the provided article covers a comprehensive range of topics related to car insurance in Massachusetts, including rate calculation, coverage types, state laws, and factors influencing insurance premiums. This information is valuable for individuals seeking to understand and estimate their car insurance costs in the state.

Massachusetts car insurance calculator: Get estimates by ZIP code and model (2024)
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