Average car insurance cost in Massachusetts (2026)
Drivers in Massachusetts pay an average of $138 a month for full coverage and $102 a month for liability only.
Full coverage / month
$138
Liability only / month
$102
Full coverage / year
$1,656
Liability only / year
$1,224
Cost rank
#37 of 51
1 = most expensive. Liability-only rank: #17.
Averages are a starting point. Estimate your cost in Massachusetts
How Massachusetts compares
The full-coverage average of $138 is 21% below the average across states ($174), and the liability-only average of $102 is 4% above the average across states ($98). Massachusetts is mid-table: 36 of the 51 places in our table have a higher full-coverage average. That is $163 a month below Maryland, the highest, and $53 above New Hampshire, the lowest.
Full coverage vs liability only in Massachusetts
Full coverage costs $36 more per month than liability only in Massachusetts, or $432 more per year. That gap is narrower than the $77 average gap across states. Whether the extra cost makes sense depends on your car's value and any loan or lease terms. See our guide to choosing between full coverage and liability only.
States with similar prices
The five places closest to Massachusetts by full-coverage average:
| State | Full / month | Liability / month | Difference |
|---|---|---|---|
| Maine | $139 | $74 | +$1 |
| Vermont | $139 | $58 | +$1 |
| Nebraska | $135 | $70 | -$3 |
| Montana | $141 | $62 | +$3 |
| Alabama | $142 | $66 | +$4 |
How a profile could change the estimate
These figures apply our illustrative multipliers to the Massachusetts averages. They show direction and rough scale only, and they are not any insurer's prices. For background, read what affects car insurance rates.
| Example profile | Full | Liability |
|---|---|---|
| Age 35-54, clean record, good credit, sedan, mid mileage (the baseline) | $138 | $102 |
| Same driver, age 20-24 | $200 | $148 |
| Same driver, one ticket | $168 | $124 |
| Same driver, one at-fault accident | $196 | $145 |
| Same driver, sports car | $179 | $133 |
Frequently asked questions
How much does car insurance cost in Massachusetts?
The average in Massachusetts is $138 a month ($1,656 a year) for full coverage and $102 a month ($1,224 a year) for liability only, based on Insurify figures for November 2026. Your own price may be higher or lower.
Is car insurance in Massachusetts expensive compared with other states?
Massachusetts ranks 37th highest of the 50 states and D.C. for full coverage. Its full-coverage average is 21% below the average across states of $174 a month.
How much more does full coverage cost than liability only in Massachusetts?
On average, full coverage costs $36 more per month in Massachusetts, or $432 more per year. That is 35% more than the liability-only average.
How much could an at-fault accident change an estimate in Massachusetts?
With our illustrative 1.42 factor, a baseline full-coverage estimate in Massachusetts rises from $138 to about $196 a month, or about $58 more. This is a simplified estimate, not an insurer's price.
Source: Insurify state averages, November 2026. Figures are monthly averages and individual prices vary. "Average across states" is the simple mean of the 51 figures in our table. See our methodology.