Cheap Insurance Massachusetts
Average Car Insurance Premiums by State
We recently reviewed how Massachusetts compares nationally for auto insurance rates. Below is a breakdown of average annual premiums by state.
| Rank | State | Average Premium |
|---|---|---|
| 1 | Michigan | $2,476 |
| 2 | Montana | $1,886 |
| 3 | Washington, D.C. | $1,799 |
| 4 | Louisiana | $1,774 |
| 5 | Florida | $1,742 |
| 6 | West Virginia | $1,716 |
| 7 | Connecticut | $1,690 |
| 8 | Rhode Island | $1,656 |
| 9 | California | $1,643 |
| 10 | New Jersey | $1,595 |
| 11 | Maryland | $1,590 |
| 12 | Mississippi | $1,584 |
| 13 | Delaware | $1,542 |
| 14 | Georgia | $1,519 |
| 15 | Oklahoma | $1,496 |
| 16 | Massachusetts | $1,460 |
| National Average: $1,311 | ||
| 23 | Pennsylvania | $1,304 |
| 24 | Tennessee | $1,263 |
| 25 | Nevada | $1,248 |
| 26 | Colorado | $1,245 |
| 27 | Arkansas | $1,239 |
| … | … | … |
| 51 | Maine | $805 |
The study compared rates from six major carriers across 10 ZIP codes in each state,
using the same full-coverage profile for a 40-year-old driver with a clean record and good credit.
Vehicles Used in the Study
The analysis included the 20 best-selling U.S. vehicles, rated at their lowest-cost trim levels:
- Ford F-150
- Chevrolet Silverado 1500
- Dodge Ram 1500
- Toyota Camry
- Honda Accord
- Toyota Corolla
- Honda CR-V
- Honda Civic
- Toyota RAV4
- Ford Explorer
- And others…
Massachusetts Ranks 16th
The average Massachusetts driver pays $1,460 per year — which is $149 above the national average of $1,311.
If you’re paying more than $1,460 annually and have a clean driving record, it may be time to review your policy.
Think You’re Paying Too Much?
Let’s compare your rate and see if we can save you money — without sacrificing service.
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Or call us directly at 800-335-0633
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