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Auto insurance rates, minimum coverage requirements, and driver statistics for Massachusetts (MA).
Avg Annual Premium
$1,470
$256 below national avg
Cost Rank
#40
of 51 (most expensive first)
Fault System
No-Fault
Tort-based
Uninsured Rate
6.2%
of drivers
Min Liability
$480/yr
Legal minimum
Average Premium
$1,470/yr
State average
Full Coverage
$1,470/yr
Comprehensive + Collision
Massachusetts requires:
20/40 / 5 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $3,969 | $4,484 | $3,454 |
| 20-25 | $2,646 | $2,940 | $2,352 |
| 26-35 | $1,617 | $1,690 | $1,544 |
| 36-45 | $1,470 | $1,499 | $1,441 |
| 46-55 | $1,396 | $1,426 | $1,367 |
| 56-65 | $1,352 | $1,382 | $1,323 |
| 65+ | $1,544 | $1,588 | $1,499 |
Rates shown are annual averages for each age group in Massachusetts. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Massachusetts | National Avg |
|---|---|---|
| Average Annual Premium | $1,470 | $1,726 |
| Uninsured Rate | 6.2% | 11.1% |
| Registered Vehicles | 5,764,600 | 5,330,804 |
| Accidents per Year | 86,469 | 79,962 |
Population
7,030,000
Registered Vehicles
5,764,600
Accidents per Year
86,469
Vehicles per Capita
0.82
The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.
Read our full methodology or contact us with corrections.