Car Insurance for Age 20-25 in Massachusetts

Average auto insurance rates for 20-25 year old drivers in Massachusetts (MA), including male vs female rate comparison.

Avg Annual Rate

$2,646

$461 below national avg

Male Rate

$2,940/yr

Female Rate

$2,352/yr

Cost Rank

#40

of 51 states

Male vs Female Rates — Age 20-25 in Massachusetts

Gender	Annual	Monthly	vs Average
Male	$2,940	$245	+$294
Female	$2,352	$196	$-294
Average	$2,646	$221	—

Male drivers aged 20-25 pay $588 more per year in Massachusetts.

All Age Groups in Massachusetts

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

Most & Least Expensive States for Age 20-25

Most Expensive

#1	Michigan	$4,860
#2	Louisiana	$4,680
#3	Florida	$4,500
#4	New York	$4,176
#5	Kentucky	$3,960
#6	Colorado	$3,780
#7	Georgia	$3,780
#8	California	$3,726
#9	Nevada	$3,726
#10	Oklahoma	$3,654

Least Expensive

#51	Maine	$1,620
#50	Vermont	$1,800
#49	New Hampshire	$1,890
#48	Idaho	$1,980
#47	Hawaii	$2,286
#46	Wisconsin	$2,304
#45	Ohio	$2,322
#44	North Carolina	$2,430
#43	Iowa	$2,430
#42	North Dakota	$2,448

Massachusetts Insurance Overview

State Avg Premium

$1,470/yr

Fault System

No-Fault

Uninsured Rate

6.2%

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

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.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

How much does car insurance cost for age 20-25 in Massachusetts?

The average annual car insurance premium for 20-25 year olds in Massachusetts is $2,646 (about $221/month). This is $461 below the national average of $3,107 for this age group.

Do males or females pay more for car insurance at age 20-25 in Massachusetts?

In Massachusetts, male drivers aged 20-25 pay more — $2,940/yr for males vs $2,352/yr for females, a difference of $588 per year.

How does Massachusetts rank for age 20-25 insurance costs?

Massachusetts ranks #40 out of 51 states for car insurance costs for 20-25 year olds (most expensive first). The cheapest state for this age group is Maine at $1,620/yr, while Michigan is the most expensive at $4,860/yr.

Why is car insurance cheaper for age 20-25 in Massachusetts?

Insurance rates for 20-25 year olds in Massachusetts are influenced by the state's no-fault system, local accident rates (86,469/yr), uninsured driver rate (6.2%), and population density. Massachusetts has 5,764,600 registered vehicles.

How can 20-25 year olds save on car insurance in Massachusetts?

20-25 year olds in Massachusetts can save by: comparing quotes from multiple insurers (GEICO is often the cheapest), maintaining a clean driving record, taking defensive driving courses, bundling policies, and asking about age-specific or good student discounts. Higher deductibles can also lower premiums.

Age 20-25 Rates in Other States

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