Car Insurance for Age 36-45 in Massachusetts

Average auto insurance rates for 36-45 year old drivers in Massachusetts (MA), including male vs female rate comparison.

Avg Annual Rate

$1,470

$256 below national avg

Male Rate

$1,499/yr

Female Rate

$1,441/yr

Cost Rank

#40

of 51 states

Male vs Female Rates — Age 36-45 in Massachusetts

Gender	Annual	Monthly	vs Average
Male	$1,499	$125	+$29
Female	$1,441	$120	$-29
Average	$1,470	$123	—

Male drivers aged 36-45 pay $58 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 36-45

Most Expensive

#1	Michigan	$2,700
#2	Louisiana	$2,600
#3	Florida	$2,500
#4	New York	$2,320
#5	Kentucky	$2,200
#6	Colorado	$2,100
#7	Georgia	$2,100
#8	California	$2,070
#9	Nevada	$2,070
#10	Oklahoma	$2,030

Least Expensive

#51	Maine	$900
#50	Vermont	$1,000
#49	New Hampshire	$1,050
#48	Idaho	$1,100
#47	Hawaii	$1,270
#46	Wisconsin	$1,280
#45	Ohio	$1,290
#44	North Carolina	$1,350
#43	Iowa	$1,350
#42	North Dakota	$1,360

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 36-45 in Massachusetts?

The average annual car insurance premium for 36-45 year olds in Massachusetts is $1,470 (about $123/month). This is $256 below the national average of $1,726 for this age group.

Do males or females pay more for car insurance at age 36-45 in Massachusetts?

In Massachusetts, male drivers aged 36-45 pay more — $1,499/yr for males vs $1,441/yr for females, a difference of $58 per year.

How does Massachusetts rank for age 36-45 insurance costs?

Massachusetts ranks #40 out of 51 states for car insurance costs for 36-45 year olds (most expensive first). The cheapest state for this age group is Maine at $900/yr, while Michigan is the most expensive at $2,700/yr.

Why is car insurance cheaper for age 36-45 in Massachusetts?

Insurance rates for 36-45 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 36-45 year olds save on car insurance in Massachusetts?

36-45 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 36-45 Rates in Other States

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity