Massachusetts Auto Insurance Rates
Median premium: $866/6mo across 9 carriers and 685 ZIP codes.
Premiums range from $701 to $1,787 — a 2.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$866
per 6 months
ZIP Codes
685
with rate data
Carriers
9
rated in MA
Price Spread
2.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Farmers | $461 | 685 ZIPs | 100% | |
| 2 | USAA | $567 | 0 ZIPs | 0% | |
| 3 | State Farm | $724 | 0 ZIPs | 0% | |
| 4 | Progressive | $788 | 0 ZIPs | 0% | |
| 5 | Nationwide | $866 | 0 ZIPs | 0% | |
| 6 | Travelers | $882 | 0 ZIPs | 0% | |
| 7 | Liberty Mutual | $906 | 0 ZIPs | 0% | |
| 8 | Allstate | $1,024 | 0 ZIPs | 0% | |
| 9 | GEICO | $1,632 | 0 ZIPs | 0% |
Geographic Insights
Cheapest Cities in Massachusetts
| City | Avg Median | ZIPs |
|---|---|---|
| Andover | $800 | 5 |
| Agawam | $866 | 1 |
| Amherst | $866 | 3 |
| Barre | $866 | 1 |
| Belchertown | $866 | 1 |
Most Expensive Cities in Massachusetts
| City | Avg Median | ZIPs |
|---|---|---|
| Nonantum | $949 | 1 |
| Needham Heights | $949 | 1 |
| Weston | $949 | 1 |
| Needham | $949 | 1 |
| Wellesley | $949 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$949/6mo
02495 (Nonantum)
Cheapest ZIP
$701/6mo
05501 (Andover)
2.5x
Price Spread
The most expensive ZIP in Massachusetts costs 2.5x more than the cheapest. Your ZIP code matters more than you think.
Massachusetts Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Massachusetts
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Access ZIP-level rate data across all 9 carriers, 685 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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