Massachusetts auto insurance averages - $1,326.46 per year in 2023, ranked #17 of 51 states. NAIC Auto Insurance Database (June 2025 release).
Massachusetts's 2019-2023 expenditure path rose on this NAIC series; averages reflect purchased coverage mix, not a binder price.
| Year | Avg Expenditure | Liability Avg |
|---|---|---|
| 2023 Latest | $1,326.46 ▲12.3% | $710 |
| 2022 | $1,181.06 ▲1.4% | $648 |
| 2021 | $1,165.14 ▼0.4% | $644 |
| 2020 | $1,169.84 ▼1.1% | $649 |
| 2019 | $1,182.69 | $665 |
Evidence lead: Five-year movement
Massachusetts's strongest visible signal here is its 2019-2023 expenditure path. The cards below separate that change from level, annual shape, component mix, and registry coverage - descriptive only, not a quote.
Five-year movement
Massachusetts's +12.2% change ranks #44 of 51, placing it in the slowest-moving end of the 2019–2023 distribution. That result is an endpoint comparison, not evidence that every intervening year was flat. Annual direction and the latest one-year move are reported separately.
Year-by-year shape
Massachusetts has 2 declining annual steps and 2 rising steps in the four comparisons. The latest change is +12.3% from 2022 to 2023; the largest absolute step is +12.3% in 2023. The endpoint result should therefore be read as an uneven sequence, not a steady trend.
2023 cost position
Massachusetts sits at #17 of 51 with $1,326.46 in average expenditure. It is outside the top-ten extreme but remains in the upper portion of the 2023 distribution. The measure reflects the coverage mix actually purchased in the state, so it should be read as a market benchmark rather than a price prediction.
Coverage-component signature
Massachusetts's most distinctive 2023 component is comprehensive: $183.42, or 26.3% below the 51-jurisdiction average of $249.02. This compares like-for-like component averages across jurisdictions. It does not treat liability, collision, and comprehensive as additive parts of average expenditure.
Substantial registry context
Massachusetts's separate complaint layer covers 48 companies with 6,767 recorded complaints. That is #22 for company breadth and #22 for record count across 51 jurisdictions—an upper-middle registry footprint. The totals are coverage denominators, not quality grades, and they are deliberately excluded from the state's expenditure calculation.
Nearest expenditure peers. By average expenditure, Massachusetts's closest peers in this dataset are Arizona ($1,343.85) and South Carolina ($1,367.39), both within a few dollars of Massachusetts's own $1,326.46.
Note on state comparisons: These averages reflect the mix of coverages purchased in Massachusetts, not what any individual consumer pays. Your personal premium depends on your driving record, vehicle, coverage limits, deductible, credit score (where permitted), and insurer.
Read our methodology - how this data is sourced, computed, and verified.
