State profile · MA · CMS + NAIC
Massachusetts drivers average $1326/yr for auto insurance, ranked #17 of 51 states by expenditure; federal marketplace denial filings are not reported for this state-based exchange.
The verdict
Massachusetts runs its own health-insurance marketplace, so federal claim-denial data isn't reported here, but drivers pay an average $1326 a year for auto cover, above the $1191 national average (the 17th-most-expensive of 51 states), up 12% since 2019.
2019: $1183 average expenditure
$1,183 avg expenditure
2020: $1170 average expenditure
$1,170 avg expenditure
2021: $1165 average expenditure
$1,165 avg expenditure
2022: $1181 average expenditure
$1,181 avg expenditure
2023: $1326 average expenditure
$1,326 avg expenditure
What this shows Massachusetts drivers' average auto cost rose 12% between 2019 and 2023.
Year over year, Massachusetts's average auto expenditure rose 12.3% from 2022 to 2023, part of a 12% increase (+$143) since 2019. See the full 5-year state-by-state comparison.
Massachusetts auto rates in detail →Massachusetts: $1326/yr average auto expenditure (this state)
$1,326 avg expenditure
South Carolina: $1367/yr average auto expenditure
$1,367 avg expenditure
Arizona: $1344/yr average auto expenditure
$1,344 avg expenditure
California: $1223/yr average auto expenditure
$1,223 avg expenditure
Mississippi: $1200/yr average auto expenditure
$1,200 avg expenditure
No issuer-level claim-denial data is reported for Massachusetts in the current CMS dataset.
Evidence map
The order below follows the evidence with the greatest bearing on this state record, while keeping the CMS claims filing, NAIC cost series, and state-rule context distinct.
Auto-cost position
Massachusetts's 2023 average auto expenditure was $1326, 17th of 51 jurisdictions by cost and 11.4% above the national average. The figure reflects the coverage mix recorded by NAIC, not an individual driver's quote.
State insurance rules
Massachusetts is one of 12 no-fault auto-insurance states: drivers file injury claims with their own insurer's Personal Injury Protection coverage regardless of who caused the accident, rather than suing the at-fault driver. Massachusetts's insurance commissioner is an appointed office (in most states, by the governor), not an elected position -- one of 39 states structured this way.
Nearest expenditure peers. By average auto expenditure, Massachusetts's closest peers in PlainInsurer's dataset are Arizona ($1344/yr) and South Carolina ($1367/yr) -- both within a few dollars of Massachusetts's own $1326/yr.
Border comparison. Massachusetts borders Connecticut, New Hampshire, New York, Rhode Island, and Vermont. Massachusetts's auto costs run higher than 3 of them and lower than 2, by average auto expenditure -- geography is one of several factors (alongside regulation and risk pool) that shapes these differences, not a direct cause.
Massachusetts operates a state-based health-insurance marketplace, so its issuers are not in the federal CMS Transparency-in-Coverage file. For health-plan denial data, consult the Massachusetts Department of Insurance and the state exchange directly.
Rate regulation and guaranty-fund coverage are state-specific, so a state record can differ from an insurer's national average. Sources: CMS Transparency in Coverage PUF PY2026; NAIC 2023 Auto Insurance Database; Insurance Information Institute; Ballotpedia.
State insurance-department directory links come from NAIC. PlainInsurer is not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.