How Cities in Massachusetts Ranked Based on Car Insurance Costs

Massachusetts is one of the oldest states in the union and thus is full of diverse cities, towns and landscapes. Whether it's in busy Boston or the wilderness of Franklin County, each town and city has its own cost of auto insurance. In this study we analyzed over 348 places in the Bay State to determine where was the most expensive and the least expensive. Yearly premiums for our sample driver ranged from $421 in the least expensive town to $996 in the most expensive city, with a statewide average of $529. 

Table of Contents 

Least Expensive 

The least expensive towns in Massachusetts come mostly from the mid-western part of the state. They are generally very small towns of less than 3,000 people and boast insurance prices as low as 20% less than the state average. 

Graph showing how the top five least expensive cities in Massachusetts for auto insurance stack up

New Salem

New Salem is the least expensive place for auto insurance in Massachusetts. The town, though similarly named, has no relation to the more famous town of "Witch Trial" fame, which is the 327th least expensive city in Massachusetts. Our sample driver was quoted $421 per year, 20% less than the state average. The most expensive city, Brockton, is about 136% more expensive.

Erving

Erving, also of Franklin County, is another small town of 1,800. About 8 miles away from New Salem, the town rests on the banks of Millers River and Wendell State forest making it highly popular for outdoor enthusiasts. As the second least expensive town in Massachusetts, our profile driver got an average quote of $422 per year. 

Whately

Whately is another entry from West Massachusetts, though the first not from Franklin County. Our sample driver from the town known for its agriculture was quoted a yearly premium of $422.30, making it slightly more expensive than Erving. 

Charlemont 

Charlemont another member of Franklin County is the fourth least expensive place in Massachusetts. The small city of about 13,000 boasts a strong tourism industry due to its proximity to Savoy Mountain State Forest. Our sample driver was quoted a $422.35 making it a paltry five cents more expensive than Whately. 

Edgartown 

In the complete opposite end of the state is Edgartown, the fifth least expensive place in our Massachusetts study. Located in Martha’s Vineyard in Duke’s County the small town boasts only 1,000 permanent residents but gets a boom during the summer. Our sample driver was quoted $423 per year. 

Most Expensive Cities

The five most expensive cities are more geographically diverse and overall much larger than the least expensive ones. Three of the five come from the state's North Shore, while all boast at least 35,000 residents and are about 67% to 88% more expensive than the state average. 

Graph showing how the top five most expensive cities in Massachusetts for auto insurance stack up

Brockton

Brockton, Massachusetts' seventh largest city is the most expensive on our list. Our driver from the ‘City of Champions' was quoted a yearly premium of $996, about 88% more expensive than the state average. Perhaps it should not come as a surprise that one of the windiest cities in the country has high costs for our sample motorist and resident. 

Revere

The city, famously named after the man who warned us about the British, is the 2nd most expensive place for car insurance in the state. Home to over 50,000 people, the medium sized city is only five miles north of Boston. Our sample driver was given a premium of $938 per year, about 77% more than the state average. 

Lynn

Lynn, a fairly large city of 90,000 is the third most expensive for insurance in Massachusetts. Our driver was given a yearly premium of $915, 73% more expensive than the state average.

Springfield

Springfield is the center of Massachusetts' second metropolitan area, as well as the fourth most expensive place. While cities from Western Massachusetts have been relatively inexpensive, Springfield is a large city of over 150,000 and on the banks of the Connecticut River. Generally, large cities on rivers do poorly for insurance rates. Our sample driver from the city called the City of Homes due to its Victorian residential architecture received a yearly premium of $900. 

Chelsea

Back on the North Shore, Chelsea, a small city of 37,000 is the fourth most expensive in the state. Our sample driver from the industrial city was quoted $884 per year, about 67% more expensive than the state average. 

Boston 

We did not forget about Massachusetts' premier metropolitan area. The city does however have multiple neighborhoods so for our master ranking we averaged them all together to get a city average of $827 for our profile driver. Neighborhoods within the city range widely however, a couple are even more expensive than Brockton. 

Graph shows how car insurance differs across different Boston neighborhoods

Interestingly, the heart of Boston is the least expensive neighborhood in our study of cost variations. Further out neighborhoods such as Roxbury and Dorchester rank as the most expensive spots for car insurance in Boston and in Massachusetts in general. 

How Cost Differs by Place in Massachusetts 

In this study we looked at 348 towns and cities across Massachusetts and found a statewide average yearly premium of $529--based on our sample driver and their insurance limits. Generally larger cities on the eastern side of the state were more expensive while small towns in Western Massachusetts were inexpensive.


Rank City AveragePercent Difference From Average 
1 New Salem  $421 -20%
2 Erving $422 -20%
3 Whately $422 -20%
4 Charlemont $422 -20%
5 Edgartown $423 -20%
6 Northfield $423 -20%
7 West Tisbury $424 -20%
8 Bernardston $424 -20%
9 Gill $424 -20%
10 Buckland $424 -20%
11 New Marlborough $424 -20%
12 Plainfield $424 -20%
13 Mt Washington $425 -20%
14 Egremont $425 -20%
15 Tisbury $425 -20%
16 Deerfield $426 -19%
17 Cheshire $427 -19%
18 Tyringham $427 -19%
19 Alford $427 -19%
20 Cummington $427 -19%
21 Warwick $427 -19%
22 Petersham $428 -19%
23 Rowe $428 -19%
24 Oak Bluffs $429 -19%
25 Templeton $430 -19%
26 Chesterfield $430 -19%
27 Adams $430 -19%
28 Sandisfield $430 -19%
29 Williamstown $430 -19%
30 Hancock $430 -19%
31 Ashfield $430 -19%
32 Clarksburg $430 -19%
33 Richmond $431 -18%
34 Sheffield $432 -18%
35 Littleton $432 -18%
36 Harvard $432 -18%
37 Hatfield $432 -18%
38 Eastham $432 -18%
39 Chatham $433 -18%
40 Orleans $433 -18%
41 Chilmark $433 -18%
42 Goshen $433 -18%
43 Monterey $434 -18%
44 Groton $434 -18%
45 Conway $434 -18%
46 Gay Head $434 -18%
47 Pepperell $435 -18%
48 Princeton $435 -18%
49 Lenox $435 -18%
50 Wellfleet $435 -18%
51 Brewster $435 -18%
52 Upton $436 -18%
53 Montague $436 -18%
54 Washington $436 -18%
55 West Brookfield $436 -18%
56 Lee $436 -17%
57 Stow $437 -17%
58 Westford $437 -17%
59 Otis $438 -17%
60 West Newbury $438 -17%
61 Williamsburg $438 -17%
62 Concord $438 -17%
63 Hawley $438 -17%
64 Dalton $439 -17%
65 New Braintree $439 -17%
66 Westhampton $439 -17%
67 Sudbury $439 -17%
68 New Ashford $440 -17%
69 Provincetown $440 -17%
70 Hardwick $440 -17%
71 Maynard $440 -17%
72 Boxborough $441 -17%
73 Townsend $441 -17%
74 Sterling $441 -17%
75 Pelham $442 -17%
76 Hadley $443 -16%
77 Carlisle $443 -16%
78 Sutton $443 -16%
79 Hopkinton $443 -16%
80 Acton $444 -16%
81 Northborough $444 -16%
82 Millis $446 -16%
83 Montgomery $446 -16%
84 Leyden $446 -16%
85 Medfield $447 -15%
86 Manchester $448 -15%
87 Truro $448 -15%
88 Uxbridge $449 -15%
89 Southborough $450 -15%
90 Tolland $450 -15%
91 Medway $451 -15%
92 Berlin $452 -15%
93 Shelburne $452 -15%
94 Leverett $452 -15%
95 Mendon $453 -14%
96 Middlefield $455 -14%
97 Chester $455 -14%
98 Phillipston $455 -14%
99 Gosnold $455 -14%
100 Dunstable $457 -14%
101 Worthington $457 -14%
102 Colrain $457 -14%
103 Great Barrington $457 -14%
104 Stockbridge $458 -13%
105 Windsor $459 -13%
106 Lanesborough $461 -13%
107 Holland $462 -13%
108 Harwich $463 -13%
109 Royalston $463 -13%
110 Bolton $463 -12%
111 Ashburnham $463 -12%
112 West Stockbridge $463 -12%
113 Ashby $464 -12%
114 Newburyport $464 -12%
115 Newbury $465 -12%
116 Millville $466 -12%
117 Hubbardston $466 -12%
118 Lunenburg $466 -12%
119 Southampton $467 -12%
120 Westminster $467 -12%
121 Franklin $468 -12%
122 Sturbridge $468 -12%
123 Oakham $468 -11%
124 Peru $469 -11%
125 Monroe $471 -11%
126 Norfolk $471 -11%
127 Lincoln $474 -10%
128 Hamilton $474 -10%
129 Wellesley $476 -10%
130 Sherborn $481 -9%
131 Hinsdale $483 -9%
132 Becket $484 -8%
133 Florida $486 -8%
134 Heath $487 -8%
135 Orange $487 -8%
136 West Boylston $489 -8%
137 Shirley $489 -7%
138 No Adams $490 -7%
139 Barre $491 -7%
140 Granville $493 -7%
141 Greenfield $493 -7%
142 Amesbury $494 -7%
143 Shutesbury $495 -6%
144 Sunderland $495 -6%
145 E Brookfield $496 -6%
146 Wales $498 -6%
147 Westborough $498 -6%
148 Huntington $498 -6%
149 Wenham $499 -6%
150 Rockport $500 -6%
151 Essex $500 -5%
152 Ipswich $501 -5%
153 Warren $501 -5%
154 Chelmsford $502 -5%
155 Lancaster $502 -5%
156 Georgetown $503 -5%
157 Boylston $503 -5%
158 No Brookfield $504 -5%
159 Bedford $504 -5%
160 Wrentham $505 -5%
161 Douglas $505 -5%
162 Ware $506 -4%
163 Holliston $507 -4%
164 Winchendon $508 -4%
165 Dover $509 -4%
166 Brookfield $509 -4%
167 Blandford $510 -4%
168 Brimfield $510 -4%
169 Hopedale $510 -4%
170 Groveland $511 -3%
171 Gardner $511 -3%
172 Hudson $511 -3%
173 Needham $511 -3%
174 Merrimac $511 -3%
175 Wayland $512 -3%
176 Ayer $512 -3%
177 Boxford $512 -3%
178 Dennis $512 -3%
179 Blackstone $512 -3%
180 Athol $513 -3%
181 Lexington $514 -3%
182 Monson $514 -3%
183 Easthampton $515 -3%
184 Belchertown $515 -3%
185 Rochester $516 -3%
186 Rowley $517 -2%
187 Andover $518 -2%
188 Sandwich $518 -2%
189 Marion $518 -2%
190 Bellingham $519 -2%
191 Rutland $519 -2%
192 Tyngsborough $519 -2%
193 Mattapoisett $520 -2%
194 Weston $520 -2%
195 Dudley $520 -2%
196 Holden $521 -2%
197 No Attleborough $521 -1%
198 Natick $522 -1%
199 Northampton $522 -1%
200 Northbridge $523 -1%
201 Reading $524 -1%
202 Mansfield $524 -1%
203 Duxbury $526 -1%
204 Grafton $527 0%
Average  $529 0%
205 Russell $529 0%
206 Falmouth $530 0%
207 Foxborough $530 0%
208 Belmont $533 1%
209 Winchester $533 1%
210 Charlton $536 1%
211 Topsfield $539 2%
212 Salisbury $539 2%
213 Norwell $540 2%
214 Granby $543 3%
215 Kingston $544 3%
216 Amherst $544 3%
217 Pittsfield $544 3%
218 Plainville $545 3%
219 Southwick $545 3%
220 No Andover $546 3%
221 Leominster $546 3%
222 Palmer $546 3%
223 Yarmouth $546 3%
224 South Hadley $546 3%
225 Paxton $547 3%
226 Gloucester $548 4%
227 Hingham $549 4%
228 Bourne $549 4%
229 Burlington $549 4%
230 Rehoboth $549 4%
231 Arlington $549 4%
232 Oxford $550 4%
233 Millbury $550 4%
234 Lakeville $550 4%
235 Seekonk $551 4%
236 Milford $554 5%
237 No Reading $554 5%
238 Westport $555 5%
239 Beverly $555 5%
240 Longmeadow $555 5%
241 Hanover $556 5%
242 Wilmington $556 5%
243 Cohasset $556 5%
244 Walpole $557 5%
245 Barnstable $557 5%
246 Freetown $557 5%
247 Billerica $557 5%
248 Tewksbury $558 6%
249 Mashpee $558 6%
250 Marlborough $559 6%
251 Westwood $559 6%
252 Ashland $559 6%
253 Dighton $560 6%
254 Shrewsbury $560 6%
255 Norton $561 6%
256 Attleboro $561 6%
257 Wilbraham $562 6%
258 Swansea $563 6%
259 Danvers $563 6%
260 Halifax $563 6%
261 Hampden $564 7%
262 Marblehead $566 7%
263 Clinton $575 9%
264 Auburn $575 9%
265 Spencer $579 9%
266 Southbridge $579 9%
267 Middleton $582 10%
268 Hanson $582 10%
269 Plympton $585 11%
270 Middleborough $585 11%
271 Scituate $585 11%
272 Pembroke $587 11%
273 E Longmeadow $587 11%
274 Dracut $589 11%
275 Bridgewater $589 11%
276 Wakefield $590 12%
277 Somerset $591 12%
278 Newton $591 12%
279 Westfield $591 12%
280 Berkley $592 12%
281 Carver $595 12%
282 Plymouth $595 12%
283 Ludlow $596 13%
284 Raynham $596 13%
285 Webster $596 13%
286 Leicester $597 13%
287 Marshfield $597 13%
288 Sharon $599 13%
289 Waltham $600 13%
290 Fitchburg $600 13%
291 Watertown $601 14%
292 Lynnfield $602 14%
293 E Bridgewater $603 14%
294 Dartmouth $604 14%
295 Acushnet $604 14%
296 Agawam $606 14%
297 Fairhaven $610 15%
298 Melrose $610 15%
299 Norwood $611 15%
300 Woburn $613 16%
301 Easton $614 16%
302 Haverhill $619 17%
303 Wareham $620 17%
304 Brookline $629 19%
305 Stoneham $632 19%
306 Dedham $633 20%
307 Canton $634 20%
308 Braintree $637 20%
309 Whitman $638 21%
310 Abington $640 21%
311 Nahant $640 21%
312 West Bridgewater $653 23%
313 Cambridge $655 24%
314 Methuen $657 24%
315 Framingham $660 25%
316 Chicopee $667 26%
317 West Springfield $668 26%
318 Taunton $672 27%
319 Rockland $673 27%
320 Hull $674 27%
321 Peabody $674 27%
322 Swampscott $675 28%
323 Weymouth $678 28%
324 Avon $682 29%
325 Milton $683 29%
326 Holbrook $697 32%
327 Salem $708 34%
328 Somerville $719 36%
329 Medford $721 36%
330 Quincy $726 37%
331 Stoughton $733 39%
332 Saugus $744 41%
333 Lowell $764 45%
334 Holyoke $772 46%
335 Worcester $774 46%
336 New Bedford $776 47%
337 Fall River $777 47%
338 Winthrop $781 48%
339 Lawrence $788 49%
340 Boston  $802 52%
341 Malden $871 65%
342 Everett $876 66%
343 Randolph $876 66%
344 Chelsea $884 67%
345 Springfield $900 70%
346 Lynn $915 73%
347 Revere $938 77%
348 Brockton $996 88%

How We Conducted This Study

We collected quotes from Massachusetts government data. The sample driver used was a 30 year old male who drove a 2013 Toyota Camry. The only parameter that changed was the zip code where he lived. Below you can see the state required limits as well as the coverage used in our study.

Coverage TypeStudy Limits
Bodily Liability  $20,000 per person / $40,000 per accident  
Property Damage  $5,000 per accident 
Uninsured/Underinsured Motorist BI $20,000 per person / $40,000 per accident 
Uninsured/Underinsured Motorist Property 
None
Personal Injury Protection (PIP) $8,000
Comprehensive & Collision None 

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