Average Cost of Car Insurance in Massachusetts
Most Massachusetts drivers with a 2020 Mazda CX-3 pay $649 to $2,096 per year for minimum coverage. Full coverage costs $1,819 to $2,096 per year. These numbers come in below national averages of $820 for minimum and $2,697 for full coverage.
Rates shift based on your age, driving record, and location. Teens pay the highest. A 16-year-old faces about $4,565 per year for full coverage on a CX-3. A 30-year-old pays around $2,247. One speeding ticket bumps rates by 28%. Drivers with clean records score the lowest prices.
Your zip code plays a big role. In 01820 near Lowell, drivers average $2,081 per year. Quieter spots like Newton see lower costs. High traffic, theft, and claims drive up prices in busy areas.
Typical Monthly Costs for a 2020 Mazda CX-3
Minimum Coverage
| Age | Monthly cost |
|---|---|
| 25 | $134 |
| 40 | $118 |
| 60 | $85 |
Full Coverage
| Age | Monthly cost |
|---|---|
| 25 | $239 |
| 40 | $210 |
| 60 | $151 |
Coverage Basics in Massachusetts
Massachusetts requires these minimums:
| Coverage type | MA minimum |
|---|---|
| Bodily injury liability per person | $20,000 |
| Bodily injury liability per accident | $40,000 |
| Property damage liability | $5,000 |
| Uninsured motorist | Required limits |
Full coverage adds collision and comprehensive. These cover crash damage, theft, weather, and vandalism. Lenders demand full coverage on financed cars like the CX-3.
How to Lower Your Rate
- Compare quotes from three or more insurers. You often save $200 to $600 per year.
- Raise deductibles on collision and comprehensive. Higher deductibles cut monthly bills.
- Keep strong liability limits for protection. Drop extras you don't need.
- Bundle auto with home or renters insurance. Companies offer 10 to 25% discounts.
- Stay ticket-free and claim-free. Safe drivers win top rates.
- Shop again each year. New discounts and market shifts can drop your cost.
Enter your zip code like 01820 to check local rates for your 2020 Mazda CX-3. Sidekick tracks insurance, maintenance, and fuel in one spot to spot savings fast. (512 words)