Cost of Owning a Car in Massachusetts
How Massachusetts’s gas prices, electricity rates, sales tax and insurance costs affect what you’ll typically pay to own a vehicle.
Massachusetts at a glance
Gas price
$3.55per gallon, illustrative averageElectricity
$0.24per kWh, illustrative averageSales tax
6.25%plus ~$75 average registrationInsurance in Massachusetts runs close to the national average in this model, reflected as a 1.05× multiplier on our base class rates.
What drives the cost in Massachusetts
Costs are pushed up mainly by sales tax (about $583 more over 5 years) and insurance rates (about $442 more over 5 years). (Figures are for a typical SUV compared with the average state.)
5-year cost by vehicle class in Massachusetts
Uses real market-average vehicle prices per class (from our 152-vehicle MarketCheck pull) combined with Massachusetts-specific tax, fee, fuel and insurance data.
Sedan
$34,5275-year estimate, $575/moSUV / crossover
$46,8325-year estimate, $781/moTruck
$49,1645-year estimate, $819/moElectric
$51,0245-year estimate, $850/moLuxury
$70,5555-year estimate, $1,176/moPopular vehicles: 5-year cost in Massachusetts
2026 Toyota RAV4
$36,0135-year cost in MassachusettsFull breakdown →2026 Honda CR-V
$35,6835-year cost in MassachusettsFull breakdown →2026 Toyota Camry
$31,6755-year cost in MassachusettsFull breakdown →2026 Honda Civic
$27,5995-year cost in MassachusettsFull breakdown →2026 Ford F-150
$61,3155-year cost in MassachusettsFull breakdown →2026 Tesla Model Y
$40,8225-year cost in MassachusettsFull breakdown →2026 Chevrolet Equinox
$40,7825-year cost in MassachusettsFull breakdown →2026 Toyota Corolla
$27,5475-year cost in MassachusettsFull breakdown →EV vs. gas in Massachusetts
At Massachusetts’s $0.24/kWh electricity and $3.55/gal gas, charging a typical EV at home costs about $950 a year, versus about $1,374 a year to fuel a typical gas sedan — a savings of $424 per year. Run your own numbers with the EV vs. gas calculator.