In Boston, the average full coverage car insurance costs $179 per month. Rates can range from as low as $149 to as high as $424, depending on various factors. To help drivers better understand what they might pay, the table below includes the average car insurance costs for different driver profiles in the city.
Boston, MA, Car Insurance
Updated: December 27, 2024
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Cheapest Car Insurance in Boston: Key Takeaways
In the city, State Farm, Allstate, American Family, Amica Mutual, Arbella, Chubb, GEICO, Hanover, Plymouth Rock Assurance, Progressive, Safety Group, Travelers and Vermont Mutual offer the cheapest car insurance options.
State Farm stands out as the most affordable car insurance provider in the city, with monthly rates of $37 for minimum coverage and $79 for full coverage.
On average, car insurance in the city costs $74 per month for minimum coverage and $179 for full coverage, though rates vary with different driver profiles.
Car Insurance Quotes in Boston, MA
| Young Drivers | $82 | $205 |
| Teens | No Data | $424 |
| Seniors | $61 | $148 |
| Drivers With a Speeding Ticket | $91 | $226 |
| Drivers With a DUI | $136 | $328 |
| Drivers With An Accident | $120 | $289 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Boston vs. State Average
Massachusetts
State Average Full Coverage Rate
$1,358
Boston, MA
City Average Full Coverage Rate
$2,136More:$778 more
This is 57% more expensive.
What Is the Average Car Insurance Rate in Boston?
In Boston, the average annual cost for full coverage car insurance is $2,136, while the minimum coverage costs $881. These rates are higher than the Massachusetts averages, where full coverage is $1,358 and the state minimum is $579.
| State Average | $579 | $1,358 |
| Boston Average | $881 | $2,136 |
Cheapest Car Insurance Companies in Boston
Even though premiums are rising, you can still find cheap car insurance in Boston. State Farm offers the lowest monthly rate for minimum coverage at $37. For full coverage, State Farm also provides the best rate at $79 per month.
WHY CAR INSURANCE IN BOSTON IS EXPENSIVE
Car insurance is expensive in Boston due to high traffic density and accident rates. Boston ranks as one of the most costly cities in the state for car insurance. Statewide, factors like uninsured drivers and frequent personal injury lawsuits also drive up premiums. For more details, see why car insurance is expensive in Boston.
Cheap Car Insurance in Boston
State Farm often offers the cheapest car insurance, but rates vary by driver. To find the most affordable option, get quotes from several insurers. Below is a table showing the cheapest car insurance rates for various driver profiles.
| Plymouth Rock Assurance | Minimum Coverage | $37 |
| State Farm | Full Coverage | $79 |
| State Farm | Teens | $189 |
| State Farm | Young Adults | $58 |
| State Farm | Seniors | $44 |
| Plymouth Rock Assurance | Drivers With a DUI | $102 |
| State Farm | Drivers With An Accident | $91 |
| State Farm | Drivers With a Speeding Ticket | $67 |
Car Insurance Rates in Boston by Company
To get the best car insurance deal in Boston, you need to compare prices from different companies. We've outlined the most affordable options for state minimum and full coverage plans below.
Cheapest Car Insurance Companies for Minimum Coverage in Boston
State Farm offers the cheapest minimum coverage auto insurance at $37 per month. Plymouth Rock Assurance follows closely at $39 monthly. See the breakdown of the cheapest options in the table below.
| State Farm | $37 | $37 |
| Plymouth Rock Assurance | $39 | $35 |
| Hanover | $45 | $29 |
| Safety Group | $52 | $22 |
| Vermont Mutual | $52 | $22 |
| American Family | $59 | $15 |
| Chubb | $67 | $7 |
Cheapest Car Insurance Companies for Full Coverage in Boston
State Farm offers the cheapest full coverage car insurance in Boston at $79 per month. Below is the full list of providers and their rates.
| American Family | $135 | $45 |
| Hanover | $159 | $20 |
| Plymouth Rock Assurance | $96 | $83 |
| Safety Group | $155 | $24 |
| State Farm | $79 | $101 |
| Vermont Mutual | $170 | $9 |
Car Insurance Companies in Boston
To find affordable car insurance in Boston, get quotes from several companies. State Farm offers the cheapest rate at $694 annually. Safety Group, with a MoneyGeek score of 85, is the best cheap provider. Check the table below for more options.
| Safety Group | 85 | $1,151 |
| Plymouth Rock Assurance | 81 | $761 |
| Chubb | 79 | $1,667 |
| Arbella | 77 | $1,705 |
| American Family | 75 | $1,164 |
| State Farm | 74 | $694 |
| Amica Mutual | 74 | $1,930 |
| Vermont Mutual | 72 | $1,335 |
| Hanover | 72 | $1,225 |
| GEICO | 53 | $1,789 |
| Progressive | 50 | $1,954 |
| Travelers | 49 | $2,227 |
| Allstate | 49 | $2,012 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Boston by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,136 per year for 40-year-olds and $1,778 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,877 | $-2,129 |
| 17 | $3,750 | $-2,003 |
| 18 | $3,523 | $-1,776 |
| 19 | $2,882 | $-1,134 |
| 20 | $2,907 | $-1,160 |
| 21 | $2,660 | $-913 |
| 22 | $2,136 | $-388 |
| 23 | $2,282 | $-535 |
| 24 | $1,912 | $-165 |
| 25 | $2,458 | $-1,108 |
| 40 | $2,136 | $-786 |
| 65 | $1,778 | $-428 |
Cheapest Car Insurance for Teens in Boston
The cheapest overall car insurance for teens in Boston is State Farm, with a monthly rate of $146, saving $147 compared to the state average. The table below also breaks down some of the most affordable providers for teens in the city.
| State Farm | $146 | $147 | $189 |
| Progressive | $175 | $118 | $725 |
| GEICO | $350 | $-58 | $274 |
| Allstate | $359 | $-66 | $436 |
| Travelers | $433 | $-140 | $498 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Boston
State Farm offers the best minimum coverage rate for young drivers in Boston at $37 per month. For full coverage, they also have the lowest rate at $79 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $37 |
| State Farm | Full Coverage | $79 |
| State Farm | Drivers With a DUI | $108 |
| State Farm | Drivers With An Accident | $91 |
| State Farm | Drivers With a Speeding Ticket | $67 |
Cheapest Car Insurance Companies for Young Drivers in Boston
State Farm offers the most affordable auto insurance for young drivers at $58 per month. Learn more about affordable auto insurance. The table below shows other companies with competitive rates.
| State Farm | $58 | $87 |
| Plymouth Rock Assurance | $84 | $60 |
| Safety Group | $111 | $33 |
| American Family | $114 | $30 |
| Vermont Mutual | $127 | $18 |
| Hanover | $131 | $13 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Boston
State Farm offers the most affordable rates for minimum coverage, starting at $28 per month. However, rates can change based on many factors. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.
| State Farm | Minimum Coverage | $28 |
| State Farm | Full Coverage | $60 |
| State Farm | Drivers With a DUI | $82 |
| State Farm | Drivers With An Accident | $68 |
| State Farm | Drivers With a Speeding Ticket | $51 |
Cheapest Car Insurance Companies for Seniors in Boston
State Farm offers the cheapest monthly premium for seniors at $44 for both minimum and full coverage. Plymouth Rock Assurance follows with a $63 rate. The table below highlights top car insurance providers for seniors in Boston.
| State Farm | $44 | $61 |
| Plymouth Rock Assurance | $63 | $42 |
| Safety Group | $64 | $41 |
| Hanover | $77 | $28 |
| Vermont Mutual | $78 | $27 |
| American Family | $99 | $6 |
| GEICO | $103 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Boston
In Boston, high-risk drivers often pay less for car insurance than the state average. Comparing rates, Boston's minimum coverage is $1,402, while the state average is $916. Full coverage in Boston is $3,397 compared to the state's $2,157. Drivers with DUIs face the highest costs, whereas accidents and speeding tickets have a smaller impact on premiums.
| State Average | $916 | $2,157 |
| Boston Average | $1,402 | $3,397 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Boston insurers typically consider minor driving incidents like not-at-fault accidents or speeding tickets for three to five years. For more serious offenses, such as a DUI, insurers may take them into account for up to ten years, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Boston
Hanover offers the cheapest minimum coverage for drivers with a DUI in Boston at $63 per month. State Farm provides the most affordable full coverage at $141 monthly. Check out the table below for more low-cost coverage options.
| State Farm | $75 | $141 |
| Plymouth Rock Assurance | $65 | $153 |
| American Family | $98 | $230 |
| Hanover | $63 | $233 |
| Progressive | $118 | $256 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Boston
Plymouth Rock Assurance, State Farm, and American Family offer the cheapest car insurance for drivers with an at-fault accident in Boston. For those seeking the cheapest auto insurance after an at-fault accident, these providers stand out. The table below shows different providers in Boston offering affordable car insurance coverage for drivers with an at-fault accident violation.
| State Farm | $62 | $119 |
| Plymouth Rock Assurance | $62 | $146 |
| American Family | $81 | $189 |
| Safety Group | $100 | $283 |
| Hanover | $85 | $291 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Boston
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering a monthly rate of $44 for minimum coverage and $90 for full coverage in Boston. Check the table below to see how other providers charge drivers with a speeding ticket.
| State Farm | $44 | $90 |
| Plymouth Rock Assurance | $57 | $141 |
| Safety Group | $62 | $185 |
| Vermont Mutual | $69 | $242 |
| Hanover | $78 | $267 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Minimum Car Insurance Requirements in Boston, MA
In Massachusetts, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $20,000 for bodily injury liability per person.
- $40,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
- $20,000 uninsured motorist bodily injury per person.
- $40,000 uninsured motorist bodily injury per accident.
- $8,000 personal injury protection (PIP) per accident.
For example, if you're in an accident, your policy covers up to $20,000 for injuries to one person, $40,000 for injuries to all involved, and $5,000 for property damage. This ensures basic protection for drivers and passengers.
Cheap Car Insurance in Boston: Bottom Line
In Boston, State Farm shines as the cheapest for minimum and full car insurance coverage. No matter your age or credit, you'll find providers with plans that fit your wallet. Make sure your policy includes Massachusetts's must-haves: bodily injury, property damage, and more. By shopping around, secure the best price for the coverage you need under Bay State law.
Boston Auto Insurance: FAQ
This FAQ section delivers quick answers to common questions about finding affordable and best car insurance options in Boston. Understand state minimum coverage and explore cheap insurance plans to make informed choices without hassle.
What is the cheapest car insurance company in Boston, Massachusetts?
State Farm offers the most affordable car insurance in Boston, Massachusetts, with minimum coverage rates starting at $37 per month.
What is the best car insurance company in Boston, Massachusetts?
Safety Group is the best car insurance provider in Boston, Massachusetts, with an 85 out of 100 MoneyGeek score.
How much does car insurance cost on average in Boston?
The average monthly cost for minimum coverage auto insurance in Boston spans from $61 to $137.
Best Cheap Car Insurance in Boston: Our Methodology
MoneyGeek conducted an analysis of Boston auto insurance prices using data from the Massachusetts Department of Insurance and Financial Services and Quadrant Information Services.
Boston Driver Profile
To assess the best and most affordable auto insurance options for Boston residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Boston
In assessing the car insurance quotes for Boston, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Massachusetts's mandated liability insurance parameters:
The minimum coverage requirements in Massachusetts are:
- $20,000 for bodily injury liability per person.
- $40,000 for bodily injury liability per accident.
- $5,000 for property damage liability per accident.
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection (PIP) per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, affordability, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Massachusetts providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Boston
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Boston. For more details on how we conduct our research and analysis, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.