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Get Cheap Car Insurance in Boston, MA

We monitor insurance prices, helping the average driver in the Boston area save up to 35.5% on car insurance.

 

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The Cheapest Minimum Coverage in Boston

The chart below shows the cheapest car insurance company in Boston for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Kemper, followed by State Farm, Geico, and Midvale Home & Auto.

 
Boston Insurer Monthly Cost
Kemper $46
State Farm $48
Geico $48
Midvale Home & Auto $52

Savings for Every Kind of Boston Driver

The table shows how much the average auto insurance customer in Boston might save by following our recommendations.

Based on our extensive insurance data, we know the average Boston driver will save about 34% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, and age. The average driver will find themselves saving $607 per year by choosing the right vehicle insurance company. Some Boston residents are paying out over $1,775 extra every year for auto insurance in Boston. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Boston, MA Savings / Yr.
Drivers with good records
$607
Drivers with accidents
$903
Drivers with speeding tickets
$751
Drivers with a DUI conviction
$996
Young drivers
$2,197
Married drivers
$0
Drivers with bad credit
$0

Boston Car Insurance vs. Massachusetts

People living in Boston pay an average of 14.27% more than the typical driver in the state. The average driver in Boston can expect to pay about $762 per year, or $1,775 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Boston for most people.

Car Insurance Prices by Boston Neighborhood

Boston, MA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Boston?

The map shows insurance prices in and around Boston, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $854 per year within the city boundaries, with insurance premiums ranging from a high of $2,495 to a low of $1,641. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Boston.

Pick the Best Car Insurance Company for You in Boston

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Boston insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Boston

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $607 over the average Boston car insurance company.

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We use the average good driver, paying $97 per month, as our baseline for pricing in Boston. State Farm, Geico, and Safety Insurance are all good choices for quotes if you have a clean record.

The best car insurance provider for Boston drivers with accidents on their records

In Boston getting into an accident will raise premiums an average 32% for a yearly cost of $2,605. That's $831 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Safety Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $903 over the competition.

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The best car insurance company for Boston drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $751 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Boston, tickets raise premiums on new quotes about $326. If you have a speeding ticket, we recommend State Farm, Geico, and Safety Insurance for savings that beat the average insurance cost of $2,100 per year.

The best auto insurance for Boston drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,954 per year in auto insurance premiums, which was $1,179 more than a driver with no major issues. State Farm, Geico, and Progressive penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $996 less each year.

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The least expensive car insurance company for new and young drivers in Boston

In Boston, State Farm costs young drivers $2,197 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Boston. With an average cost of $6,192 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Plymouth Rock Assurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Boston

The state of Massachusetts does not allow marriage discounts, so the prices are unchanged if you are married

The cheapest car insurance in Boston for drivers with bad credit

The state of Massachusetts does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Boston car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Boston, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Boston.

Nationwide was the best company for customer service in Boston according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Boston, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Boston. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Boston

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 37% of Boston residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Boston driver can expect to pay about $72 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Boston, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, good drivers, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Boston

What Influences the Cost of Car Insurance in Boston?

On average, car insurance in Boston is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in the Boston area is 39 minutes, which is a little more than average for a driver in the state.
  • Massachusetts state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Boston is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Boston is $64 per month for minimum coverage and $148 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Boston driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Boston with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.