Cheapest Car Insurance Quotes in Boston

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Boston Car Insurance

^$ 21

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Boston

The car insurance rate in Boston is $1869 for a six-month policy, which is $337 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Boston can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Boston

$1869

Avg. Car Insurance in Massachusetts

$1532

National Average

$1140

Cheapest Car Insurance Companies in Boston

1st place: Safety Group

At $544 for a six month policy, Safety Group offers the cheapest auto insurance rates in the city.

2nd place: Vermont Mutual

Vermont Mutual offers auto insurance rates at $638 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Safety

Safety offers auto insurance rates at $811 for six months, making it the third cheapest auto insurance company in Boston.

Boston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Boston, MA is Safety Group, offering policies at just $544 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $638.

At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6059 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Boston drivers find the best deals.

Cheap Car Insurance Companies in Boston, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$544	$90
Vermont Mutual	$638	$109
Safety	$811	$135
American Family	$913	$154
Hanover	$1008	$170
Arbella	$1022	$173
State Farm	$1109	$187
Norfolk & Dedham	$1218	$207
Farmers	$1282	$214
Norfolk & Dedham Mutl Fire Ins	$1290	$220
Travelers	$1442	$240
Plymouth Rock	$1674	$282
Progressive	$2435	$410
USAA	$3254	$548
Allstate	$5225	$880
Amica Mutual	$6059	$1030

Key Takeaways

Way's key takeaways about car insurance in Boston

The auto insurance costs in Boston fall around $544 for six months.
The cheapest auto insurance company in Boston is State Farm.
Teen drivers pay the highest rate in Boston at $941 per month.

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Cheapest Minimum Liability Car Insurance in Boston

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Boston are given below.

State Farm provides the cheapest minimum car insurance coverage in Boston. Their Average 6 Month Premium is $123. Allstate is the most expensive at $558 for the same period.

Cheapest Liability Coverage in Boston, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$123	$21
Safety Group	$174	$29
Vermont Mutual	$182	$31
American Family	$217	$37
Hanover	$246	$41
Plymouth Rock	$268	$45
Amica Mutual	$290	$49
Chubb	$290	$49
USAA	$311	$52
Norfolk & Dedham Mutl Fire Ins	$318	$54
Farmers	$333	$56
Safety	$348	$59
Norfolk & Dedham	$355	$60
The Hanover	$355	$60
Amica	$362	$61
Arbella	$377	$65
Travelers	$399	$67
Progressive	$537	$90
Allstate	$558	$93

Cheapest Full Coverage Car Insurance in Boston

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Boston is Safety Group at $90 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Boston, MA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$544	$90
Vermont Mutual	$638	$109
Safety	$811	$135
American Family	$913	$154
Hanover	$1008	$170
Arbella	$1022	$173
State Farm	$1109	$187
Norfolk & Dedham	$1218	$207
Farmers	$1282	$214
Norfolk & Dedham Mutl Fire Ins	$1290	$220
Travelers	$1442	$240
Plymouth Rock	$1674	$282
Progressive	$2435	$410
USAA	$3254	$548
Allstate	$5225	$880
Amica Mutual	$6059	$1030

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Average Car Insurance in Boston by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Boston, MA increasing?

Despite maintaining a clean driving record, your car insurance rates in Boston, Massachusetts, may be increasing due to several external factors. Massachusetts has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Boston's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Boston

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	State Farm	$438
30s	State Farm	$354
40s	State Farm	$354
50s	State Farm	$354
60s	State Farm	$312
70s	State Farm	$270

Cheapest Car Insurance Rates for Teen Drivers in Boston,MA

If you are planning to get a car insurance policy for your teenage dependent, Safety Group provides the cheapest car insurance in the Boston at $32 per month. At $5529 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Safety Group	$188	$32
Vermont Mutual	$203	$34
Hanover	$232	$39
American Family	$254	$43
Safety	$326	$55
Farmers	$377	$65
State Farm	$544	$92
Plymouth Rock	$870	$146
USAA	$1333	$224
Amica Mutual	$2957	$503
Progressive	$3725	$621
Allstate	$5529	$941

Teen Car Insurance Rates in MA by Age

Way Tip

If you are in your twenties State Farm is the best choice for car insurance in Boston.

As young drivers face the highest rates in Boston, State Farm offers the cheapest auto insurance rates at $438 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Car Insurance Rates with An Accident in Boston

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Boston, MA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Boston

The cheapest car insurance companies after an at-fault accident in Boston include American Family and Safety Group, offering $298 and $333, respectively. Allstate is an expensive provider with an average six-month premium of $2492.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$298	$50
Safety Group	$333	$56
Vermont Mutual	$340	$57
State Farm	$362	$61
Norfolk & Dedham	$572	$95
The Hanover	$616	$105
Plymouth Rock	$666	$112
Arbella	$833	$140
Safety	$877	$148
USAA	$1015	$171
Travelers	$1348	$227
Hanover	$1370	$231
Progressive	$1543	$260
Amica Mutual	$1617	$275
Farmers	$2362	$394
Allstate	$2492	$423

Boston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Boston MA. For example, the car insurance in Boston after a DUI increases to $906 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Boston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$964	$161
One Med/PIP claim	$964	$163
Not-at-fault accident	$993	$166
One comp claim	$993	$168
Two Med/PIP claims	$993	$166
Two comp claims	$1028	$174
At-fault accident - less than $1000	$1065	$178
Child safety restraint	$1102	$188
Driving without lights	$1102	$183
Failure to wear a seat belt	$1116	$190
Cell phone violation	$1196	$199
Texting while driving	$1196	$204
Driving too slowly	$1203	$200
Failure to stop at a red light	$1203	$205
Failure to yield	$1203	$200
Following too closely	$1203	$205
Illegal turn	$1203	$200
Improper passing	$1203	$205
Speeding 11 - 15 MPH over limit	$1203	$200
Speeding 16 - 20 MPH over limit	$1203	$205
Speeding 6 - 10 MPH over limit	$1203	$200
Speeding in school zone	$1203	$205
Wrong way/wrong lane	$1203	$200
In 65 MPH zone	$1210	$206
Speeding 21 - 25 MPH over limit	$1210	$201
Operating a vehicle without permission	$1218	$207
Passing school bus	$1269	$211
At-fault accident - $1000-$2000	$1493	$254
Failure to show documents	$1521	$254
At-fault accident - greater than $2000	$1529	$260
Driving with expired registration	$1536	$256
Open container	$1624	$276
Reckless driving	$1753	$293
Refusal to submit to a chemical test	$1790	$304
Driving with a suspended license	$1863	$310
Racing	$1863	$317
DUI	$1870	$311
Leaving scene of an accident/hit and run	$1891	$322

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Boston after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Boston.

The cheapest car insurance premiums in Boston are offered by American Family at $362 for a six-month policy. However, it can be as expensive as $3094 with companies like Allstate.

Boston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$362	$61
Safety Group	$399	$68
Vermont Mutual	$414	$68
State Farm	$442	$74
Plymouth Rock	$804	$135
Progressive	$885	$149
Hanover	$1124	$189
Arbella	$1218	$205
USAA	$1725	$290
Safety	$1804	$306
Amica Mutual	$2109	$351
Travelers	$2211	$376
Farmers	$2739	$456
Allstate	$3094	$526

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Boston are offered by State Farm at $160. However, it can be as expensive as $1906 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Boston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$160	$27
Safety Group	$210	$35
Vermont Mutual	$239	$40
American Family	$298	$50
Plymouth Rock	$717	$121
Safety	$1015	$172
Arbella	$1022	$171
USAA	$1050	$178
Hanover	$1254	$211
Progressive	$1341	$228
Farmers	$1617	$270
Travelers	$1906	$325

Car Insurance Price Trends in Boston, Massachusetts

Car insurance rates in Boston have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Boston remained steady at $266 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Boston remained steady at $52 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Boston by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Boston. At $1906 for a six-month policy, insuring your car at 2210 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
2210	$1906	$321
2199	$1869	$314
2111	$1962	$330
2110	$1887	$317
2163	$1887	$317
2108	$1906	$321
2118	$2205	$371
2116	$2149	$361
2215	$2168	$365
2203	$1869	$314
2115	$2205	$371
2114	$2018	$339
2113	$1943	$327
2109	$1906	$321

Frequently Asked Questions

How much is car insurance in Boston?

The car insurance in Boston is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Boston?

The cheapest car insurance in Boston is $90 per month for full coverage.

How much is car insurance in Boston for teenagers?

Car insurance for teenagers costs $188 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Boston?

The average cost of car insurance is $1532 for a six-month policy. It will cost around $315 per month to insure your car in Boston.

Is car insurance expensive in Boston?

Car insurance can be expensive in Boston if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Boston can be affordable.

What is the best car insurance in Boston, MA?

The best car insurance company in Boston MA is Safety Group, offering $544 for a six-month policy.