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How much Does Car Insurance Cost in Boston?

Car insurance in Boston costs an average of $1779 per year. This is more expensive than the average in Massachusetts ($1233) and the national average of $1557.

Continue reading to determine how much you may anticipate paying in Boston according to your marital status, age, credit score, and other characteristics.

Boston Average (yearly) Massachusetts Average National Average
$1779 $1233 $1557

Boston Auto Insurance Premiums By Company

The best way to save money on auto insurance is to compare quotes from as many companies as possible before choosing the one that offers the best deal. The best affordable car insurance companies in Boston are listed below. Remember to get car insurance rates tailored to your specific driving profile.

Insurer Average Yearly Rate
Safety $1368
Plymouth Rock $1395
Arbella $1755
Metropolitan $1836

Boston Auto Insurance Premiums By Age Group

Drivers in their 60s pay the least for auto insurance in Boston, with an average of $1509. Celebrating your 20th birthday is one of the most effective strategies to earn lower auto insurance premiums as a driver in Boston. Drivers in the age group of the 30s pay $1728 annually which is the lowest in all age groups.

Age tier Average Yearly Rate
20s $2322
30s $1728
60s $1509

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Boston Auto Insurance Premiums By Marital Status

A driver's marital status may impact the car insurance rates they pay in some situations. In many places, married drivers pay less for car insurance than single drivers. Rates for widowed people are likewise significantly lower than for single people. Interestingly enough, widower drivers in Boston pay less than single drivers.

Marital Status Average Annual Rate
Single $1764
Married $1764
Divorced $1764
Widowed $1764

Boston Auto Insurance Premiums By Gender

Another element that influences auto insurance premiums is gender. Male drivers in Boston pay $0 more for car insurance per year than female drivers.

Gender Average Annual Rate
Female $1779
Male $1779

Boston Auto Insurance Premiums By Driving Record

Maintaining a clean driving record is a great strategy to keep your auto insurance rates low no matter where you live. Insurance rate increases can be triggered by speeding tickets, reckless driving fines, DUIs and DWIs, and at-fault accidents.

DUI and reckless driving are two of the most expensive citations to receive. Compared to the citywide average, careless drivers in Boston face an increase in insurance rates of $1,493 per year.

Incident/Violation Average Yearly Rate
DUI/DWI $3129
Reckless Driving $3267
At-fault Accident $2967
Speeding Ticket $2337

Boston Auto Insurance Premiums By Credit Rating

Another important component in insurance rating is the credit score. Car insurance is often more expensive for drivers with poor credit than those with excellent credit. Drivers in Boston who raise their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save up to 0% on their vehicle insurance.

Moving from "Very Poor" to "Fair" credit is a significant step toward lower auto insurance premiums. Improving your credit to "Fair" in Boston could result in a $0 reduction in annual insurance premiums.

Credit Score Average Yearly Rate
Very Poor $1779
Fair $1779
Good $1779
Very Good $1779
Exceptional $1779

Boston Auto Insurance Premiums By Zip Code

The location of your home in Boston might significantly impact the cost of your motor insurance. Because of car thefts, the number of accidents, and more, the ZIP code matters.

Your auto insurance prices are affected by where you reside in Boston. Aside from your driving record and credit score, where you live is one of the most important factors determining your vehicle insurance premiums.

Why is that?

Theft, crime, and uninsured drivers differ by ZIP code. If you live in an area where people don't get along, car insurance companies may consider you a high risk to cover, which means your premiums may be higher than those of a neighbor down the street.

Boston, regrettably, is no exception to the rule.

Zip Code Annual Premiums
2115 $1065
2116 $1065
2118 $1065
2127 $1137
2128 $1284

What would increase your Car Insurance Rate in Boston?

Many drivers can attest that auto insurance costs typically rise year after year. However, car insurance is complicated: the reasons for rate increases and decreases vary, and trends alter depending on the driver's location.

Insurance firms consider geographic location one of the key rating elements for determining premiums. The location and state influence auto insurance premiums in where a car is stored and driven, state regulations, and the different degrees of risk of insuring cars in different parts of the country.

Annual rate trends differ by the state due to the dynamic nature of car insurance pricing. Annual auto insurance premiums in one state may be increasing while rates in another state are decreasing.

Auto Theft Statistics in Boston

The 2020 pandemic has had a significant impact on society. In Boston alone, there has been a lot of disenfranchised youth that are unemployed, and outreach programs were shut down or limited due to COVID. A car is a second-biggest expense following a home. So it has seen a steady rise in theft.

From the beginning of 2022 to date about 1308 cars have been stolen.

Accidents Statistics in Boston

Boston drivers have a reputation for being irresponsible and prone to accidents. Boston has one of the highest car accident rates in the country and some of the most dangerous drivers.

Boston has the second-highest accident rate of all American cities and the highest accident rate of any city with a population of one million. Boston drivers are involved in auto accidents once every 4.4 years, making them 129.9% more likely than typical drivers to be involved in an accident.

Be Prepared for Driving in Boston

Boston has its fair share of perplexing traffic situations. However, you can navigate Boston's streets like a local with a little technical preparation.

Streets of Boston are Perplexing

Boston has had almost no city planning since it grew from a small colonial hamlet to a thriving metropolis. One-way streets require U-turns, and unusual road forks suggest that a decent GPS program will be your best ally. Download the Boston map and save all of your favorite spots to your smartphone, and don't forget to bring a phone charger with you: GPS consumes a lot of battery power. Therefore a dead phone is useless to a lost driver!

Learn How to Use Rotaries to Your Advantage

The rotaries in Boston are one of the most common ways to control traffic flow. Keep in mind that the person already in the rotary always has the right-of-way when driving around Boston, and be ready to hit the gas when it's your turn to enter, and you'll have mastered the art of rotary driving in no time.

Bostonians Take Getting Around Seriously

Driving in Boston necessitates being on top of your game and a little aggressive in your driving judgments. If you speed swiftly when leaving a green light, you'll avoid the fury of the honking car behind you. Unfortunately, this metropolis has no room for lazy Sunday drivers.

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Be Ready for any Weather

As a port city in the northeast, Boston will expose you to all types of weather. Therefore, you must be prepared to drive in any of them. Consider taking public transportation if the weather is poor, or drive gently and defensively if you must.

Keep an eye out for Pedestrians and Bikes

Because Boston is such a walkable city, and many people take advantage of it and go for a stroll. However, because jaywalking is a long-standing habit in Bean Town, keep an eye out for pedestrians who shouldn't be there. Bicyclists often participate in the city's chaotic "driving" culture, so expect them to merge with traffic the way cars do. Nevertheless, Boston is an excellent option if you feel daring because it's quite flat.

Car Insurance Companies in Boston

These are the top car insurance companies operating in Boston:

Car Insurance Companies
Plymouth Rock

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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


How much is car insurance in Boston?

Car insurance in Boston costs an average of $1779 per year. This is more expensive than the average in Massachusetts ($1233) and the national average of $1557.

How to get insurance on a new car in Boston?

Get online and look for car insurance near me. The website will direct you to various car insurance companies that offer insurance near you. You will need to enter your personal details to get the car insurance quotes that match your needs.

How much does it cost for rental car insurance in Boston?

The rental car insurance in Boston will depend on the car insurance companies. There is no single blanket rate for rental insurance in Boston.

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Learn more by city and state for car insurance

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