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Finding the cheapest car insurance quotes in South Boston shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 South Boston
The car insurance rate in South Boston is $2007 for a six-month policy, which is $475 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in South 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.
At $584 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 $685 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Safety
Safety offers auto insurance
rates at $871
for six months, making it
the third cheapest auto insurance company in South Boston.
South Boston Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Boston, MA is Safety Group, offering policies at just $584 for a six-month term. This is followed by Vermont Mutual, which has an average six-month premium of $685.
At the higher end of the spectrum, Amica Mutual is the most expensive, with rates reaching $6505 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Boston drivers find the best deals.
Way's key takeaways about car insurance in South Boston
The auto insurance costs in South Boston fall around $584 for six
months.
The cheapest auto insurance company in South Boston is State Farm.
Teen drivers pay the highest rate in South Boston at $1010 per
month.
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Cheapest Minimum Liability Car Insurance in South 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 South Boston are given below.
State Farm provides
the cheapest minimum car insurance
coverage in South Boston. Their Average 6 Month Premium is $132.
Allstate is the most
expensive at $599 for the same
period.
Cheapest Full Coverage Car Insurance in South 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 South Boston is Safety Group
at $97 per month and $584
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Boston,
MA
Get Your Car Insurance Quote in South Boston
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Average Car Insurance in South 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 South Boston, MA increasing?
Despite maintaining a clean driving record, your car insurance rates
in South 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, South 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 South 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
$470
30s
State Farm
$380
40s
State Farm
$380
50s
State Farm
$380
60s
State Farm
$335
70s
State Farm
$290
Cheapest Car Insurance Rates for Teen Drivers in
South 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 South Boston at $34
per
month. At $5937 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties State Farm is
the best choice for car
insurance in South Boston.
As young drivers face the highest rates in South Boston, State Farm
offers the cheapest auto insurance rates at $470 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.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in South Boston,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
South Boston is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Save up to $971/yr on car insurance rates in South Boston.
Car Insurance Rates with An Accident in South 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 South Boston, MA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Boston
The cheapest car insurance companies after an at-fault accident in
South Boston include American Family
and Safety Group, offering $320
and $358,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2676.
Here is a list of driving violations that can increase your car
insurance rates in South Boston MA. For example, the car
insurance in South Boston
after a DUI increases to $973 for a six
month policy. While the rate increases by $257 for a six-month policy in the case of
a speeding ticket.
South Boston auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1035
$173
One Med/PIP claim
$1035
$176
Not-at-fault accident
$1066
$178
One comp claim
$1066
$181
Two Med/PIP claims
$1066
$178
Two comp claims
$1104
$187
At-fault accident - less than $1000
$1144
$191
Child safety restraint
$1183
$202
Driving without lights
$1183
$197
Failure to wear a seat belt
$1199
$204
Cell phone violation
$1284
$214
Texting while driving
$1284
$219
Driving too slowly
$1292
$215
Failure to stop at a red light
$1292
$220
Failure to yield
$1292
$215
Following too closely
$1292
$220
Illegal turn
$1292
$215
Improper passing
$1292
$220
Speeding 11 - 15 MPH over limit
$1292
$215
Speeding 16 - 20 MPH over limit
$1292
$220
Speeding 6 - 10 MPH over limit
$1292
$215
Speeding in school zone
$1292
$220
Wrong way/wrong lane
$1292
$215
In 65 MPH zone
$1300
$221
Speeding 21 - 25 MPH over limit
$1300
$216
Operating a vehicle without permission
$1307
$223
Passing school bus
$1362
$227
At-fault accident - $1000-$2000
$1603
$272
Failure to show documents
$1634
$272
At-fault accident - greater than $2000
$1641
$279
Driving with expired registration
$1649
$275
Open container
$1744
$296
Reckless driving
$1882
$314
Refusal to submit to a chemical test
$1922
$326
Driving with a suspended license
$2000
$333
Racing
$2000
$341
DUI
$2008
$334
Leaving scene of an accident/hit and run
$2031
$346
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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 South 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 South Boston.
The cheapest car insurance premiums in
South Boston are
offered by American Family at $389 for a six-month policy.
However, it can be as
expensive as $3322 with companies
like Allstate.
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 South Boston are offered by State Farm
at $172. However,
it can be as expensive as $2046
with companies like Travelers for a similar
six-month premium.
Cheapest Car Insurance in South Boston after Speeding ticket
Car Insurance Price Trends in South Boston,
Massachusetts
Car insurance rates in South Boston have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Boston remained steady at $286 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the South Boston remained steady at $56 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in South 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
South Boston. At $4013 for a
six-month policy, insuring
your car at 2127 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in South Boston?
The car insurance in South Boston is $22 per month, which is lower than the national average.
What is the cheapest car insurance in South Boston?
The cheapest car insurance in South Boston
is $97 per month
for full coverage.
How much is car insurance in South Boston for teenagers?
Car insurance for teenagers costs $202 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
South Boston?
The average cost of car insurance is $1532 for a six-month
policy. It will cost around $338 per month to insure your
car in South Boston.
Is car insurance expensive in South Boston?
Car insurance can be expensive in South Boston if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Boston can be
affordable.
What is the best car insurance in South Boston,
MA?
The best car insurance company in South Boston
MA is
Safety Group, offering $584 for a
six-month policy.
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South Boston Car Insurance
