Cheapest Auto Insurance in Boston, Massachusetts (2024)

Safeco offers the cheapest car insurance in Boston, with minimum-coverage policies as low as $58 per month.

John Egan
Written byJohn Egan
John Egan
John Egan
  • 20+ years in insurance and personal finance content creation

  • Contributor to top brands like USA Today

John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Daniel Roccato
Reviewed byDaniel Roccato
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  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated December 19, 2024

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Cheapest recent rates near Boston, Massachusetts

Drivers using Insurify have found quotes as cheap as $67/mo for liability only and $113/mo for full coverage in Boston and other Massachusetts cities.

*Quotes generated for Insurify users in and around Boston, Massachusetts within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Boston, Massachusetts within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rush hour in Boston can be a headache, and that’s without taking into account some of the region’s frustrating rotaries. In 2022, traffic navigation company TomTom parked Boston at fourth on its list of the worst U.S. metro areas for the amount of time that drivers waste in traffic.[1]

While there’s plenty to worry about in Boston traffic, your car insurance doesn’t have to be one of those concerns. Boston drivers pay an overall average of $114 per month for car insurance, which is lower than the national monthly average of $153.

But drivers should compare car insurance quotes from multiple companies to find the best coverage at an affordable price.

Quick Facts
  • Safeco and Liberty Mutual are the cheapest car insurance companies in Boston.

  • Full-coverage insurance in Boston costs an average of $133 per month, and liability-only coverage averages $96 per month.

  • The percentage of fault in a Massachusetts accident determines if a driver is at fault.

Best car insurance companies in Boston

The best car insurance company for you is the one that meets your unique needs. For instance, it might be the one that offers the best rates for your teen driver. Or it might supply discounts that other insurance companies don’t offer.

The three insurance companies below are a great place to start your search.

Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
GEICO9.0$118$54Cheap rates
USAA9.4$99$45Military families
Allstate8.9$133$61Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: GEICO

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$118/mo
4.0
Best choiceBased on 10,464 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,755)

Dianna

December 19, 2024

Verified Review

Roadside Assistance

When I needed emergency services on the road, they wanted me to go online. That was not possible at the time and they were not helpful.

Alan

December 18, 2024

Verified Review

Satisfied but too expensive

My experience with GEICO was good. They offer great coverage for the price and I'd recommend them to a friend. However, they are a bit more pricey but provide great services all the way around.

Samol

December 18, 2024

Verified Review

Geico is Good Insurance

It's excellent, but after a few accidents, the rates are creeping upwards.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is one of the largest insurance companies in the U.S. by market share, and it also offers low rates for Boston drivers. You can personalize your car insurance policy to meet your needs, and many optional coverages are available, including emergency road service, rental reimbursement, and mechanical breakdown insurance.

Pros
  • Some of the lowest rates in Boston

  • A++ (Superior) financial strength rating from AM Best

  • Above-average J.D. Power customer satisfaction rating in New England

Cons
  • Accident forgiveness not available in Massachusetts

  • Doesn’t offer gap insurance

  • Below-average J.D. Power claims satisfaction rating

Best insurer for military families: USAA

User Reviews
4.9
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$99/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)

Arlington

December 18, 2024

Verified Review

Mediocre

It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.

Peter

December 18, 2024

Verified Review

Not Happy with USAA

They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.

Donna

December 17, 2024

Verified Review

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.

I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
See all USAA reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

USAA could be a good choice for the more than 277,000 veterans living in Massachusetts. The insurer works exclusively with active-duty military members, veterans, and their family members. It offers competitive rates and special discounts for military members, including up to 15% for garaging your car on base.

Pros
  • Relatively low rates in Boston

  • A++ (Superior) financial strength rating from AM Best

  • J.D. Power consistently rates it highly for customer and claims satisfaction

Cons
  • Available only to active-duty military, veterans, and their immediate families

  • Limited customer service

  • No gap insurance

Best insurer for discounts: Allstate

User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$133/mo
4.0
Best choiceBased on 5,747 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,131)

Edward

December 19, 2024

Verified Review

A Company with Many Years of Experience

Allstate has been good for me for many years with mediocre pricing.

Barbara

December 18, 2024

Verified Review

Allstate? Ugh!

Clearly, it's not good, or else why would I be shopping for a new policy.

Steven

December 18, 2024

Verified Review

Overpriced

Expensive.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
878
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Boston drivers who want to save on their car insurance policy should look to Allstate, which offers numerous discounts. You could be eligible for a discount if you bundle multiple policies, install safety features in your car, pay your premiums in full, drive a new car, and more.

Pros
  • Above-average J.D. Power customer satisfaction rating in New England

  • Many available discounts to help you save

  • Pay-per-mile insurance available in Massachusetts

Cons
  • May not have the cheapest rates in Boston

  • Below-average J.D. Power claims satisfaction rating in New England

  • Negative customer reviews on Trustpilot

How to get the cheapest car insurance in Boston

The price you pay for car insurance is a result of many factors, including your driving record, age, gender, location, the kind of car you drive, and more. Fortunately, you can save on your car insurance in many ways as well.

To find the cheapest car insurance in Boston:

  • Shop around. Obtaining quotes from at least three different companies puts you in a better position to find the right policy for you.

  • Check out discounts. You may be able to score a discount if you pay for a year’s worth of coverage up front, buy car insurance and homeowners insurance from the same company, or maintain a clean driving record.

  • Raise your deductible. Increasing your deductible should lower your premium. But it also means you’ll pay more out of pocket when you file a claim.

  • Complete a defensive driving course. Some insurers will reduce your premium if you graduate from a course that teaches you how to drive defensively.

Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Find Car Insurance in Boston

Minimum coverage starts as low as $95/mo.

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
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Cheapest liability-only car insurance in Boston: Safeco

Massachusetts requires drivers to carry liability coverage. This includes bodily injury to others, bodily injury caused by an uninsured auto, and property damage.

Overall, liability coverage pays for other peoples’ medical expenses and damage you cause in a car accident. It doesn’t cover damage to your car or injuries suffered by you or your passengers.

Because of its limited coverage, you’ll generally find liability-only coverage rates to be far less expensive. Liability insurance costs an average of $96 per month in Boston.

Here, you can see average monthly quotes from several top insurers in Boston.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Safeco$95
Liberty Mutual$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Boston: Safeco

Full-coverage car insurance can provide more financial peace of mind than liability-only coverage. While liability coverage applies to just the damage you cause to other peoples’ property or bodily injuries you cause, full-coverage car insurance includes liability coverage and also covers damage to your own car and passengers.

Boston drivers pay an average of $133 per month for full-coverage insurance. In the table below, you can see a list of average monthly quotes for full coverage in Boston.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
Safeco$204
Liberty Mutual$245
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Boston, Massachusetts

Drivers using Insurify have found quotes as cheap as $67/mo for liability only and $113/mo for full coverage in Boston and other Massachusetts cities.

*Quotes generated for Insurify users in and around Boston, Massachusetts within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Boston, Massachusetts within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Massachusetts

Your coverage must meet the following minimum requirements in Massachusetts:[2]

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Bodily injury liability

    • $20,000 per person

    • $40,000 per accident

  • illustration card https://a.storyblok.com/f/162273/150x150/d7333ddf2e/car-and-driving-96x96-orange_046-car-accident.svg

    Property damage liability

    • $5,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Personal injury protection (PIP)

    • $8,000 per person, per accident

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Bodily injury caused by uninsured motorist

    • $20,000 per person

    • $40,000 per accident

Kristen Gryglik, senior sales representative at Comparion Insurance Agency in Boston, cautions that meeting only the state’s minimum requirements for liability coverage might be inadequate. “Insurers recommend higher limits to bulk up coverage in case you’re involved in a serious crash,” she says.

For example, if you cause a crash that results in $30,000 of unpaid medical bills for the other driver, and you only have the state’s required $20,000 of bodily injury coverage, you could be on the hook for the remaining $10,000.

Good to Know

Optional coverage includes collision and comprehensive. If you finance or lease a car, the lender or leasing company might require you to purchase collision and comprehensive coverages, though.

Collision coverage pays for damage when your car hits an object, such as a telephone pole or a fence. Comprehensive coverage pays for damage to your car caused by something other than a collision. For instance, it covers run-ins with deer or the theft of an airbag.

Cheapest car insurance for drivers with an incident

In many cases, a car insurance company will raise your rates if you’ve been involved in some sort of traffic incident. This incident could be a speeding ticket, an at-fault accident, or being convicted of DUI.

In the sections that follow, you’ll see how each of these incidents can affect the rates you’ll pay for car insurance.

Find Cheap Car Insurance in Boston

Liability rates start at $58 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Safeco

A speeding ticket will usually cause your car insurance rates to go up. But you may be able to escape a rate hike if it’s your first offense.

Boston drivers with a speeding ticket pay a monthly average of $129 for liability insurance. Here, you can see how a speeding ticket will affect your quotes in Boston.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
Safeco$95$122
Liberty Mutual$138$188
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Safeco

An at-fault accident may trigger an increase in your car insurance premium. But in Massachusetts, you have the opportunity to appeal an at-fault determination.[3] And some companies offer accident forgiveness coverage that ensures your rate won’t increase after a single accident.

Liability policies cost $137 per month, on average, for drivers in Boston with an at-fault accident.

Here, you can see the monthly quotes for drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With At-Fault Accident
Safeco$95$128
Liberty Mutual$138$199
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Safeco

While many states use the terms DUI (driving under the influence) or DWI (driving while intoxicated), this violation is called an OUI (operating under the influence) in Massachusetts. Driving under the influence of alcohol or drugs is among the most serious incidents in the eyes of insurers. 

If you’re cited for OUI, your insurer will almost certainly raise your rates and may drop you altogether. If that weren’t enough, you might also face jail time, fines, and revocation of your driver’s license, as well as legal fees.

Boston drivers with an OUI pay monthly averages of $101 for liability coverage and $140 for full coverage.

The following table provides some insight into the monthly rates you might pay with an OUI conviction on your record.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With OUI
Safeco$95$113
Liberty Mutual$138$187
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Safeco

Seniors generally have the lowest car insurance rates of any age group. But because of their heightened risk of being involved in a car crash, motorists in their 70s and beyond might pay more for coverage. Drivers typically start noticing their rates going up around the time they turn 70. In some states, though, insurers must give discounts to older drivers who complete a defensive driving course.

Senior drivers in Boston pay an average of $73 per month for liability-only insurance.

Here, you can see how insurance quotes shift for older drivers.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Safeco$78$168
Liberty Mutual$111$197
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Safeco

Insurers typically charge higher premiums for young drivers because their inexperience makes them more likely to be involved in an accident. In fact, 16- to 19-year-olds run a greater risk of getting into a car crash than any other age group.[4]

Liability insurance costs $191 per month for teen drivers in Boston, and full coverage costs $264 per month.

To reduce the cost of car insurance for teens, parents can:

  • Keep a teen driver on their car insurance policy rather than have the teen maintain a separate policy.

  • Shop around for coverage, and obtain quotes from several insurers to find the best deal.

  • Look into good student discounts. Some insurers offer discounts, perhaps as high as 25%, for students who earn good grades.

  • Choose a vehicle that has good safety ratings and lower repair costs. For example, a mainstream sedan will likely be cheaper to insure than a luxury SUV.

The following table shows examples of monthly car insurance costs for Boston teens who obtain their own car insurance policies.

The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST
Insurance Company
Liability Only
Full Coverage
Safeco$195$418
Liberty Mutual$256$455
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Boston?

Car insurance in Boston is less expensive than statewide insurance costs. Full coverage costs about $133 per month in Boston, which is much lower than the statewide average of $226 per month.

Boston’s full-coverage cost is also significantly cheaper than the rates paid in New York.

More cities in Massachusetts

See how monthly liability and full-coverage rates compare in six other Massachusetts cities in the table below.

City
Average Quote: Liability Only
Average Quote: Full Coverage
Boston$96$133
Brockton$123$222
Cambridge$91$122
Fall River$131$146
New Bedford$119$152
Quincy$72$114
Somerville$103$117
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Boston car insurance FAQs

If you still have questions about car insurance in Boston, the answers presented below can help. Read on to find the information you need to make the best decision for you.

  • How much is car insurance in Boston?

    The average cost of liability-only car insurance in Boston is $96 per month. Full coverage costs an average of $133 per month. While this makes Boston an expensive city for car insurance in Massachusetts, Bostonians still pay lower car insurance rates than residents of New York.

  • What are the best car insurance companies in Boston?

    GEICO, USAA, and Allstate rank as the top insurers in Boston. All three offer rates below the average, with GEICO and USAA offering the lowest rates. Each insurer also boasts a commendable Insurify Quality Score, with GEICO scoring a 9.0, USAA a 9.4, and Allstate a 8.9. Lastly, each has been recognized for its customer satisfaction, mobile offerings, or financial stability.

  • Is car insurance more expensive in Boston?

    Car insurance is less expensive in Boston than in the rest of the state, according to Insurify data. It’s also cheaper than New York and several other major metro areas across the country.

  • Does Massachusetts let insurers use your credit score to set rates?

    No. Massachusetts forbids insurers from reviewing your credit scores before setting your rates. In states where this is legal, people with lower credit scores are likely to pay higher rates than people with higher credit scores.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. TomTom. "TomTom Traffic Index."
  2. Mass.gov. "Basics of Auto Insurance."
  3. Mass.gov. "Frequently Asked Questions About Appealing an Insurer's At-Fault Accident Determination."
  4. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
John Egan
John Egan

John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.

John has been a contributor at Insurify since October 2022.

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Ashley CoxSenior Managing Editor
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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