Cheap Auto Insurance Quotes in Boston, MA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Boston isn’t just home to historic landmarks and diehard sports fans. It’s also one of the primary economic hubs in New England, with a burgeoning tech scene and some of the most prestigious universities in the world.

But before you “pahk the cah in Hahvahd Yahd,” you’ll want to make sure that car you’re driving is supported by a strong car insurance policy. Don’t worry: Boston is home to several top car insurance companies—and Insurify can help you quickly connect with them so that you can hit the roads of Beantown safely.

Car Insurance in Boston, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Boston, MA to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Boston, MA

Here are the cheapest carriers in Boston for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Boston, MA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Boston. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Boston, MA Driving Facts

Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

 Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:  

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.


Boston Car Insurance Rates by Driver Age

In Boston, there is a large drop-off in average premium rates as you gain more experience operating a vehicle. This is demonstrated by the fact that most teenage drivers can expect to pay $480, while those in their 30s pay only a third of that. The best averages come when you are a driver in your 50s or 60s as the numbers drop below $100. People who fall into those categories can expect to pay anywhere between $77 and $100 for auto insurance.

Driver's AgeAvg. Monthly Cost
Driving HistoryAvg. Monthly Cost
No Violation$151
Speeding Ticket$109
At-Fault Accident$97
Failure to Stop for Red Light / Stop SignN/A

Boston Car Insurance Rates by Driving and Accident History

Maintaining a clean driving record and staying accident-free have many benefits, including lower out-of-pocket costs for repairs, fewer tickets, and potentially lower average premium rates. In Boston, motorists who keep their driving record clean often find that their average premium is around $150. For those who have violations on their record, the good news is that depending on the severity, it might not affect you as much. For example, people with a small speeding violation still enjoy low average premium rates of $108.55.

Boston Car Insurance Rates by Credit Tier

Similar to other cities, Boston has several insurance companies that will look at your credit score to determine how much of a risk you are to insure. By maintaining an excellent rating, you have access to the best rates and should see an average premium around $155.19. As your credit score decreases, the price of your premium tends to increase. Drivers with an average credit rating can see average prices around $207.60.

Credit TieAvg. Monthly Cost

Boston, MA DMV Information

Boston’s main RMV is located in Haymarket Square at 136 Blackstone St., Boston, MA 02109. Open from 9 a.m. to 5 p.m. Monday through Friday, the Boston RMV has a strict no walk-ins policy, meaning you’ll need to schedule your appointment ahead of time.

Public Transportation in Boston, MA

One-third of Bostonians use public transportation to get to work, which is one of the highest public transit usages in the country. With Boston’s extensive transit system, it’s no wonder why. Additionally, the Amtrak rail that passes through Boston connects residents to other cities in the region. In short, many Bostonians get around town easily without owning a car.

Conclusion: How to get the best and cheapest car insurance in Boston, MA

Boston has been named the third most walkable city in the United States, but that doesn’t mean everyone’s getting around on foot. For those who are getting behind the wheel in Boston, they’ll want a good car insurance policy to get through the city’s narrow, historic streets. Get started finding great car insurance today with Insurify, your one-stop shop for car insurance quote comparison.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Boston stacks up for the state of Massachusetts:

Honda Accord
Most Popular Car in
Boston, MA
suspended licenses
Cities with Most
Suspended Licenses Rank

Green Driving in Boston, MA

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

A state resoundiingly committed to cleaner energy, Massachusetts has recently upheld laws designed to curtail carbon emissions from power plants. The state's Global Warming Solutions Act ushered in a new era of environmental laws and pollution control policies that hope to reduce greenhouse gas emissions by 80 percent by the year 2050. The state has also been investing in the offshore wind industry. The state of Massachusetts offers many green driver incentives, including federal tax credits, rebates, and discounts through some car insurance carriers.

Greenes Cities


Greenes Cities
% of Hybrids / Electrics

FAQs - Boston, MA Car Insurance

Do major insurance carriers have offices in Boston?

From industry giants like State Farm to homegrown favorites like Plymouth Rock Insurance, Bostonians have a great deal of options when it comes to car insurance.

Will my credit score affect my car insurance rates in Boston?

Massachusetts is one of three states that will not raise your insurance premiums based on your credit score—which is surely a relief for plenty of drivers in Boston who don’t want less-than-perfect credit to lead to high premiums.

Who offers the cheapest car insurance in my area?

To find the cheapest car insurance in Boston, you’ll want to use Insurify. Insurify makes it easy to compare quotes from a wide range of insurers side by side so that you can quickly find the best deal for you.