Cheap Auto Insurance Quotes in Boston, MA (2023)

Travelers, Midvale Home & Auto, and Liberty Mutual offer the cheapest rates for full-coverage car insurance in Boston.

Amy Beardsley
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Amy Beardsley
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Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
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Amber Benka
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Reviewed by
Amber Benka
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Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.
Amy Beardsley
Written by
Amy Beardsley
Photo of an Insurify author
Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Courtney Mikulski
Edited by
Courtney Mikulski
Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka
Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated January 19, 2023

Why you can trust Insurify: As an independent agent and insurance comparison website, Insurify makes money through commissions from insurance companies. However, our expert insurance writers and editors operate independently of our insurance partners. Learn more.

Boston car insurance costs an average of $118 a month for minimum coverage, which is $57 less (32%) than Massachusetts’ average of $175.

An increase in statewide car crashes year-over-year since 2020 contributes to the high cost of insurance for Boston drivers.[1] Safe driving habits and understanding Boston car insurance companies can help you secure lower car insurance rates.

How much does car insurance cost in Boston?

The cost of car insurance in Boston can vary greatly. Getting quotes from various car insurance companies can help you find the best deal for your needs.

Insurify’s data scientists analyzed the latest auto insurance quotes in the city to find the lowest rates. Car insurance in Boston typically costs between $118 and $229, depending on whether you get liability-only or full-coverage car insurance.

Learn More: Cheap Car Insurance in Massachusetts

Cheapest car insurance in Boston: Travelers

Travelers ranks first for cheapest car insurance in Boston for most drivers. It scores the lowest premium amounts for liability-only ($44), full-coverage ($85), and young drivers ($89) policies. But how much you pay for Boston car insurance can vary by ZIP code.[2]

Other neighborhood differences can influence car insurance rates. “Some factors that impact car insurance in Boston include weather conditions, demographics of the residents, and the types and qualities of vehicles,” says Mark Stewart, a CPA in Cambridge, Massachusetts.

Insurance CompanyLiability OnlyFull Coverage
Travelers$44$85
Midvale Home & Auto$73$165
Liberty Mutual$139$313
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.

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Average cost of auto insurance in Boston

Boston car insurance typically averages between $118 a month for liability-only coverage and $229 a month for full-coverage policies, depending on your age and other risk factors.[2] Travelers offers the cheapest monthly rate, at $64, while Midvale Home & Auto and Liberty Mutual charge significantly higher premiums on average.

Insurance CompanyAverage Monthly Quote
Travelers$64
Midvale Home & Auto$119
Liberty Mutual$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Average car insurance premiums in Boston by marital status

In Boston, the average monthly premium of a single driver is $198, while a married driver may only pay slightly less on average, at $188 a month. Married couples who insure multiple cars may be eligible for multi-car discounts and may benefit from their spouse’s credit score and driving record.

How much car insurance do you need in Boston?

Your circumstances play a role in determining how much car insurance you need. However, state law requires your coverage level to meet minimum standards:

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

  • $5,000 per accident for property damage liability

  • $8,999 per accident for personal injury protection (PIP)

  • $20,000 per person and $40,000 per accident for uninsured/underinsured motorist bodily injury[3]

It’s important to note that these minimum requirements may not be enough protection. Many experts, including the Insurance Information Institute, recommend purchasing higher limits for liability coverage and other types of coverage, like collision and comprehensive coverage.[4]

Keep your proof of insurance in an easy-to-find location in your vehicle. You’ll need to show it when you register your vehicle or renew your registration, if a law enforcement officer pulls you over, or if you’re in a car accident.

Massachusetts DMV information

The Massachusetts Registry of Motor Vehicles (RMV) offers a variety of services both in person and online. You can renew or cancel vehicle registration, renew a driver’s license, pay citations or parking tickets, change an address, and check your registration status. The RMV also lets you schedule a road test if you’re a new or potential driver and want to get your license.

Tips for getting cheap car insurance in Boston

Massachusetts is among the top 20 most-affordable states for car insurance, according to Insurify data. Still, you have options to lower your rates and get cheaper insurance with a few simple tips. If you rent or own a home, ask about bundling discounts to combine your auto policy with renters or homeowners insurance in Boston.[5]

Maintaining a good driving record and credit score can lower your rates. You can also raise your deductible — you’ll pay more out of pocket if you file a claim, but you’ll pay less for monthly premiums.

When looking for the best car insurance rates, compare quotes from multiple companies. Shopping around allows you to compare coverage options and prices to make an informed decision. It’s a good idea to compare quotes at least once a year to ensure you’re getting the best rate for your coverage needs.

Check Out: Compare Home and Auto Insurance Bundles

How age affects car insurance rates in Boston

Insurers consider age to be a measure of driving experience and accident risk. Generally, insurance companies consider younger drivers higher-risk and may charge them higher premiums.[2] Here’s how a driver’s age can affect average monthly rates:

Age GroupAverage Monthly Quote
Teenagers$466
Younger than 25$319
25–29$192
30s$174
40s$108
50s$205
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

See Also: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Boston

Young drivers can typically find the cheapest rate with Travelers, at an average rate of $89 per month for a full-coverage policy. To save money on premiums, young drivers can ask about good student discounts, take a defensive driving course, and maintain a clean driving record.

The table below shows the average quotes for teen drivers in Boston, Massachusetts:

Insurance CompanyAverage Monthly Quote
Travelers$89
Midvale Home & Auto$137
Liberty Mutual$216
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 middle-aged drivers in Boston

Travelers offers the cheapest premiums for middle-aged drivers, with the average full-coverage policy cost of $81 per month. If you fall into this age category, consider bundling car insurance policies to qualify for multi-policy discounts. You can also maintain a safe driving record and sign up for automatic payments to lower costs.[6] Here’s how much you can expect to pay for car insurance on average if you’re a middle-aged driver in Boston:

Insurance CompanyAverage Monthly Quote
Travelers$81
Midvale Home & Auto$181
Liberty Mutual$367
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 senior drivers in Boston

Senior drivers may start to see their rates go up with age. The fatal crash rate for older drivers is higher than for middle-aged drivers, even though many older drivers limit their driving.[7] To save on premiums, take a defensive driving course and ask about pay-per-mile car insurance if you don’t drive a lot.

How credit scores affect cheap car insurance in Boston

It’s illegal for auto insurance companies in Massachusetts to use credit information or credit-based insurance scores when setting rates, underwriting new policies, and renewing existing policies.[8]

Still, a correlation exists between full-coverage premiums and credit scores — Massachusetts drivers with higher credit ratings tend to pay less for car insurance. A good credit score ranges from 670 and 739 on the FICO Score range (661 to 780 for VantageScore), according to Experian.[9]

Here’s how credit scores may affect car insurance rates in Boston:

Credit TierAverage Monthly Quote
Excellent$194
Good$229
Fair$251
Poor$389
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Read More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Boston

Car insurance companies also consider driving habits when determining rates. Rates are generally higher for drivers who have a history of reckless behavior. Driving distance and frequency also play a role in premiums, as people who drive more often or for longer distances are more likely to get into an accident.

Check Out: Cheapest Car Insurance by Driving Record

Cheapest car insurance with a clean record in Boston: Travelers

Insurance is all about risk. The lower your risk, the lower your premiums. Maintaining a clean driving record shows insurance companies that you’re at a low risk of filing a claim, and they may offer you lower rates.[2]

Here are the average rates you can expect to see as a driver with a clean record in Boston:

Insurance CompanyClean Record
Travelers$85
Midvale Home & Auto$165
Liberty Mutual$313
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 with an accident in Boston: Travelers

Insurance companies may view drivers involved in at-fault accidents as higher-risk drivers and increase their policy rates accordingly.[10] Depending on the company and the severity of the accident, the rate increase may vary.

Here’s how much rates may increase on average for drivers with at-fault accidents on their record in Boston:

Insurance CompanyClean RecordAt-Fault AccidentDifference
Travelers$85$121$36
Midvale Home & Auto$165$237$72
Liberty Mutual$313$449$136
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 with a DUI in Boston: Travelers

Having a DUI, or driving under the influence conviction, on your record can severely impact how much you pay for car insurance. It could cause a significant hike in car insurance premiums, but it generally depends on the insurance company.[10]

Insurance CompanyClean RecordDUIDifference
Travelers$85$168$83
Midvale Home & Auto$165$329$164
Liberty Mutual$313$623$310
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 with a speeding ticket in Boston: Travelers

Traffic violations like speeding tickets can cause your premiums to increase in Massachusetts.[3] Because insurers see speeding as risky behavior, they may set higher rates to offset your risk.[2] Travelers offers the cheapest car insurance in Boston for drivers with speeding tickets, at an average of $114 a month.

Here’s how speeding tickets can affect your rates in Boston:

Insurance CompanyClean RecordSpeeding TicketDifference
Travelers$85$114$29
Midvale Home & Auto$165$222$57
Liberty Mutual$313$420$107
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.

Car insurance in other Massachusetts cities

Here’s a look at car insurance rates in some other Massachusetts cities:

Find local Boston agents

  • Inland Underwriters Insurance Agency

    One 13th St,
    Boston, MA 02129
  • Knapp Schenck & Company Insurance Agency, Inc.

    One India Street,
    Boston, MA 02109
  • Simply Business, Inc.

    1 Beacon St 15th Floor,
    Boston, MA 02108
  • J J Bodner Ins. Agency Of Boston Inc.

    8 Clarendon St,
    Boston, MA 02116
  • Chan Insurance Agency Inc.

    220 Harrison Avenue,
    Boston, MA 02111
  • Richard Soo Hoo Insurance Agency

    123 Beach St,
    Boston, MA 02111
  • Elements Insurance LLC

    131 Dartmouth St 3rd Floor,
    Boston, MA 02116
  • Beecher Carlson Insurance

    75 State Street,
    Ste. 1710, Boston, MA 02109
  • A A Dority Company

    262 Washington Street,
    Boston, MA 02108
  • A-Affordable Insurance Agency

    55 Union Street,
    Boston, MA 02108
View more

Boston car insurance FAQs

Here are answers to some commonly asked questions about car insurance in Boston.

  • Boston drivers pay an average monthly premium of $118 — that’s $57 less (32%) than the state average of $175. The rate is also $98 less than the national average cost of car insurance.

  • The average cost of car insurance in Boston is $118 per month. The national average for drivers in the U.S. is $216, meaning Boston drivers pay $98 less. Massachusetts is one of only 12 states with a no-fault system.[11] The state’s no-fault status and requiring uninsured motorist insurance may contribute to lower premiums.

  • Travelers earns top marks for offering the cheapest car insurance in the Boston area for young and middle-aged drivers. It also has the cheapest rates for liability-only and full-coverage policies.

  • Before registering a vehicle in Massachusetts, you must have proof of identity. If you don’t have a valid driver’s license, you can provide a passport, Social Security card, birth certificate, or other proof of lawful presence.[12] You may be able to get car insurance without a license if someone else drives your vehicle. However, it’s illegal to drive without a valid license.

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  • Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.

Sources

  1. Massachusetts Department of Transportation. "IMPACT data." Accessed January 17, 2023
  2. III. "What determines the price of an auto insurance policy?." Accessed January 17, 2023
  3. Massachusetts Division of Insurance. "Basics of Auto Insurance." Accessed January 17, 2023
  4. III. "8 questions to ask before buying auto insurance." Accessed January 17, 2023
  5. III. "Auto insurance for teen drivers." Accessed January 17, 2023
  6. III. "Nine ways to lower your auto insurance costs." Accessed January 17, 2023
  7. Insurance Institute for Highway Safety. "Older drivers." Accessed January 17, 2023
  8. Experian. "Which States Prohibit or Restrict the Use of Credit-Based Insurance Scores?." Accessed January 17, 2023
  9. Experian. "What Is a Good Credit Score?." Accessed January 17, 2023
  10. III. "Do auto insurance premiums go up after a claim?." Accessed January 17, 2023
  11. III. "Background on: No-fault auto insurance." Accessed January 17, 2023
  12. Massa. "Identity requirements for vehicle registration." Accessed January 17, 2023
Amy Beardsley
Written by
Amy Beardsley
Linkedin

Insurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Learn More
Courtney Mikulski
Edited by
Courtney Mikulski

Senior Editor

Courtney Mikulski
Edited by
Courtney Mikulski
Senior Editor
Courtney Mikulski is a Senior Editor at Insurify with more than three years editing and producing personal finance content. She's experienced with insurance, credit cards, consumer lending, and banking products. Courtney works to provide easy-to-understand and actionable advice to readers looking for their next insurance provider. Her previous work with Bankrate, Reviews.com, and The Simple Dollar, helped readers make smarter financial decisions. When Courtney isn't working, you can find her hanging out with her cat or on a bike ride with her husband. She earned a bachelor's degree in journalism at Ohio University in Athens, Ohio. 
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.