Best Cheap Auto Insurance in Boston, Massachusetts (2024)

GEICO, Allstate and USAA are the best car insurance companies in Boston, offering some of the cheapest rates and best coverage options.

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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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Daniel Roccato
Reviewed byDaniel Roccato
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  • 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 February 26, 2024 at 11:00 AM PST

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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]

Fortunately, while there’s plenty to worry about in Boston traffic, your car insurance doesn’t have to be one of those concerns. That’s because, on average, car insurance in Boston costs about $189 per month. Compare this to New York, where residents pay an average of more than $400 a month, and there’s plenty to like about the local average rates.

GEICO, USAA, and Allstate offer some of the cheapest car insurance in Boston, according to Insurify data. But drivers should compare car insurance quotes from multiple companies to find the best coverage at an affordable price.

Quick Facts
  • The statewide average for full-coverage car insurance in Massachusetts is $193 per month, and liability-only averages $97.

  • Massachusetts drivers must carry four types of auto insurance.

  • 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.

Whatever your needs, you can find the best insurer for you by obtaining quotes from several insurers and comparing the price as well as the coverage.

Here’s a brief look at three of the top insurers in Boston.

Best insurer for cheap coverage: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$119/mo

Owned by Warren Buffett’s Berkshire Hathaway, GEICO is the second-largest car insurance company in the U.S. Berkshire Hathaway purchased GEICO in 1996, six decades after it was founded. The company insures more than 27 million vehicles in all 50 states and the District of Columbia.

Pros
  • High IQ Score

  • High rating for user-based insurance[2]

  • 24/7 customer service

Cons
  • Accident forgiveness not available in Massachusetts

  • No gap insurance

  • Below-average score for satisfaction with auto claims[3]

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

Best insurer for military families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
884
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.
$46/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.
$100/mo

Founded in 1922, USAA caters to members and former members of the U.S. military, along with their spouses and children. USAA sells several types of insurance, including car insurance, and also offers banking services. It’s the country’s fifth-largest car insurance company.

Pros
  • High IQ Score

  • High customer satisfaction score[4]

  • Relatively low premiums

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

  • Limited customer service

  • No gap insurance

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
878
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.
$62/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.
$139/mo

Established in 1931 by executives at the Sears retail chain, Allstate is the fourth-largest car insurance company in the U.S. Aside from operating under the Allstate brand name, Allstate owns the insurance company National General. In addition to car insurance, Allstate sells products like life, health, cancer, and disability insurance.

Pros
  • Highest-rated car insurance company in New England

  • Above-average customer satisfaction with auto claims process[4]

  • Pay-per-mile coverage is available in Massachusetts

Cons
  • Cheaper options available in Boston

  • Below-average score for satisfaction with insurance shopping experience[3]

  • Rating of 1.3 out of 5 stars on Trustpilot[5]

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

Cheapest liability-only car insurance in Boston

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

Insurance CompanyAverage Monthly Quote
GEICO$36
USAA$36
Allstate$76
Travelers$84
Amica$109
Liberty Mutual$219
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

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.

Here you can see a list of average monthly quotes for full coverage in Boston.

Insurance CompanyAverage Monthly Quote
GEICO$55
USAA$55
Allstate$117
Travelers$125
Amica$170
Liberty Mutual$364
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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Car insurance requirements in Massachusetts

Your coverage must meet the following minimum requirements in Massachusetts:

  • 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/x/db598219e3/damage-from-aircraft.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.

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Cheapest car insurance for drivers with a speeding ticket

A speeding ticket will usually cause your car insurance rates to go up. However, you may be able to escape a rate hike if it’s your first offense. Here, you can see how a speeding ticket will affect your quotes in Boston.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only 
Allstate$148$97
Travelers$159$106
Amica$216$139
Liberty Mutual$463$278
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

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.[6] And some companies offer accident forgiveness coverage that ensures your rate won’t increase after a single accident.

Here, you can see the monthly quotes you can expect with an at-fault accident on your record.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only 
Allstate$138$90
Travelers$148$99
Amica$201$129
Liberty Mutual$430$258
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

While many states use the terms DUI (driving under the influence) or DWI (driving while intoxicated), in Massachusetts this violation is called an OUI (operating under the influence). 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.

The following table provides some insight into the monthly rates you can expect to receive with an OUI conviction on your record.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only 
Allstate$176$115
Travelers$189$126
Amica$257$165
Liberty Mutual$550$331
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

Seniors generally have the lowest car insurance rates of any age group. However, 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 75. In some states, though, insurers must give discounts to older drivers who complete a defensive driving course.

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

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only 
Allstate$69$45
Travelers$74$49
Amica$100$65
Liberty Mutual$215$129
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

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.[7]

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.

Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only 
Allstate$211$138
Travelers$227$151
Amica$308$198
Liberty Mutual$659$396
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.

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. However, 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.

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Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Is car insurance more expensive in Boston?

Compared with the rest of the state, car insurance is more expensive in Boston. Locally, full coverage costs about $260 a month on average, which is far higher than the $136 a month in Somerville and $227 a month in Worcester. The statewide average is $180 a month.

Boston’s average cost is closer to the national average, though — $253 a month. And it’s significantly cheaper than the rates paid in New York. The higher rates in Boston, compared to the rest of Massachusetts, are likely due to Boston’s role as a large city, where accidents are more common, and its higher cost of car repairs.

More cities in Massachusetts

Motorists in six other large cities in Massachusetts pay less for car insurance than they do in Boston, the state’s oldest and largest city. For example, motorists in nearby Quincy pay an average of 36% less for full-coverage car insurance than their Boston counterparts do.

CityAverage Monthly QuoteCompared to Boston
Lowell$188-26%
New Bedford$205-19%
Quincy$163-36%
Somerville$136-46%
Springfield$177-30%
Worcester$227-11%
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.

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 $117 per month. Full coverage costs an average of $260 per month. While this makes Boston the most expensive city 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 4.2, USAA a 4.3, and Allstate a 4.1. Lastly, each has been recognized for its customer satisfaction, mobile offerings, or financial stability.

  • Is car insurance more expensive in Boston?

    Car insurance is more expensive in Boston than in the rest of the state, according to Insurify data. However, it’s 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 those 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

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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 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.

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