Cheap Auto Insurance Quotes in Boston, MA (2023)

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.

• Travelers has the cheapest liability-only insurance coverage in Boston, at an average of $44 a month.

• Travelers also has the cheapest full-coverage insurance in Boston, at an average of $85 a month.

• Travelers has the cheapest insurance for new and young drivers in Boston, at an average of $89 a month.

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.

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.

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:

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:

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:

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:

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:

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:

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]

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:

Car insurance in other Massachusetts cities

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

• Cheapest Car Insurance Quotes in Haverhill, MA

• Cheapest Car Insurance Quotes in Cambridge, MA

• Cheapest Car Insurance Quotes in Lowell, MA

• Cheapest Car Insurance Quotes in Worcester, MA

• Cheapest Car Insurance Quotes in Springfield, MA

Find local Boston agents

Boston car insurance FAQs

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