Cheapest Car Insurance in Boston, MA (2025)

Boston drivers pay an average of $600 per year for minimum coverage and $1,356 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: Plymouth Rock Insurance has Boston's cheapest minimum coverage at $306 per year ($26 monthly). That's 49% lower than the city average of $600, saving you $294 annually. GEICO ranks second for minimum coverage at $444 per year ($37 monthly), a 26% savings compared to the city average.
• Cheapest full coverage: Plymouth Rock Insurance offers the lowest full coverage at $926 per year ($77 monthly), 31% below the city average of $1,356. That's $430 in annual savings. GEICO's full coverage costs $963 per year ($80 monthly), still 28% below the city average but $37 more than Plymouth Rock Insurance annually.

Young drivers in Boston have the highest car insurance rates, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Boston by age group:

• Adults: Plymouth Rock leads at $25 monthly, followed by GEICO at $37
• Seniors: Safety offers the lowest rates at $37 monthly, tied with Norfolk & Dedham Insurance at $37
• Young drivers: Plymouth Rock is $53 monthly, with Safety at $79

Young drivers under 25 can reduce costs through GEICO's Good Student Discount. Its Family Pricing program lets young drivers stay on family policies even after moving out. Senior drivers aged 50 and up benefit from Safety Insurance's Road Review defensive driving program.

You can find cheaper coverage in Boston with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Boston by violation type:

• Accident: Plymouth Rock at $42 and GEICO at $56 monthly
• Ticket: Plymouth Rock at $38 and GEICO at $41 monthly
• DUI: Plymouth Rock at $43 and GEICO at $65 monthly

Minor violations stay on Massachusetts driving records for six years, though rates may decrease after three years without incidents.

Boston drivers have different insurance costs depending on their neighborhood. ZIP code 02128 has the highest rates at $134 monthly for full coverage, while most other areas like 02108 pay just $110 monthly.

Plymouth Rock is ranked best with a 95 out of 100 score on MoneyGeek's rating scale. Amica is the second-best option, earning 88 out of 100. Plymouth Rock has good affordability and coverage areas, based on our evaluation of agent network ratings, complaint data from the National Association of Insurance Commissioners, J.D. Power studies and customer reviews across multiple platforms.

Amica excels in customer experience and claims satisfaction. Both companies maintain excellent financial stability ratings.
See below for why each insurer is best and which fits your needs.

Boston drivers have some of Massachusetts's highest car insurance rates. Shop around, reduce your costs and secure appropriate coverage:

Our insurance experts tackle common questions about finding budget-friendly car insurance in Boston:

We analyzed hundreds of thousands of quotes from major insurers using data from the Massachusetts Division of Insurance and Quadrant Information Services. Our research covered all Boston ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Massachusetts's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing winter weather claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Boston risks like flood damage, uninsured motorists and theft in high-risk areas.