Car Insurance in Boston

Plymouth Rock Insurance charges adult drivers $306 annually for minimum coverage in Boston, establishing the city's baseline rate. Young drivers with Plymouth Rock Insurance pay $639 per year, 109% higher than adult rates.

Safety Insurance offers seniors the best deal at $443 annually. Drivers with a DUI face premiums of $522 per year with Plymouth Rock Insurance, a 71% increase over clean-record adults.

Understanding these dramatic rate variations helps Boston drivers anticipate costs based on their individual circumstances.

Plymouth Rock Insurance stands out in Boston with minimum coverage at $306 per year, 49% lower than the city average of $596. Plymouth Rock Insurance also charges $926 per year for full coverage.

GEICO offers a competitive alternative at $444 annually for minimum coverage. While more expensive than Plymouth Rock Insurance, GEICO appeals to drivers who prefer its national presence and streamlined digital experience.

Young drivers in Boston pay $639 annually with Plymouth Rock Insurance for minimum coverage. Adult drivers access the lowest rates at $306 per year with Plymouth Rock Insurance, a 52% discount compared to young drivers.

Safety Insurance charges seniors $443 annually, representing a 45% increase over adult rates. Boston's substantial youth surcharges reflect the city's dense traffic and elevated accident risks for inexperienced drivers.

Plymouth Rock Insurance charges $461 annually for speeding tickets in Boston. At-fault accidents increase rates to $507 per year with Plymouth Rock Insurance.

DUIs result in the highest premiums at $522 per year with Plymouth Rock Insurance. This 71% jump adds $216 annually, though Boston's DUI penalties remain more moderate than many Massachusetts cities.

Plymouth Rock Insurance combines Boston's lowest premiums with strong customer satisfaction scores. Amica delivers competitive rates alongside outstanding customer service ratings.

Both companies serve Boston drivers effectively, with Plymouth Rock Insurance excelling in affordability and Amica providing superior service experiences.

Boston averages $596 per year for minimum coverage and $1,351 per year for full coverage. These rates significantly exceed Massachusetts's state average of $366 for minimum coverage.

Plymouth Rock Insurance's $306 minimum coverage rate sits well below Boston's average. This major urban center commands higher premiums than suburban Massachusetts communities due to traffic congestion and parking challenges.

In Boston, car insurance rates by ZIP code range from $49 to $134 per month. ZIP code 02128 is the most expensive, while 02108 is the cheapest. Check the average rates for your ZIP code in the table below.

Boston drivers pay some of the highest car insurance rates in the country, making it challenging to find affordable coverage that meets Massachusetts requirements. This step-by-step guide shows you proven ways to lower your auto insurance costs while maintaining the financial protection you need.

Car insurance rates in Boston vary based on your age, driving record and credit score. Plymouth Rock and GEICO offer the lowest average premiums in the city, but comparing quotes from multiple providers will help you find your best rate.

Looking for affordable car insurance in Boston? Our FAQ section provides straightforward answers about finding cheap coverage that fits your needs. We break down common questions about costs, coverage requirements and ways to save on your policy.

To help Boston drivers find the most affordable auto insurance options, MoneyGeek analyzed rates using data from the Massachusetts Division of Insurance and Quadrant Information Services. 

Our study reviewed all ZIP codes in the city and hundreds of thousands of quotes from 12 insurance companies offering coverage in Massachusetts.

Boston Driver Profile

MoneyGeek developed a sample driver profile to calculate average car insurance costs with these characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We then adjusted certain factors, including age, driving history, credit score, and military affiliation, to identify the best insurance options for different types of drivers.

Coverage Levels in Boston

We compared the most affordable providers for both minimum and full coverage auto insurance policies.

The minimum coverage requirements in Massachusetts are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We evaluated all companies using the following criteria:

• Affordability (60% of score): We reviewed quotes for a variety of common driver profiles and compared rates across the city to identify the most budget-friendly options.
• Customer experience (30% of score): We examined customer satisfaction using insights from Google reviews, J.D. Power, AM Best, and community forums like Reddit.
• Coverage options (10% of score): This score reflects the number of coverage features each provider offers, as well as the uniqueness and value of those options.