Plymouth Rock offers Boston's lowest car insurance rates, with annual premiums of $306 for minimum coverage and $926 for full coverage. GEICO, Safety and Amica also provide affordable coverage options in the Bay State capital.
Car Insurance in Boston
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Boston's cheapest car insurance companies are Plymouth Rock, GEICO and Safety, with savings up to 38% compared to the city average.
Monthly car insurance costs in Boston average $113 for full coverage and $50 for minimum coverage.
To find the best cheap auto insurance in Boston, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Boston?
| Plymouth Rock | $25 | $77 | -38% |
| GEICO | $37 | $80 | -29% |
| Safety | $39 | $113 | -9% |
| Norfolk & Dedham | $47 | $106 | -8% |
| Amica | $44 | $110 | -7% |
Cheapest Boston Car Insurance by Category
Plymouth Rock offers the cheapest rates in six driver categories for Boston car insurance. GEICO provides the most affordable coverage for seniors and speeders, while Safety wins for drivers with bad credit.
| Young Drivers | Plymouth Rock | $53 |
| Adult Drivers | Plymouth Rock | $25 |
| Senior Drivers | GEICO | $38 |
| Drivers With an Accident | Plymouth Rock | $42 |
| Drivers With a DUI | Plymouth Rock | $44 |
| Drivers With a Speeding Ticket | GEICO | $42 |
| Drivers With Bad Credit | Safety | $53 |
| Drivers With Newer Cars | Plymouth Rock | $30 |
| Drivers With Old Cars | Plymouth Rock | $23 |
Compare the Cheapest Boston Car Insurance for You
Your driving history and personal details determine your car insurance rates, with each company offering different prices for your specific profile. Check the table below to find which insurers offer the lowest rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Farmers | $44 | $524 | -18% |
| Amica | $44 | $531 | -17% |
| Plymouth Rock Insurance | $25 | $306 | -52% |
| Geico | $37 | $444 | -31% |
| Safety Insurance | $39 | $465 | -28% |
Best Car Insurance Companies in Boston
Boston's highest-rated car insurance companies are Plymouth Rock, Amica, GEICO and Norfolk & Dedham. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Plymouth Rock | 95 | 1 | 3 | 1 |
| Amica | 89 | 5 | 1 | 7 |
| GEICO | 85 | 2 | 7 | 8 |
| Norfolk & Dedham | 84 | 4 | 5 | 4 |
| Safety | 83 | 3 | 10 | 2 |
Plymouth Rock: Best Value Overall
pros
Lowest rates in Boston
Strong coverage options
Multiple driver category wins
cons
Average customer service ratings
Limited online tools
COMPANY HIGHLIGHTS
Plymouth Rock ranks as Boston's top car insurance provider by combining affordable rates with comprehensive coverage. Their minimum coverage starts at $25 monthly, while full coverage costs $77 monthly. They offer the cheapest rates for several driver categories, including young drivers, older cars, and newer vehicles. Plymouth Rock stands out with high scores in both affordability and coverage options, making them particularly appealing for cost-conscious drivers who want solid protection.
Amica: Best for Customer Service
pros
Top-rated customer experience
Quick claims processing
Clear communication
cons
Higher than average rates
Limited coverage options
COMPANY HIGHLIGHTS
Amica earns the second spot in Boston thanks to exceptional customer service and satisfaction ratings. While their rates run higher than Plymouth Rock's at $44 for minimum coverage and $110 for full coverage, customers consistently praise their claims handling and support. Amica excels in communication and policyholder support, making them ideal for drivers who prioritize reliable service over the lowest possible rates. Their main drawback is fewer coverage options compared to other top providers.
How Much Is Car Insurance in Boston?
In Boston, minimum coverage costs about $50 per month or $596 per year, ranking 463rd out of all Massachusetts cities for affordability. Full coverage averages $113 monthly or $1,351 annually, ranking 464th among Massachusetts cities.
| Full Coverage | $113 | $1,351 |
| Minimum Coverage | $50 | $596 |
Boston Car Insurance Cost by Category
In Boston, monthly car insurance rates range from $50 to $252 based on your driver profile. Check the table below for your category.
| Young Drivers | $109 | $252 |
| Adult Drivers | $50 | $113 |
| Senior Drivers | $53 | $117 |
| Drivers With an Accident | $79 | $174 |
| Drivers With a DUI | $97 | $208 |
| Drivers With a Speeding Ticket | $61 | $138 |
| Drivers With Bad Credit | $102 | $222 |
| Drivers With Newer Cars | $64 | $148 |
| Drivers With Old Cars | $51 | $114 |
Boston Car Insurance Costs by ZIP Code
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 on the table below.
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ZIP Code:02108
| 02108 | $49 | $110 |
Compare Personalized Boston Car Insurance Costs
While our rate breakdowns cover common scenarios, your exact profile may need a closer look - use the table below to filter Boston car insurance rates by your age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $55 | $657 | 18% |
How to Get the Best Cheap Boston Car Insurance
Boston drivers face 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 will show you proven ways to lower your auto insurance costs while maintaining the protection you need.
- 1
Know your coverage requirements
Start by understanding exactly what coverage you need. Use our car insurance coverage needs calculator to determine appropriate coverage levels for your situation. Consider your car's value, your assets, and your risk tolerance when making this decision.
- 2
Explore alternative insurance types
Look into different types of car insurance that could save you money. If you drive infrequently, pay-per-mile coverage might work well. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Check typical Boston insurance rates
Research average vehicle insurance costs in your neighborhood. Understanding local rates helps you recognize good deals and negotiate better prices. Boston rates vary significantly by ZIP code and driver profile.
- 4
Stack up available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also reduce your premiums.
- 5
Research insurance company ratings
Investigate each insurer's customer service record and claims satisfaction ratings. Check financial strength ratings from independent agencies. A company's reputation for fair claims handling is just as important as competitive rates.
- 6
Get quotes from multiple providers
Collect quotes from at least three different insurance companies. Use a mix of online tools, local agents, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple options often reveals the best deals.
- 7
Review your policy yearly
Mark your calendar to review your coverage annually. Life changes like moving, getting married, or buying a new car can affect your rates. Regular reviews ensure you maintain the right coverage at the best price.
Cheapest Car Insurance in Boston: Bottom Line
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.
Cheap Boston Car Insurance: FAQ
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.
What is the cheapest car insurance company in Boston, Massachusetts?
Plymouth Rock offers Boston's lowest rates, averaging $306 for minimum coverage and $926 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Boston?
Plymouth Rock leads Boston's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 6 points higher than Amica. They excel in both affordability and service quality.
What is the average cost of car insurance in Boston?
Boston drivers pay $1,351 per year for full coverage and $596 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Boston expensive?
Yes. Boston ranks 463rd for minimum coverage affordability and 464th for full coverage affordability compared to all other Massachusetts cities, making it more expensive than average.
How We Chose the Best and Cheapest Car Insurance in Boston, MA
To help Boston drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Massachusetts Division of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Massachusetts to tailor options as closely as possible to you.
Boston Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following 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 adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Boston
MoneyGeek compared the most affordable insurance providers for 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 rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.