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 city.
Car Insurance in Boston
Updated: October 23, 2025
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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% |
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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:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| Plymouth Rock Insurance | $25 | $306 | -52% |
| Geico | $37 | $444 | -31% |
| Safety Insurance | $39 | $465 | -28% |
| Farmers | $44 | $524 | -18% |
| Amica | $44 | $531 | -17% |
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. Minimum coverage starts at $25 monthly, while full coverage costs $77 monthly.
Plymouth Rock offers the cheapest rates for several driver categories, including young drivers and owners of both older and newer vehicles. It stands out with high scores in both affordability and coverage options, making it appealing for cost-conscious drivers who want solid financial 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 rates run higher than Plymouth Rock's at $44 for minimum coverage and $110 for full coverage, customers consistently praise Amica's claims handling and support.
It excels in communication and policyholder support, making it ideal for drivers who prioritize reliable service over the lowest possible rates. The 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 in the table below.
Data filtered by:
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:
Adult Drivers
Male
State Minimum Liability Only
Good
Clean
| $55 | $657 | 18% |
How to Get the Best Cheap Boston Car Insurance
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.
- 1Know 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.
- 2Explore 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.
- 3Check the usual 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 a lot by ZIP code and driver profile.
- 4Stack 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.
- 5Research 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.
- 6Get 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.
- 7Review 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 help 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 annually for minimum coverage and $926 for full coverage. Rates vary by personal factors, so compare quotes from multiple insurers.
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 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.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
