Finding cheap car insurance in Boston depends on multiple elements, including where you live. To be sure, location plays a big role in how auto insurance rates are calculated. To get precise car insurance quotes in Boston, you should obtain a personalized quote based on your individual requirements.
Compare the Cheapest Car Insurance Quotes in Boston, MA
- Home
- Insurance
- Shop for Car Insurance
- The Best Cheap Car Insurance in Boston
Average Cost of Car Insurance in Boston
In Boston, the average annual car insurance rate is $1,112, which is the same as the Massachusetts state average and much lower than the national average cost of auto coverage. Drivers in Boston pay the same amount, on average, per year as the average driver in Massachusetts, and 21.9% less than the national average.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Cheap Car Insurance Companies in Boston
In Boston, the most affordable car insurance company on average is Safety Group, with Plymouth Rock Insurance as the next-cheapest option. In fact, coverage with Safety Group is less than one-third as expensive as similar coverage with Travelers, the city’s most expensive car insurance company.
Scroll for more
- CompanyAmountper year
- 1. Safety Group$730
- $778
- 3. State Farm$782
- 4. GEICO$800
- 5. MetLife$851
- 6. USAA$928
- 7. Amica Mutual$1,070
- 8. Allstate$1,103
- $1,291
- 10. Progressive$1,363
- 11. Travelers$2,356
Personalized Quotes to Get You the Cheapest Car Insurance in Boston
When determining car insurance quotes in Boston, auto insurance companies use multiple factors to assess the risk associated with the driver. These elements include age, gender and ZIP code, along with the make and model of the vehicle. For example, in Boston, a GEICO policy for an 18-year-old driver is over 150% more expensive than a policy for a 40-year-old driver. It is advisable to regularly get a personalized quote as it can help you find affordable coverage as your circumstances change.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Boston by Coverage Amount
How much car insurance coverage you purchase in Boston also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Massachusetts Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$20,000 per person, $40,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$20,000 per person and $40,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$8,000 per accident.
Many insurance packages are written to express the limits for each type and level of coverage. GEICO offers both liability and full-coverage plans at 50/100/50 limits, which cover $50,000 worth of medical bills per person — totaling $100,000 per vehicle — along with $50,000 worth of property damage repair. GEICO’s full-coverage policy, which also pays for your costs in the event of an accident, is an average of $166 more expensive per year than a liability-only policy, but this could be a worthwhile expense for some drivers.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. State Farm$323$417
- $337$434
- 3. Safety Group$405$520
- 4. GEICO$486$588
- 5. USAA$390$483
- 6. MetLife$401$604
- 7. Amica Mutual$460$536
- 8. Allstate$518$659
- $576$755
- 10. Progressive$784$935
- 11. Travelers$1,183$1,467
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. State Farm$718$782
- $737$778
- 3. Safety Group$704$730
- 4. GEICO$755$800
- 5. USAA$883$928
- 6. MetLife$827$851
- 7. Amica Mutual$1,000$1,070
- 8. Allstate$1,028$1,103
- $1,226$1,291
- 10. Progressive$1,281$1,363
- 11. Travelers$2,194$2,356
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Boston if You Have Tickets
It is wise to maintain a clean driving record because you’d end up paying higher car insurance rates if you have a speeding ticket or other moving violation on your driving record. For instance, in Boston, GEICO policyholders with a speeding ticket on their record will pay nearly $91 more per year for their auto insurance than drivers with a clean record. Drivers with a DUI on their record will pay an average of $564 more annually for GEICO coverage than drivers with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. GEICO$892$1,192$1,365
- 2. State Farm$893$1,186$1,426
- $1,128$1,176$1,226
- 4. MetLife$1,042$1,588$1,690
- 5. USAA$1,076$1,313$2,227
- 6. Safety Group$1,242$1,791$2,110
- 7. Allstate$1,103$1,802$2,200
- 8. Amica Mutual$1,271$1,697$2,174
- $1,398$1,654$2,336
- 10. Progressive$1,758$2,113$1,606
- 11. Travelers$3,115$3,677$3,729
Average Cost of Car Insurance by Postal Code
Where you live in Boston can play a big part in how much your auto insurance will cost. ZIP code makes a difference because of factors such as car thefts, number of accidents and more. For instance, those living in Boston’s most affordable neighborhood for auto insurance — ZIP code 02118 — will pay an average $218 less in annual car insurance premiums than drivers living in the 02128 neighborhood, the city’s costliest ZIP code for auto coverage.
- Zip CodeState Minimumper year
- 02115$1,054
- 02116$1,054
- 02118$1,054
- 02127$1,127
- 02128$1,272
Insurance Providers That Serve Boston
Factors That Impact Insurance Costs in Boston
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the rate of car thefts also contribute to car insurance rates in Boston. How Boston ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Boston could save you $382, which is enough to buy:
Methodology and Assumptions
MoneyGeek’s average premium rates for Boston are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

About the Author
The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.