Boston’s cheapest full coverage insurance company is State Farm. For minimum coverage, Plymouth Rock Assurance is the least expensive. State Farm is also the most affordable for teens, those with tickets and military-affiliated drivers. Drivers with DUIs and at-fault accidents may do best with Amica Mutual. In short, your needs and profile decide which company is the cheapest for you.
Chubb is MoneyGeek's choice for Boston's best combination of customer service and affordability in car insurance.
Cheapest and Best Car Insurance in Boston
Cheapest Minimum Liability Car Insurance in Boston
For a minimum coverage policy in Boston, the cheapest insurers are the following:
- Plymouth Rock Assurance: $395 per year
- Hanover: $401 per year
Safety Group has the most expensive minimum coverage insurance, averaging $1,545 annually. As of October 2022, State Farm offers the cheapest minimum coverage policy in Massachusetts at $221. Boston's average rates are much higher than the state’s average. It’s an expensive city with wicked bad traffic, and location can significantly impact insurance prices.
State law determines the liability limitations for minimum coverage. In Massachusetts, this includes the following minimum limits:
- $20,000 bodily injury per person
- $40,000 bodily injury per accident
- $5,000 property damage per accident
- $20,000 uninsured motorist bodily injury per person
- $40,000 uninsured motorist bodily injury per accident
- $8,000 personal injury protection
If you’re in an at-fault accident, liability-only coverage pays for the other car’s driver's and passengers' damages. In Boston, your insurance provider pays for each person's medical expenses up to $20,000, for a maximum of $40,000 per accident. Any remaining amounts must be paid out of your pocket.
Cheapest Full Coverage Car Insurance in Boston
The following insurance agencies have the cheapest full coverage auto insurance for Boston drivers:
- State Farm: $945 per year
- Plymouth Rock Assurance: $1,159 per year
At $3,501 annually, Safety Group is Boston’s most expensive full coverage insurance provider. In addition to being the cheapest in Boston, State Farm offers the cheapest full coverage insurance in Massachusetts as of October 2022. But statewide, it averages $483 per year. Because location affects the price, Boston’s cost is higher.
Besides increased liability limits, full coverage policies have comprehensive and collision coverage.
- Collision Insurance: Covers damages to your vehicle resulting from a collision with an object or another vehicle
- Comprehensive Insurance: Pays for damage to your car from events other than accidents, like break-ins or adverse weather
For a brand-new car, it's best to have full coverage insurance to safeguard your financial investment. However, for older cars, the extra protection might not be worth the hundreds of additional dollars.
Cheapest Car Insurance in Boston After a Driving Offense
The most affordable insurers for full coverage for Boston drivers with infractions are:
- Speeding ticket: State Farm ($833 per year)
- At-fault accident: Amica Mutual ($1,073 per year)
- DUI: Amica Mutual ($1,371 per year)
Chubb has the highest premiums after a speeding ticket or DUI at $2,381 and $3,868 annually. After an at-fault accident, Arbella quotes the highest premium of $2,442 per year. Traffic offenses can raise vehicle insurance prices; even the cheapest insurers charge more.
Rates may climb in proportion to the seriousness of the infraction committed by the driver. For example, in Boston, drivers with DUIs pay at least $1,112 more than drivers with speeding tickets. Despite this, getting cheap auto insurance with a poor driving record may be possible with a bit of legwork.
Cheapest Car Insurance in Boston for Teens and Their Families
The cheapest insurance companies for 16-year-old Boston drivers on a family policy are:
- State Farm: $1,871 per year for female teens and male teens
- Progressive: $2.232 per year for female and male teens
The company charging families the highest rates to add an adolescent to a policy is Travelers, quoting around $5,904.
Because male teens are considered riskier to insure, rates for them are often higher than for female teens. But this difference may vary from one company to another. So, examining quotes from several insurers to save money is crucial.
Teenagers' car insurance premiums are much higher if they purchase a policy independently. So, adding your teen to your family policy is often wise. For example, in Boston, a male teen purchasing insurance alone could spend $1,687 more than if he was added to a family policy. Families could also save thousands of dollars by shopping around for the cheapest car insurance for adding a teen to their policy.
Cheapest Car Insurance in Boston for Military Drivers
In Boston, persons with a military history (active or veterans) and their families may get the cheapest military car insurance by shopping with the following companies:
- State Farm: $945 per year
- Plymouth Rock Assurance: $1,159 per year
USAA's prices are a bit higher for individuals with military affiliations but more tailored to their needs. The company charges Boston drivers around $1,251 annually.
Those prices are for full coverage. For minimum coverage, Plymouth Rock Assurance is the cheapest at $395, followed by Hanover at $401 per year.
How to Compare Cheap Boston Car Insurance Quotes Online
Comparing car insurance rates online may be time-consuming. You usually have to spend at least 15 minutes typing in highly personal information for each quote — and you should get at least three. This is where MoneyGeek’s auto insurance calculator can help. Based solely on your age, type of vehicle, driving record and desired coverage, it instantly estimates your premiums with many carriers.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Boston: Summary
The best auto insurance for you partly depends on how much you value service, cost, coverage and other variables. According to MoneyGeek's research, Boston’s top car insurance providers for different desires are:
- Best overall: Chubb (MoneyGeek score 80 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Chubb (MoneyGeek score 84 out of 100)
MoneyGeek ratings may change to reflect how factors were weighted. Companies excelling in all three categories, like Chubb, combine affordability and high-quality service. Interestingly, though it didn’t make any of this page’s lists, GEICO is the top car insurer in Massachusetts. Finally, with a MoneyGeek rating of 81 out of 100, USAA is an excellent car insurance choice if you have military experience.
Best Overall Car Insurance in Boston
MoneyGeek found the following companies offer the best overall car insurance in Boston:
- Chubb: MoneyGeek score 80 out of 100 ($1,725 per year)
- Arbella: MoneyGeek score 73 out of 100 ($1,1912 per year)
Although State Farm received a MoneyGeek score of 76 out of 100, with annual policies averaging $945, this company only serves existing customers in Massachusetts. USAA is highly recommended if you're affiliated with the military. It scored 81 out of 100, and its average yearly premium is $1,159.
Ranks third in customer satisfaction out of 13 insurers
Ranks first in claims management out of 13 insurers
Offers original equipment manufacturer (OEM) coverage and diminished value coverage
Not many coverage options
No gap insurance, new car replacement, deductible modification and roadside assistance
Chubb provides excellent customer service and claims handling, making it the best for people who value customer satisfaction. Using data from J.D. Power surveys and the NAIC's customer complaint index, Chubb ranked third in customer satisfaction.
But, Chubb had a low score for coverage options because it doesn't offer many. Unlike most rivals, Chubb's OEM (original equipment manufacturer) coverage pays for repairing cars using OEM parts after it has been damaged in a covered incident. With OEM coverage, your vehicle may be safer than with aftermarket options. Among the most unique options is Chubb’s diminished value coverage, also called agreed value coverage. This lets you and Chubb agree on how much your car is worth when you write up your policy, and if your vehicle is totaled or stolen, Chubb cuts you a check for that amount.
The downside is Chubb's full coverage comes with a price tag of $1,723 a year. In addition, common coverages, such as roadside assistance, new car replacement, deductible modification and gap insurance, are unavailable.
Best Car Insurance in Boston for Customer Service
We threw affordability out the window when determining which Boston auto insurers have the best customer service and satisfaction. Not including price, the top insurers for customer satisfaction are:
- Chubb: MoneyGeek score 76 out of 100 ($1,725 per year)
- Amica Mutual: MoneyGeek score 71 out of 100 ($2,194 per year)
Chubb excels in policyholder claims processing and customer satisfaction. As a result, its premiums are much higher than several of its competitors. But, its service is better than the eight other insurers we evaluated.
Third in customer satisfaction out of 13 insurers
Highest claims score out of 13 insurers
Offers OEM and diminished value coverage
No gap insurance, roadside assistance or new car replacement
Few coverage choices
Chubb got high scores in claims handling and customer service. As an optional coverage, it offers rental car reimbursement. This lets you rent a vehicle like your own if you get in a covered accident and your car is undrivable temporarily. Its daily limit is $5,000. Chubb’s OEM coverage pays for repairs using original parts. Original equipment gives your vehicle superior performance and safety compared to aftermarket components.
Classic car insurance from Chubb is for vehicles that are at least 30 years old, part of a collection or limited production models. It’s available for garaged cars and those used for hobbies like auto shows and exhibitions.
Best Cheap Car Insurance Companies in Boston
For minimum coverage auto insurance policies in Boston, our research indicates the following companies excel in affordability and service:
- Chubb: MoneyGeek score 84 out of 100 ($561 per year)
- Hanover: MoneyGeek score 78 out of 100 ($401 per year)
The cheapest premiums often go to policies with minimum coverage. But this leaves you open to paying for medical bills and car repairs out of pocket if you're ever in an accident while driving your car.
Third highest customer satisfaction out of 13 insurers
Best claims score out of 13 insurers
Affordable minimum coverage policy costing $561 yearly
Discounts for vehicles with daytime running lights and VIN-etching
No common discounts like good student, multiple car, safe driving, paying in full or going paperless
Fewer coverage choices
Chubb offers discounts for vehicles with anti-lock brakes and/or anti-theft devices. Additionally, you can get deals for bundling auto and home insurance policies. You may also qualify for discounts for factory-installed daytime running lamps or VIN-etched vehicles. Finally, with the installation of an electronic tracking device, policyholders may be eligible for a premium reduction.
However, Chubb doesn't give standard discounts, such as insuring multiple vehicles, completing defensive driving courses, driving safely, paying in full or going paperless. Compared to the discounts from most of its rivals, Chubb’s are generally superior and unique.
Average Cost of Car Insurance in Boston
The average auto insurance cost in Boston is $1,828 per year. This is $559 more than the state average cost of $1,269 and $563 higher than the national average of $1,265 as of October 2022. These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident and $100,000 property damage liability per accident. Massachusetts vehicle insurance is more than the national average, and areas known for risky driving (like Boston) cost even more. That said, car insurance costs depend on numerous factors, not just location.
About Mark Fitzpatrick