The average annual premium for auto insurance in Boston is $1,112, similar to the Massachusetts state average. The most affordable company, Safety Group, has an average rate of $730 per year. MoneyGeek analyzed the cheapest companies for different coverage levels and driving history. MoneyGeek also recommended the best auto insurers in Boston for those focused on quality and cost.
bestauto insuranceBoston2021The Cheapest and Best Car Insurance in Boston
The Cheapest Car Insurance Companies in Boston
The most affordable options for Boston drivers looking for a full coverage policy are:
- Safety Group: $730 per year
- Plymouth Rock Assurance: $778 per year
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.
MoneyGeek used insurance rates based on a sample driver profile. In this case, it is a male who is 40 years old and has a full coverage policy that includes liability insurance as well as comprehensive and collision insurance.
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- CompanyAmountper year
- 1.Safety Group$730
- 2.$778
- 3.$782
- 4.$800
- 5.$851
Average Cost of Car Insurance in Boston
Boston$1,112
MA$1,112
U.S.$1,424
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.
The Best Car Insurance Companies in Boston
MoneyGeek ranked the best auto insurers in Boston to help drivers looking for companies that balance affordability and quality service. Based on MoneyGeek’s scorings system, the top companies for most drivers are:
- GEICO: MoneyGeek score of 93 out of 100
- Allstate: MoneyGeek score of 88 out of 100
USAA received the highest score in Boston by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
For this study, MoneyGeek calculated results based on various factors. These include J.D. Power user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
GEICO
Score:93
3
Allstate
Score:88
4
Nationwide
Score:85
5
Progressive
Score:83
6
Travelers
Score:80
7
Hanover
Score:78
8
MetLife
Score:78
9
Liberty Mutual
Score:75
10
MAPFRE Insurance
Score:75
11
Safety Group
Score:75
12
Arbella Insurance Group
Score:73
13
Plymouth Rock Assurance
Score:73
14
Safeco
Score:73
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.
Shopping around for car insurance in Boston could save you $382, which is enough to buy:
127Cups of Coffee
29Months of Your Favorite Streaming Service
Cheapest Car Insurance in Boston by Coverage Amount
One factor that has a huge impact on the price of car insurance in Boston and elsewhere is the amount of coverage that you choose. The average cost for a policy only meeting state minimums in Boston is $547 per year. A full coverage policy with higher liability limits costs $1,112 on average, which is $565 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: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$323$417
- 2.$337$434
- 3.Safety Group$405$520
- 4.$486$588
- 5.$390$483
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$718$782
- 2.$737$778
- 3.Safety Group$704$730
- 4.$755$800
- 5.$883$928
Cheapest Car Insurance in Boston if You Have Driving Violations
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.$892$1,192$1,365
- 2.$893$1,186$1,426
- 3.$1,128$1,176$1,226
- 4.$1,042$1,588$1,690
- 5.$1,076$1,313$2,227
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.
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.
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