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Cheapest car insurance in Boston, Massachusetts (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Boston, Massachusetts.
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Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Boston Car Insurance: Quick Facts
  • Boston drivers pay an average of $179 / month for full coverage
  • Boston drivers pay an average of $76 / month for minimum coverage
  • Average rates for Boston car insurance are higher than both the Massachusetts and US average.
  • Massachusetts state law only requires 20/40/5 liability insurance, plus uninsured motorist coverage and $8,000 of PIP
Boston,
Massachusetts
is one of the oldest cities in the United States. Its historic cobblestone streets are home to nearly 800,000 residents, plus millions more in the surrounding metropolitan areas.
Unfortunately, the city’s narrow, winding streets weren’t designed to accommodate today’s modern vehicular traffic, or its volume. Add that to a high cost of living, punishing winter weather, and a rising rate of auto thefts, and Boston is one of the most expensive cities for car ownership—including steep
car insurance
costs. 
Most Boston drivers pay over $2,000 per year for
full coverage car insurance
. But that doesn’t mean it’s impossible to find cheap car insurance in The Cradle of Liberty—you just have to know where to look. 

Cheapest car insurance quotes in Boston

Hey, Bay State driver! On average, auto insurance in Boston costs about $76 per month for minimum coverage liability insurance, and about $179 per month for full coverage insurance. Boston drivers pay 16% more than the
Massachusetts
average.  
Thousands of drivers in Boston trust Jerry Insurance Agency to help them find the best rates on car insurance from the best auto insurance companies. Jerry lets you
compare and buy car insurance policies
with no phone calls, no emails, and no hassle! 
Below are some cheapest car insurance quotes Jerry found for our Boston customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$61
Teresa, 27
Zip: 02120
Mazda 3
• 25,000/50,000 Liability
Safeco
$180
Lewis, 60
Zip: 02121
Mitsubishi Outlander Sport ES
• State Minimum Liability
• Comp / Collision
Travelers
$283
Myrtle, 40
Zip: 02127
KIA Sorento LX
• 100,000/300,000 Liability
• Comp / Collision
Bristol West
$215
Cora, 22
Zip: 02131
KIA Sportage EX
• 25,000/50,000 Liability
Kemper
$175
Ellen, 31
Zip: 02125
Infiniti Q50
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Best car insurance companies in Boston

Finding the best rate for car insurance is a tricky task. Luckily, Jerry conducted a national insurance survey to uncover the best providers for drivers.
The study shows that there isn’t a “best” or “cheapest” insurance company for every driver in Boston. Rather, auto insurance companies use different algorithms to calculate insurance rates, so not every company will offer the same rate for the same driving profile—even in the same city.
In Boston, ROOT, Liberty Mutual, and National General tend to offer the cheapest rates. However, our survey revealed that USAA, Travelers, and Progressive get strong reviews from Boston drivers, too.
Here’s what Boston drivers have to say about these popular insurance providers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Travelers
4.8
4.3
N/A
4.5
Safeco
4.7
4.6
N/A
4.6
Progressive
4.6
4.2
4.6
4.4
Liberty Mutual
3.9
3.4
3.2
4
Geico
3.6
3.1
3.7
3.8
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Boston

Before you can get behind the wheel of a car in Boston, you must have car insurance that meets the state’s minimum insurance requirement. 
Massachusetts car insurance laws
require all drivers to have basic liability insurance that includes bodily injury coverage, property damage, and personal injury protection (PIP). 

Cheap minimum liability insurance quotes in Boston

In order to legally hit the road, Boston drivers need to meet Massachusetts’s minimum coverage limits for bodily injury liability and property damage liability. They can be summarized as 20/40/5:
Jerry helps Boston drivers find affordable minimum liability coverage. Here are some examples of Boston car owners and how much they pay for coverage, thanks to help from Jerry.
card cover
Nannie (48 years old)
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02128)
$135
per month
card cover
Lewis (60 years old)
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02121)
carMitsubishi Outlander Sport ES
$180
per month

Do you need more than minimum coverage in Boston?

Compared to other states, the
minimum car insurance requirements in Massachusetts
are low compared to other states. Most Boston drivers should choose to purchase insurance that exceeds the state minimum of 20/40/5.
If you’re involved in an at-fault accident, medical bills and vehicle damages can quickly exceed the state-mandated minimum. A serious crash that leaves your vehicle totaled wouldn't be covered by state minimum coverage, and medical expenses can quickly exceed $8,000.
The bottom line: For better financial protection, Boston drivers should purchase liability coverage that exceeds the state minimum. Experts recommend 50/100/50 or 100/300/100 liability coverage—and opt for full coverage on your car.

Cheap full coverage car insurance quotes in Boston

Buying a
full-coverage auto insurance
policy is the easiest way to protect yourself against costs associated with repairing or replacing your vehicle if you’re involved in an accident.
A full coverage policy in Boston includes liability insurance plus
comprehensive
and
collision coverage
:
  • Collision insurance: Covers the cost of damage to your vehicle caused by a collision with another object, such as another vehicle or property like a guard rail or tree. Collision coverage pays for the accident regardless of who caused it.
  • Comprehensive insurance: Pays for direct and accidental damage or loss to your vehicle due to something other than a collision—theft, vandalism, fire, falling objects, larceny, or hitting an animal.
If you have a loan or lease on your car, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.  
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 15,000/30,000 Liability
• Comp / Collision
Progressive
$189
Mark, 34
Zip: 02132
Toyota Corolla
• State Minimum Liability
• Comp / Collision
Safeco
$180
Lewis, 60
Zip: 02121
Mitsubishi Outlander Sport ES
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$283
Myrtle, 40
Zip: 02127
KIA Sorento LX
• 30,000/60,000 Liability
• Comp / Collision
Bristol West
$250
Henry, 35
Zip: 02124
Jeep Renegade Latitude
coverageLast Updated May 24, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Boston

We’ve worked with several top insurance providers in Boston, and we’ve found that the average cost for minimum liability coverage is $76 per month or $917 per year. The average cost for full coverage insurance in Boston is $179 per month or $2,150 per year. 
Overall, car insurance in Boston is more expensive than both the state and national average. 
Coverage type
Boston
Massachusetts
United States
Full coverage
$2,150
$1,948
$1,790
Minimum coverage
$917
$903
$740
But an average is only that—an average.
Car insurance quotes
are highly individualized not only because they’re based on each driver’s unique profile but also because each insurer uses its own algorithm when
determining the final cost of an insurance policy
app screenshot
To find out how much you can expect to pay for car insurance in Boston, use the
Jerry
app to compare quotes from 55+ providers based on your ZIP code, age, vehicle details, and driving record.
To select the coverage and quoted price that’s best for you, just tap “Confirm your rate” to begin completing your final application. The whole process—from quoting to receiving your insurance cards—typically takes between one and two hours.

Average cost of car insurance in Boston by zip code

Every city contains more than one zip code—and every zip code has a unique risk profile. This means that you and your friend, who lives in another area of Boston, could be charged totally different rates for coverage. 
According to the insurance companies, one of you may be more vulnerable to auto theft, traffic accidents, or other high-risk scenarios simply due to your zip code.
Zip CodeAverage State Minimum Coverage RateAverage Full Coverage Rate
2026
$21
$77
2118
$39
$78
2119
$28
$113
2121
$37
$121
2122
$62
$137
2124
$51
$97
2126
$70
$80
2130
$65
$83
2135
$31
$106
2136
$41
$48
2215
$117
$133

Why is car insurance so expensive in Boston?

Boston’s car insurance rates are expensive for the same reasons that all Massachusetts drivers pay extra for car insurance: 
  • Severe winter weather: Massachusetts averages about four feet of snow each winter. The snow makes Boston’s already crowded and narrow streets even more unsafe, increasing the likelihood of accidents—and insurance claims. 
  • High cost of living and average income: Massachusetts is one of the most expensive states to live in, and Boston is the second most expensive city in the state. The high cost of living also means higher costs for things like healthcare, auto repairs, and other factors that can drive up insurance costs. 
  • Massachusetts is a no-fault state: No-fault states require drivers to purchase personal injury protection (PIP), or “no-fault insurance,” in addition to minimum liability coverage. This added expense means Massachusetts and Boston drivers often wind up paying more for coverage than drivers in other states. 
But Boston is also subject to a few specific factors that raise the cost of auto coverage beyond the state average. 

Traffic congestion

According to
INRIX 2022 Global Traffic Scorecard
, Boston ranks fourth in the world and second in the US for traffic congestion. Heavy traffic leads to an increased likelihood of accidents and insurance claims, which leads to higher overall insurance premiums.

Increased car thefts

Though nowhere near as prevalent as it was in the 1980s, car thefts are on the rise in Massachusetts, and especially in Boston. Recent
FBI data
indicates less than 2% of the vehicles stolen in the past three years were recovered, leading to total-loss payouts that increase average comprehensive coverage premiums for all drivers.

Car insurance quotes in Boston by rating factors 

Insurance companies in Boston use many rating factors when
calculating your auto insurance premium
:  
  • Your driving record and claims history: Drivers with accidents, tickets, or other violations have higher insurance premiums than drivers with a clean record. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • Vehicle make and model: Luxury, high-performance, and sports cars usually have higher insurance premiums than non-luxury, less expensive vehicles. 
  • Vehicle location: Insurance premiums for drivers in cities are usually higher than in rural areas. Plus, rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 

How do different factors impact your car insurance costs in Boston?

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Allowed (with applicable limitations): Driving experience.
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Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, marital status, residential status.
Learn more about the car insurance rating factors in Boston:

Cheap car insurance quotes in Boston after driving violations

Your
Massachusetts driving history
impacts your auto insurance quotes. 
A violation on your driving record is never ideal—and it can have significant consequences for your car insurance rates. A driver with even one major or minor violation on their driving record is considered a “high-risk driver” and will pay higher insurance rates (like 30% higher!).

Cheapest car insurance in Boston after speeding ticket

In Boston, speeding tickets trigger fines—and they could increase your car insurance rate.
The minimum fine for a speeding ticket in Boston is $100. Then, drivers must pay $10 for every 10 mph over the speed limit they are caught driving. 
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$81
Noah, 30
Zip: 02216
Mercury Montego
• State Minimum Liability
• Comp / Collision
Speeding 6-10
Safeco
$67
Myrtie, 38
Zip: 02266
Porsche Boxster
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 20, 2024

Cheapest car insurance in Boston after DUI

A serious driving violation like a
DUI
in Boston can have major implications for your car insurance premium. Penalties for DUIs are determined by the severity of the offense and the number of prior convictions in the last ten years—you’ll face more serious consequences for your
second Massachusetts DUI
, for instance. 
Still, regardless of the penalty, insurance companies label you as a “high-risk driver.” If an insurer does agree to cover you, you’ll usually pay a much higher premium than Boston drivers without a DUI. 
The best way to secure an affordable rate on Boston car insurance with a DUI on your record is to shop around for car insurance quotes from multiple providers and compare rates.
Jerry has helped several local drivers with a DUI find the lowest rates.  
card cover
Teresa (27 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationBoston, MA
(Zip Code: 02120)
$61
per month

Cheapest car insurance in Boston after an at-fault accident

At-fault accidents on your driving record can be a big cause for an increase in your insurance rate—whether they happened in Boston or somewhere else.
Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents you’ve had, the more high-risk you are—and the more likely they are to have to make a payout. 
If you have one or more accidents on your record, you’ll likely see your premium increase when it’s time to renew your policy.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Travelers
$99
Lula, 31
Zip: 02118
Mercedes-Benz GLK 350 4matic
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Progressive
$68
Amanda, 30
Zip: 02134
Toyota Yaris
• 50,000/100,000 Liability
Not At Fault
Safeco
$125
Florence, 23
Zip: 02132
BMW 528 XI
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Bristol West
$250
Helen, 35
Zip: 02124
Jeep Renegade Latitude
• 30,000/60,000 Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Cheapest car insurance in Boston after other driving violations

A DUI or speeding ticket might have a significant impact on insurance rates, but so can other violations—like failing to stop at a stop sign, driving without insurance, or driving without a license. All of these can lead to higher-than-average car insurance rates until they’re no longer on your driving record.
In Boston, here are some examples of how Jerry helped drivers with violations find affordable insurance.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Driving on Sus. License
The General
$90
Earl, 34
Zip: 02128
Audi Q5 Premium Plus
• 25,000/50,000 Liability
coverageLast Updated May 22, 2024

Cheap car insurance quotes in Boston by age

Your insurance premium is determined by several factors, but your age is a big determining factor. Drivers under 25 and over 75 tend to pay the highest rates for insurance in Boston due to a lack of driving experience and a higher risk of death and injury, respectively. 

Cheapest car insurance in Boston for young drivers

Younger drivers—people under 25—pay the most for insurance of any age group in Boston. This is mainly due to a lack of driving experience that puts them at a higher risk for accidents and, therefore, a higher risk of a claim. 
Do note that you may notice lower premiums for a teen driver who only has a
Massachusetts provisional license
. Under a provisional license, new drivers can only operate a vehicle under supervision, so they’re considered lower risk than a young driver with an unrestricted license.
Once a driver gains more experience on the road, rates will decrease, usually after 25. They remain relatively low with a clean driving record until you hit 60, when they increase again. 
If you’re under 25, investing in a full coverage policy is recommended for greater financial protection.
card cover
Randy (23 years old)
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationBoston, MA
(Zip Code: 02124)
$310
per month
card cover
Gussie (23 years old)
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02215)
carTesla Model 3
$203
per month
card cover
Norman (21 years old)
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02128)
$123
per month
card cover
Cora (22 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationBoston, MA
(Zip Code: 02131)
$215
per month

Cheapest car insurance in Boston for senior drivers

Apart from drivers under 19, drivers over 60 have some of the highest insurance rates in Boston—despite having more driving experience. 
Because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents and also have slower reflexes behind the wheel, they have a greater chance of being involved in an accident. A higher risk on the road means higher costs for insurers and higher
insurance rates for seniors
in Boston.
card cover
Beatrice (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationBoston, MA
(Zip Code: 02201)
$63
per month
card cover
Rosa (70 years old)
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02203)
$58
per month

Cheap car insurance quotes in Boston based on insurance history

Your insurance history—how long you’ve had insurance—is one factor used to determine your insurance premium. 
Insurers want to know that you haven’t had a lapse in insurance coverage, so the longer you’ve been insured continuously, the lower your premium will be. Insurance lapses label you as a “high-risk driver,” which comes with a hefty insurance rate. 
Don’t panic—Jerry is here to help avoid an insurance lapse! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Check out the table below to see how Jerry helped several Boston drivers find savings on a new insurance policy.
card cover
Gavin (27 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationBoston, MA
(Zip Code: 02120)
$61
per month
card cover
Mike (40 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationBoston, MA
(Zip Code: 02127)
$283
per month
card cover
Catherine (60 years old)
Currently Insured
coverageCoverage
State Minimum
locationBoston, MA
(Zip Code: 02121)
carMitsubishi Outlander Sport ES
$180
per month
card cover
Alvin (22 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationBoston, MA
(Zip Code: 02131)
$215
per month
card cover
Leila (27 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationBoston, MA
(Zip Code: 02120)
$61
per month

How to lower car insurance costs in Boston

1. Shop around and compare quotes

Insurance companies use different rules to set premiums, which are constantly changing. To ensure affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this process simple! In just 45 seconds, Jerry collects quotes from 55+ top insurance providers to help you find the best auto insurance coverage at the best price. And the best part? Jerry provides this service for free!

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include:
  • Good driver discounts. If you have a relatively clean driving record (aka no at-fault accidents and minimal points on your license), then you might qualify for a nice discount.
  • Telematics discounts. Several companies provide convenient discounts to drivers who employ telematics for tracking their driving habits. There's even a possibility of receiving a discount merely by enrolling in the program!
  • Good student discounts. If you are currently enrolled as a full-time student in high school or college and maintain a B average or higher, chances are high that you are eligible for a discount from your insurance provider.
  • Bundling discounts.
    Bundle your home and auto insurance
    (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in {city}, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

How much is car insurance in Boston?

People living in Boston pay on average $76 per month – or $917 per year – on state-minimum liability coverage. Full coverage in Boston costs on average $179 per month or $2,150 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

What is the cheapest car insurance in Boston?

Based on thousands of Boston drivers Jerry has worked with, car insurance in Boston costs an average of $76 per month for state-minimum coverage and $179 per month for full coverage.No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!  

What is the best car insurance in Boston?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica, Farmers, and The General receive good ratings from Boston drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies and get free quotes in seconds with Jerry.

What is the minimum car insurance in Boston, Massachusetts?

The state-minimum car insurance in Boston, Massachusetts is as follows:
  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident
These coverages are commonly referred to as 50/100/25 coverage.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.