Compare the Cheapest Car Insurance Quotes in Boston, MA

Car insurance rates in Boston depend on driver profiles and coverage levels. On average, the cheapest provider for full coverage policies is Safety Group. State Farm is the cheapest for state minimum coverage. MoneyGeek found that GEICO provides the best coverage in Boston for both affordability and service. GEICO is also the cheapest on average for drivers with speeding tickets.



auto insurance



The Cheapest and Best Car Insurance in Boston

The Cheapest Car Insurance Companies in Boston

Full coverage car insurance rates are usually higher than minimum coverage premiums because full coverage policies provide more protection.
On average, the most affordable insurers in Boston for a full coverage auto insurance policy are:

  • Safety Group: $730 per year
  • Plymouth Rock Assurance: $778 per year

If you are in the military, you qualify for a policy from USAA. However, these are not the cheapest in the city.

The most expensive full coverage car insurance in Boston comes from Travelers with an average annual cost of $2,356. Your rates may change depending on your driving record and coverage amount.

Cheapest Car Insurance in Boston

Full Coverage 100/300/100

MoneyGeek used a 40-year-old sample driver with a full coverage policy to determine the best car insurance providers in Boston. The sample policy details are highlighted in our methodology.

Minimum coverage costs less than full coverage car insurance since it only meets the state’s requirements. Full coverage costs more because it has the following two protections:

  • Comprehensive Insurance: Covers the damage caused by vandalism, theft and other non-collision-related accidents
  • Collision Insurance: Covers any damage caused as a result of hitting a stationary object or another vehicle

MoneyGeek recommends minimum coverage insurance for drivers with older vehicles. This is because the cost of a full coverage policy could be higher than the value of an old car.

Compare Car Insurance Rates in Boston

Ensure you’re getting the best rate for your car insurance. Compare quotes from the top insurance companies.


Insurance Rates

Cheapest Car Insurance in Boston for Minimum Coverage

The cheapest car insurance coverage in Boston is the state minimum insurance. However, minimum coverage insurance may not provide you with adequate coverage, so you might need to cover some costs out of pocket.

On average, the cheapest minimum car insurance coverage in Boston come from:

  • State Farm: $323 per year
  • Plymouth Rock Assurance: $337 per year

USAA policies cost $390 per year on average, making them an affordable option for military families.

Travelers has the highest rates in the city at an average of $1,183 per year.

Your rates for the state minimum car insurance policy may be higher or lower than these average rates depending on your coverage amount. You can use the table below to find costs for your ideal limit.

Cheapest Minimum Liability Car Insurance in Boston

State Minimum

Minimum liability only car insurance meets the state’s minimum requirements. In Boston, your policy limits should be at least 20/40/5. It should also have uninsured motorist coverage and a PIP limit of at least $8,000 per accident.

If you get involved in an at-fault accident and the medical expenses or car damage costs surpass these limits, you will need to pay the difference out of pocket. For instance, if the medical bill is $35,000, your insurer will only pay $20,000, and you will be required to pay the balance of $15,000.

Massachusetts Minimum Liability Requirements

  • Item


  • 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.

Cheapest Car Insurance in Boston if You Have Driving Violations

The cost of car insurance largely depends on your driving background. If you have a history of violations like DUIs and speeding tickets, you will pay higher rates for car insurance.

On average, the lowest car insurance rates for drivers in Boston with severe violations are from:

  • Cheapest after a ticket: GEICO, $892 per year
  • Cheapest after an at-fault accident: Plymouth Rock Assurance, $1,176 per year
  • Cheapest after a DUI: Plymouth Rock Assurance, $1,226 per year

Drivers can lower their rates over time by improving their records. If you have a speeding ticket, at-fault accident or even a DUI, you can still find the cheapest car insurance by shopping around.

Cheapest Car Insurance in Boston With a Violation

Speeding Ticket

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.

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.

Compare Car Insurance Rates in Boston

Ensure you’re getting the best rate for your car insurance. Compare quotes from the top insurance companies.


Insurance Rates

The Best Car Insurance Companies in Boston

To find the best car insurance providers in Boston, Massachusetts, MoneyGeek analyzed insurers based on their average rates, claims ratings and customer satisfaction. The top car insurance companies in Boston with the highest MoneyGeek scores based on this criteria are:

  • State Farm: MoneyGeek score of 95 out of 100
  • GEICO: MoneyGeek score of 92.4 out of 100

Receiving a score of 95.6, USAA is the best car insurance in Massachusetts for military members. However, it was excluded fro
m MoneyGeek’s rankings because it is not widely available.


State Farm



There are no ratings for this company

Geek Quick Take

Geek Quick Take

State Farm scored high on claims, satisfaction and affordability scores. Boston drivers could buy a policy at an average of $782 per year. Rideshare insurance is one of State Farm’s unique coverages.

More About State Farm

Drivers in Boston can choose to get additional rideshare insurance that extends their protection while they work for a ridesharing company. This uncommon offer from State Farm protects drivers with the same coverage as their personal auto insurance policy, except for liability insurance. Aside from this coverage, they can also get roadside assistance to get help in case of roadside emergencies requiring towing, mechanical labor or gas and oil delivery.

Read MoneyGeek’s State Farm auto Insurance Review








Claims Ratings


User Satisfaction


Financial Stability

Geek Quick Take

Geek Quick Take

GEICO’s policies in Boston cost an average of $800 per year. It earned above-average satisfaction and claims scores. Mechanical Breakdown Insurance is one of its unique coverages.

More About GEICO

Mechanical Breakdown Insurance is a unique offer from GEICO for Boston drivers which costs less than the typical extended warranty provided by other insurers. GEICO’s Accident Forgiveness coverage can be purchased as an add-on to prevent rates from going up after your first at-fault accident. Apart from these two unique coverages, drivers can also opt for rental car and travel reimbursement and roadside assistance as optional coverages. With these coverages, GEICO reimburses rental car and travel expenses while your vehicle is in the shop and provides towing, flat tire repair, jumpstarts and lockout services.

Read MoneyGeek’s GEICO auto Insurance Review

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 Code

    State Minimum

    per year

  • 02115


  • 02116


  • 02118


  • 02127


  • 02128


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.

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Most Accidents With Fatalities


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Most Car Thefts


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Most Uninsured Motorists by State


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Personal Injury Protection Required


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Most Annual Rainfall


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Most Rainy Days


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About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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