Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 11, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Boston requires every driver have proof of liability insurance that provides basic coverage
  • Uninsured motorist coverage is required in Boston in addition to liability coverage
  • Know what you need from your insurance agent and make sure to ask for discounts
  • Compare insurance companies by using online tools to easily gather several insurance quotes

Boston is a large city that is full of drivers in need of car insurance. Find the best car insurance rates for FREE by entering your ZIP code!

Boston Car Insurance Rates

In Boston, every driver must have proof of liability insurance. Failure to obtain this coverage results in heavy fines and even jail time. The basic requirements are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for personal injury
  • $15,000 per accident for property damage

These standards apply to any vehicle that is driven.

Monthly Boston, MA Car Insurance Rates by ZIP Code

Find more info about the monthly Boston, Massachusetts auto insurance rates by ZIP Code below:

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Boston, MA Car Insurance Rates by Company vs. City Average

The cheapest Boston, Massachusetts car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Massachusetts car insurance company rates?” We cover that as well.

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Boston, MA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Boston, MA against other top US metro areas’ auto insurance rates.

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The Cheapest Boston, MA Car Insurance Rates by Coverage Level

Your coverage level will play a major role in your Boston, MA car insurance rates. Find the cheapest Boston, Massachusetts car insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Boston, MA

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Boston. Massachusetts does not use gender, so check out the average monthly car insurance rates by age in Boston, Massachusetts.

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Boston, MA Car Insurance Rates by Company and Age

Boston, Massachusetts car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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The Cheapest Boston, MA Car Insurance Rates by Driving Record

Your driving record will affect your Boston car insurance rates. For example, a Boston, Massachusetts DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Boston, Massachusetts car insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Boston, MA

Factors affecting car insurance rates in Boston, MA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Boston, Massachusetts car insurance.

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Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Laws in Boston for Car Insurance

The car insurance laws in Boston are very similar to other states. They require that you have the minimum of liability. You can get more coverage if you wish to ensure that you are covered. Most states recommend purchasing additional coverage as an accident that you are at fault for can devastate your life if you do not have enough coverage.

They also require the following uninsured motorist coverage to make sure that you have the basics covered:

  • $25,000 per person for bodily injury
  • $50,000 per person for bodily injury
  • $15,000 per person for property damage

This covers the basics so you can handle any expenses that happen when the other person is not covered.

Uninsured motorist coverage allows the kind of protection that anyone would need. Think of it as a way to cover you in the event that the other driver is irresponsible.

Boston Companies for Car Insurance

There are several choices for car insurance companies in Boston. If you are in the process of looking for insurance, then you should compare rates.

Each company has its own manner in creating a policy that will suit you just right. The problem with all of this is deciding which company you should use.

Compile a list of things that you need for your car insurance policy. Write them down and remember to ask the company as you check out the rate. Once you have your choice made, you should still have a list of questions that you ask as you create your policy with that company.

Look up the auto insurance rankings of each company. Check out the reputation of the company in question.

Gather the important things that you desire from your car insurance agency. The point is to search for what matches your personal car insurance agency requirements. Proximity and customer service are two things that many people value very highly. If you follow the right steps, then you can make your choice easily.

Another step to take is to compare the rates that you already have when you contact the car insurance agencies. Make sure to get the best coverage for the best rates.

Conduct a simple comparison of the various agencies on paper. The results help to find the agency that suits your needs and offers affordable coverage.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Rates in Boston

Knowing the average car insurance can help you prepare for your preparation of seeking your car coverage. Here is a basic guideline of the average car insurance rates for you to get started.

The rates start at $315 a year for those with excellent driving records that are at the peak of low rates. Some people can get even lower rates if they ask for various discounts. Always ask for discounts as you seek your coverage.

The highest average Boston car insurance rates are $1,523 a year.

If you have a record of lots of accidents, your coverage may go higher. Rates vary according to each person and his unique situation. This is simply a guide to get you started and find the best Massachusetts car insurance.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Boston Driving and Car Insurance Rates

The Boston auto insurance rates are calculated by your driving record and averaged by the local rates that have been assigned. That means that the drivers that had accidents or made claims in the last year can widely affect the rates that you receive. No matter how good your driving record is your rates anywhere are going to vary according to the locals.

You can get the best Boston insurance if you look at the right places. As you search, remember that you should always compare those rates.

You can compare online in most cases. Once you begin to search you will find many options for your coverage as well. Just remember to get the minimum coverage and add on anything that applies to your life. It is always better to be safe than sorry.

Always get more coverage to ensure that you are covered if anything happens. Even if you are an excellent driver, the person next to you might not be.

Ask the right questions and get coverage with the best company that you can find. Your agent should be like family.

Use our FREE comparison tool and compare car insurance INSTANTLY!