Compare Boston, MA Car Insurance Rates (2021)

Car insurance in Boston, MA averages $301 a month. Boston, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Boston car insurance rates, compare quotes from the top car insurance companies in Boston, MA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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

  • Average car insurance rates in Boston, MA after a DUI are $4,429/year
  • The cheapest car insurance company in Boston for teen drivers is State Farm
  • Average car insurance rates in Boston, MA are $3,610/year

If you need to buy Boston, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Boston, MA is right here.

You’ll find Boston car insurance rates, the cheapest Boston, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Boston, Massachusetts car insurance rates to Springfield car insurance rates, Quincy car insurance rates, and Cambridge car insurance rates.

Ready to find affordable Boston, MA car insurance today? Enter your ZIP code for fast, free Boston car insurance quotes.

Cheapest Boston, MA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Boston, MA car insurance rates? Every Boston, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Boston, Massachusetts

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,800 $2,800 $2,800 $2,800 $7,830 $7,830 $3,123 $3,123
GEICO $2,176 $2,176 $1,998 $1,998 $5,257 $5,257 $2,281 $2,281
Liberty Mutual $3,586 $3,586 $3,124 $3,124 $9,611 $9,611 $3,753 $3,753
Progressive $2,694 $2,694 $2,580 $2,580 $10,141 $10,141 $2,912 $2,912
State Farm $1,230 $1,230 $1,230 $1,230 $3,199 $3,199 $1,230 $1,230
Travelers $3,423 $3,423 $3,002 $3,002 $6,986 $6,986 $3,789 $3,789
USAA $1,904 $1,904 $1,872 $1,872 $4,432 $4,432 $2,110 $2,110

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Boston, MA

Every driver must carry the minimum car insurance in Boston, MA. Take a look at the Massachusetts car insurance requirements.

Minimum Required Car Insurance Coverage in Boston, Massachusetts

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Boston, MA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Boston, MA to rates for a clean record with top companies.

Annual Boston, Massachusetts Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,216 $4,774 $5,346 $3,216
GEICO $2,363 $3,206 $3,643 $2,500
Liberty Mutual $3,964 $5,406 $6,458 $4,246
Progressive $3,838 $5,430 $4,306 $4,752
State Farm $1,372 $1,855 $2,194 $1,468
Travelers $3,335 $4,628 $4,990 $4,246
USAA $1,827 $2,373 $4,068 $2,050

Cheapest Boston, MA Car Insurance for Teen Drivers

Teen car insurance in Boston, MA can be expensive. Take a look at rates from the top car insurance companies in Boston for teenagers.

Annual Car Insurance Rates for Teen Drivers in Boston, Massachusetts

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $7,830
GEICO $5,257 $5,257
Liberty Mutual $9,611 $9,611
Progressive $10,141 $10,141
State Farm $3,199 $3,199
Travelers $6,986 $6,986
USAA $4,432 $4,432

Cheapest Boston, MA Car Insurance for Seniors

Take a look at Boston, MA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Boston, Massachusetts

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,800 $2,800
GEICO $1,998 $1,998
Liberty Mutual $3,124 $3,124
Progressive $2,580 $2,580
State Farm $1,230 $1,230
Travelers $3,002 $3,002
USAA $1,872 $1,872

Cheapest Boston, MA Car Insurance Rates After a DUI

A DUI in Boston, MA increases car insurance rates. Compare Boston, Massachusetts DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Boston, Massachusetts

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,346
GEICO $3,643
Liberty Mutual $6,458
Progressive $4,306
State Farm $2,194
Travelers $4,990
USAA $4,068

Cheapest Boston, MA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Boston, MA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Boston, Massachusetts

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,010 $4,266
GEICO $2,886 $2,971
Liberty Mutual $4,829 $5,208
Progressive $4,582 $4,582
State Farm $1,683 $1,762
Travelers $4,089 $4,510
USAA $2,507 $2,652

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Boston, MA Car Insurance Rates by ZIP Code

Boston car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Boston, MA.

Annual Car Insurance Rates by ZIP Code in Boston, Massachusetts

ZIP Code Average Annual Rates
2108 $3,566
2109 $3,566
2110 $3,566
2111 $3,566
2113 $3,566
2114 $3,566
2115 $3,566
2116 $3,566
2118 $3,566
2127 $3,766
2128 $4,228
2133 $3,566
2163 $3,553
2199 $3,566
2203 $3,566
2210 $3,566
2215 $3,566
2222 $3,508

The Best Cheap Car Insurance Companies in Boston, MA

Take a look at a side-by-side comparison of the top car insurance companies in Boston, MA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Boston, Massachusetts

Insurance Company Average Annual Rates
Allstate $4,138
GEICO $2,928
Liberty Mutual $5,018
Progressive $4,582
State Farm $1,722
Travelers $4,300
USAA $2,580

Category Winners: Cheapest Car Insurance in Boston, Massachusetts

Find the cheapest car insurance companies in Boston, MA for each category right here.

Best Annual Car Insurance Rates by Company in Boston, Massachusetts

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record State Farm
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Boston, MA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Boston car insurance rates. Find the cheapest Boston, MA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Boston, Massachusetts

Insurance Company Low Medium High
Allstate $3,833 $4,201 $4,380
GEICO $2,688 $2,982 $3,114
Liberty Mutual $4,681 $5,083 $5,290
Progressive $4,207 $4,652 $4,886
State Farm $1,568 $1,751 $1,848
Travelers $3,867 $4,377 $4,655
USAA $2,402 $2,617 $2,719

What affects car insurance rates in Boston, Massachusetts?

What factors can have an impact on Boston, MA car insurance? There are several reasons why Boston car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Boston, Massachusetts.

Commute Time in Boston

The more time you spend in your car the higher the risk of an accident. The average commute length in Boston, MA is 30.9 minutes according to City-Data.

Traffic in Boston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Boston, MA traffic data from INRIX ranks Boston as the 36th-most congested in the world.

Compare Car Insurance Quotes in Boston, MA

Ready to find affordable Boston, Massachusetts car insurance today? Enter your ZIP code for fast, free Boston, MA car insurance quotes.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption