Best Cheap Auto Insurance in Boston, MA (2021)

The average Boston, MA auto insurance rates are $301 per month. The minimum auto insurance in Boston is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Boston, Massachusetts, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Boston is 30.9 minutes
  • Average auto insurance rates in Boston, MA for senior drivers are $2,372 per year
  • The most expensive auto insurance company in Boston for teen drivers is Progressive

Boston, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Boston can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Boston, Massachusetts, including driving record, credit, commute time, and more.

Compare auto insurance in Boston to other Massachusetts cities, including Cambridge auto insurance rates, Quincy auto insurance rates, and Lynn auto insurance rates to see how Boston, Massachusetts auto insurance rates stack up.

Before you buy Boston, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Boston, Massachusetts auto insurance quotes.

Minimum Auto Insurance in Boston, Massachusetts

Boston, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Boston, Massachusetts.

Minimum Required Auto 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

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Cheap Boston, Massachusetts Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Boston, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Boston, Massachusetts Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Boston, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Boston, Massachusetts.

Annual Auto 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

Cheap Boston, Massachusetts Auto Insurance for Seniors

What are senior auto insurance rates in Boston, Massachusetts? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Boston, Massachusetts Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Boston, Massachusetts compared to the annual auto insurance rates with a clean record in Boston, Massachusetts.

Annual Boston, Massachusetts Auto 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

Cheap Boston, Massachusetts Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Boston, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Boston, Massachusetts to find the best deal.

Annual Auto Insurance Rates After a DUI in Boston, Massachusetts

Insurance Company Annual Auto 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

Cheap Boston, Massachusetts Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Boston, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Boston, Massachusetts to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap Boston, Massachusetts Auto Insurance Rates By Commute

Commute length and annual mileage affect Boston, Massachusetts auto insurance. Find the cheapest annual Boston, Massachusetts auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Boston, Massachusetts

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Boston, Massachusetts Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Boston, Massachusetts? Check out the comparison of annual Boston, Massachusetts auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Boston, Massachusetts

Compare the cheapest auto insurance companies in Boston, Massachusetts in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

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The Cheapest Boston, Massachusetts Auto Insurance Companies

What auto insurance companies in Boston, Massachusetts are the cheapest? Compare the top Boston, Massachusetts auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Boston, Massachusetts?

There are a lot of reasons why auto insurance rates in Boston, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Boston, Massachusetts. Many local factors may affect your Boston auto insurance rates.

Boston Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Boston, Massachusetts commute length is 30.9 minutes according to City-Data.

Boston Traffic

How does Boston, Massachusetts rank for traffic? According to Inrix Boston, Massachusetts is the 36th most congested worldwide.

Compare Boston, Massachusetts Auto Insurance Quotes

Before you buy Boston, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Boston, Massachusetts auto insurance quotes.

Free Auto Insurance Comparison

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

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