Boston Car Insurance

How much does car insurance cost in Boston, MA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Boston?

Boston is the capital of the Commonwealth of Massachusetts and the biggest city in New England. Boston is known for its Revolutionary War history, Red Sox baseball and clam chowder. Boston was at the forefront of the rebellion against British rule. Bostonians dumped tea in Boston Harbour to protest import taxes. Fishermen still sell fresh fish at the city’s historic Fish Pier and the city is known for its seafood restaurants and oyster bars. A number of colleges and universities call Boston home and they contribute to the city’s cultural scene with museums and performing arts centers. Parks and green spaces have been in Boston since Boston Common was founded in 1634. And today there are a chain of parks forming a necklace across the city. Boston has an extensive public transit system so you can maneuver around the city without a set of wheels. But there are times, you’ll want your car. Make sure you aren’t paying too much for car insurance in Boston. Smart Financial allows you to search more than 200 insurance companies for the insurance rate that is right for you. So you are bound to find a great rate. Now let’s look at what you need to know about car insurance and driving a car in Boston.   

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Massachusetts has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Boston typically pay around $134.73 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Massachusetts $115.53
Boston, Massachusetts $134.73

Boston, MA Best Car Insurance Companies

car insurance in Boston

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Boston coming in around $84.57 per month. Other companies to consider if you live in Boston is USAA with an average cost of $139.49 per month and Preferred Mutual which typically runs around $159.27 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Boston.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $84.57-26.80%
2 USAA $139.4920.74%
3 Preferred Mutual $159.2737.86%
4 Safety Group $170.5147.59%
5 Pure Companies Grp $184.2859.50%
6 Plymouth Rock Assurance $185.5760.62%
7 Norfolk and Dedham Group $186.8761.74%
8 Arbella Insurance Group $206.5878.81%
9 ACE American Pool $219.8290.26%
10 Metropolitan $224.0993.96%

How Much is Car Insurance in Boston, MA?

how much is auto insurance in Boston

Rates can vary from city to city. The residents of Andover typically pay $77.67 per month while people who live in Boston will pay $134.73 per month on average. See what people pay for car insurance in other cities in Massachusetts.

Massachusetts CitiesMonthly Average Rate
Boston $134.73
Brockton $158.34
Cambridge $106.92
Chicopee $91.65
Fall River $127.45
Framingham $97.47
Haverhill $97.26
Lawrence $132.77
Lowell $108.50
Lynn $140.45
New Bedford $131.14
Springfield $119.21
Woburn $101.19
Worcester $123.89

Cheap Car Insurance in Boston by Zip Codes

find cheap auto insurance in Boston

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Massachusetts. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Boston, MA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Boston

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $273.40 per month in Boston. Compare that to drivers in their 30’s who typically pay around $120.96 per month drivers in their 40s at $125.35 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Boston

If you are teen in Boston you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, State Farm typically charges around $156.40 per month. This is likely the most affordable option in Boston. You might also want to consider USAA and Encompass who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Farm$156.40
Plymouth Rock Assurance$254.95

Cheapest Insurance for 20 Year-olds in Boston

20 year-olds in Boston might want to consider State Farm who, on average, offers car insurance rates around $90.77 per month. USAA , Preferred Mutual , Safety Group and Safeco are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Farm$90.77
Preferred Mutual$176.28
Safety Group$199.01

Cheapest Insurance for 30 Year-olds in Boston

If you are in your 30s in Boston our research has found that State Farm typically has the most affordable coverage coming in around $78.37 per month, followed by Safeco at $115.96 and USAA at $126.94.

CompanyAverage Monthly Rate
State Farm$78.37
Preferred Mutual$142.04
Pure Companies Grp$142.80

Cheapest Insurance for 40 Year-olds in Boston

On average, State Farm offers car insurance for 40 year-olds in Boston for around $84.48 per month. If you are looking for affordable coverage, you may also want to consider Pure Companies Grp or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$84.48
Pure Companies Grp$97.96
Preferred Mutual$151.34
Safety Group$158.60

Cheapest Insurance for 50 Year-olds in Boston

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Boston we found that State Farm generally offers the most affordable coverage at $77.77 per month.

CompanyAverage Monthly Rate
State Farm$77.77
Pure Companies Grp$91.55
Plymouth Rock Assurance$127.74
Safety Group$129.74

Cheapest Insurance for 60 Year-olds in Boston

If you live in Boston and you’re in your 60s, our data indicates that State Farm usually has the best rates at $67.67 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$67.67
Safety Group$115.95
Preferred Mutual$120.67
Norfolk and Dedham Group$135.41

Driver's Coverage Auto Insurance Rates in Boston, MA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Boston, the average monthly rate for a driver who is currently insured is $133.63 while drivers who are not currently covered will pay around $136.05.

CoverageAverage Monthly Rate
Not Currently Insured $136.05
Currently Insured $133.63

Compare Recent Car Insurance Quotes in Boston

auto insurance quotes in Boston city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Boston a driver of a 2024 Ford Mustang Mach-E can expect to pay around $140.15 per month while someone that owns a 2007 Toyota Camry may pay around $84.68 per month. Check out the list of recent quotes in Boston below.

VehicleAverage Monthly Rate
2024 Ford Mustang Mach-E$140.15
2007 Toyota Camry$84.68
2023 Mazda Cx-30$67.65
2012 Infiniti G25$332.82
2005 Toyota Avalon$62.33
2021 Kia Forte$136.57
2009 Chevrolet Malibu$74.38
2010 Mercedes-Benz E$302.62
2012 Volkswagen Jetta$56.25
2003 Ford Explorer$78.73

FAQ's for Drivers in Boston, MA

driver’s frequently asked question in Boston

Boston Auto Insurance Requirements

In the city of Boston, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Boston?

  • $20,000 bodily injury liability coverage per person
  • $40,000 bodily injury liability coverage per accident
  • $5,000 property damage liability coverage

What is the Blood Alcohol Concentration (BAC) Limit in Boston?

The legal blood alcohol content (BAC) level limit is .08% in Massachusetts. And this is the legal BAC level limit in every state. If you are caught driving with a BAC level limit of .08% or higher, you may be arrested for a DUI or DWi. And in Massachusetts, you may face jail time of up to 2 1/2 years, a fine of $500 to $5,000 and a driver’s license suspension period of 45 to 90 days. A DUI may make your car insurance rate spike up. But it is possible to bring the rate down by shopping around for the best deal with SmartFinancial.

Can I Register My Car Without Insurance in Boston?

To drive a car in Boston. the registration on your car must be valid and your liability insurance coverage on your car must be current. This is true even if you do not use the car. So be sure to pay your auto insurance bills as agreed. The insurance must be issued by an insurance company authorized by the Massachusetts Division of Insurance and certified by the Massachusetts Registry of Motor Vehicles. One last thing, the insurance for your car must be issued in the name of the vehicle registrant. So make sure those two things are consistent.

Check Out Other Rates in Boston, MA Nearby Cities:

Cambridge, MA

Revere, MA

Chelsea, MA

Somerville, MA

Everett, MA

Weymouth Town, MA

Malden, MA


Medford, MA



Commute Time in Boston, MA

30.4 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Boston, MA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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