CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Safety Insurance rank among the cheapest car insurance providers in Boston, offering insurance for $449 and $456, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $2,268 per year on your car insurance policy.
- For drivers with a speeding violation, GEICO offers the most affordable full coverage car insurance in Boston, averaging $2,085 per year.
- GEICO is among the most affordable car insurance providers for drivers with a DUI in Boston, with an average annual full coverage cost of $3,181.
According to a detailed data analysis, GEICO, Plymouth Rock Assurance and Progressive provide cheap car insurance rates for drivers in Boston, Massachusetts for a full coverage policy.
In Boston, an adult with a clean driving record and good insurance score typically pays $712 per year for a state minimum car insurance policy and expect to pay $2,937 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Boston.
Who offers the cheapest car insurance rates in Boston, Massachusetts?
GEICO provides the cheapest car insurance for a state minimum policy in Boston at an average cost of $449 per year or $37 per month. Its full coverage car insurance averages $156 monthly for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Boston.
| Insurance company | Annual premium |
|---|---|
| GEICO | $1,867 |
| Plymouth Rock Assurance | $2,010 |
| Progressive | $2,856 |
| Safety Insurance | $2,871 |
| Farmers | $3,109 |
| Amica | $3,188 |
| Travelers | $3,602 |
| Arbella Insurance | $3,763 |
| Allstate | $4,135 |
| USAA | $1,979 |
Average car insurance rates in Boston
According to our rate analysis, the average cost of car insurance for state minimum coverage in Boston is $712. For liability-only coverage with limits of 50/100/50, you would pay $18 more a month or $211 more a year.
You can get full coverage (100/300/100) by paying $185 more a month or an additional $2,225 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $712 |
| Liability only (50/100/50) | $923 |
| Full coverage (100/300/100, $500 ded.) | $2,937 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,110 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,461 |
| Non-owners | $556 |
Cheapest rates for drivers in Boston, Massachusetts, by age
Age is a key factor in determining car insurance rates in most cities, including Boston. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | GEICO | $4,425 |
| Young adults (20-24) | GEICO | $2,533 |
| Adults (25-60) | GEICO | $1,831 |
| Seniors (65-75) | GEICO | $1,306 |
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Cheapest car insurance rates for Boston drivers after a speeding ticket
Our data shows that GEICO has the most affordable car insurance rates for drivers in Boston after a speeding ticket, with an average annual cost of $2,085 or $174 monthly. Safety Insurance and Progressive also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Boston drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| GEICO | $1,867 | $2,085 | 12% |
| Safety Insurance | $2,871 | $3,572 | 24% |
| Progressive | $2,856 | $3,810 | 33% |
| Farmers | $3,109 | $3,875 | 25% |
| Travelers | $3,602 | $5,222 | 45% |
| USAA | $1,979 | $2,299 | 16% |
Cheap car insurance for drivers with a DUI in Boston
If you have a DUI on your record in Boston, finding affordable car insurance can be challenging. However, GEICO, Progressive and Travelers offer affordable insurance rates for drivers in Boston after a DUI conviction.
The table below lists car insurance companies in Boston that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| GEICO | $1,867 | $3,181 | 70% |
| Progressive | $2,856 | $3,466 | 21% |
| Travelers | $3,602 | $5,480 | 52% |
| Safety Insurance | $2,871 | $6,222 | 117% |
| Arbella Insurance | $3,763 | $6,264 | 66% |
| Farmers | $3,109 | $6,480 | 108% |
| Allstate | $4,135 | $8,545 | 107% |
| USAA | $1,979 | $4,860 | 146% |
Affordable car insurers for Boston drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Boston for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Boston, GEICO offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Arbella Insurance and Progressive.
See the table below to see which insurers offer cheap auto insurance premiums for Boston drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| GEICO | $1,867 | $2,768 | 48% |
| Arbella Insurance | $3,763 | $4,255 | 13% |
| Progressive | $2,856 | $4,330 | 52% |
| Safety Insurance | $2,871 | $4,831 | 68% |
| Travelers | $3,602 | $5,618 | 56% |
| Farmers | $3,109 | $5,937 | 91% |
| Allstate | $4,135 | $6,794 | 64% |
| USAA | $1,979 | $2,858 | 44% |
How you can save on your car insurance policy
You can save an average of $2,268 annually or $189 monthly on a full coverage policy in Boston, Massachusetts, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Final thoughts: Car insurance cost in Boston, Massachusetts
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. ‘Teen drivers.’ Accessed March 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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