Cheapest Car Insurance In Boston, MA 2024

In Boston, MA, the hunt for the cheapest car insurance reveals a broad range of choices and costs.

Chubb ranks as the most affordable for liability-only coverage, while State Farm shines for full coverage options. State Farm again remains the go-to choice for young drivers seeking budget-friendly rates.

Cheapest Full Coverage Insurance Rates In Boston: State Farm

At an average of $97 per month, State Farm delivers the lowest full coverage car insurance rates in Boston.

The following table highlights average car insurance rates from economical insurers in Boston.

Cheapest Liability-only Car Insurance In Boston: Chubb

Chubb leads as the most budget-friendly car insurance provider for minimum coverage in Boston, averaging $39 a month.

Review the table below to compare rates offered by various car insurance companies.

Cheapest Car Insurance Rates For Seniors: GEICO

GEICO’s average rate of $91 per month makes it the most budget-friendly car insurance choice for seniors in Boston.

The following table highlights average quotes from low-cost auto insurers specifically for seniors.

Cheapest Rates In Boston For Teenagers: State Farm

State Farm is the top choice for cheap quotes among teenage drivers in Boston, averaging $158 a month for premiums.

The following table outlines insurers offering budget-friendly insurance rates for teens.

Cheapest Auto Insurance For Young Adults in Boston: State Farm 

For young adults in Boston, State Farm is the top choice for affordable insurance, with average monthly rates of $80.

Check the table below to compare the lowest auto insurance rates available for young adults in Boston.

Cheapest Car Insurance In Boston For Good Drivers: Chubb

With an average monthly cost of about $39, Chubb is the top choice for cheap car insurance quotes for good drivers in Boston.

If you maintain a good driving record, you can use the table below to find average quotes from low-cost insurance companies.

Cheapest Car Insurance In Boston After A Speeding Ticket: GEICO

With average monthly rates of $143, GEICO is a cost-effective choice for Boston drivers who have a speeding ticket on their record.

The following table shows average rates for drivers who have a speeding ticket.

Cheapest For Drivers With After At-Fault Accident: State Farm

In terms of car insurance for drivers with an at-fault incident, State Farm stands out as the cheapest option, averaging $121 a month.

Here’s a compilation of car insurance companies with the most economical rates for drivers who have had an at-fault accident.

Cheapest Rates In Boston For Drivers After A DUI: State Farm

With average monthly premiums of $142, State Farm stands out as the most cost-effective option for Boston drivers after a DUI.

Check the table below to see the lowest rates available for Boston drivers with a DUI.

Best Car Insurance Companies In Boston

In Boston, Chubb offers the lowest insurance premium at $39 a month. State Farm and GEICO are also worth considering, with rates of $58 and $77per month, respectively.

Shown below is a ranking of the top 10 car insurance companies in Boston, MA, according to their average monthly rates.

Average Cost Of Auto Insurance In Boston – By Zip Code

Insurers use zip codes to gauge crime levels in your location, which leads to unique car insurance rates for each zip code.

The following table displays average insurance rates for each zip code in Boston.

Average Auto Insurance Rates In Boston – By Age

In car insurance rates, age is a significant determinant. Younger drivers generally have to pay more because of their lack of experience and the greater likelihood of accidents. Teenagers can expect their annual car insurance costs to be about $3,280.

When drivers turn 25, they often find that their insurance rates start to drop, as long as they keep a clean driving record.

Those in their 50s and early 60s often enjoy the most competitive insurance rates. Insurers rely on age as a benchmark for assessing driving experience and risk, which plays a significant role in determining premium costs.

Average Rates In Boston – By Vehicle

Your car’s type is a key factor in your insurance costs, with providers looking at details such as make, model, year, and body style. Newer vehicles, especially luxury models with advanced tech and high replacement costs, tend to be more expensive to insure.

The following table shows the average rates in Boston for a range of vehicle types.

How Much Is Car Insurance In Other Cities In Massachusetts?

Car insurance rates are highly influenced by your location. Insurance companies consider factors such as accident risk, theft, and vandalism rates, which tend to be greater in urban areas, often leading to increased premiums.

For example, Brockton drivers generally pay around $298 monthly for car insurance, whereas Cambridge residents enjoy a lower average rate of $193 per month.