Cheapest Car Insurance Quotes In Boston, MA For 2024

Hanover emerges as the most economical choice in Boston, offering an average rate of $37 per month.

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Updated: 01 April 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Boston, MA, options can vary, but one company stands out for its competitive rates: Hanover. On average, residents can obtain car insurance for about $37 per month, significantly below the state’s average of $108.

For individuals seeking the most economical liability-only coverage, GEICO emerges as the top choice. Meanwhile, those desiring more comprehensive protection will find that Safety offers the best rates for full coverage policies, priced at $92 a month. However, State Farm offers the most affordable rates for young drivers, coming in at $38 per month.

Cheapest Car Insurance Companies In Boston, MA

Cheapest Car Insurance, Boston, MA

Our Methodology

Based on a comprehensive analysis that considers customer service ratings, product options, pricing, and thorough evaluations of various online review sites and user experiences, I've developed a detailed understanding of the landscape of car insurance providers in Boston, MA. This perspective is informed by over 15 years of direct involvement in the industry as a licensed insurance agent. Throughout this time, I've had numerous interactions with representatives from different companies and gained valuable insights from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Boston, MA?

Hanover provides the most affordable car insurance in Boston, MA, with coverage available for $140 per month. This rate is significantly lower than the average rates in both Massachusetts and the entire United States, as demonstrated in the table below:

Area Average Monthly Rate
National $152
Massachusetts $108
Boston, MA $140

It’s important to consider that the average national cost includes both high-cost states like New York, New Jersey, and California, as well as low-cost states like Mississippi, Kentucky, and Wyoming. Rates can vary significantly by location due to various factors, including vehicle type, coverage amount, zip code, driving record, and more.

Cheapest Car Insurance Rates In Boston For Full Coverage

Safety offers the most affordable car insurance rates for full coverage in Boston, with average quotes at $92 per month.

Provider Average Monthly Cost Average Annual Cost
Safety $92 $1,286
GEICO $95 $1,141
Progressive $146 $1,749
Farmers $154 $1,844
Hanover $172 $2,062

Full coverage car insurance offers comprehensive protection that extends beyond the basic coverage mandated by law. This type of insurance typically combines comprehensive and collision coverages.

Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Boston For Minimum Coverage

Hanover stands out as the most budget-friendly car insurance provider for minimum coverage in Boston, offering an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
Hanover $37 $439
Progressive $42 $500
GEICO $43 $514
Safety $48 $574
Farmers $49 $581

The minimum car insurance requirement policy should include at least the following:

  • $20,000; Bodily injury coverage per person
  • $40,000; Bodily injury coverage per accident
  • $5,000; Property damage per accident

Having minimum car insurance offers some protection while driving, but it does not include collision or comprehensive insurance. This means damages to your own vehicle in accidents or incidents like theft and natural disasters won’t be covered.

Driving without insurance is illegal in Massachusetts. Failing to show proof of insurance during a traffic stop can lead to various penalties, including fines, license suspension, or other consequences.

Cheapest Car Insurance Rates In Boston For Seniors

State Farm offers the most affordable car insurance rates for seniors in Boston, with average quotes at $28 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $28 $334
Chubb $92 $1,095
Allstate $93 $1,107
Progressive $101 $1,213
Amica $104 $1,249

In Massachusetts, many seniors may benefit from advantageous car insurance rates influenced by various factors. While age is often considered in insurance rate determinations, with older age occasionally associated with decreased driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Boston For Teenagers

Teenage drivers in Boston can obtain the most affordable quotes from State Farm, with average monthly premiums of $200.

Provider Average Monthly Cost Average Annual Cost
State Farm $200 $2,398
Norfolk and Dedham Group $442 $5,302
USAA $240 $2,878
Preferred Mutual $450 $5,398
Plymouth Rock Assurance $280 $3,358

Teenage drivers typically encounter the highest car insurance premiums primarily because of their inexperience behind the wheel. Insurance providers classify these young motorists as a high-risk category because they are statistically more likely to be involved in accidents and commit traffic infractions.

Cheapest Car Insurance Rates In Boston For Young Adults

State Farm provides the most affordable quotes for young adults in Boston, with rates averaging around $38 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $38 $454
GEICO $90 $1,078
Chubb $110 $1,318
Allstate $115 $1,378
Travelers $175 $2,098

In Massachusetts, young adult drivers usually enjoy lower car insurance rates compared to their teenage counterparts. This difference in pricing is attributed to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, reflecting a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Boston For Good Drivers

Good drivers in Boston can access the most affordable car insurance quotes from Hanover, averaging around $37 per month.

Provider Average Monthly Cost Average Annual Cost
Hanover $37 $439
Progressive $42 $500
GEICO $43 $514
Safety $48 $574
Farmers $49 $581

Drivers with clean records in Boston typically receive lower car insurance rates because they’re seen as lower risk. Insurance companies use driving records to assess how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Insurers determine rates based on the likelihood of a driver making a claim. A spotless driving record can result in significant savings on premiums. It’s all about assessing risk – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Boston For Drivers With Prior Incidents

In Boston, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk, anticipating a greater likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Boston For Drivers With A Speeding Ticket

State Farm stands out as a highly affordable option compared to other companies, with average rates of $43 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $43 $514
Travelers $210 $2,518
Geico $90 $1,078
Allstate $105 $1,258
Progressive $153 $1,834

Cheapest Car Insurance Rates In Boston For Drivers With An At-Fault Accident

State Farm provides the most economical car insurance quotes for drivers with an at-fault incident, boasting an average rate of $58 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $58 $694
Travelers $259 $3,218
Geico $123 $1,474
Progressive $180 $2,158
Allstate $173 $2,074

Cheapest Car Insurance Rates In Boston For Drivers After A DUI

State Farm stands out as the company offering the most budget-friendly rates for drivers with a DUI in Boston, providing average monthly premiums of $70.

Provider Average Monthly Cost Average Annual Cost
State Farm $70 $838
Travelers $269 $3,226
Progressive $142 $1,702
Geico $142 $1,702
Allstate $215 $2,578

Best Car Insurance Companies In Boston

For drivers in Boston, MA, selecting the right car insurance company involves balancing affordable rates with reliable protection on the road. Below are the top 10 car insurance companies in Boston, ranked by the average monthly rate they offer.

Company Monthly Premium
Preferred Mutual $115
National Grange Mutual $187
Norfolk and Dedham Group $112
Safety Group $110
Plymouth Rock Assurance $152
USAA $128
Pure Companies Group $148
State Farm $72
Arbella $178
Metropolitan $150

Average Car Insurance Rates By Age In Boston

Age Average Yearly Rate
Teenagers $2,916
20s $1,536
30s $1,308
40s $1,188
50s $1,128
60s $1,176
70s $1,308

Age plays a significant role in determining car insurance rates. Typically, younger drivers, especially teens and young adults, face higher insurance premiums due to their inexperience and statistically higher likelihood of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a metric to assess driving experience and risk potential, which influences the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Boston

Vehicle Average Monthly Rate
Chevrolet Express G1500 $62
Nissan Sentra $144
Acura Tl $136
Hyundai Accent $126
BMW X2 $117

The type of vehicle you drive significantly impacts your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly affect the potential cost of claims – for example, repairs for a high-end car are generally more expensive than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Massachusetts?

City Average Monthly Rate
Holyoke $97
Quincy $103
Brockton $151
Cambridge $93
Worcester $118
Springfield $110
Fall River $115
New Bedford $120
Lawrence $132
Medford $110

The city where you reside has a significant impact on your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often leads to higher premiums.

FAQs

Who has the lowest car insurance rates in Boston?

The lowest car insurance rates in Boston are provided by Hanover for the minimum coverage required by the State of Massachusetts, and Safety for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Boston?

The average cost of car insurance in Boston is approximately $140 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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