Cheapest Car Insurance In Boston, MA 2025
Plymouth Rock offers the cheapest liability-only car insurance in Boston, with an average rate of $47 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Boston, MA, the options can vary greatly.
For those seeking the cheapest liability-only coverage, Plymouth Rock emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that State Farm offers the best rates for full coverage policies. While Plymouth Rock offers the cheapest car insurance rates for young drivers.
Key Takeaways
Boston’s cheapest liability-only car insurance company is Plymouth Rock.
Car insurance in Boston costs an average of $114 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Boston – Plymouth Rock
Plymouth Rock is the cheapest car insurance company for minimum coverage car insurance in Boston, with an average monthly cost of $47.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| Plymouth Rock | $47 | $564 |
| Safety | $49 | $588 |
| State Farm | $59 | $708 |
| The Hanover | $51 | $612 |
Cheapest Full Coverage Insurance In Boston – State Farm
State Farm has the cheapest car insurance rates for full coverage. Their quotes average $109 a month in Boston.
The table below compares average auto insurance quotes from affordable insurers in Boston.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $118 | $1,416 |
| Plymouth Rock | $114 | $1,368 |
| Safety Insurance | $121 | $1,452 |
| State Farm | $109 | $1,308 |
| Travelers | $123 | $1,476 |
Cheapest Car Insurance For Senior Drivers – Plymouth Rock
Plymouth Rock offers the cheapest car insurance policy for seniors in Boston, at an average rate of $109 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $116 | $1,392 |
| GEICO | $112 | $1,344 |
| Plymouth Rock | $109 | $1,308 |
| Safety Insurance | $118 | $1,416 |
| State Farm | $114 | $1,368 |
Cheapest Car Insurance In Boston For Teenagers – Plymouth Rock
Teenage drivers in Boston can find the cheapest quotes from Plymouth Rock, with average monthly premiums of $361 .
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica | $392 | $4,704 |
| GEICO | $378 | $4,536 |
| Plymouth Rock | $361 | $4,332 |
| Safety | $374 | $4,488 |
| State Farm | $386 | $4,632 |
Find Affordable Boston Rates
Cheapest Car Insurance In Boston After A Speeding Ticket – State Farm
State Farm offers the cheapest car insurance in Boston, with average rates of $158 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $171 | $2,052 |
| GEICO | $164 | $1,968 |
| Plymouth Rock | $176 | $2,112 |
| Safety Insurance | $182 | $2,184 |
| State Farm | $158 | $1,896 |
Cheapest For Drivers With After At-Fault Accident – State Farm
State Farm offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $154 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Arbella Insurance | $172 | $2,064 |
| GEICO | $158 | $1,896 |
| Plymouth Rock | $163 | $1,956 |
| Safety Insurance | $169 | $2,028 |
| State Farm | $154 | $1,848 |
Cheapest Rates In Boston For Drivers After A DUI – Plymouth Rock
Plymouth Rock offers the cheapest rates for drivers after a DUI in Boston, with average monthly premiums of $185.
Drivers in Boston with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Amica Mutual | $212 | $2,544 |
| GEICO | $198 | $2,376 |
| Plymouth Rock | $185 | $2,220 |
| Safety Insurance | $205 | $2,460 |
| State Farm | $190 | $2,280 |
Best Car Insurance Companies In Boston
Drivers in Boston can find the most affordable insurance with USAA for $162 a month. Boston drivers might want to also consider Plymouth Rock at $169 a month, or GEICO at $176 per month.
Shown below are the top 10 car insurance companies in Boston, MA, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $212 |
| Amica Mutual | $184 |
| Arbella Insurance | $191 |
| GEICO | $176 |
| Liberty Mutual | $205 |
| MAPFRE Insurance | $188 |
| Plymouth Rock | $169 |
| Progressive | $198 |
| Safety Insurance | $186 |
| USAA | $162 |
Average Car Insurance Cost In Boston
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Boston is $114 per month, compared to the Massachusetts state average of $142, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| Massachusetts | $142 |
| Boston | $114 |
Average Auto Insurance Rates In Boston – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,345 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,345 |
| 20s | $3,045 |
| 30s | $2,685 |
| 40s | $2,525 |
| 50s | $2,415 |
| 60s | $2,335 |
| 70s | $2,495 |
Average Car Insurance Rates In Boston – By Vehicle
The type of vehicle you own plays a significant role in determining 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, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Boston for different vehicles.
| Vehicle | Average Monthly Rate |
| Hyundai Elantra | $188 |
| Jeep Grand Cherokee | $206 |
| Nissan Altima | $192 |
| Subaru Crosstrek | $197 |
| Tesla Model 3 | $236 |
Find Affordable Boston Rates
Average Cost Of Auto Insurance In Boston – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Boston.
| Zip Code | Average Monthly Rate |
| 02118 | $212 |
| 02124 | $219 |
| 02128 | $225 |
| 02135 | $208 |
| 02215 | $214 |
How Much Is Car Insurance In Other Cities In Massachusetts?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Malden can expect to pay around $148 per month for car insurance, while residents of Holyoke pay an average rate of $138 per month.
| City | Average Monthly Rate |
| Holyoke | $138 |
| Lowell | $145 |
| Medford | $143 |
| Malden | $148 |
| Worcester | $147 |
FAQs
Who has the lowest car insurance rates in Boston?
The lowest car insurance rates in Boston are offered by Plymouth Rock for the minimum coverage required by the State of Massachusetts and State Farm 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 about $114 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Boston, MA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
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