Best Cheap Car Insurance in Boston | Bankrate

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Bankrate Insight

  • Geico sells the best cheap full coverage insurance in Boston on our list with an average premium of $1,083 per year.
  • Amica’s average minimum coverage is just $501 per year, making it the best cheap minimum coverage car insurance carrier in Boston on our list.
  • Plymouth Rock also offers competitive full coverage car insurance, with an average annual premium of $1,151.

Best car insurance companies in Boston

Based on our research, Amica, Geico, The Hanover and Plymouth Rock are some of the best car insurance companies in Boston. Bankrate ’ s indemnity editorial team analyzed average premiums, available coverages, discounts, policy features and third-party rankings for the largest policy carriers in the city. When shopping for car insurance, Boston drivers might want to get quotes from these companies .

Insurance company J.D. Power auto insurance study score
(New England region)
Average annual premium for minimum coverage Average annual premium for full coverage
Amica 867/1,000 $501 $1,858
Geico 841/1,000 $537 $1,083
The Hanover Not rated $472 $1,693
Plymouth Rock 804/1,000 $408 $1,151

Amica

For more than 20 years, Amica has earned the highest official rank from J.D. Power in the New England region. The organization ’ s annual car policy study ranking is based on customer satisfaction in several areas, including charge and claims service. If you are looking for a company with exceeding customer service, Amica could be a commodity fit. The company besides offers unique dividend policies which can return up to 20 % of your car indemnity premium each year. Learn more: Amica Insurance follow-up

Geico

Of all the indemnity companies in Boston, Geico offers the cheapest average fully coverage agio on our list. If budget is your elementary concern, getting a quote from Geico might be a thoroughly idea. The company ’ second average premiums might be so moo due to the farseeing list of available discounts. You could save for being a safe driver, a federal employee, a military service member or a penis of an approve organization like an alumnus group. Learn more: Geico Insurance review

The Hanover

The Hanover is a Massachusetts-based company with some courteous perks for Boston drivers. Its rates are competitive, and it has some coverage options and discounts that not all companies offer. Its Prestige Auto box, for exercise, is for high-end vehicles, and you get global rental coverage, rental upgrade and full refilling monetary value for newer cars. The company besides offers accident forgiveness, deductible dividends and original manufacturer equipment ( OEM ) coverage. Learn more: The Hanover Insurance review

Plymouth Rock

Plymouth Rock Assurance is a regional insurance company that sells policies in respective New England states, including Massachusetts. Plymouth Rock offers a few singular features. If you are a penis of an approved membership-based motor baseball club, you might get a discount rate on your insurance. And with the Get Home Safe program, Plymouth Rock will pay for a cab or ridesharing service if you are in a situation where you do not feel safe drive. Learn more: Plymouth Rock Insurance review

Cheapest car insurance in Boston

The average annual monetary value of car indemnity in Boston is $ 613 for minimum coverage and $ 1,554 for wide coverage, slightly above the annual average for Massachusetts, which is $ 510 for minimal coverage car insurance and $ 1,223 for full coverage. If you are looking for the cheapest car indemnity in Boston, expect at the following five companies, which all offer annual rates below the Boston average .

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
The Hanover $472 $1,693
Amica $501 $1,858
Geico $537 $1,083
MetLife* $555 $1,327

*MetLife was recently purchased by The Farmers Insurance Group. many of these companies were besides included in our “ best ” list. And although these premiums are broadly lower than Boston ’ sulfur average, depending on the coverage level you are looking for, and you should keep in mind that car policy rates are personalized. Your individual rat factors, including your driving history, the type of car you drive and your coverage limits, will all impact how much you pay .

Boston insurance requirements

Like most states, Massachusetts requires you to carry a minimum total of car indemnity to drive legally in the express. That minimum is :

  • $20,000 for bodily injury liability per person
  • $40,000 for bodily injury liability per accident
  • $5,000 for property damage liability per accident
  • $8,000 in personal injury protection (PIP)
  • $20,000 for injuries from an uninsured motorist per person
  • $40,000 for injuries from an uninsured motorist per accident

It is important to note that the minimum requirements may not be enough in an accident. Most indemnity professionals recommend that you purchase higher liability limits if you can afford them. If you cause an accident and the damages exceed your liability limits, you will be responsible for the overage out of pouch. Higher liability limits provide you with greater fiscal protective covering. additionally, state of matter minimum coverage does not include comprehensive or collision indemnity, which covers damage to your vehicle. You may want to consider these coverages if your car is newer or if you do not have the funds to pay for repairs out of pocket. If you have a lend or lease on your vehicle, your fiscal initiation will probable require you to carry a fully coverage policy, including comprehensive and collision .

Car insurance discounts in Boston

Most car policy companies in Boston crack discounts, which can lower your agio well and help you get brassy car indemnity coverage. When you are building your policy, be sure to ask your agent what discounts you might be eligible for — many can be easy to earn. here are some common ones in Boston :

  • Student discounts: If your teen or young adult driver has a B or better letter-grade average and is a full-time student, you may earn a discount on your policy.
  • Good driver: Many insurers use telematics technology, which can be managed with an app or plug-in device, to gain real-time information about your driving skills. If you prove to be a safe driver, you might earn a personalized discount.
  • Vehicle safety features: If your car has airbags, anti-lock brakes or other safety features, you might qualify for this discount.
  • Pay in full: If you can afford to pay your premium in one payment, you may be able to save money and avoid monthly billing fees.
  • Customer loyalty: Once you are with the same company for a certain number of years, you may get a price break.

Every insurance company offers different discount options, then researching a party ’ randomness deduction might help you understand how many savings opportunities you qualify for. Although discounts are much listed on-line, talking with an agentive role or caller congressman might be the best way to determine what discounts are right for you .

Frequently asked questions

What is the best car insurance company?

The best car indemnity caller for you will vary based on several factors. The car policy company that is best for one driver might not be best for person else. Your driving history, the discounts you qualify for, the coverages you are seeking and your priorities regarding insurance will all affect what car insurance ship’s company is best for you. Getting quotes from several of the largest car insurance companies and smaller companies that fit your needs can help you find the best policy for your needs .

How much does car insurance in Boston cost?

The average annual cost of a car insurance policy in Boston is $ 613 for minimum coverage and $ 1,554 for broad coverage, which includes collision and comprehensive examination. Your car insurance quotes in Boston will differ, depending on factors such as the age and exemplary of your cable car and your age .

How much car insurance do I need in Boston?

The minimum indemnity required in Massachusetts is 20/40/5, along with personal wound protection and uninsured motorist coverage. You will not be able to purchase less than the minimum ask coverages. however, the amount of coverage that you need will depend on your alone situation. If you have a loanword or lease, you will need full coverage. The limits you choose will depend on the value of your overall assets, your personal degree of gamble allowance and your specific driving habits like how often and how far you drive. Working with an agent is often the best way to determine the coverage that is proper for you.

Read more: Insurance Discounts

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive phonograph record, good accredit and the stick to full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state of matter ’ second requirements. Our base profile drivers own a 2019 Toyota Camry, permute five days a week and repel 12,000 miles annually. These are sample rates and should only be used for relative purposes .

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