Compare the Cheapest Car Insurance Quotes in Boston, MA
The Cheapest and Best Car Insurance in Boston
The Cheapest Car Insurance Companies in Boston
Full coverage car insurance rates are normally higher than minimum coverage premiums because full coverage policies provide more auspices. On average, the most low-cost insurers in Boston for a full coverage car indemnity policy are :
- Safety Group: $730 per year
- Plymouth Rock Assurance: $778 per year
If you are in the military, you qualify for a policy from USAA. however, these are not the cheapest in the city. The most expensive full coverage car policy in Boston comes from Travelers with an median annual cost of $ 2,356. Your rates may change depending on your drive record and coverage amount .
Cheapest Car Insurance in Boston
Full Coverage 100/300/100 MoneyGeek used a 40-year-old sample driver with a full moon coverage policy to determine the best car policy providers in Boston. The sample distribution policy details are highlighted in our methodology. minimum coverage costs less than broad coverage car insurance since it lone meets the state ’ randomness requirements. Full coverage costs more because it has the following two protections :
- Comprehensive Insurance: Covers the damage caused by vandalism, theft and other non-collision-related accidents
- Collision Insurance: Covers any damage caused as a result of hitting a stationary object or another vehicle
MoneyGeek recommends minimal coverage insurance for drivers with older vehicles. This is because the cost of a full coverage policy could be higher than the respect of an honest-to-god car. Loading …
Cheapest Car Insurance in Boston for Minimum Coverage
The cheapest car insurance coverage in Boston is the state minimal insurance. however, minimum coverage policy may not provide you with adequate coverage, so you might need to cover some costs out of pocket. On modal, the cheapest minimum car policy coverage in Boston come from :
- State Farm: $323 per year
- Plymouth Rock Assurance: $337 per year
USAA policies cost $ 390 per year on average, making them an low-cost choice for military families. Travelers has the highest rates in the city at an average of $ 1,183 per class. Your rates for the submit minimum car policy policy may be higher or lower than these average rates depending on your coverage come. You can use the table below to find costs for your ideal limit .
Cheapest Minimum Liability Car Insurance in Boston
state Minimum Minimum liability entirely car indemnity meets the country ’ mho minimum requirements. In Boston, your policy limits should be at least 20/40/5. It should besides have uninsured motorist coverage and a PIP specify of at least $ 8,000 per accident. If you get involved in an at-fault accident and the medical expenses or car damage costs surpass these limits, you will need to pay the difference out of pocket. For case, if the aesculapian bill is $ 35,000, your insurance company will only pay $ 20,000, and you will be required to pay the counterweight of $ 15,000 .
Massachusetts Minimum Liability Requirements
- detail description
- Bodily Injury and Property Damage $ 20,000 per person, $ 40,000 per accident and $ 5,000 for property damage. A more protective level is 100/300/100 .
- Uninsured motorist $ 20,000 per person and $ 40,000 per incident. The minimal coverage may not be enough if you ‘re in a dangerous accident .
- personal Injury Protection $ 8,000 per accident .
Cheapest Car Insurance in Boston if You Have Driving Violations
The price of cable car indemnity largely depends on your driving background. If you have a history of violations like DUIs and speeding tickets, you will pay higher rates for car indemnity. On average, the lowest car indemnity rates for drivers in Boston with austere violations are from :
- Cheapest after a ticket: GEICO, $892 per year
- Cheapest after an at-fault accident: Plymouth Rock Assurance, $1,176 per year
- Cheapest after a DUI: Plymouth Rock Assurance, $1,226 per year
Drivers can lower their rates over meter by improving their records. If you have a travel rapidly slate, at-fault accident or even a DUI, you can still find the cheapest car insurance by shopping around .
Cheapest Car Insurance in Boston With a Violation
Average Cost of Car Insurance in Boston
In Boston, the average annual car insurance rate is $ 1,112, which is the lapp as the Massachusetts state of matter average and a lot lower than the national average cost of car coverage. Drivers in Boston pay the same measure, on median, per year as the average driver in Massachusetts, and 21.9 % less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Boston
When determining car policy quotes in Boston, car indemnity companies use multiple factors to assess the risk associated with the driver. These elements include age, gender and ZIP code, along with the form and model of the fomite. For case, in Boston, a GEICO policy for an 18-year-old driver is over 150 % more expensive than a policy for a 40-year-old driver. It is advisable to regularly get a personalize quotation mark as it can help you find low-cost coverage as your circumstances switch. Loading …
The Best Car Insurance Companies in Boston
MoneyGeek scored the top car policy providers in Boston to help you secure the best policy for your needs. The companies with the highest MoneyGeek scores balance affordability and user satisfaction. These include :
- GEICO: MoneyGeek score of 93 out of 100
- Allstate: MoneyGeek score of 88 out of 100
MoneyGeek considered factors such as affordability, customer gratification and fiscal stability in its calculations. Although USAA scored 100 out of 100, it is not among the best companies overall because it lone serves former and stream military members and their families .
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 3
3/5 Affordability 4/5 Claims Ratings 4/5 User Satisfaction A+ fiscal stability 4
3/5 Affordability 4/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 5
4/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 6
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 7
Read more: The 7 Best Car Insurance Companies (2022)
2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 8
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 9
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 10
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 11
sexual conquest :
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 12
Arbella Insurance Group
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 13
Plymouth Rock Assurance
3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 14
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability
Average Cost of Car Insurance by Postal Code
Where you live in Boston can play a big part in how much your car insurance will cost. ZIP code makes a deviation because of factors such as car thefts, number of accidents and more. For example, those living in Boston ’ s most low-cost vicinity for car policy — ZIP code 02118 — will pay an average $ 218 less in annual car indemnity premiums than drivers living in the 02128 region, the city ’ s costliest ZIP code for car coverage .
- Zip Code State Minimum
Factors That Impact Insurance Costs in Boston
In addition to individual driver needs and history, location-specific factors like personal injury protective covering coverage requirements and the rate of car thefts besides contribute to car indemnity rates in Boston. How Boston ranks compared to the 300 most populous cities in the United States can have a significant impingement on premium costs . Most Accidents With Fatalities
/ 300 Most car Thefts
/ 300 Most uninsured Motorists by State
/ 50 personal Injury Protection Required Yes Most annual rain
/ 300 Most showery Days
Methodology and Assumptions
MoneyGeek ’ mho median bounty rates for Boston are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The modal driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their read. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek ’ s data and methodology hera. About the author
Mark Fitzpatrick is a elder content director with MoneyGeek specializing in policy. Mark has years of have analyzing the indemnity market and creating original research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .
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