Boston is the most dumbly populate city in Massachusetts, which means residents pay more to insure their cars. A minimal coverage car indemnity policy in Boston averages at $ 933 per year, which is 29 % more expensive than the submit average of $ 764 .
The best way for Boston residents to keep their rates low is to compare rates from multiple insurers .
Insurers calculate your rates based on the hazard they think you pose. The risk factors taken into account vary among unlike companies but often include factors like where you live and whether you have incidents in your driving history. If you ‘re looking for your best rate, begin by comparing quotes from at least three companies.
Cheapest auto insurance in Boston: The Hanover
The cheapest rates for a minimum coverage policy in Boston come from The Hanover. A minimal coverage policy costs fair $ 456 per year, making it $ 477 cheaper than the city average of $ 933 per year. Safety Insurance offers the second-most low-cost rates for minimum coverage. Its annual bounty is $ 503 per year on average, which comes out to precisely $ 11 more per month than The Hanover. Geico is following in terms of affordability, charging $ 583 per year. We recommend starting your search for bum car insurance in Boston with these three companies .
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Cheapest full coverage car insurance in Boston: Safety
If you prefer to protect your car with full coverage, we recommend getting a quote from Safety. Safety charges Boston drivers $ 1,384 per annum for full moon coverage. That ‘s $ 1,333 cheaper than the city average and $ 112 cheaper than the rate from Geico, the next-cheapest insurance company .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Safety | $1,384 |
| 2 | Geico | $1,496 |
| 3 | Progressive | $1,918 |
| 4 | The Hanover | $2,093 |
| 5 | Arbella | $3,026 |
| 6 | Travelers | $4,086 |
| 7 | Plymouth Rock | $5,014 |
A full coverage policy includes collision and comprehensive coverage, in addition to the minimal coverage legally required in Massachusetts. Mandatory minimum coverage in Massachusetts covers your injuries and legal fees you may incur if you hit another driver up to a certain restrict, but it does not cover any price to your own cable car .
- Comprehensive coverage: Pays for damage to your car that happens when you’re not on the road, such as damage from animals, falling objects or theft.
- Collision coverage: Pays for damage that results from a crash, no matter who is at fault.
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Cheap car insurance for drivers with prior incidents
If you have incidents on your drive record, your insurance company will probable view you as a riskier customer than a driver with a clean record and increase your rates. With this in thinker, we recommend the take after policy companies for Boston drivers who have :
Cheapest car insurance in Boston after an accident: Geico
average rates go up by 50 % for Boston drivers after they get into an at-fault accident, from $ 2,717 per year to $ 4,079 .
If you purchase a policy from Geico, however, you can get wide coverage for 47 % less than median. Drivers with an at-fault accident on their record yield just $ 2,147 if they insure their cable car with Geico .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Geico | $2,147 |
| 2 | Safety | $2,774 |
| 3 | Progressive | $2,792 |
| 4 | The Hanover | $3,699 |
| 5 | Arbella | $4,828 |
| 6 | Plymouth Rock | $5,643 |
| 7 | Travelers | $6,673 |
Cheapest car insurance for people with a speeding ticket: Geico
We found that car indemnity rates increase by 35 % after a speed tag, from $ 2,717 per year to $ 3,529 per year for fully coverage. That ‘s not ideal, but it ‘s surely less expensive than the increase after an at-fault accident ( 50 % ) or a DUI ( 66 % ) .
Geico offers the most low-cost rates for Boston drivers who get a travel rapidly ticket. The city average is $ 3,529 annually, but Geico charges $ 1,889 less — barely $ 1,640 annually.
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Geico | $1,640 |
| 2 | Safety | $2,247 |
| 3 | Progressive | $2,479 |
| 4 | Arbella | $3,316 |
| 5 | The Hanover | $3,403 |
| 6 | Travelers | $5,441 |
| 7 | Plymouth Rock | $7,203 |
Cheapest car insurance for drivers with a DUI: Progressive
A citation for driving under the influence of alcohol ( DUI ) is one of the more serious citations you can have on your criminal record. As such, insurers raise your rates significantly. The median cost of car indemnity in Boston after a DUI is $ 4,501 per class for wide coverage .
Boston drivers seeking low-cost policy after a DUI should get a quote from Progressive. Progressive raises annual premiums by fair 17 % after a DUI, from $ 1,918 per year to $ 2,241. That comes out to just $ 323 more per year, or $ 27 more each calendar month.
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Progressive | $2,241 |
| 2 | Geico | $2,438 |
| 3 | The Hanover | $3,050 |
| 4 | Safety | $3,942 |
| 5 | Arbella | $5,973 |
| 6 | Travelers | $6,456 |
| 7 | Plymouth Rock | $7,407 |
Cheapest car insurance for young drivers: Geico
Young drivers pay more for car policy than their adult counterparts. Insurers view their inexperience on the road as a sign of increased risk and raise rates to account for that. A sample 18-year-old Boston driver was charged $ 7,445 per year on median — 174 % more than a 30-year-old driver .
Geico has the cheapest rates for young Boston drivers, charging $ 3,796 per class for a full coverage policy. While that ‘s surely expensive, it ‘s 49 % cheaper than the city average .
|
Rank |
Company |
Annual rate |
|---|---|---|
| 1 | Geico | $3,796 |
| 2 | Safety | $6,597 |
| 3 | The Hanover | $6,615 |
| 4 | Progressive | $7,131 |
| 5 | Travelers | $7,765 |
| 6 | Arbella | $8,868 |
| 7 | Plymouth Rock | $11,346 |
adolescent drivers who want to avoid paying these sky-high rates should stay on their parents ‘ policy if at all possible. ValuePenguin found that keeping a adolescent on a parent ‘s policy can cost half vitamin a much as a adolescent taking out their own policy .
early ways for teens to reduce their car indemnity rates include taking a defensive drive run or maintaining good grades. Insurers view these steps as a sign of decreased hazard and offer discounts because of it .
Best auto insurance companies in Boston, Massachusetts
You pay your insurance company to be there for you in the consequence of an accident, and while everyone likes cheap rates, authentic customer serve matters just adenine much .
Recognizing this, ValuePenguin polled customers of top insurers in Massachusetts and found that the companies with the highest rates of satisfaction were Progressive, Geico and Travelers .
We polled customers across the state and found that Progressive provided customers with the best claim feel, with 74 % saying they were “ extremely meet ” with their most late call .
For more detailed information about the customer service reputations of the insurers in this study, check out our psychoanalysis of the best brassy Massachusetts car policy .
Auto theft statistics in Boston
Boston is the most populous city in Massachusetts, but 2018 FBI crime datum shows that it experiences relatively low rates of car larceny. Of the 10 largest cities in the submit, Brockton has the highest per head pace of car larceny, while Boston has the lowest. Around 3.2 cars are stolen for every 1,000 residents in Brockton, while in Boston, that number drops to 1.7 cars stolen for every 1,000 residents .
|
Theft rank |
City |
Population |
Motor vehicle thefts in 2018 |
Thefts per 1,000 people |
|---|---|---|---|---|
| 10 | Boston | 694,673 | 1,154 | 1.7 |
| 9 | Worcester | 186,188 | 340 | 1.8 |
| 8 | New Bedford | 95,106 | 181 | 1.9 |
| 7 | Lowell | 111,989 | 217 | 1.9 |
| 6 | Lynn | 94,558 | 218 | 2.3 |
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Methodology
ValuePenguin pulled quotes from seven of the largest policy companies in Massachusetts for this study, using rate data from Quadrant Information Services. Unless otherwise noted, our sample driver is a 30-year-old world who has a full coverage policy on the 2015 Honda Civic EX he owns. He has no credit history, which for indemnity purposes makes him equivalent to a driver with below-fair or low credit, according to Quadrant .
The full coverage policy used in this analysis had the stick to limits :
|
Coverage type |
Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
quadrant Information Services supplied the rate data in this analysis. Rates were publicly sourced from insurance company filings and are intended for comparative purposes only. Your own quotes could differ .
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