UPDATED: Mar 13, 2020
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Cheap Car Insurance in Boston, MA
Are you looking for auto insurance in Boston? With AutoInsuranceEZ.com, anyone will be able to find the best insurance rates in their town. To receive free car insurance quotes straight from some major providers today, all you have to do is enter your local zip code!
Boston is one of those famous American cities which needs almost no introduction. During the maritime and colonial eras, it was the New York City of its day. Because of its geography and placement on the Atlantic Ocean, it was the financial capital of the colonies, a travel hub, and a strategic deep-water port for military vessels. Despite recent economic hardships, Boston has been in the middle of a financial recovery since the early 1990’s and is currently working hard to improve its infrastructure.
- Fun fact: break out your green, because Boston is #1 (02127) on the list of “Top 101 zip codes with the largest percentage of Irish first ancestries (pop 5,000+)”!
Auto Insurance Coverage Requirements in Massachusetts
Driving legally in Boston requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||5,000||50,000|
|Uninsured Motorist Bodily Injury||20,000/40,000||100,000/300,000|
|Medical Payments||Not required||10,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Uninsured Motorist Liability is something which is fairly common across the country, but isn’t a legal requirement in every state. It is, however, a requirement for Massachusetts. This means you will likely be protected in the event of a hit-and-run accident.
It might cost as much as $134 per month for the average Massachusetts driver to stay insured. But Bostonians can get super low rates – as low as $67/mo* – if they act now. Keep reading for more details.
If you want the lowest rate in Boston, you can’t go wrong with either Encompass, Amica, or National Grange Mutual. But if you want the best customer service or the best company for filing a claim with, you may have to look past a tantalizing low rate.
Auto insurance companies consider many variables when assessing how much to quote you, including your driving experience, where you live, credit score/rating, how many miles you drive each year, and whether you use your vehicle for business, pleasure, or both. Also keep in mind that premiums will change from company to company. To verify you’re still getting the most favorable price, compare low-cost Boston auto insurance quotes right now online.
Major Car Insurance Factors in Boston
There are lots of ways in which your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take in order to impact what discounts you are entitled to obtain. Listed here are a few of these factors in greater detail:
Your Zip Code
Your auto insurance rates can vary according to where you call home. In general, highly populated areas have higher auto insurance rates because the extra number of drivers on the streets boosts the probability of a car accident! The total population of Boston is 645,966 and the average household income is $53,583.
Serious accidents are unfortunately more common in Boston than they are in other parts of the state. This is also bad for your automotive insurance premiums, because it could be inflating your premiums in ways you can’t control. But some providers may offer Safe Driver discounts, so be sure to ask your agent about them.
Auto Thefts in Boston
Auto theft is a significant problem, especially in densely populated cities. If your locale and/or vehicle model place you at a higher risk for theft, you may have issues obtaining low-cost car insurance. The full total of stolen automobiles in Boston was 1,610 back in the year 2013. But just because auto thefts are on the decline doesn’t mean you should neglect your Comprehensive coverage.
Your Credit Score
Massachusetts is one of only three states in which it is illegal for auto insurance companies to alter your rates based on your credit score. While this might save some motorists money, you can bet that insurance companies are probably charging every driver a little bit more to offset these losses.
Unfortunately, young drivers are the most likely to get into an expensive accident, statistically speaking. And major insurance companies prefer to charge them higher rates in order to offset the potential risk of paying out expensive claims. If you’re a teenage driver and you’re still in school, ask about Good Student and Driver’s Ed discounts. They can save you a ton in premiums.
Your Driving Record
Several major insurance providers are adopting an “accident forgiveness” discount policy. This means that your provider will offer to ignore one or more recent minor driving violations in favor of offering you a lower rate.
If you have a common, inexpensive car, it will be much easier to fix or replace should the worst happen than an expensive, luxury vehicle. And an inexpensive car doesn’t require an extensive, comprehensive insurance policy.
Minor Car Insurance Factors in Boston
Of All the factors which might raise (or even lower) your monthly insurance bill, the following are sometimes less influential:
Your Marital Status
Want to get some pretty serious discounts on multiple insurance policies? If you’re part of a married couple, you’re in luck. Married spouses can save a ton on bundling their policies together. They can also add homeowner’s or renters insurance to their bundle, for even bigger discounts.
Regardless of past misconceptions, the idea that one gender is safer behind the wheel than the other (and therefore deserves to pay less in premiums) is slowly fading away. Many companies don’t charge different premiums at all if gender is the only factor in question. For those that do, it rarely makes more than a 1-2% difference.
Your Driving Distance to Work
Unfortunately, there are a lot of congested roads in Boston. The average worker is likely to spend 16-30 minutes trying to get to work each morning. Fortunately, however, there are alternatives! Less than 45% of residents drive their own vehicle to work by themselves. Around 3-13% carpool.
How much do you think you could save each year by limiting your driving? What if you only drive your vehicle to work or school? Well, you’ll probably save more on gas than you will on lower insurance premiums. However, if your vehicle is registered for business use, prepare for a rate hike as high as 10% or more.
Your Coverage and Deductibles
Raising your deductible is a good way to add some extra coverage and benefits to your automotive policy without seeing your monthly rate skyrocket. But make sure you have some money saved up, just in case the worst happens and you actually have to file a claim.
Education in Boston, MA
Nearly one-quarter of all Bostonians have completed their high school education or obtained some sort of equivalent. A slightly smaller number (21%) have not yet achieved a high school level of education. However, another one-fifth of the Boston population has earned a bachelor’s degree, which could save them money on car insurance – more than their job title or yearly salary combined.
There are almost 70 different universities and trade schools located in the Boston area educating a quarter of a million students on a regular basis. It is easy to see why some refer to Boston as the “Athens of America” with such prestigious universities as Tufts, Harvard, and Boston University located conveniently close by. But if you aren’t looking for an ivy-league degree, don’t worry; there are also a good number of technical schools and two-year colleges which are able and willing to meet your educational needs.
Unfortunately for most insurance companies, an easy online search can expose many of their industry secrets. But even with the proper information, it can still be difficult for you as an individual to understand your risk profile and discover low-cost insurance. Be sure to do your due diligence prior to committing to your next car insurance policy. Learn more about Boston, MA.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.