Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Aug 27, 2020

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Massachusetts auto insurance requires a 20/40/5 minimum in liability coverage. Residents can find cheap car insurance in Boston, MA starting at $47 monthly, offered by National Grange Mutual. Other best Boston, MA car insurance companies include Liberty Mutual, Allstate, Amica, and Encompass, each offering competitive Boston, MA auto insurance.

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+)”!

Are you looking for cheap auto insurance in Boston, MA? With, anyone will be able to find the best car insurance in Boston, MA. To receive free car insurance quotes straight from some major providers today, all you have to do is enter your local ZIP code!

Auto Insurance Coverage Requirements in Massachusetts

Driving legally in Boston requires:

CoverageRequirementsMost Common
Bodily Injury Liability20,000/40,000100,000/300,000
Property Damage Liability5,00050,000
Uninsured Motorist Bodily Injury20,000/40,000100,000/300,000
Medical PaymentsNot required10,000
CollisionNot required500 deductible
ComprehensiveNot required250 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 Boston, MA auto insurance rates – as low as $67/mo* – if they act now. Keep reading for more details.

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How Much Does Car Insurance Cost in Boston?

Average Monthly Auto Insurance Premiums Legend: Boston Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 $126 $56 $54 $54 $47


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 Boston, MA auto insurance quotes, 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 among Boston, MA auto insurance companies. To verify you’re still getting the cheapest car insurance Boston, MA, compare low-cost Boston auto insurance quotes right now online.

Major Factors in Cheap Car Insurance in Boston, Massachusetts

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.

Auto Insurance by ZIP Code Legend: Boston Cambridge Lowell Springfield Worcester Liberty Mutual Allstate Amica Encompass National Grange Mutual 15 30 45 60 75 90 105 120 135 150 165 $126 $119 $145 $179 $153 $56 $47 $53 $67 $54 $54 $49 $56 $67 $57 $54 $43 $59 $68 $54 $47 $42 $52 $70 $55


Automotive Accidents

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 Boston, Massachusetts car insurance brokers about them.

Fatal Accidents in Boston, MA Legend: Boston Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 16 19 7 16 22 9


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.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 $126 $273 $56 $133 $54 $163 $54 $170 $47 $109


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.


Your Age

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.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Liberty Mutual Allstate Amica Encompass National Grange Mutual 50 100 150 200 250 300 350 400 450 500 $126 $522 $56 $255 $54 $209 $54 $283 $47 $366


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.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Liberty Mutual Allstate Amica Encompass National Grange Mutual 20 40 60 80 100 120 140 160 180 200 $126 $149 Do Not Sell $211 $56 $62 $129 $62 $54 $66 $115 $91 $54 $96 $185 $129 $47 $78 $96 $78


Your Vehicle

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.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Liberty Mutual Allstate Amica Encompass National Grange Mutual 30 60 90 120 150 180 210 240 270 300 $126 $302 $56 $157 $54 $186 $54 $182 $47 $127


Minor Factors in Cheap Auto Insurance in Boston, Massachusetts

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.

Your Gender

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 affordable Boston, MA auto insurance policy.

Enter your zip code below to view companies that have cheap auto insurance rates.

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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.


Massachusetts Division of Insurance

Massachusetts Division of Insurance and Financial Institutions

Department of Highway Safety and Motor Vehicles

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