Who Has The Best Car Insurance Rates In Boston?

Who Has The Best Car Insurance Rates In Boston?

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

We conducted an analysis of car insurance rates in Boston and found that Hanover offered the cheapest rates in the city, at an average annual cost of $1,094. However the best way to assure you get the cheapest rates, is to compare a number of quotes from local insurers. Enter your zip code into our tool above to receive a list of rates from car insurance companies near you.

Cheapest Car Insurance in Boston

Car insurance prices throughout Boston's neighborhoods averaged $1,795 per year, though the five cheapest insurers had a mean annual cost of $1,214—32% less than the citywide average. Based on that figure, purchasing auto insurance through one of these companies could save you almost $50 per month in car insurance premiums.

Chart of The Five Cheapest Car Insurance Companies in Boston

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

Our study looked at 14 auto insurers that operate in the Boston area. Average annual premiums ranged from just over $1,000 to $4,935. This huge range in insurance cost is why we recommend that you always get multiple quotes when purchasing a policy.


Average Annual Rate
3Vermont Mutual$1,236
4Norfolk & Dedham$1,314
5Commerce Group$1,325
11National Grange Mutual$1,948
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Average Cost of Car Insurance in Boston: by Neighborhood

Auto insurance costs in Boston differ greatly depending on where in the city you live. Car insurance costs were 31% less expensive in the cheapest neighborhood than they were in the most expensive neighborhood–which were West Roxbury and Mission Hill respectively.


Average Annual Rate
1West Roxbury$1,514
5South Boston$1,689
7Jamaica Plain$1,749
8Hyde Park$1,838
10East Boston$1,941
12Mission Hill$2,209
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Car Insurance Companies and Agents in Boston

Though companies like Geico focus primarily on selling car insurance online, there are still many drivers that prefer to talk with a local agent, who can help them manage their policies. To find a car insurance company or agent near you in Boston, consult our directory below.


Insurer or Agent
West RoxburyAllstate Insurance Agent: John Greaney2041 Centre St, West Roxbury, MA 02132
Russell K McNeil Insurance Agency Inc5341 Washington St, West Roxbury, MA 02132
Charles Obeid Insurance1895 Centre St # 102, West Roxbury, MA 02132
Steven J Salhaney Insurance5264 Washington St, West Roxbury, MA 02132
Anawan Insurance4 Anawan Ave, Boston, MA 02132
DowntownLiberty Mutual Insurance141 Congress St, Boston, MA 02110
Safety Insurance20 Custom House St, Boston, MA 02110
A-Affordable Insurance Agency, Inc.55 Union St, Boston, MA 02108
Delano Insurance ServicesSuite 420, 31 Milk St, Boston, MA 02109
Knapp Schenck Insurance Services1 India St #204, Boston, MA 02109
BrightonAllston Insurance Agency, Inc.1065 Commonwealth Avenue # 3, Boston, MA 02215
Galaxy Insurance1216 Commonwealth Avenue, Allston, MA 02134
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Minimum Car Insurance Requirements in Boston, Massachusetts

The state of Massachusetts requires that all drivers have valid liability car insurance before they can register their car or drive on the road. It is also one of a number of states that requires that drivers have personal injury protection—which is a no-fault coverage that can pay for your medical expenses in the event of an accident. Below, we've included a breakdown of the minimum coverage limits for car insurance in Boston.

Coverage Type

Minimum Limits
Bodily Injury Liability$20,000 per person / $40,000 per accident
Property Damage Liability$5,000 per accident
Personal Injury Protection$8,000 per person, per accident
Uninsured/Underinsured Motorist Bodily Injury Liability$20,000 per person / $40,000 per accident

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Car insurance premiums were for a 30-year-old male driving a 2010 Toyota Camry that is owned. The automobile is primarily used for the purpose of commuting. Insurance coverage is slightly above the state minimum. Our hypothetical driver logs anywhere between 10,000-15,000 miles each year and no accidents or violation of record in the last 5 years.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.