Who Has The Best Car Insurance Rates In Boston?
Find the Cheapest Auto Insurance Quotes in Your Area
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.
Find the Cheapest Auto Insurance Quotes in Your Area
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.
|
Rank | Company | Average Annual Rate |
|---|---|---|
| 1 | Hanover | $1,094 |
| 2 | GEICO | $1,099 |
| 3 | Vermont Mutual | $1,236 |
| 4 | Norfolk & Dedham | $1,314 |
| 5 | Commerce Group | $1,325 |
| 6 | Arbella | $1,393 |
| 7 | OneBeacon | $1,479 |
| 8 | Amica | $1,573 |
| 9 | MetLife | $1,587 |
| 10 | Allstate | $1,717 |
| 11 | National Grange Mutual | $1,948 |
| 12 | Encompass | $1,949 |
| 13 | Plymouth Rock | $2,479 |
| 14 | Liberty Mutual | $4,935 |
| Boston Average: | $1,795 |
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.
|
Rank | Neighborhood | Average Annual Rate |
|---|---|---|
| 1 | West Roxbury | $1,514 |
| 2 | Downtown | $1,592 |
| 3 | Brighton | $1,603 |
| 4 | Allston | $1,648 |
| 5 | South Boston | $1,689 |
| 6 | Roslindale | $1,732 |
| 7 | Jamaica Plain | $1,749 |
| 8 | Hyde Park | $1,838 |
| 9 | Charlestown | $1,914 |
| 10 | East Boston | $1,941 |
| 11 | Dorchester/Mattapan | $2,110 |
| 12 | Mission Hill | $2,209 |
| Boston Average: | $1,795 |
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.
|
Neighborhood | Insurer or Agent | Address |
|---|---|---|
| West Roxbury | Allstate Insurance Agent: John Greaney | 2041 Centre St, West Roxbury, MA 02132 |
| Russell K McNeil Insurance Agency Inc | 5341 Washington St, West Roxbury, MA 02132 | |
| Charles Obeid Insurance | 1895 Centre St # 102, West Roxbury, MA 02132 | |
| Steven J Salhaney Insurance | 5264 Washington St, West Roxbury, MA 02132 | |
| Anawan Insurance | 4 Anawan Ave, Boston, MA 02132 | |
| Downtown | Liberty Mutual Insurance | 141 Congress St, Boston, MA 02110 |
| Safety Insurance | 20 Custom House St, Boston, MA 02110 | |
| A-Affordable Insurance Agency, Inc. | 55 Union St, Boston, MA 02108 | |
| Delano Insurance Services | Suite 420, 31 Milk St, Boston, MA 02109 | |
| Knapp Schenck Insurance Services | 1 India St #204, Boston, MA 02109 | |
| Brighton | Allston Insurance Agency, Inc. | 1065 Commonwealth Avenue # 3, Boston, MA 02215 |
| Galaxy Insurance | 1216 Commonwealth Avenue, Allston, MA 02134 | |
| John J. Ryan Insurance Agency | 376 Washington St, Brighton, MA 02135 | |
| Point Insurance | 1103 Commonwealth Avenue, Boston, MA 02215 | |
| Sawyer Insurance Agency | 1496 Commonwealth Avenue, Brighton, MA 02135 | |
| Allston | Allston Insurance Agency, Inc. | 1065 Commonwealth Avenue # 3, Boston, MA 02215 |
| Gorman Insurance Agency | 1212 Commonwealth Avenue, Allston, MA 02134 | |
| Best Choice Insurance Agency | 163 Harvard Ave, Boston, MA 02134 | |
| Allstate Insurance Agent: Diana Grinshtat | 1500 Soldiers Field Rd, Brighton, MA 02135 | |
| Best Choice Insurance Agency | 163 Harvard Ave, Boston, MA 02134 | |
| South Boston | Allstate Insurance Agent: The Hanley Agency Inc | 135 Emerson St, Boston, MA 02127 |
| Lighthouse Insurance Agency | 470 W Broadway, Boston, MA 02127 | |
| Kiley & O'Toole Insurance, Inc. | 594 E Broadway, Boston, MA 02127 | |
| O'Connell Insurance Group Inc | 601 E Broadway, Boston, MA 02127 | |
| Baltic Insurance Agency | 597 E Broadway, South Boston, MA 02127 | |
| Roslindale | Paul Lymneos Insurance Agency | 4258 Washington St Suite 8, Roslindale, MA 02131 |
| Gallagher Insurance | 4197 Washington St # B, Roslindale, MA 02131 | |
| HR Hatch Insurance Agency | 4401 Washington St, Roslindale, MA 02131 | |
| Boje Insurance | 288 Cummins Hwy, Roslindale, MA 02131 | |
| Ronald H Krupa Insurance Inc | 25 Corinth St, Roslindale, MA 02131 | |
| Jamaica Plain | J Arico Insurance | 28 Brookley Rd, Jamaica Plain, MA 02130 |
| Sawyer Insurance | 720 Centre St, Jamaica Plain, MA 02130 | |
| Leo J Costello Insurance | 84 South St, Jamaica Plain, MA 02130 | |
| Hyde Park | Roche Insurance Agency | 1070 River St, Hyde Park, MA 02136 |
| Thomas F Gallagher Insurance | 1270 Hyde Park Ave, Hyde Park, MA 02136 | |
| Burke Insurance | 1279 River St, Hyde Park, MA 02136 | |
| Timothy Murphy Insurance | 53 Fairmount Ave, Hyde Park, MA 02136 | |
| MacDonald Insurance Agency, Inc. | 183 Wolcott Ct, Hyde Park, MA 02136 | |
| Charlestown | Flynn Insurance Agency, Inc. | 92 Main St, Boston, MA 02129 |
| Andrew Wilson - Ameriprise Financial Services | 2 Constitution Plz, Fl 1, Charlestown, MA 02129 | |
| Inland Underwriters Insurance Agency, Inc. | 2 13th St, Charlestown, MA 02129 | |
| Batchelder Bros. Insurance | 314 Bunker Hill St, Charlestown, MA 02129 | |
| East Boston | Spataro & Bellino Insurance Agency | 156 Maverick St, East Boston, MA 02128 |
| A-Affordable Insurance Agency, Inc. | 222 Sumner St, Boston, MA 02128 | |
| Metro Boston Insurance Agency | 78 Bennington St, Boston, MA 02128 | |
| Saratoga Insurance | 452 Bennington St, Boston, MA 02128 | |
| Dorchester/Mattapan | Karlene A. Valente Insurance Agency, Inc | 1497 Dorchester Ave, Dorchester, MA 02122 |
| H. Levenbaum Insurance Agency | 1534 Dorchester Ave, Dorchester, MA 02122 | |
| Vargas & Vargas Insurance Inc. | 1133 Washington St, Boston, MA 02124 | |
| Sunrise Insurance | 925 Washington St # 2, Dorchester Center, MA 02124 | |
| Adams Village Insurance Agency | 520 Gallivan Blvd, Dorchester Center, MA 02124 |
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 |
Methodology
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.
Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.