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.
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.
| 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 |
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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.
| 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 |
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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.
| 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 |
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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.
| 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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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.
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