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Best cheap car insurance in Boston

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The average cost of car insurance in Boston is $1,554 per year for full coverage and $613 per year for minimum coverage insurance, according to Bankrate’s 2021 study of annual quoted premiums. Based on data pulled from Quadrant Information Services, the cheapest car insurance in Boston is sold by The Hanover and Geico, depending on what level of coverage you are seeking.

While budget is an important consideration for many drivers, finding the best car insurance in Boston for your coverage needs is critical. Purchasing a policy that does not fit your situation could leave you with hefty out-of-pocket expenses if you cause an accident. Bankrate’s research could help you find a carrier that fits both your coverage needs and your budget.

Bankrate Insight
  • Geico sells the best cheap full coverage insurance in Boston on our list with an average premium of $1,083 per year.
  • Amica’s average minimum coverage is just $501 per year, making it the best cheap minimum coverage car insurance carrier in Boston on our list.
  • Plymouth Rock also offers competitive full coverage car insurance, with an average annual premium of $1,151.

Best car insurance companies in Boston

Based on our research, Amica, Geico, The Hanover and Plymouth Rock are some of the best car insurance companies in Boston. Bankrate’s insurance editorial team analyzed average premiums, available coverages, discounts, policy features and third-party rankings for the largest insurance carriers in the city. When shopping for car insurance, Boston drivers might want to get quotes from these companies.

Insurance company J.D. Power auto insurance study score
(New England region)
Average annual premium for minimum coverage Average annual premium for full coverage
Amica 867/1,000 $501 $1,858
Geico 841/1,000 $537 $1,083
The Hanover Not rated $472 $1,693
Plymouth Rock 804/1,000 $408 $1,151


For more than 20 years, Amica has earned the highest official ranking from J.D. Power in the New England region. The organization’s annual auto insurance study ranking is based on customer satisfaction in several areas, including billing and claims service. If you are looking for a company with exceptional customer service, Amica could be a good fit. The company also offers unique dividend policies which can return up to 20% of your car insurance premium each year.

Learn more: Amica Insurance review


Of all the insurance companies in Boston, Geico offers the cheapest average full coverage premium on our list. If budget is your primary concern, getting a quote from Geico might be a good idea. The company’s average premiums might be so low due to the long list of available discounts. You could save for being a safe driver, a federal employee, a military service member or a member of an approved organization like an alumni group.

Learn more: Geico Insurance review

The Hanover

The Hanover is a Massachusetts-based company with some nice perks for Boston drivers. Its rates are competitive, and it has some coverage options and discounts that not all companies offer. Its Prestige Auto package, for example, is for high-end vehicles, and you get global rental coverage, rental upgrade and full replacement cost for newer cars. The company also offers accident forgiveness, deductible dividends and original manufacturer equipment (OEM) coverage.

Learn more: The Hanover Insurance review

Plymouth Rock

Plymouth Rock Assurance is a regional insurer that sells policies in several New England states, including Massachusetts. Plymouth Rock offers a few unique features. If you are a member of an approved membership-based motor club, you might get a discount on your insurance. And with the Get Home Safe program, Plymouth Rock will pay for a taxi or ridesharing service if you are in a situation where you do not feel safe driving.

Learn more: Plymouth Rock Insurance review

Cheapest car insurance in Boston

The average annual cost of car insurance in Boston is $613 for minimum coverage and $1,554 for full coverage, slightly above the annual average for Massachusetts, which is $510 for minimum coverage car insurance and $1,223 for full coverage.

If you are looking for the cheapest car insurance in Boston, look at the following five companies, which all offer annual rates below the Boston average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
The Hanover $472 $1,693
Amica $501 $1,858
Geico $537 $1,083
MetLife* $555 $1,327

*MetLife was recently purchased by The Farmers Insurance Group.

Many of these companies were also included in our “best” list. And although these premiums are generally lower than Boston’s average, depending on the coverage level you are looking for, and you should keep in mind that car insurance rates are personalized. Your individual rating factors, including your driving history, the type of car you drive and your coverage limits, will all impact how much you pay.

Boston insurance requirements

Like most states, Massachusetts requires you to carry a minimum amount of car insurance to drive legally in the state. That minimum is:

  • $20,000 for bodily injury liability per person
  • $40,000 for bodily injury liability per accident
  • $5,000 for property damage liability per accident
  • $8,000 in personal injury protection (PIP)
  • $20,000 for injuries from an uninsured motorist per person
  • $40,000 for injuries from an uninsured motorist per accident

It is important to note that the minimum requirements may not be enough in an accident. Most insurance professionals recommend that you purchase higher liability limits if you can afford them. If you cause an accident and the damages exceed your liability limits, you will be responsible for the overage out of pocket. Higher liability limits provide you with greater financial protection.

Additionally, state minimum coverage does not include comprehensive or collision insurance, which covers damage to your vehicle. You may want to consider these coverages if your car is newer or if you do not have the funds to pay for repairs out of pocket. If you have a loan or lease on your vehicle, your financial institution will likely require you to carry a full coverage policy, including comprehensive and collision.

Car insurance discounts in Boston

Most car insurance companies in Boston offer discounts, which can lower your premium considerably and help you get cheap auto insurance coverage. When you are building your policy, be sure to ask your agent what discounts you might be eligible for — many can be easy to earn. Here are some common ones in Boston:

  • Student discounts: If your teen or young adult driver has a B or better letter-grade average and is a full-time student, you may earn a discount on your policy.
  • Good driver: Many insurers use telematics technology, which can be managed with an app or plug-in device, to gain real-time information about your driving skills. If you prove to be a safe driver, you might earn a personalized discount.
  • Vehicle safety features: If your car has airbags, anti-lock brakes or other safety features, you might qualify for this discount.
  • Pay in full: If you can afford to pay your premium in one payment, you may be able to save money and avoid monthly billing fees.
  • Customer loyalty: Once you are with the same company for a certain number of years, you may get a price break.

Every insurer offers different discount options, so researching a company’s discount might help you understand how many savings opportunities you qualify for. Although discounts are often listed online, talking with an agent or company representative might be the best way to determine what discounts are right for you.

Frequently asked questions

What is the best car insurance company?

The best car insurance company for you will vary based on several factors. The car insurance company that is best for one driver might not be best for someone else. Your driving history, the discounts you qualify for, the coverages you are seeking and your priorities regarding insurance will all affect what car insurance company is best for you. Getting quotes from several of the largest auto insurance companies and smaller companies that fit your needs can help you find the best policy for your needs.

How much does car insurance in Boston cost?

The average annual cost of a car insurance policy in Boston is $613 for minimum coverage and $1,554 for full coverage, which includes collision and comprehensive. Your car insurance quotes in Boston will differ, depending on factors such as the age and model of your car and your age.

How much car insurance do I need in Boston?

The minimum insurance required in Massachusetts is 20/40/5, along with personal injury protection and uninsured motorist coverage. You will not be able to purchase less than the minimum required coverages. However, the amount of coverage that you need will depend on your unique situation. If you have a loan or lease, you will need full coverage. The limits you choose will depend on the value of your overall assets, your personal level of risk tolerance and your specific driving habits like how often and how far you drive. Working with an agent is often the best way to determine the coverage that is right for you.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Insurance Editor