Best cheap car insurance in Boston


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With over 4 million residents living in the metro area of Boston, there are many drivers on the road. Because of the risk of an auto claim every time you’re on the road, it’s imperative that Boston drivers have the best possible car insurance to protect themselves.

Our research shows that the average annual car insurance policy in Boston is $613 for minimum coverage and $1,554 for full coverage. We looked carefully at the insurers who write policies in the city, searched out those who offer great rates, excellent customer service and the best range of coverage options and discounts. Finding the best cheap car insurance in Boston may lead you to a policy that is lower than the average and meets all your coverage needs.

Best car insurance companies in Boston

We looked at average rates from 14 top companies writing car insurance policies in Boston and each company’s ranking with consumer watchdog agency J.D. Power. We looked at financial stability and the ease with which you can do your insurance business online. Finally, we reviewed coverage options and available discounts to see who offered you the most value for your dollar. These five companies stood out.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Amica 863/1,000 $501 $1,858
Geico 841/1,000 $537 $1,083
The Hanover 816/1,000 $472 $1,693
Plymouth Rock 808/1,000 $408 $1,151
State Farm 855/1,000 $382 $980


Amica is a quiet company that doesn’t waste a lot of money on advertising. It doesn’t need to: its policyholders consistently rank it at the top of listings for customer service and ease of handling claims. It’s average rate for minimum coverage is also below the Boston average.

Coverage options include gap protection, roadside assistance and accident forgiveness, which may lower your costs after an accident. Best of all, as a mutual company, it offers dividend policies that return a portion of your premium to you each year, up to 20% of your annual insurance premium.


Geico offers coverage for a reasonable price to Boston drivers. It’s average premium for full coverage was one of the lowest we calculated. With Geico, you have all the standard coverage options: liability, uninsured motorist, collision and more, along with a few other options such as emergency road assistance.

Geico excels in its discount selections, which are generous. You may, for example, save up to 23% just for having airbags in your car. Stay accident-free for five years, and you may earn up to a 22% discount. There are a number of discounts for members of certain groups, and military members who are deployed could be rewarded with a discount of up to 25%.

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 Hanover doesn’t score quite as well as some of our other choices for customer service, but it is still high enough that you should not have a problem in getting quotes, filing claims and doing your insurance business. The website is a little sparse, and you can not get an online quote, but it is possible to file a claim and manage a claim online.

Plymouth Rock

Plymouth Rock Assurance is a regional insurer that sells policies in several New England states, including Massachusetts. It has coverage options that include rental car and towing and labor, and replacement cost and OEM (original equipment manufacturer) parts replacement.

The company’s discounts are fairly standard, but one that stood out was a discount for motor club members. It also has a discount for students away at school. Its prices, even without a lot of discounts, are reasonable, and make this company worth investigating.

State Farm

State Farm’s average annual rate for Boston drivers was the lowest we calculated, at $382 for minimum coverage and $980 for full coverage — which is more than $500 less than the Boston average. There is a lot more to like about State Farm. It scores near the top of listings for customer service and is financially sound, as determined by AM Best’s ranking of A++, the highest possible rating.

We love State Farm’s website. It has all the bells and whistles you would expect from a big company, and it is simple to pay your bill, file and manage a claim and do all your insurance business while sitting at your computer.

Cheapest car insurance in Boston

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

If you are looking for the cheapest car insurance in Boston, take a look at the following five companies, which all offer rates that are below the Boston averages:

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
State Farm $382 $980
The Hanover $472 $1,693
Amica $501 $1,858
Geico $537 $1,083
MetLife $555 $1,327

Amica, Geico, The Hanover and State Farm also appeared on our “best of” list. MetLife also offers solid coverage options at a great price, and it only missed our best-of list because it scored slightly lower on the J.D. Power regional Customer Satisfaction Index ranking for New England. Having said that, MetLife’s extensive coverage options and easy-to-earn discounts make them worth considering.

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’s important to note that the minimum requirements may not be enough in an accident. For example, the cost of a new car in the U.S. is more than $40,000. If you are responsible for an accident that totals the other driver’s car, $5,000 in property damage liability will not go very far to cover costs. You may also need collision and comprehensive coverage to cover your vehicle’s damage, which isn’t required by the state.

Car insurance discounts in Boston

Most insurers offer discounts, which can lower your premium considerably. 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: your teen or young adult driver may earn a discount for maintaining a “B” or better average in high school or college.
  • Good driver: many insurers use telematics technology, which can be managed with an app, to gain real-time information about your driving skills. If you prove to be a safe driver, you can save up to 25%.
  • Vehicle safety features: these are easy to earn and allow for savings. If your car has airbags, anti-lock brakes or other safety features, you may earn a discount.
  • Pay in full: if you can afford to pay your premium in one payment, you may be able to pay less.
  • Customer loyalty: once you’re with the same company for a certain number of years (five is common), you may get a price break.

Every insurer offers slightly different discount options, so the company you go with may not have all of these. Generally, the most generous discounts are given for reducing your risk of filing a claim, such as good driving discounts and safety features.

Frequently asked questions

What is the best car insurance company?

Finding the best car insurance in Boston usually means doing research and collecting quotes to see which insurance carrier offers you the best rate. A good place to start your search is with Bankrate’s Best Car Insurance Companies for 2021 page, which highlights the companies that are writing the most robust policies in America.

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 and credit rating.

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. Although these are the minimums required by Massachusetts, talk to an insurance agent to determine what is the best coverage for you based on your personal situation.


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 sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.