Best Auto Insurance Rates in Boston, Massachusetts

Compare Auto Insurance in Boston

Monday, June 4 2018 By Larry Canonica

Living in Boston isn’t cheap, and car insurance is no exception. If you want to make sure that you’re getting the cheapest car insurance rates you can, then you came to the right place.

Average Boston Car Insurance Rates

How much is car insurance in Boston, MA? Boston is a notoriously tough place to drive, so Bostonians shouldn't be surprised to learn that they pay much higher car insurance rates than the state and national average. On average, auto insurance in Massachusetts costs $1,058.50 per year. The national average price is $889.01.

How much more depends on your zip code because some neighborhoods are safer than others in terms of total number of claims filed, crime including vehicle theft, and traffic congestion.

Massachusetts Average Annual Car Insurance Rates

Coverage	Rates
Liability	$606.04
Collision	$388.28
Comprehensive	$134.96
Total Cost Per Year	$1,058.50
Price Per Month	$88.20
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Massachusetts rates from 2011 to 2015, the most recent year the data is available. According to the III, Massachusetts car insurance rates increased from $942 in 2011 to $1,035 in 2015, a jump of $116 dollars, or 12.35 percent.

QuoteWizard can help you compare quotes from the top national insurance companies as well as local independent agents. Comparing quotes can help you find cheap car insurance rates near Boston, Massachusetts and save up to 40% on your premium.

Last year, 2,042 Boston residents used QuoteWizard to compare auto insurance quotes in Boston, MA from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Boston, MA

This is our list of the most common car insurance companies reported by QuoteWizard users living in Boston, MA last year.

Other popular Boston, Massachusetts car insurance companies: Nationwide, Travelers, USAA, Amica, Safeco, 21st Century, American Family, and Hartford.

Top 10 Vehicles in Boston

This is our list of the most common vehicles owned by Boston drivers requesting quotes through QuoteWizard in the past year.

Minimum Car Insurance Requirements in Boston, MA

Boston, Massachusetts has a minimum coverage requirement known as the 20/40/5 rule. This means each policy must include at least the following three components:

• Bodily Injury to Others (BIL): $20,000 per person and $40,000 per accident.
• Personal Injury Protection (PIP): $8,000 per person, per accident
• Uninsured/Underinsured Motorist: $20,000 per person and $40,000 per accident
• Damage to Someone Else's Property: $5,000 per accident

Boston Drivers

Allstate Insurance publishes a report in which it ranks US cities based on how safe it is to drive in them. Boston is a great city, but when it comes to safe driving, Boston ranked second from the bottom: 200th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 3.6 years on average.

Driving Conditions

The weather and road conditions are part of the reason that Boston has higher insurance rates than the national average.

Weather

The weather in Boston ranges from hot in the summer to bitterly cold in the winter. The big problem for drivers here in terms of weather is that it rains year round. In fact, there are on average 126 days a year with measurable precipitation. This means you can expect wet commutes about once every three days. If you enjoy driving in snow, you’re in luck because Boston enjoys an average of 22 snowy days every year. All this precipitation makes for an increased risk of accidents and insurance claims.

Road Conditions

According to TRIP, 14% of the Boston's major roads are in poor condition. Another 14% of these streets are in mediocre repair. These sub-par streets cost drivers $306 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Boston ranks 97th for worst traffic congestion in the world. The average commuter spends an additional 29 minutes per hour stuck in traffic during rush hour commutes and an additional 112 hours per year for those with 30-minute commutes.

Moving Violations

Moving violations including drunk driving, running red lights, accidents, and speeding tickets will make you a high-risk driver with a bad driving record and higher insurance rates.

Traffic Tickets

The Boston Municipal Court Department website informs residents how to pay civil motor vehicle citations and tells drivers how to contest tickets.

OUI Arrests

The Boston Police Department recorded 227 OUI arrests in 2014. Boston has excellent public transit and offers rideshare services such as Lyft and Uber, so there’s no reason to risk an OUI.

SR-22 OUI Insurance

An OUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Boston OUI insurance.

Traffic Fatalities

In 2013, Boston experienced 16 deaths in motor vehicle crashes, seven of which were pedestrians. This works out to a fatality rate of 1.08 per 100,000 residents. Considering Boston’s estimated population of 645,966 this is a very safe city in terms of traffic fatalities.

Vehicle Theft Rates

The Boston Police Department recorded 1,521 vehicle thefts in 2014, a rate of 2.32 per 1,000 city residents.

Save With Car Insurance Discounts

Discounts are a great way to lower your rates. These are some of the many car insurance discounts available to drivers in Boston, MA. Get a quote to find out which discounts you may qualify for with your current or multiple insurers.

• Bundle your auto insurance with your homeowners or renters policy. Bundling your vehicles and policies together can save you up to 15%
• Maintain at least a B grade point average in school to qualify for the good student discount
• Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
• Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
• Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
• Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
• Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
• Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
• Take a defensive driving course from an accredited driving school
• Shop around and compare low-cost Boston car insurance quotes

Car insurance agents near Boston, MA:

Sources:

• City of Boston Massachusetts
• Boston Municipal Court Department
• Boston Massachusetts Crime Rates
• United States Census Bureau - Boston, MA
• National Highway Traffic Safety Administration
• TRIP Urban Roads Report Appendices

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