Best Auto Insurance Rates in Boston, Massachusetts
On average your neighbors pay $88 a month.
See Your RatesCompare Auto Insurance in Boston
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.
| 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, Massachusetts 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, MA drivers requesting quotes through QuoteWizard in the past year.
- Honda Accord EX/LX
- Honda Civic EX/LX/DX
- Acura MDX
- Toyota Rav4
- Toyota Camry LE/XLE/SE
- Nissan Altima 2.5 S
- Jeep Grand Cherokee Laredo
- Honda CR-V EX
- Acura CSX
- BMW 328xi
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 non-preferred driver with a bad driving record. This means that your insurer could require that you purchase high-risk-auto insurance. This will mean you'll pay much 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.
Car Insurance Discounts in Boston, MA
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.
- Do you have home, renters, or life insurance? Bundling policies with one insurance company is a sure-fire way to cut up to 15 percent off your insurance bill.
- Boston is home to more than 50 higher education institutions including MIT, Harvard, and Boston College. If you’re a student you’re probably looking for ways to save money wherever you can find them. Earning good grades is a great way to qualify for a good student discount.
- Insurance companies like it when you make things easy for them. Paying for six months or a year of insurance upfront instead of monthly can land you a discount on your premium.
- Boston has a very high collision rate. If you’re a Boston driver with a spotless record, have a talk with your insurer. You can probably get an accident free discount.
- If you live in one of the safer neighborhoods in Boston, your zip code could be worth a low-risk discount.
Car insurance agents near Boston, MA:
Somerville, MA 02144
We will provide to you the highest quality MA insurance products and services as well as protect and safeguard you from financial loss. We put your insurance and financial needs above all.
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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