Boston drivers looking for cheap car insurance should start by getting rate quotes from Citizens, Safety and GEICO. These three companies offer the cheapest car insurance rates in most of the driver categories we included in our survey of the city’s top providers.
Key findings:
- Cheapest rates overall: Citizens
- Cheapest with a speeding ticket: GEICO
- Cheapest with an accident: Safety
- Cheapest for teens: Citizens
- Cheapest for seniors: Safety
In this article:
- What is the cheapest car insurance company in Boston?
- How much does car insurance cost in Boston?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are the car insurance requirements in Boston?
Who has the cheapest car insurance in Boston? Citizens and Safety
Citizens has the cheapest car insurance for Boston drivers who want state-minimum coverage at an average rate of $37 a month.
Safety also offers the city’s drivers cheap minimum-coverage car insurance, though, with an average rate of $44 a month. GEICO’s average rate of $52 a month is cheaper than the city average of $81 a month, too.
| Company | Monthly rate |
|---|---|
| Citizens | $37 |
| Safety | $44 |
| GEICO | $52 |
| City average | $81 |
| Progressive | $90 |
| Plymouth Rock Assurance | $91 |
| Arbella | $107 |
| Travelers | $149 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Safety leads the way in Boston for cheap full-coverage car insurance. Its average rate here is $102 a month.
This is $27 a month lower than runner-up GEICO’s average rate of $129 a month.
| Company | Monthly rate |
|---|---|
| Safety | $102 |
| GEICO | $129 |
| Citizens | $136 |
| Progressive | $159 |
| City average | $199 |
| Arbella | $251 |
| Plymouth Rock Assurance | $282 |
| Travelers | $334 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare car insurance quotes with Citizens and Progressive, too, to get your best rate in Boston. Both companies have average full-coverage rates that come in below the city average of $199 a month for such coverage.
Minimum-coverage car insurance meets Massachusetts’ requirements for liability coverage. Liability covers injuries and property damage you cause to others. It won’t cover your own medical bills or car repairs.
Full-coverage car insurance includes collision and comprehensive coverages on top of liability. State law doesn’t require full-coverage car insurance, but many lenders and lessors do. Consider getting it even if it’s not required if your vehicle is new or expensive.
Find cheap car insurance in Boston
What is the average cost of car insurance in Boston?
The average cost of auto insurance in Boston is $81 a month if you only get enough coverage to meet the state’s requirements.
If you want full-coverage car insurance, the average cost for Boston drivers is $199 a month.
Car insurance in Boston is slightly cheaper than it is across Massachusetts. State-minimum coverage in Massachusetts costs $87 a month, while full coverage costs $205 a month.
Is car insurance in Boston expensive?
No, car insurance in Boston is quite affordable, actually. This is especially true when you compare what drivers here pay for coverage to what U.S. drivers pay in general.
The average cost of minimum-coverage car insurance in the U.S. is $170 a month.
The average cost of full-coverage car insurance in the U.S. is $369 a month.
Cheapest car insurance in Boston with driving violations: GEICO, Safety and Progressive
To get cheap car insurance in Boston with an incident or violation on your driving record, compare quotes with GEICO, Progressive and Safety.
GEICO offers the cheapest car insurance rates for drivers with a speeding ticket on their records at an average of $143 a month.
Safety’s average is only a few dollars more a month, though, at $150. Progressive and Citizens are more expensive in this situation but still more affordable than the Boston average rate of $266 a month for drivers with speeding tickets.
| Company | Monthly rate |
|---|---|
| GEICO | $143 |
| Safety | $150 |
| Progressive | $204 |
| Citizens | $225 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Safety has the cheapest car insurance for Boston drivers with an at-fault accident on their records at $183 a month, on average. This is for a full-coverage policy.
GEICO is a good option for these drivers, too, offering an average rate of $189 a month.
| Company | Monthly rate |
|---|---|
| Safety | $183 |
| GEICO | $189 |
| Progressive | $232 |
| Citizens | $245 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Don’t ignore Progressive and Citizens when shopping for your best and cheapest rate in this situation, as both have average rates that are significantly lower than the city average of $298 a month.
Progressive charges the cheapest car insurance rates in Boston to drivers with one DUI on their records at an average $185 a month.
Citizens is second best in this case, with rates averaging $196 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $185 |
| Citizens | $196 |
| GEICO | $215 |
| Safety | $252 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Boston drivers with a DUI who want cheap car insurance should get quotes from GEICO and Safety, too. Both companies offer rates that are quite a bit lower than the city average of $327 a month for such drivers.
Compare auto insurance quotes from top companies
Where can I get cheap car insurance in Boston for teen drivers?
Citizens and GEICO are the best sources of cheap car insurance in Boston for teen drivers, based on our data.
Citizens has the cheapest car insurance if you’re a teen who wants state-minimum coverage, with an average rate of $123 a month.
GEICO offers affordable rates to these young drivers, too, at an average of $140 a month.
| Company | Monthly rate |
|---|---|
| Citizens | $123 |
| GEICO | $140 |
| Safety | $210 |
| Plymouth Rock Assurance | $236 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
GEICO is the cheapest car insurance company for teens in Boston who want full-coverage policies, though, charging $337 a month, on average.
Young drivers who want cheap coverage should compare quotes from Citizens and Safety, too, as both offer rates far lower than the city average of $551 a month.
| Company | Monthly rate |
|---|---|
| GEICO | $337 |
| Citizens | $444 |
| Safety | $454 |
| Progressive | $590 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Young drivers often pay the highest auto insurance rates because they’re more likely to be involved in an accident than are older and more experienced drivers.
Citizens charges adult drivers with clean records in Boston $37 a month for minimum coverage, for example. It charges teens with clean driving records $123 a month for the same coverage. This is a whopping 232% increase.
Where can I get cheap car insurance in Boston for senior drivers?
Senior drivers in Boston can find the cheapest car insurance rates with Citizens, GEICO and Safety, depending on how much coverage they want.
Citizens is the top choice for cheap car insurance for seniors who want minimum coverage. Its average rate here is $37 a month.
Safety and GEICO have average rates that are nearly as affordable, though, at $44 and $52 a month, respectively.
| Company | Monthly rate |
|---|---|
| Citizens | $37 |
| Safety | $44 |
| GEICO | $52 |
| Progressive | $90 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Safety is the cheapest car insurance provider in Boston for seniors who want to get a full-coverage policy, charging $102 a month, on average.
Consider GEICO, too, as its average monthly rate is $129 a month. Citizens and Progressive are worth a look as well, with rates that come in well below the city average of $199 a month for such drivers and coverage.
| Company | Monthly rate |
|---|---|
| Safety | $102 |
| GEICO | $129 |
| Citizens | $136 |
| Progressive | $159 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What are Boston’s car insurance requirements?
Boston drivers need to carry at least 20/40/5 car insurance. This means they need, at a minimum:
- $20,000 of bodily injury liability coverage per person
- $40,000 of bodily injury liability coverage per accident
- $5,000 of property damage liability coverage
They also need the same amounts of uninsured motorist coverage.
Note that these amounts may not be enough if you’re involved in a serious accident. Because of that, QuoteWizard recommends 100/300/100 car insurance:
- $100,000 of bodily injury liability coverage per person
- $300,000 of bodily injury liability coverage per accident
- $100,000 of property damage liability coverage
Also, if your vehicle is new, expensive or expensive to repair, consider getting collision and comprehensive car insurance coverage as well as liability coverage.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Boston ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Massachusetts’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Boston
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