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Car Insurance Quotes in Boston, MA

Full coverage / year
$1,969
State minimum / year
$765
Typical quote range
$1,398 – $2,717

Full coverage car insurance in Boston, MA runs an estimated $1,969 per year — roughly $164 monthly. That sits about 16% above the Massachusetts average, which is what you would expect from city-level congestion, a higher share of uninsured drivers, and costlier repairs. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Boston, MA

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$164/ month
$1,969 per year · carriers in Boston, MA typically quote $1,398 – $2,717
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Boston, MA

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,496$125-24%Military members and families only
Geico$1,615$135-18%Usually cheapest for clean records
State Farm$1,733$144-12%Strong for young and student drivers
Progressive$1,871$156-5%Competitive after a ticket or accident
Travelers$1,910$159-3%Good multi-policy discounts
Nationwide$1,969$1640%Mid-market, wide availability
Allstate$2,245$187+14%Higher base rate, heavy discount stacking
Farmers$2,382$199+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Boston, MA. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Boston

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$5,319$2,067$443
18 years old$4,486$1,743$374
20 years old$3,715$1,444$310
22 years old$3,086$1,199$257
25 years old$2,355$915$196
30 years old$2,030$789$169
40 years old$1,908$741$159
50 years old$1,827$710$152
60 years old$1,807$702$151
65 years old$1,888$734$157
70 years old$2,071$805$173
75 years old$2,416$939$201

Estimated premiums by age in Boston, MA, clean record, sedan.

What a ticket, accident or DUI costs in Boston

Driving recordEst. annualIncrease
Clean record$1,969—
1 speeding ticket$2,422+23%
1 at-fault accident$2,895+47%
DUI / DWI$3,722+89%

What a violation costs a 35-year-old in Boston, MA. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Massachusetts

Every driver registering a vehicle in Massachusetts must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Massachusetts Department of Insurance.

Required coverage in MassachusettsMinimum limit
Bodily injury liability, per person$20,000
Bodily injury liability, per accident$40,000
Property damage liability$5,000
PIP $8,000Required
Uninsured motorist 20/40Required
Insurance systemNo-fault

Coverage levels compared in Boston

Coverage levelEst. annualEst. monthly
State minimum liability$765$64
Full coverage (100/300/100 + comp & collision)$1,969$164
Full coverage, high limits + low deductible$2,343$195

Coverage level comparison for Boston, MA.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Boston

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Boston covers 02101, 02102, 02103, 02104, 02105, 02106 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Boston, MA?
Full coverage in Boston is estimated at $1,969 a year ($164 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $765 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Massachusetts?
Massachusetts requires at least $20,000 bodily injury per person, $40,000 per accident and $5,000 property damage, plus pip $8,000, uninsured motorist 20/40. Massachusetts is a no-fault state, so your own policy pays your initial medical costs regardless of who caused the crash.
▸Who has the cheapest car insurance in Boston?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Boston for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Boston?
An 18-year-old in Boston is estimated at $4,486 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Boston?
A DUI takes the estimate from $1,969 to about $3,722 a year in Boston, an increase of roughly 89%. Massachusetts drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Boston?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

CharlestownBack BayEast BostonRoxbury CrossingCambridgeChelseaSomervilleMission Hill

Comparing more of Massachusetts? See every Massachusetts city we price or read the cheap car insurance guide for Boston.