Cheapest car insurance companies in Boston 

State Farm and Geico offer the cheapest car insurance rates in Boston for 2023, according to a study by Insurance.com.

State Farm offers the cheapest car insurance premium for Boston drivers at an annual rate of $916 a year, on average. 

The cost of car insurance in Boston varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Boston.

CompaniesAverage annual rates
State Farm$916
Geico$1,337
Plymouth Rock Assurance$1,643
USAA$1,706
Safety Insurance$2,008
Farmers$2,198
Arbella Insurance$2,318
Progressive$2,325
Amica Mutual$2,648
Travelers$2,778
Allstate$3,358

Cheapest car insurance cost in Boston by Age Group 

State Farm offers the cheapest full coverage car insurance for teenage drivers in Boston, with an average annual cost of $2,607 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

For young drivers in Boston, State Farm has the cheapest auto insurance rates, with an average annual cost of $1,304 annually

For Boston drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. State Farm provides the cheapest car insurance premiums, offering full coverage policies at $916 annually

With an average annual premium of $693, State Farm offers Boston's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel. 

CompanyTeensYoung AdultsAdultsSeniors
State Farm$2,607$1,304$916$693
Geico$3,390$1,861$1,314$976
Plymouth Rock Assurance$4,637$2,569$1,664$1,698
USAA$5,023$2,518$1,748$1,380
Travelers$5,795$3,976$2,701$2,501
Arbella Insurance$6,173$3,376$2,331$1,807
Amica Mutual$6,192$3,824$2,693$2,689
Safety Insurance$6,932$3,275$2,004$1,767
Farmers$8,142$3,897$2,248$1,872
Progressive$8,437$4,614$2,365$2,250
Allstate$12,684$3,869$3,437$2,573

Cheapest car insurance companies in Boston by driver profile 

Insurers in Boston consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Boston that suits your budget. 

In Boston, these insurance companies offer cheap car insurance rates based on your driver profile.

Based on recent data analysis, 30-year-old drivers in Boston with speeding tickets on their driving record can get the cheapest car insurance rates from State Farm at an annual cost of $1,020.

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,020
Geico$1,453
USAA$1,869
Progressive$2,470
Allstate$2,942
Travelers$4,080

State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Boston is $1,346. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket. 

CompanyAverage annual rates
State Farm$1,346
Geico$1,924
USAA$2,482
Progressive$3,113
Allstate$4,540
Travelers$4,708

State Farm is the carrier that offers cheap auto insurance rates in Boston for drivers after a DUI. Its average annual rate for full coverage is $1,799

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,799
Geico$2,512
Progressive$2,784
USAA$4,643
Travelers$5,065
Allstate$6,330

Average car insurance cost in Boston 

In Boston, the annual cost of car insurance for the coverage level of 100/300/100 is $2,103 or around $175 per month. However, the average yearly rate for state minimum coverage in Boston is $593.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies. 

Average annual RatesState minimum average
$2,103$593

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

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