Common Charges and High Suppliers (2023)

• Boston has among the costliest auto insurance coverage charges within the state due to its excessive inhabitants density and excessive price of dwelling.
• Excessive-risk drivers in Boston can discover the most cost effective common full-coverage charges with Geico and Progressive.
• Examine automobile insurance coverage quotes from numerous firms to seek out the protection and pricing.

Boston is without doubt one of the costliest cities in Massachusetts for automobile insurance coverage. That mentioned, it’s potential to seek out cheaper charges from some insurance coverage suppliers. Utilizing information from Quadrant Info Companies, we discovered the common charges for minimal and full protection in Boston for a number of driving profiles. 

While you store for Boston automobile insurance coverage, we advocate evaluating quotes from one of the best automobile insurance coverage firms in the marketplace.

Boston is essentially the most populous metropolis in Massachusetts and one of the vital costly cities within the nation. Meaning automobile insurance coverage prices in Boston are usually greater than each the state and nationwide averages. On this part, we’ll present common charges from the auto insurance coverage firms that supply the most cost effective minimum- and full-coverage insurance policies.

Least expensive Automobile Insurance coverage Corporations in Boston

One of many largest elements driving the price of automobile insurance coverage is the kind of protection you purchase. Massachusetts’ state-minimum protection compensates different drivers in the event you’re discovered at fault for a automobile accident. It might probably additionally cowl your medical payments as much as a sure restrict. These insurance policies are lots cheaper than full protection as a result of they don’t cowl harm to your automobile.

Full-coverage insurance coverage is dearer than minimal protection as a result of it provides safety equivalent to complete and collision insurance coverage, which each cowl damages to your automobile. In case you have an auto mortgage, your lender most likely requires you to hold a full-coverage coverage.

Within the sections under, we’ll take a look at the insurance coverage suppliers providing the most cost effective minimum- and full-coverage insurance policies. All charges are primarily based on the driving profile of a 35-year-old with good credit score and a clear driving report.

Least expensive Minimal-Protection Automobile Insurance coverage in Boston

On common, The Hanover Insurance coverage Group is the most cost effective automobile insurance coverage firm for minimal protection in Boston. It provides common charges of $35 per 30 days or $422 per 12 months. Allstate and Geico are additionally good choices for affordable automobile insurance coverage within the metropolis.

Least expensive Full-Protection Automobile Insurance coverage in Boston

For a full-coverage auto insurance coverage coverage, we discovered that Progressive is the most cost effective possibility in Boston on common. The corporate’s full protection prices a median of $157 per 30 days or $1,889 per 12 months.

Your driving report has a big impact on the price of your auto insurance coverage coverage. When looking for automobile insurance coverage, chances are you’ll discover that some firms weigh your driving historical past extra closely than others. Any accidents or driving violations in your report will trigger your automobile insurance coverage premium to extend.

Least expensive Boston Automobile Insurance coverage for Excessive-Threat Drivers

Automobile insurance coverage firms view drivers who usually tend to file a declare as excessive threat. This implies in case you have a latest at-fault accident, dashing ticket or DUI in your report, insurers contemplate you riskier to cowl.

Within the sections under, we’ll undergo common charges for 35-year-old male drivers with violations on their information. Word that Massachusetts doesn’t permit suppliers to make use of gender as an element when setting automobile insurance coverage charges.

Least expensive Boston Automobile Insurance coverage for Drivers With a Latest Accident

In Boston, Geico usually provides the most cost effective automobile insurance coverage for drivers with an accident on their report. In response to our information, the corporate’s full protection prices a median of $260 per 30 days or $3,115 per 12 months for this group.

*Accident applies to a single automobile with as much as $2,500 price of injury.

Least expensive Boston Automobile Insurance coverage for Drivers With a Dashing Ticket

Getting a dashing ticket will trigger your insurance coverage charges to extend. We discovered that Geico tends to supply the most cost effective charges for drivers with a dashing ticket on their report, at a median of $197 per 30 days or $2,366 per 12 months.

Least expensive Boston Automobile Insurance coverage for Drivers With a DUI

A DUI conviction will trigger your auto insurance coverage charges to skyrocket. Primarily based on our information, we discovered that Progressive usually provides one of the best charges for Boston drivers with a DUI. Common month-to-month premiums from Progressive are $211 per 30 days or $2,537 per 12 months for this group.

As we talked about, automobile insurance coverage in Boston is kind of costly. Our information exhibits Boston drivers pay a median of $78 per 30 days or $935 per 12 months for minimal protection. That is about 47% greater than the nationwide common, which is $53 per 30 days or $635 per 12 months. 

A full-coverage coverage in Boston is equally costly, costing a median of $313 per 30 days or $3,753 per 12 months. That is practically 117% greater than the nationwide common of $144 per 30 days or $1,730 per 12 months and about 42% greater than the state common of $221 per 30 days or $2,647 per 12 months.

Examine Automobile Insurance coverage Value by Metropolis

The desk under exhibits the common price of full-coverage automobile insurance coverage for 25 cities in Massachusetts, listed from least expensive to costliest. Worcester, the second-most populous metropolis within the state, is roughly 7% inexpensive than Boston on common.

*Common charges above apply to the highest three firms in every metropolis.

Components That Have an effect on Boston Automobile Insurance coverage Charges

Past your driving report, there are just a few different elements insurance coverage brokers weigh when calculating your auto insurance coverage quotes. These are the most typical elements that have an effect on your insurance coverage in Boston:

• ZIP code
• Car make, mannequin and age
• Kind of protection
• Protection limits

Massachusetts prohibits automobile insurance coverage firms from utilizing a driver’s gender, marital standing and credit score rating to find out charges. They’re additionally prohibited from contemplating age for drivers beneath 65 years outdated. Every insurer has a special method for setting your charges, so to seek out one of the best protection that matches your wants and funds, we advocate evaluating a number of firms.

Massachusetts is a no-fault state that requires all motorists to hold auto insurance coverage to legally drive. These are the 4 necessary coverages in Massachusetts, often known as obligatory coverages: