Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

How much is auto insurance in Boston?

The typical Boston driver pays $1,766 per year for car insurance. That's greater than than the average in Massachusetts ($1,463) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Boston. Or, enter your ZIP code above to receive a free customized quote.

Boston Average (yearly) Massachusetts Average National Average
$1,766 $1,463 $1,548

Jump to:

Or compare personalized rates side-by-side:

Location pin icon
No spam. We take your privacy seriously.

Boston car insurance rates by provider

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Boston's cheapest rates. Reference below the top options for affordable insurance in Boston. Don't forget to get car insurance quotes based on your unique driving profile.

Insurer Average Yearly Rate
GEICO $1,052
Safety $1,354
Plymouth Rock $1,388
Arbella $1,748
Metropolitan $1,824

Read our guide to finding the best cheap auto insurance.

Car insurance rates by age bracket in Boston

The age bracket that pays the least for auto insurance in Boston consists of drivers in their 60s, who pay an average of $1,496. Rates for Boston drivers in their 50s are also relatively affordable, at just $1,567 per year.

Teen drivers pay Boston's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Boston is to celebrate your 20th birthday. In Boston, teenage drivers pay $5,748 — a full $4,180 more than the second-most expensive rate paid by an age group.

Age tier Average Yearly Rate
Teenagers $5,748
20s $2,313
30s $1,718
40s $1,654
50s $1,567
60s $1,496
70s $1,581

Learn more about the impact of age on auto insurance rates.

Boston auto insurance premiums by gender and marital status

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers in Boston pay $7 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Boston, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Boston, male drivers pay $0 more per year for car insurance than do female drivers.

Marital Status/Gender Average Annual Rate
Female $1,766
Male $1,766
Single $1,759
Married $1,759
Divorced $1,759
Widowed $1,759

Learn more about how gender and marital status have on car insurance rates.

Boston auto insurance premiums by accident and citation history

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Boston drivers found guilty of reckless driving face insurance rate increases of $1,493 per year, compared to the citywide average. A DUI violation may lead to a $1,350 increase, while a citation for speeding leads to a $555 rate hike.

Incident/Violation Average Yearly Rate
DUI/DWI $3,116
Reckless Driving $3,259
At-fault Accident (damages less than $1,000) $2,137
At-fault Accident (damages greater than $2,000) $2,957
Speeding Ticket (16-20 mph over speed limit) $2,321

Learn more about the impact of driving violations on car insurance rates.

Boston auto insurance rates by credit score

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. Boston drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Boston, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.

Credit Score Average Yearly Rate
Very Poor $1,766
Fair $1,766
Good $1,766
Very Good $1,766
Exceptional $1,766

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

What drives up car insurance rates in Boston?

Where you live in Boston affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn't play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Boston is no exception to the rule. From ZIP code 02467 to 02119, premiums rise by 47 percent—that's $699.

Expensive Boston ZIP codes: 02126, 02125, 02121, 02120, 02119

Cheap Boston ZIP codes: 02467, 02108, 02217, 02222, 02196

Boston Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Boston, you can expect 126 rainy days with an annual rainfall of 43.8 inches. Boston is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Beantown

Major Highways
I-90 I-93 I-495
Toll Roads
Massachusetts Turnpike
Popular Day Trips
Cape Cod Plum Island Mount Monadnock

Boston Car Insurance Companies Near Me

Find Local Boston Agents

Paul Lymneos Insurance Agency,Inc.

4258 Washington Street, Boston, MA 02131

Inland Underwriters Insurance Agency

One 13th St, Boston, MA 02129

MassDrive Insurance Group

241 A Street, Boston, MA 02210

Knapp Schenck & Company Ins Agency, Inc.

One India Street, Boston, MA 02109

Flynn Insurance Agency Inc

30 Park Street, Boston, MA 02129


The average Bostonian's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 277 cups of coffee or $692 in savings

See How Much You Can Save in Boston

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

How much would my car insurance be to transfer to a new individual policy from my family's insurance?

It's hard to give you an accurate quote without having more information. There are a number of factors that come into play when determining your premium and each insurance company may weigh these factors differently when determining what you pay.
Aug 14, 2019 Boston, MA

Why is my ex's accident following me around in my insurance quotes?

Claims tend to be attached to the driver that was at fault. If you were the policyholder at the time, some companies will see this and still charge you for that at their discretion.
Jan 30, 2020 Boston, MA

Is it worth filing a claim for a scratch on my car that happened when it was parked?

If the scratch was the result of vandalism and not caused by another vehicle then filing a comprehensive claim should have little to no impact on your future rates. This also means that you will have to pay your comprehensive coverage deductible for the repair.
Oct 8, 2017 Boston, MA

Will non-moving violations impact my insurance premium?

Most companies do not consider non-moving violations as a factor when calculating your rate. But every company is different so you may run across one that will rate on non-moving violations, but it is really uncommon.
Jun 27, 2019 Boston, MA

Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.