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 CAR INSURANCE RATES
| Boston Average (yearly) | Massachusetts Average | National Average |
| $1,766 | $1,463 | $1,548 |
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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.
BOSTON CAR INSURANCE RATES BY COMPANY
| 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.
BOSTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
| 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.
BOSTON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
| 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.
AVERAGE BOSTON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| 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.
BOSTON CAR INSURANCE RATES BY CREDIT LEVEL
| Credit Score | Average Yearly Rate |
| Very Poor | $1,766 |
| Fair | $1,766 |
| Good | $1,766 |
| Very Good | $1,766 |
| Exceptional | $1,766 |
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.
126
Rainy Days a Year
44"
Avg. Annual Rainfall
44"
Avg. Annual Snowfall
Be Prepared For
Driving in Beantown
Major Highways
I-90 I-93 I-495Toll Roads
Massachusetts TurnpikePopular Day Trips
Cape Cod Plum Island Mount MonadnockCar Insurance Companies in Boston
Find Local Boston Agents
Flynn Insurance Agency Inc
30 Park Street, Boston, MA 02129
Inland Underwriters Insurance Agency
One 13th St, Boston, MA 02129
MassDrive Insurance Group
241 A Street, Boston, MA 02210
Paul Lymneos Insurance Agency,Inc.
4258 Washington Street, Boston, MA 02131
Knapp Schenck & Company Ins Agency, Inc.
One India Street, Boston, MA 02109
$1,731
The average Bostonian's annual cost of coverage
40%
Our customer's average savings after comparing insurance
See How Much You Can Save in Boston
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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.
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The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
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The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
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The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
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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.