Cheapest car insurance companies in Boston
After an in-depth analysis, Insurance.com found that State Farm and Geico are the cheapest car insurance companies in Boston for 2023.
State Farm offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for Boston drivers at an annual rate of $916 a year, on average.
Car insurance prices in Boston can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Boston drivers.
| Companies | Average 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 is the cheapest option for car insurance in Boston for teen drivers, with average annual premiums at just $2,607 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
For young drivers in Boston, State Farm has the cheapest auto insurance rates, with an average annual cost of $1,304 annually.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Boston is State Farm. Its average rate for a full coverage car insurance policy is $916 per year.
If you are a senior driver in Boston and looking for a cheap car insurance company, then consider buying insurance from State Farm. It is the cheapest auto insurance company for senior drivers, with an average premium of $693 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| 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
When determining car insurance rates in Boston, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
To find the cheapest car insurance company in Boston, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Below are some of the cheapest car insurance companies in Boston by driver profile.
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Boston. It provides full coverage car insurance for drivers aged 30 at about $1,020 per year.
Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.
| Company | Average annual premium |
|---|---|
| State Farm | $1,020 |
| Geico | $1,453 |
| USAA | $1,869 |
| Progressive | $2,470 |
| Allstate | $2,942 |
| Travelers | $4,080 |
Cheapest auto insurance after an at-fault accident: State Farm
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.
| Company | Average annual rates |
|---|---|
| State Farm | $1,346 |
| Geico | $1,924 |
| USAA | $2,482 |
| Progressive | $3,113 |
| Allstate | $4,540 |
| Travelers | $4,708 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Boston drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,799, on average.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average 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
The average car insurance rate in Boston for full coverage is $2,103 per year or $175 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Boston is $593 per year.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | State 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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