The average cost of car insurance in Boston is $1,706 per year. This is $559 more than the cost in the whole state, which is $1,269, and $563 higher than the average cost in the whole country, which is $1,394, as of October 2023.
These prices are for a type of insurance that covers a lot of things, like if someone gets hurt or if there’s damage to someone else’s stuff because of a car accident.
In Massachusetts, car insurance costs more than it does in the whole country, and in places where people tend to drive recklessly, like Boston, it’s even more expensive. However, how much you pay for car insurance is not only about where you live. It also depends on many other things.
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Average car insurance cost in Boston
Car insurance rates in Massachusetts can vary from those in Boston for various reasons. Factors like the number of accidents, the types of roads, and even the weather can impact how much drivers are charged for insurance. According to our recently research, the average insurance rate in Massachusetts is $1,394, whereas in Boston, it’s $1,706.
| Average city rate | Average state rate |
| $1,706 | $1,394 |
It’s a good idea to check to compare quotes from other car insurance companies, even if you already have insurance. After this you can see that the prices and deals can be change, and you might find a cheapest car insurance in Boston.
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Average cost of car insurance in Boston by ZIP Codes
Car insurance prices can change depending on where you live, even within the same city. Some neighborhoods might have more accidents or thefts, which can make your insurance cost more. According to Carinsuranceqts.com, here are the average yearly car insurance costs for a 35-year-old driver with good credit and a clean driving record in the most populated ZIP codes in Boston.
| ZIP Code | Average Rate |
| 02115 | $1,707 |
| 02118 | $1,707 |
| 02215 | $1,719 |
| 02116 | $1,707 |
| 02134 | $1,692 |
| 02114 | $1,707 |
| 02111 | $1,707 |
| 02113 | $1,707 |
| 02210 | $1,707 |
| 02108 | $1,707 |
These average car insurance cost Boston are shown with discounts so don’t forget to look for possible discounts from your insurance company. Some insurance companies give you a lower price on car insurance if you get other types of insurance from them too or if you haven’t had to ask for money from them for a long time.
Minimum car insurance requirements in Boston
In Massachusetts, drivers are required to have a minimum amount of car insurance coverage. These minimums include:
- $20,000 bodily injury liability per person.
- $40,000 bodily injury liability per accident.
- $5,000 property damage liability per accident.
- $20,000 uninsured motorist coverage per person.
- $40,000 uninsured motorist coverage per accident.
- $8,000 personal injury protection.
Advice to buying extra insurance coverage, especially if you drive frequently, have been in accidents before, or if you want more financial protection when you’re driving.
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FAQs: Average Car Insurance Boston
How does the cost of car insurance in Boston compare to the national average?
Car insurance in Boston is higher than the national average, with an average cost of $1,828 compared to the national average of $1,265.
What factors contribute to the higher cost of car insurance in Boston?
There are many factors that affect your car insurance rates in Boston, including the frequency of accidents, types of roads, and local weather conditions.
Are there variations in car insurance costs within different neighborhoods in Boston?
Yes, car insurance costs can vary from one neighborhood to another within Boston. Some areas may have higher rates due to higher accident or theft rates.
Can I save on car insurance in Boston by shopping around and comparing quotes?
Yes, you can compare quotes from multiple insurance companies, as prices and offers can change over time. You may find a better rates by switching to a different insurer.
Is car insurance mandatory in Boston?
In Massachusetts law, you are required car insurance and You must obtain four specific coverage known as Compulsory (or Mandatory) Coverage, meeting at least the minimum amounts mandated by the law, and you can opt for higher coverage amounts if you wish.
