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Freeway Insurance
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GEICO
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Progressive
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Allstate
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USAA
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Plymouth Rock
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Safety Insurance
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Auto insurance is mandatory in Massachusetts. You also have to register your vehicle with the state to be able to drive it legally. You can’t register your car unless you carry insurance on it. There are four insurance coverage Boston residents must have:
In addition to required auto insurance coverage, there are additional coverage you can purchase. This includes:
Boston car insurance premiums can range from $35.84 to $149 per month. Your car type can affect premium cost.
| Car type | Boston average |
|---|---|
| Compact SUV | $1,722 |
| Midsize SUV | $1,848 |
| Compact car | $1,884 |
| Midsize car | $1,932 |
| Half-ton truck | $2,056 |
| Large car | $2,202 |
| Midsize luxury SUV | $2,202 |
| Midsize luxury car | $2,406 |
| Sports car | $2,588 |
| Large luxury car | $2,924 |
There are other factors that affect the price of car insurance, including:
There are also factors that could make your monthly premium change after you have established a policy. These include car accidents where you are at fault, traffic violations, or adding or dropping a driver.
How much is car insurance a month in Boston?
Car insurance can average around $149 a month in Boston. Several factors affect the cost, including coverage and vehicle type. You can usually get a deal on your car insurance rate by bundling a policy with your homeowners or renters insurance.
How much does your insurance go up after an accident in Massachusetts?
There isn’t a standard premium or percentage increase after an accident. Several factors affect the increase, including how many accidents you have had, your claims history and the insurance company.
Is Massachusetts a no-fault state for car accidents?
Massachusetts is a no-fault state for accidents. This means no matter who causes the accident, both parties are required to file a claim with their own insurance. Drivers are required to have personal injury protection as part of their policy in no-fault states.
Which car insurance type is best?
Massachusetts has certain requirements by law for car insurance policies. Aside from that, the best car insurance is what fits your budget and needs. Auto insurance companies have several tools to help you decide which personalized coverage is best for you.
Freeway Insurance |
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Freeway Insurance connects you with auto insurance that meets the minimum requirements of Massachusetts law, which is bodily injury to others, personal injury protection, bodily injury caused by an uninsured auto and damage to someone else's property. The company works with a network of insurers to present multiple options and quote comparisons. There are several discounts available, including multi-vehicle, anti-theft, bundling, multiple insured drivers and good-driver. Fill out the online form or call, and Freeway Insurance will give you a comparison of Boston auto insurance companies and offerings. The average price for auto insurance with Freeway is $1,600 a year, but note that many factors can influence cost. |
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GEICO |
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Geico provides auto insurance that meets minimum law requirements for Massachusetts. This includes bodily injury, property damage, uninsured motorist and personal injury protection. Using Geico’s coverage calculator, you can also review personalized recommendations for add-on coverage. There are discounts available for new cars, good grades, military service and multiple policies. Geico offers 24/7 customer service, a phone app and free online quotes. Boston pricing starts at around $101 per month. |
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Progressive |
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Progressive auto insurance in Boston starts at $35.84 per month. Discounts are available for five-year accident-free drivers, multiple cars, online quotes and paperless billing. The Name Your Price tool lets you enter what you can afford and see the type of coverage you can get. The company offers online quotes and transparent pricing. Additionally, Progressive can help you find a local Boston agent. |
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Allstate |
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Allstate offers auto insurance coverage that meets Massachusetts law requirements. Additional types of coverage available include collision, comprehensive, liability, medical payments, roadside assistance, personal umbrella and rental reimbursement. You can request a free quote online. Discounts include multi-policy, bundling and anti-theft. Allstate also offers Drivewise, which rewards drivers for safe-driving history. Allstate is a nationwide company with Boston offices. |
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USAA |
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USAA offers Boston auto insurance that averages around $149 per month. It meets the minimum Massachusetts coverage requirements, including bodily injury, liability, uninsured motorist and personal injury protection. Other types of coverage include comprehensive, collision and liability. Roadside assistance is available 24/7. USAA offers 24/7 claims reporting online, and discounts are available for good students, multiple vehicles, bundling home and auto policies and auto-drafted premium payments. |
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Plymouth Rock |
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Plymouth Rock offers coverage that meets Massachusetts law requirements. This includes bodily injury, uninsured auto, personal injury protection and damage to someone’s property. Additional coverage available includes medical payments, collision, comprehensive, substitute transportation and towing and labor. Discounts available include Road Rewards, which is their safe-driving program, and motor club discounts. Additionally, Plymouth Rock will pay for a cab or rideshare fare if you are in a situation where you do not feel safe to drive home. There are several independent Plymouth Rock agents in the central Boston area. |
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Safety Insurance |
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Safety Insurance offers auto insurance policies that meet Massachusetts law requirements. This includes coverage for property damage, bodily injury, personal injury and physical damage in a collision. Enhanced coverage offerings include Safety Shield, which features collision coverage, rental vehicle, guaranteed replacement cost, emergency road-travel expenses, towing and labor and extended vehicle-rental coverage. Safety Shield Plus includes Safety Shield coverage and accident forgiveness, pet coverage, seatbelt coverage and bail bonds. Safety Insurance also offers auto loan/lease gap coverage, which pays any amount due on the lease or loan of your vehicle in the event of a total loss. Pricing varies and several discounts are available. Safety Insurance is located at 20 Custom House St., Boston, MA 02110. |
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