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Find the Best Car Insurance Companies in Boston, MA

Massachusetts state law requires drivers to have car insurance, so drivers in Boston are always looking for appropriate coverage at a competitive price. Boston.com has partnered with ConsumerAffairs to create this guide comparing coverage, cost and consumer reviews and choosing the seven best among the top car insurance companies in Boston. Costs are based on an average 2019 Honda Civic, with state minimum requirements.

This content was created by a Boston.com partner. The editorial department of Boston.com had no role in writing, production, or display. Boston.com may be compensated for publishing this content and/or receive a commission on purchases of products or services described within the post.

Compare Car Insurance Companies in Boston

Types of car insurance coverage in Boston

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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:

  • Bodily injury to others: This protects you or anyone driving your car from legal liability if you cause an accidental injury or death while operating the vehicle. Bodily injury covers losses only if the accident happens in Massachusetts. It doesn’t cover the injury or death of a passenger in your car. The law requires coverage of at least $20,000 per person and $40,000 if more than one person is hurt.
  • Personal injury protection (PIP): Personal injury protection covers medical expenses in the event of an accident. This includes up to 75% of lost average weekly wage with a maximum of $8,000 total. PIP covers you, anyone you let drive, anyone in your household and vehicle passengers and pedestrians.
  • Property damage: Property damage covers damage to someone’s property if you, a household member or anyone you let drive your car causes accidental damage. By Massachusetts law, you must purchase a policy with a minimum of $5,000 coverage.
  • Uninsured auto: Bodily injury caused by uninsured auto provides coverage to you or anyone you let drive your car, household members and passengers should your car get in an accident with an uninsured or an unidentified driver (for example, a hit-and-run). Minimum requirements are $20,000 per person and $40,000 total for everyone injured by the uninsured.

In addition to required auto insurance coverage, there are additional coverage you can purchase. This includes:

  • Auto liability: Auto liability is coverage that steps in if you are at fault in an accident. This helps cover property damage and bodily injuries to the other driver.
  • Comprehensive coverage: Comprehensive auto coverage covers your vehicle from unexpected damages. This includes theft, vandalism, falling trees, rocks, storms, animal accidents and more. Comprehensive coverage isn’t required by law in Massachusetts.
  • Collision: Collision coverage pays for damage resulting from colliding with an object other than a vehicle. Examples are a mailbox, guard rail or telephone pole. Collision coverage also covers pothole damage.

Boston car insurance quotes

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

Table information provided by Insuraviz.

There are other factors that affect the price of car insurance, including:

  • Vehicle type
  • Vehicle age
  • Miles driven per year
  • Accident history
  • Claims history
  • Insured-driver numbers
  • Policy type

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.

Boston auto insurance FAQ

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.

Boston car insurance company information

Freeway Insurance

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.

Freeway Insurance


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.

GEICO Get a Quote


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.

Progressive Get a Quote


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.

Allstate Get a Quote


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.

USAA Get a Quote

Plymouth Rock

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.

Plymouth Rock Get a Quote

Safety Insurance

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.

Safety Insurance