Car Insurance in Boston, Massachusetts
Estimated full coverage in Boston runs about $1,770 a year ($148/month) — ▲ +13% versus the Massachusetts average, ranking 1st most expensive of the 12 Massachusetts cities we cover.
Why car insurance in Boston costs more than the Massachusetts average
Insurers price by territory, and Boston's numbers explain most of the gap. With 673,458 residents on 48.3 square miles, the city's density (13,931 people per square mile) is 8.0 times the density where the typical Massachusetts resident lives (1,747). The average commute is 30.3 minutes (Massachusetts: 29.1), and 33% of workers drive alone. Together these put our location factor at 1.13× the state baseline for liability and collision.
| Factor | Boston | Massachusetts ref. | Why it matters |
|---|---|---|---|
| Population density | 13,931 / sq mi | 1,747 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 30.3 min | 29.1 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 10.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 32.9% | — | Share of workers commuting by car. |
| Public transit to work | 22.6% | — | Transit use lowers how much residents drive. |
| Work from home | 21.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 33.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 80.8 | 79.3 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Boston
Rates can change from one ZIP code to the next. Across 29 Boston ZIP codes, our full-coverage estimate ranges from $1,570 in 02163 to $1,900 in 02126. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 02124 | 56,216 | 18,941 | 35.2 min | 25.4% | $1,870 | +6% |
| 02128 | 43,345 | 8,626 | 32.0 min | 32.0% | $1,750 | −1% |
| 02135 | 43,149 | 16,596 | 32.1 min | 29.8% | $1,810 | +2% |
| 02130 | 40,055 | 11,315 | 30.6 min | 24.2% | $1,755 | −1% |
| 02136 | 37,265 | 8,105 | 33.9 min | 16.3% | $1,770 | 0% |
| 02127 | 36,769 | 17,866 | 30.0 min | 27.4% | $1,790 | +1% |
| 02125 | 33,662 | 15,527 | 30.3 min | 30.1% | $1,780 | +1% |
| 02131 | 31,151 | 11,173 | 33.2 min | 14.4% | $1,790 | +1% |
| 02115 | 29,705 | 41,779 | 22.1 min | 64.2% | $1,745 | −1% |
| 02121 | 29,040 | 15,398 | 36.5 min | 35.1% | $1,865 | +5% |
| 02118 | 28,946 | 26,605 | 26.5 min | 37.8% | $1,775 | 0% |
| 02119 | 27,377 | 16,952 | 30.2 min | 41.9% | $1,785 | +1% |
| 02126 | 26,583 | 14,542 | 39.3 min | 25.4% | $1,900 | +7% |
| 02132 | 26,444 | 5,437 | 31.7 min | 10.4% | $1,710 | −3% |
| 02215 | 24,581 | 27,807 | 19.9 min | 58.6% | $1,680 | −5% |
| 02122 | 23,479 | 13,836 | 33.1 min | 21.0% | $1,810 | +2% |
| 02116 | 21,978 | 33,864 | 24.0 min | 49.4% | $1,755 | −1% |
| 02129 | 20,032 | 14,806 | 28.7 min | 19.4% | $1,755 | −1% |
| 02134 | 17,667 | 14,294 | 33.0 min | 46.9% | $1,810 | +2% |
| 02120 | 15,283 | 24,690 | 24.3 min | 48.9% | $1,735 | −2% |
| 02114 | 14,418 | 32,546 | 21.2 min | 62.9% | $1,710 | −3% |
| 02111 | 8,407 | 42,893 | 20.9 min | 56.3% | $1,730 | −2% |
| 02210 | 6,971 | 7,553 | 23.9 min | 43.0% | $1,630 | −8% |
| 02113 | 6,385 | 65,825 | 24.0 min | 60.1% | $1,815 | +3% |
| 02108 | 3,794 | 13,847 | 22.6 min | 47.8% | $1,660 | −6% |
| 02109 | 3,612 | 21,247 | 22.4 min | 54.2% | $1,695 | −4% |
| 02110 | 2,342 | 13,084 | 27.1 min | 31.3% | $1,720 | −3% |
| 02163 | 1,817 | 9,929 | 18.2 min | 69.0% | $1,570 | −11% |
| 02199 | 1,292 | 22,667 | 25.6 min | 36.6% | $1,745 | −1% |
Minimum car insurance in Boston
Boston drivers follow Massachusetts's rules: at least 25/50/30 liability coverage, personal injury protection, and uninsured motorist coverage. Massachusetts is no-fault. We estimate state-minimum coverage in Boston at $670 a year, and $970 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $30,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $8,000 Personal injury protection of $8,000 per person is required and pays regardless of who caused the crash. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Coverage for bodily injury caused by an uninsured auto of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Minimums were raised recently from 20/40/5, and required uninsured motorist coverage from 20/40.
Risk factors that shape Boston premiums
Accidents
Massachusetts recorded 363 traffic deaths, or 0.59 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Massachusetts's vehicle theft rate is 88 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Honda Accord (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Suffolk County as relatively moderate for hail, relatively high for inland flooding and relatively moderate for strong wind, and relatively high for hurricanes.
Traffic & commuting
10.8% of Boston commuters spend an hour or more getting to work, and there are 0.97 vehicles per household. 21.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 76.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 75.4 | Comprehensive; dwelling | |
| Hurricane | 93.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 94.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 92.2 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 52.0 | Comprehensive; dwelling | |
| Winter weather | 44.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Boston by driver profile
A clean-record driver in their 50s pays the least in our Boston model (about $1,630 for full coverage); an 18-year-old on their own policy pays about $4,870, and a DUI pushes a 30-something to $3,275.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,845 | $2,675 | $4,870 | $406 |
| Young adult (22) | $1,075 | $1,555 | $2,830 | $236 |
| Adult in their 30s | $670 | $970 | $1,770 | $148 |
| Adult in their 50s | $615 | $895 | $1,630 | $136 |
| Senior (72) | $750 | $1,090 | $1,980 | $165 |
| 30s, one at-fault accident | $970 | $1,410 | $2,565 | $214 |
| 30s, DUI on record | $1,240 | $1,800 | $3,275 | $273 |
Minimum vs. standard vs. full coverage in Boston
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $670 | $56 | $550–$790 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $970 | $81 | $795–$1,145 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,770 | $148 | $1,450–$2,090 |
Estimate your premium in Boston
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Cheap car insurance in Boston: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Boston's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $125 | You're among the 21.3% of Boston workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $440 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $800 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $390 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Boston
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 13 offices listed below.
- Check complaint records with the Massachusetts Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Boston, our estimates differ by up to $330 a year between neighborhoods.
Car insurance agents near Boston, MA
We found 13 insurance offices within about 5 miles of central Boston, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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AAA Insurance
MA -
Liberty Mutual Insurance Company
175 Berkeley Street, Boston, MA -
Jason Calianos - Allstate
21 Roxbury St, Roxbury, MA 02119 -
Kaplansky Insurance
1361 Cambridge Street, Cambridge, MA 02139 -
Segal Insurance Agency
MA -
Amazonia Insurance
MA -
Michael Longo Insurance Agency
MA -
Messinger Insurance
475, , MA -
Allston Insurance
Cambridge, MA -
C+H Group
MA -
Titan Insurance
720 Centre Street, , MA -
Sabatino Insurance Agency
564 Broadway, , MA -
Robert T. Fowler & Sons Insurance
743 Centre Street, , MA
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Boston
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,330 | −25% |
| Subaru Outback | Wagon | $1,310 | −26% |
| Tesla Model 3 | Midsize car | $1,885 | +6% |
| Subaru Forester | Small SUV | $1,280 | −28% |
| Honda Civic | Compact car | $2,040 | +15% |
| Toyota Corolla | Compact car | $1,900 | +7% |
| Jeep Wrangler | Midsize SUV | $1,500 | −15% |
| Mazda CX-5 | Small SUV | $1,505 | −15% |
| MINI Cooper | Subcompact car | $1,345 | −24% |
| Tesla Model Y | Midsize SUV | $1,695 | −4% |
More car insurance topics in Boston
Car insurance in nearby Massachusetts cities
- Quincy $1,755/yr · 5 mi
- Cambridge $1,725/yr · 6 mi
- Lynn $1,755/yr · 10 mi
- Brockton $1,685/yr · 18 mi
- Framingham $1,625/yr · 21 mi
- Lowell $1,685/yr · 26 mi
- Worcester $1,595/yr · 41 mi
- Fall River $1,550/yr · 45 mi
- New Bedford $1,585/yr · 47 mi
- Springfield $1,525/yr · 79 mi
- Holyoke $1,430/yr · 83 mi
All Massachusetts cities and state rules · Homeowners insurance in Boston
Frequently asked questions
How much is car insurance in Boston, MA?
We estimate full coverage in Boston at about $1,770 a year ($148 a month) for a driver in their 30s with a clean record, and about $670 for Massachusetts's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Boston more expensive than the Massachusetts average?
Our Boston estimate is 13% higher than the statewide figure. The model reflects a population density of 13,931 people per square mile (the typical Massachusetts resident lives at about 1,747) and an average commute of 30.3 minutes versus 29.1 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Boston?
Drivers in Boston follow Massachusetts law: at least 25/50/30 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Boston has the cheapest car insurance?
Among Boston's 29 ZIP codes, 02163 has the lowest estimate (about $1,570 a year for full coverage) and 02126 the highest (about $1,900), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Boston?
An 18-year-old with their own full-coverage policy would pay around $4,870 a year in Boston by our estimate ($1,845 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Boston?
Yes. FEMA's National Risk Index rates Suffolk County for hurricane (relatively high) and inland (river) flooding (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Boston?
We list 13 insurance offices in and around Boston, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Massachusetts Division of Insurance: 2025 motor vehicle mandatory coverage limits notice
- Mass.gov: Massachusetts law about auto insurance
- Mass.gov: Basics of Auto Insurance
- Massachusetts Superior Court jury instruction 8.00 (PIP and tort threshold)
- Mass.gov: Filing An Insurance Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Boston and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places