Boston, MA Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Boston, MA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Auto insurance in Boston
Bostonians enjoyed a brief window of low insurance premiums from 2008 to early 2012, when Massachusetts opened the state to competition. Since early 2012, however, auto insurance rates have been steadily rising. Boston is currently the 44th most expensive city to buy auto insurance in, with an average yearly insurance rate of $1,361. Massachusetts, with an average yearly insurance of $1,625, is the 14th most expensive state to buy insurance in.
In this feature, we will examine the auto insurance rates of the eight most popular cars in the state: Toyota’s Corolla and Camry, Nissan’s Altima, Honda’s CR-V, Civic and, Accord, Ford’s F-Series, and Chevrolet’s Silverado.
The Honda CR-V, one of the most popular compact SUVs from Honda, has an average yearly insurance rate of $1,124 in Boston, which is the lowest among all the cars. The Chevrolet Silverado, on the other hand, has an insurance average of $1344, which is the highest among the cars on the list.
Nissan’s Altima, another hot customer favorite, has an average yearly insurance rate as high as $ 1,330. The Honda Civic, Honda’s compact car, has an insurance average of $1,225, while the insurance average of the Honda Accord is $1,217. Among the Honda cars, the Civic is, therefore, the most expensive to insure in Boston.
Of Toyota’s two cars –the Corolla and the Camry – there is merely a difference of $15 between the average insurance rates. While the insurance average of the Corolla is $ 1,195, it costs $1,210 to insure the Camry in Boston.
The average yearly insurance of the Ford F-Series is $1,207.
The auto insurance rates in Massachusetts are reportedly higher than they were before the government deregulated the insurance industry. Insurance companies have been known to increase premiums several times a year. This may affect you even more if there are other factors contributing to raising your premiums, e.g. your driving record, high number of claims, or age, etc.
Factors that can influence the cost of car insurance in Boston, MA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Boston, MA Auto Insurance Rates
- Boston, MA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Boston, MA
- Multi Vehicle Insurance Savings in Boston, MA
- How Credit Score Affects Car Insurance Rates in Boston, MA
- How DUI Affects Auto Insurance Premiums in Boston, MA
- Top Auto Insurance Agents Near Boston, MA
- How Driving Violations Affect Auto Insurance Rates in Boston, MA
- Boston, MA Auto Insurance Discounts on Anti Theft Feature
- Boston, MA Auto Insurance Company Reviews
Boston, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Boston, MA with that of other cities in and around Boston.
| Boston | Somerville | Everett | Chelsea | Suffolk County | Winthrop Town | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,346 | $1,234 | $1,310 | $1,292 | $1,337 | $1,321 |
Boston, MA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Boston, MA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Boston | $1,981 | $1,673 |
| Suffolk County | $1,237 | $1,045 |
| Winthrop Town | $1,707 | $1,442 |
| Chelsea | $1,585 | $1,339 |
| Quincy | $1,670 | $1,410 |
| Everett | $1,918 | $1,620 |
| Somerville | $1,462 | $1,235 |
| Cambridge | $2,042 | $1,725 |
Boston, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Boston, MA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,368 |
| 20 Years | $1,729 |
| 30 Years | $1,332 |
| 40 Years | $1,282 |
| 50 Years | $1,187 |
| 60 Years | $1,203 |
| 70 Years | $1,401 |
Boston, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Boston, MA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,288 | $404 |
| 3 Vehicles | $3,432 | $606 |
| 4 Vehicles | $4,576 | $808 |
Savings on 2 Vehicles bundle:$404
Savings on 3 Vehicles bundle:$606
Savings on 4 Vehicles bundle:$808
Boston, MA Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Boston, MA.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Boston | $1,346 | $2,437 |
| Suffolk County | $1,337 | $2,421 |
| Winthrop Town | $1,321 | $2,392 |
| Chelsea | $1,292 | $2,339 |
| Quincy | $1,320 | $2,390 |
| Everett | $1,310 | $2,372 |
| Somerville | $1,234 | $2,234 |
| Cambridge | $1,234 | $2,234 |
Boston, MA Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,155 |
| Excellent (740-799) | $1,318 |
| Good (670-739) | $1,403 |
| Average (580-669) | $1,830 |
| Poor (300-579) | $2,195 |
Boston, MA Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Mcsweeney & Ricci Insurance | Liberty Mutual Independent | 420 WASHINGTON ST, BRAINTREE, 2184 | (781) 848-8600 |
| Elliot Whittier Insurance | Travelers | 12 REVERE ST, WINTHROP, 2152 | 800-696-3947 |
| Lighthouse Insurance Agency | None | 470 W Broadway, Boston, 2127 | None |
| Maietta Insurance Agency Inc. | None | 121 Mystic Avenue Suite 14, Medford, 2155 | None |
| Prescott & Son Ins Agy Inc | Liberty Mutual Independent | 963 EASTERN AVE, MALDEN, 2148 | (781) 322-2350 |
| Prescott & Son Insurance | None | 963 Eastern Ave, Malden, 2148 | None |
| Olde Bay Insurance Agency | None | 6 City Square, Boston, 2129 | None |
| Arthur J Gallagher Risk Management Svcs Inc | Travelers | 2 LIBERTY SQ 5TH FL, BOSTON, 2109 | 617-531-7770 |
| Sawyer Insurance Agency | None | 1496 Commwealth Ave Brighton, Boston, 2135 | None |
| Richard A. Kowalsky Insurance Agency, Inc. | None | 544 Lincoln Ave, Saugus, 1906 | None |
Boston, MA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$59 | $1,405 |
| Driver's Failure In Showing Documents | +$131 | $1,477 |
| Driving With An Expired Registration | +$139 | $1,485 |
| Driving At A Considerably Slow Pace | +$292 | $1,638 |
| Using A Cellphone While Driving | +$308 | $1,654 |
| Running A Red Light | +$314 | $1,660 |
| Speeding | +$330 | $1,676 |
| Driving A Vehicle Without The Required Permission | +$419 | $1,765 |
| Driving With An Expired/Suspended License | +$907 | $2,253 |
Boston, MA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,292 |
| Active Disabling Device | $1,292 |
| Tracking Device | $1,265 |
| Passive Disabling Device | $1,252 |
Latest Auto Insurance Reviews in Boston, MA | Back to Top
ProgressiveI've had overwhelmingly positive experiences with Progressive auto insurance customer service. They are consistently courteous, knowledgeable, and helpful.
ProgressiveCustomer service with Progressive is iffy. They have their good days and bad. It really depends on who you speak with.
Liberty MutualI am happy with Liberty Mutual -- I use them for my home owner's insurance, so I use them for my car insurance as well -- so, as above -- the website/mobile apps are easy to navigate.
State FarmI'd recommend them because they are easy to work with and don't flood you with mail or email. They are there if needed; invisible if not.
ProgressiveI highly recommend them. They have a great customer portal in their website which has tons of information about your coverage, and where you can print your insurance cards.
Allstatethe home insurance we have not yet have had to make a claim my wife and I are safe drivers and All State rewards safe drivers seen as we have children in the care with us that is not a hard thing to do
MetlifeI have not had to use the customer service for Met home and & Auto up to this point. Their rep I deal with on the pricing side has been helpful.
Narragansett Bay Insurance CompanyI do not like that insurance is required by law. Since insurance is required I think prices should be fixed. Since prices are not fixed, companies can get away with charging more for their services.
State FarmYou no longer have to deal with an actual agent. Some people like that; it always bothered me as I felt I was paying more to cover their wages.
American National Property And Casualty CompanyAmerican National offers the same type offerings as the leading insurance companies at a more affordable rate. Premium is lower and matched previous insurance company offers.
ProgressiveI have roadside assistance and had to call once for a lockout. It was a very long process. I had to go through a whole automated system before I actually talked to a person. When I finally got someone on the phone I was asked a ton of questions. It took a very long time.
Alfa InsuranceI would say that my car insurance policy is decent as I think it is very comparable to all other insurance companies. I think that I like my policy because I get a discount because my other family members have insurance with them.
Westfield InsuranceThis company does not have as many great benefits according to other insurance companies that are looked down upon. Recently looking over the roadside service information I was not impressed at all.
Arbella InsuranceIts hard to judge a company when I have not had to file a claim but I have had no issues with them. My truck originally in 2012 was worth over $45,000 so 6 years later I expected my premium to be less, which it is.
AllstateThe company is easily accessible and ready to help me any way they can. Always very kind and pleasant when I talk to anyone from the company.