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Car Insurance
Boston MA
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Written by: Andrew Brown
Quality Checked by: Samantha Reed
Massachusetts is among the states with the most expensive car insurance costs. Massachusetts has some of the highest auto insurance premiums in the country, averaging around $1,260 annually for full coverage. Boston car insurance rates continue to rise due to factors like population density and costly repair bills.
The Massachusetts state government regulates car insurance rates, meaning that individual insurers cannot lower prices on their own. With Massachusetts being a densely populated state, there are more vehicles on the road which increases accident risk and drives up claims payouts by insurers. Additionally, Boston Massachusetts is one of only a few states that requires drivers to carry personal injury protection (PIP) coverage which also raises premium costs.
Car repair costs also contribute significantly to Boston car insurance rates. Massachusetts auto body shops and mechanics typically charge more than the national average for repairs, making it costlier to insure cars in the state. The Massachusetts Commissioner of Insurance has proposed several initiatives such as a discount program designed to lower rates, but so far these efforts have not been successful.
Overall, Massachusetts continues to be one of the most expensive states in terms of car insurance costs due to government regulations and costly auto repair bills. Boston drivers can still find ways to save money on their premiums by comparing quotes from different insurers and taking advantage of discounts.
| 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 |
Young Boston drivers can expect to pay higher premiums than older and more experienced drivers. Massachusetts is a “fault” state, meaning that in order for someone to be compensated for their damages after an accident, there needs to be proof of fault. Younger drivers are more likely to be found responsible for accidents, therefore they are charged with higher rates.
In Boston, insurance companies have the right to charge young drivers up to double what they would normally charge an older driver with the same coverage and history. Massachusetts also has a graduated licensing system which requires teens under 18 years old to complete certain requirements before being allowed on the roads unsupervised. This law helps reduce teenage traffic fatalities and improves road safety but tends to increase insurance rates for young drivers.
Fortunately, Boston offers several discounts to reduce auto insurance costs for both young and older drivers. Most Massachusetts insurers offer discounts based on age, loyalty, accident avoidance, and good driving records. Massachusetts also has special programs such as a Good Student Discount that gives teens up to 15 percent off their car insurance if they maintain a certain grade point average in school.
By shopping around for the best rates and taking advantage of all available discounts, Boston drivers can help lower their car insurance costs no matter what their age or experience level may be.
|
| Travelers | Progressive | Allstate | Geico | State Farm |
| NAIC Market Share | 13.45% | 13.45% | 9.33% | 13.45% | 16.14% |
| S&P Global Ratings | A++ | A | A- | AA+ | AA |
| Average Full Coverage Yearly Premium | $2,202 | $1,770 | $1,596 | $1,463 | $717 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 4 stars | 5 stars |
|
| Travelers | Progressive | Allstate | Geico | State Farm |
| NAIC Market Share | 13.45% | 13.45% | 9.33% | 13.45% | 16.14% |
| S&P Global Ratings | A++ | A | A- | AA+ | AA |
| Average Full Coverage Yearly Premium | $2,202 | $1,770 | $1,596 | $1,463 | $717 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 4 stars | 5 stars |
|
| Travelers | Progressive | Allstate | Geico | State Farm |
| NAIC Market Share | 13.45% | 13.45% | 9.33% | 13.45% | 16.14% |
| S&P Global Ratings | A++ | A | A- | AA+ | AA |
| Average Full Coverage Yearly Premium | $2,202 | $1,770 | $1,596 | $1,463 | $717 |
| Discount Rating | 4 stars | 5 stars | 5 stars | 4 stars | 5 stars |
100 Summer St Suite 1601, Boston, MA 02110
(617) 956-9999
https://www.statefundins.com/
41 Union St, Boston, MA 02108
(857) 214-7556 ext. 03
http://cheapcarinsurancebostonma.com/
15 Beach St, Boston, MA 02111
(617) 865-2227
No website found
276 Washington St, Boston, MA 02108
(617) 849-8005
No website found
350 W Broadway, Boston, MA 02127
(617) 865-2228
No website found
138 Old Colony Ave, Boston, MA 02127
(617) 268-6030
http://www.koinsure.com/
When it comes to finding the best car insurance companies in Boston, there are a few key factors that come into play. Massachusetts has some of the highest premiums in the country due to its high population density and climate-related risks, so it’s important to weigh all your options before committing to an insurer. The Massachusetts Division of Insurance regulates all insurers operating in Massachusetts and provides consumers with guidance on their rates and policies. To help you get started, we’ve put together this list of the top car insurance companies in Massachusetts:
By doing your research and comparing quotes from multiple companies, you’ll be able to find the best car insurance company in Boston that meets your coverage needs at an affordable price. Remember to consider all of your options when shopping for Massachusetts car insurance and be sure to look for any additional discounts or benefits that may apply to you.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $5529 | $996 |
| Reckless Driving | $4028 | $977 |
| Wrong Way/Wrong Lane | $3428 | $962 |
| Driving on Sus. License | $3133 | $918 |
| Illegal Turn | $2842 | $910 |
| Failure to Obey Traffic Sign | $2785 | $878 |
| Speeding over 15 | $2150 | $848 |
| Defective Equipment | $1987 | $613 |
| Speeding under 15 | $1924 | $625 |
The Massachusetts Division of Insurance also regulates how insurance companies can rate drivers based on their driving records. Boston drivers who have committed certain violations will see an increase in their car insurance premiums, such as:
These infractions will stay on your Boston driving record for up to three years, so be sure to drive safely and follow all Massachusetts traffic laws. If you do get a ticket, many Massachusetts insurance companies offer safety courses that can help reduce the impact of a violation on your premiums. Make sure you talk to your insurer about any discounts you may qualify for after taking a Massachusetts safety course.
By understanding the regulations and offers of Massachusetts insurers, you can make sure you’re getting the best car insurance coverage for your needs at an affordable price. Comparing quotes from different companies is the best way to ensure you get the most value from your Boston car insurance policy.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1233 |
| Below Fair | $1301 |
| Poor | $1319 |
| Worst | $1337 |
Your credit score is one factor Massachusetts insurance companies use to determine your insurance premiums. Generally, Boston drivers with higher credit scores are seen as less of a risk and can get cheaper car insurance rates. Lower credit scores may result in higher rates because Massachusetts insurers consider those drivers to be more of a liability. Be sure to evaluate your credit score before applying for Massachusetts car insurance quotes and look into ways to improve it if necessary.
Remember that Massachusetts insurers also take other factors into account when determining premium costs, such as your driving record, type of vehicle, age and gender. Comparing multiple Boston car insurance quotes from different companies can help you get the best coverage at the most affordable price.
It is important to remember that Boston car insurance premiums are only one of the costs associated with your vehicle. The total monthly cost of owning a vehicle includes car payments, gas and maintenance costs, taxes and registration fees, as well as your Massachusetts car insurance premium. When comparing Massachusetts auto insurance quotes from different companies, be sure to factor in all of these expenses so you can get an accurate picture of what it will cost to own and maintain your vehicle each month.
By researching Boston auto insurance providers and shopping for competitive quotes, you can find the best coverage at an affordable price. Remember to consider all aspects of Massachusetts car ownership when looking for the most value in an auto policy.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
When shopping for Boston car insurance, you need to decide whether you want full coverage or liability-only coverage. Full coverage includes both collision and comprehensive coverage in addition to the Massachusetts required minimum liability limits, while liability-only policies only provide the Massachusetts required minimums and no other protection.
The type of Boston auto insurance coverage you choose will depend on your vehicle's value and the risks associated with driving it. If you have an older car that is not worth a lot, then liability-only may be enough protection. However, if you drive a newer vehicle or one that holds its value well, then having full Massachusetts car insurance coverage might be a better option.
Massachusetts requires all drivers to carry a minimum amount of liability insurance. The Boston MA required limits are:
In Boston, you must also carry uninsured/underinsured motorist coverage with the same limits as your liability policy. This type of Massachusetts car insurance will provide you with protection in case you are involved in an accident with a driver that does not have auto insurance or enough to cover your damages. Massachusetts also requires proof of financial responsibility at the time of registration and renewal for all vehicles registered within the state.
In Boston, teen drivers aged 16-17 must complete a Driver's Education program and obtain their learner's permit before they can apply for a Massachusetts driver’s license. Massachusetts teens also need to be insured with Massachusetts car insurance before obtaining their driver’s license. Many Massachusetts auto insurance companies offer special policies for teenage drivers, so it is important to do your research and shop around for the best coverage at the most affordable rate.
Boston seniors who are aged 65 and older may be eligible for special Massachusetts car insurance discounts. Many Massachusetts auto insurers offer lower rates for drivers in this age group, as elderly drivers tend to drive more carefully. Seniors can also benefit from Massachusetts car insurance discounts available for those with good driving records, low annual mileage, or who have taken an approved driver safety course. Be sure to ask your Massachusetts auto insurer about any special discounts you might qualify for.
In Boston, you may be required to file an SR-22 form with the Massachusetts Registry of Motor Vehicles (RMV) if you have had your Massachusetts driver’s license suspended or revoked. An SR-22 form is a certificate of financial responsibility issued by an insurance company that states you have Massachusetts car insurance coverage and are able to pay for any liability claims made against your policy. Massachusetts auto insurers can provide this documentation and inform the RMV that you have adequate Massachusetts car insurance coverage.
Boston auto insurance rates are based on a range of factors, including your driving record. If you receive a Massachusetts speeding ticket or any other type of moving violation, it will likely affect your Massachusetts car insurance premiums. Massachusetts auto insurers consider speeding tickets to be higher-risk behaviors and may raise your Massachusetts car insurance rates accordingly. The best way to avoid an increase in Massachusetts auto insurance costs is to drive safely and obey all applicable traffic laws.
Massachusetts auto insurance rates are based on a range of factors, including your gender. In Boston, male drivers tend to have higher Massachusetts car insurance rates than female drivers due to the higher risk associated with male drivers. Massachusetts auto insurers consider males to be more likely to engage in risky driving behaviors and more likely to file claims than females. However, the discrepancy between male and female Massachusetts car insurance premiums is narrowing as more states pass legislation prohibiting gender-based rate discrimination.
Massachusetts auto insurance companies offer a variety of Massachusetts car insurance policies to suit your individual needs and budget. Working with a Boston auto insurance agent or broker can be beneficial as they have access to multiple Massachusetts car insurers and can help you compare different Massachusetts auto insurance quotes and select the best coverage for your needs. Your Massachusetts auto insurance agent or broker will also be able to answer any questions you may have about Massachusetts car insurance laws and regulations.
Boston offers a number of government-run Massachusetts auto insurance assistance programs to help drivers who are unable to purchase Massachusetts car insurance due to financial hardship. These Massachusetts auto insurance assistance programs provide Massachusetts car insurance coverage at discounted rates to eligible drivers. To learn more about these Massachusetts auto insurance assistance programs, contact the Massachusetts Division of Insurance or your local Massachusetts Department of Motor Vehicles office.
Massachusetts auto insurers offer discounted Boston car insurance rates for college students who maintain a good grade point average, are under the age of 25, and meet other eligibility requirements. Be sure to ask your Massachusetts auto insurer about any special discounts you might qualify for as a college student.
Massachusetts auto insurers offer Massachusetts car insurance policies known as pay per mile insurance or usage-based Boston car insurance. These Massachusetts auto insurance policies are based on your driving habits and the number of miles you drive each year, rather than a traditional flat premium rate. Pay per mile Massachusetts car insurance may be an affordable option for drivers who do not drive frequently and can provide discounts for good driving behavior.
Massachusetts requires Massachusetts auto insurers to offer Massachusetts car insurance coverage for rental vehicles. However, you may be able to find cheaper Boston car insurance rates if you purchase rental vehicle coverage from your Massachusetts auto insurer rather than the rental company. Be sure to inquire about any discounts or special offers available when you purchase Massachusetts car insurance for your rental vehicle.
Drivers who have been deemed high risk due to a history of traffic violations or accidents may have difficulty finding Boston auto insurance policies at affordable rates. Fortunately, Massachusetts has a state-run high-risk Massachusetts car insurance program known as the “Massachusetts Automobile Insurance Plan” (MAIP) that can provide discounted Massachusetts auto insurance rates for high-risk drivers.
Massachusetts auto insurance regulations are designed to ensure that Boston drivers have access to affordable Massachusetts car insurance coverage. If you need assistance in understanding Massachusetts car insurance laws and regulations, contact your local Massachusetts Department of Motor Vehicles office or the Massachusetts Division of Insurance. They can help answer any questions you may have about Massachusetts auto insurance policies and provide helpful resources on Massachusetts car insurance options.
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It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Boston, Massachusetts. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Boston, MA. If you're looking for coverage after a DUI conviction then take a look at Massachusetts SR22.
Bundling auto and homeowners insurance in Boston promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Boston insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Boston at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
