Driving in Boston is uniquely challenging. The roads are narrow — some streets were paved before cars existed — and because there isn’t a centralized grid layout, it can be hard to find your way around the city’s criss-crossing one-way streets. On top of that, Massachusetts’s  lax jaywalking laws (with fines starting at $1) mean pedestrians may not pause for passing vehicles. 

A solid car insurance policy can help protect you and your finances while driving through Beantown. To help you comparison shop, we’ve gathered quotes from real Jerry customers that show how a driver’s age, driving history and coverage preferences can affect their policy costs.

Cheapest minimum coverage insurance in Boston

Massachusetts drivers must carry the following coverages:

• Bodily injury of $20,000 per person and $40,000 per accident.
• Personal injury protection of $8,000 per person, per accident.
• Uninsured motorist bodily injury of $20,000 per person and $40,000 total.
• Property damage of $5,000.

Here are the cheapest quotes that Boston drivers have received for minimum coverage via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Boston

The state’s minimum coverage may not protect your finances if you need to repair your car after an accident, collision with an animal or weather-related damage. Full coverage, which combines collision and comprehensive insurances, kicks in in these circumstances.

Here are the cheapest quotes that Boston drivers have received for full coverage via Jerry.

Cheapest car insurance for young drivers in Boston (18-29 years old)

Younger drivers, with limited experience on the road, may be viewed as risky by insurers, meaning they’ll often pay the highest rates. Here are the cheapest quotes that Boston drivers between 18 and 29 years old have received via Jerry.

Cheapest car insurance for mature drivers in Boston (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

Cheapest car insurance for drivers with clean records in Boston

Drivers with no violations or claims on their records often pay the least for insurance coverage. Here are the cheapest quotes that Boston drivers with clean records have received via Jerry.

Cheapest car insurance for drivers with at-fault accidents in Boston

Cheapest car insurance for drivers with speeding tickets in Boston

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.