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 shop for auto insurance, 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.
More: Best car insurance in Massachusetts
Cheapest minimum coverage insurance in Boston
Massachusetts drivers must carry the following coverages:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $30,000 in property damage liability.
- $8,000 in personal injury protection.
- Uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Here are the cheapest quotes that Boston drivers have received for minimum coverage via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $46 | $556 | Bristol West | 56 | May 21, 2025 | Boston, MA | 02111 |
| $53 | $640 | Bristol West | 44 | July 24, 2024 | Boston, MA | 02118 |
| $55 | $662 | Bristol West | 31 | November 23, 2024 | Boston, MA | 02135 |
| $56 | $674 | Bristol West | 31 | November 25, 2024 | Boston, MA | 02210 |
| $65 | $782 | Bristol West | 39 | November 22, 2024 | Boston, MA | 02131 |
| $68 | $810 | Bristol West | 38 | August 13, 2024 | Boston, MA | 02135 |
| $71 | $848 | Bristol West | 31 | June 15, 2025 | Boston, MA | 02135 |
| $72 | $860 | Embark General | 70 | March 25, 2025 | Boston, MA | 02118 |
| $82 | $988 | Bristol West | 34 | August 23, 2024 | Boston, MA | 02132 |
| $83 | $992 | Bristol West | 53 | December 30, 2024 | Boston, MA | 02115 |
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Massachusetts
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 coverage and comprehensive insurance, kicks in in these circumstances.
Here are the cheapest quotes that Boston drivers have received for full coverage via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $56 | $674 | Bristol West | 31 | November 25, 2024 | Boston, MA | 02210 |
| $71 | $848 | Bristol West | 31 | June 15, 2025 | Boston, MA | 02135 |
| $94 | $1,130 | Bristol West | 45 | July 17, 2024 | Boston, MA | 02115 |
| $96 | $1,152 | Bristol West | 35 | February 10, 2025 | Boston, MA | 02130 |
| $100 | $1,204 | Bristol West | 26 | April 26, 2025 | Boston, MA | 02135 |
| $105 | $1,260 | Bristol West | 37 | November 30, 2024 | Boston, MA | 02135 |
| $114 | $1,366 | Bristol West | 34 | June 20, 2025 | Boston, MA | 02215 |
| $114 | $1,370 | Bristol West | 35 | August 11, 2024 | Boston, MA | 02119 |
| $122 | $1,464 | Bristol West | 36 | July 24, 2024 | Boston, MA | 02124 |
| $122 | $1,464 | Bristol West | 55 | December 16, 2024 | Boston, MA | 02134 |
More: Best car insurance companies
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $91 | $1,096 | Bristol West | 27 | No | September 23, 2024 | Boston, MA | 02124 |
| $97 | $1,158 | Bristol West | 27 | No | December 11, 2024 | Boston, MA | 02215 |
| $100 | $1,204 | Bristol West | 26 | Yes | April 26, 2025 | Boston, MA | 02135 |
| $104 | $1,250 | Bristol West | 29 | No | August 13, 2024 | Boston, MA | 02135 |
| $110 | $1,314 | Bristol West | 26 | No | November 25, 2024 | Boston, MA | 02109 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Boston (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $53 | $640 | Bristol West | 44 | No | July 24, 2024 | Boston, MA | 02118 |
| $55 | $662 | Bristol West | 31 | No | November 23, 2024 | Boston, MA | 02135 |
| $56 | $674 | Bristol West | 31 | Yes | November 25, 2024 | Boston, MA | 02210 |
| $65 | $782 | Bristol West | 39 | No | November 22, 2024 | Boston, MA | 02131 |
| $67 | $802 | Bristol West | 32 | No | November 8, 2024 | Boston, MA | 02125 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $556 | Bristol West | 56 | No | May 21, 2025 | Boston, MA | 02111 |
| $72 | $860 | Embark General | 70 | No | March 25, 2025 | Boston, MA | 02118 |
| $89 | $1,070 | Bristol West | 60 | No | August 17, 2024 | Boston, MA | 02122 |
| $97 | $1,164 | Bristol West | 60 | No | October 15, 2024 | Boston, MA | 02136 |
| $103 | $1,241 | Embark General | 65 | No | March 4, 2025 | Boston, MA | 02113 |
More: Best car insurance for seniors
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.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $556 | Bristol West | 56 | May 21, 2025 | No | Boston, MA | 02111 |
| $55 | $662 | Bristol West | 31 | November 23, 2024 | No | Boston, MA | 02135 |
| $56 | $674 | Bristol West | 31 | November 25, 2024 | Yes | Boston, MA | 02210 |
| $65 | $782 | Bristol West | 39 | November 22, 2024 | No | Boston, MA | 02131 |
| $67 | $802 | Bristol West | 32 | November 8, 2024 | No | Boston, MA | 02125 |
| $68 | $810 | Bristol West | 38 | August 13, 2024 | No | Boston, MA | 02135 |
| $71 | $848 | Bristol West | 31 | June 15, 2025 | Yes | Boston, MA | 02135 |
| $82 | $988 | Bristol West | 34 | August 23, 2024 | No | Boston, MA | 02132 |
| $84 | $1,010 | Bristol West | 32 | November 25, 2024 | No | Boston, MA | 02136 |
| $89 | $1,070 | Bristol West | 60 | August 17, 2024 | No | Boston, MA | 02122 |
Cheapest car insurance for drivers with at-fault accidents in Boston
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $53 | $640 | Bristol West | 44 | No | July 24, 2024 | Boston, MA | 02118 |
| At Fault With No Injury | $83 | $992 | Bristol West | 53 | No | December 30, 2024 | Boston, MA | 02115 |
| At Fault With No Injury | $104 | $1,246 | Bristol West | 51 | No | June 25, 2025 | Boston, MA | 02118 |
| At Fault With No Injury | $115 | $1,384 | Bristol West | 60 | No | August 15, 2024 | Boston, MA | 02127 |
| At Fault With No Injury | $122 | $1,464 | Bristol West | 36 | Yes | July 24, 2024 | Boston, MA | 02124 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Boston
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $53 | $640 | Bristol West | 44 | July 24, 2024 | Boston, MA | 02118 |
| Speeding under 15 | $97 | $1,166 | Safeco | 48 | March 22, 2025 | Boston, MA | 02125 |
| Speeding under 15 | $104 | $1,246 | Bristol West | 51 | June 25, 2025 | Boston, MA | 02118 |
| Speeding under 15 | $142 | $1,698 | Bristol West | 30 | December 15, 2024 | Boston, MA | 02119 |
| Speeding under 15 | $160 | $1,924 | Bristol West | 54 | April 28, 2025 | Boston, MA | 02131 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
