Updated December 20, 2025

4 Best Tips For Buying Cheap Car Insurance in Boston, MA

Massachusetts cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Boston, MA

Jerry has helped customers find affordable coverage in Massachusetts since 2019. In Boston, here are some key numbers from the past six months:

  • Jerry has helped 586 drivers to compare 5 insurance providers.

  • Majority of quotes range from $211 to $566 per month.

  • On average, Jerry users who switched to a lower quote saved $44 to $209 per month.

If you’re looking to save on car insurance, Jerry helps you shop around and find new quotes in minutes.

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How Jerry finds car insurance savings for Boston drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Boston drivers find more affordable coverage by comparing up to 5 insurers in just minutes. Here’s a look at real quotes Jerry customers in Boston found when they shopped around.

Recent quotes

Last Updated Dec. 21, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Massachusetts


If you’re looking to get the best deal on your car insurance, here are four top tips from Jerry’s agents that can help you save.

Jerry Agent Tip 1: Compare quotes to find the cheapest rate

Drivers in Boston can often save money just by checking quotes from different insurance companies. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage. 

Shopping around is one of the simplest ways to find cheaper insurance while still covering your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage

Recent customer quotes

Last Updated Dec. 21, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Key takeaway: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.

Jerry Agent Tip 2: Lower your premium by stacking discounts

Drivers in Boston can lower their premiums by taking advantage of discounts like having a safe driving record, getting a quote ahead of time or going paperless. These savings can help you get a lower quote without giving up the coverage you need. Jerry automatically searches for discounts you qualify for so you don’t miss a chance to save.

Key takeaway: Discounts can make a real difference, and Jerry ensures you don’t miss out. Our app automatically finds and stacks savings that apply to you.

Jerry Agent Tip 3: Balance protection and price to find the right coverage

Choosing the right mix of coverage helps drivers in Boston stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are coverage options available to drivers in Boston:

Minimum

$121$334/mo

Meets Massachusetts’ state-required coverages (including bodily injury liability, property damage liability, PIP and uninsured motorist), but does not cover damage to your own vehicle.

Full

$265$687/mo

Adds collision and comprehensive coverage for your car. This protection is often required if your vehicle is leased or financed.

Standard

$288$615/mo

Includes uninsured/underinsured motorist coverage and expanded medical payments or PIP.

Preferred

$291$663/mo

Offers higher liability limits, lower deductibles and extras like towing and rental reimbursement for more complete protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Accidents, bad weather, and unexpected repair bills happen, which is why the coverage you choose really matters. Jerry helps drivers in Boston compare affordable policies and find the protection that fits their budget. With the right coverage in place, driving feels a lot more calm, safe and confident.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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Xuyun Zeng

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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