Cheapest Car Insurance in Boston (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 7, 2025
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Cheapest Car Insurance in Boston (October 2025)

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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 Quote
City, State
ZIP Code
$46 $549 Safeco 56 05/21/25 Boston, MA 2111
$48 $576 Bristol West 29 07/10/25 Boston, MA 2215
$53 $632 Bristol West 29 05/24/25 Boston, MA 2115
$55 $662 Bristol West 56 09/21/25 Boston, MA 2118
$57 $688 Safeco 43 06/24/25 Boston, MA 2130
$61 $734 Bristol West 46 06/27/25 Boston, MA 2114
$62 $741 Geico 30 04/18/25 Boston, MA 2128
$68 $811 Geico 36 04/24/25 Boston, MA 2128
$68 $820 Bristol West 40 09/11/25 Boston, MA 2118
$69 $828 Bristol West 25 08/08/25 Boston, MA 2118
Last Updated October 2025

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

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 Quote
City, State
ZIP Code
$61 $726 Safeco 56 05/21/25 Boston, MA 2111
$68 $814 Safeco 29 09/09/25 Boston, MA 2215
$91 $1,094 Safeco 64 08/12/25 Boston, MA 2131
$109 $1,311 Geico 29 09/27/25 Boston, MA 2116
$115 $1,376 Bristol West 58 07/23/25 Boston, MA 2118
$118 $1,418 Safeco 23 05/22/25 Boston, MA 2134
$122 $1,462 Bristol West 45 06/24/25 Boston, MA 2114
$122 $1,464 Bristol West 40 09/11/25 Boston, MA 2118
$123 $1,470 Safeco 36 06/14/25 Boston, MA 2135
$127 $1,518 Bristol West 39 06/19/25 Boston, MA 2115
Last Updated Oct. 3, 2025

More: Best car insurance companies

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 Quote
City, State
ZIP Code
$35 $420 Safeco 29 No 09/09/25 Boston, MA 2215
$53 $632 Bristol West 29 No 05/24/25 Boston, MA 2115
$69 $828 Bristol West 25 No 08/08/25 Boston, MA 2118
$93 $1,118 Bristol West 25 No 05/21/25 Boston, MA 2114
$98 $1,176 Bristol West 25 No 09/02/25 Boston, MA 2134
$118 $1,418 Safeco 23 05/22/25 Boston, MA 2134
$122 $1,462 Bristol West 45 06/24/25 Boston, MA 2114
$122 $1,464 Bristol West 40 09/11/25 Boston, MA 2118
$123 $1,470 Safeco 36 06/14/25 Boston, MA 2135
$127 $1,518 Bristol West 39 06/19/25 Boston, MA 2115
Last Updated Oct. 3, 2025

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 Quote
City, State
ZIP Code
$35 $414 Geico 37 No 06/07/25 Boston, MA 2114
$55 $656 Safeco 51 No 08/08/25 Boston, MA 2111
$61 $734 Bristol West 46 No 06/27/25 Boston, MA 2114
$62 $741 Geico 30 No 04/18/25 Boston, MA 2128
$65 $775 Geico 30 No 07/14/25 Boston, MA 2135
$118 $1,418 Safeco 23 05/22/25 Boston, MA 2134
$122 $1,462 Bristol West 45 06/24/25 Boston, MA 2114
$122 $1,464 Bristol West 40 09/11/25 Boston, MA 2118
$123 $1,470 Safeco 36 06/14/25 Boston, MA 2135
$127 $1,518 Bristol West 39 06/19/25 Boston, MA 2115
Last Updated Oct. 3, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$46 $549 Safeco 56 No 05/21/25 Boston, MA 2111
$68 $812 Liberty Mutual 67 No 04/16/25 Boston, MA 2132
$91 $1,094 Safeco 64 Yes 08/12/25 Boston, MA 2131
$155 $1,864 Liberty Mutual 56 Yes 09/21/25 Boston, MA 2118
$169 $2,026 Embark General 58 No 07/23/25 Boston, MA 2118
$118 $1,418 Safeco 23 05/22/25 Boston, MA 2134
$122 $1,462 Bristol West 45 06/24/25 Boston, MA 2114
$122 $1,464 Bristol West 40 09/11/25 Boston, MA 2118
$123 $1,470 Safeco 36 06/14/25 Boston, MA 2135
$127 $1,518 Bristol West 39 06/19/25 Boston, MA 2115
Last Updated October 2025

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 Quote
Has Full Coverage
City, State
ZIP Code
$35 $414 Geico 37 06/07/25 No Boston, MA 2114
$35 $420 Safeco 29 09/09/25 No Boston, MA 2215
$46 $549 Safeco 56 05/21/25 No Boston, MA 2111
$53 $632 Bristol West 29 05/24/25 No Boston, MA 2115
$55 $656 Safeco 51 08/08/25 No Boston, MA 2111
$61 $734 Bristol West 46 06/27/25 No Boston, MA 2114
$62 $741 Geico 30 04/18/25 No Boston, MA 2128
$65 $775 Geico 30 07/14/25 No Boston, MA 2135
$67 $802 Bristol West 32 06/21/25 No Boston, MA 2111
$68 $812 Liberty Mutual 67 04/16/25 No Boston, MA 2132
Last Updated October 2025

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 07/24/24 Boston, MA 2118
At Fault With No Injury $110 $1,316 Embark General 51 No 06/25/25 Boston, MA 2118
At Fault With No Injury $115 $1,384 Bristol West 60 No 08/15/24 Boston, MA 2127
At Fault With No Injury $120 $1,444 Bristol West 53 No 10/07/25 Boston, MA 2115
At Fault With No Injury $122 $1,464 Bristol West 36 Yes 07/24/24 Boston, MA 2124
$61 $734 Bristol West 46 No Boston, MA 2114
$62 $741 Geico 30 No Boston, MA 2128
$65 $775 Geico 30 No Boston, MA 2135
$67 $802 Bristol West 32 No Boston, MA 2111
$68 $812 Liberty Mutual 67 No Boston, MA 2132
Last Updated Oct. 8, 2025

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 Quote
City, State
ZIP Code
Speeding under 15 $80 $960 Bristol West 48 09/09/25 Boston, MA 2130
Speeding under 15 $83 $994 Liberty Mutual 25 08/13/25 Boston, MA 2118
Speeding under 15 $94 $1,126 Bristol West 51 06/25/25 Boston, MA 2118
Speeding under 15 $151 $1,812 Bristol West 54 04/28/25 Boston, MA 2131
Speeding under 15 $239 $2,864 Embark General 47 06/30/25 Boston, MA 2136
$61 $734 Bristol West 46 06/27/25 Boston, MA 2114
$62 $741 Geico 30 04/18/25 Boston, MA 2128
$65 $775 Geico 30 07/14/25 Boston, MA 2135
$67 $802 Bristol West 32 06/21/25 Boston, MA 2111
$68 $812 Liberty Mutual 67 04/16/25 Boston, MA 2132
Last Updated Oct. 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Annie Millerbernd

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.

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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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