Car Insurance Cost in Boston, MA (2025 Cheapest to Insure)

• Boston car insurance rates cost an average of $2,650 per year, or about $221 per month, for a full coverage policy.
• Boston car insurance costs an average of $26 per year less than the Massachusetts state average ($2,676) and $374 per year more than the U.S. national average rate ($2,276).
• Crossover vehicles like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Envision have the best chance of getting cheap car insurance in Boston.
• A few vehicles with segment-leading auto insurance rates include the Acura RDX ($2,212 per year), Honda Passport ($2,108 per year), Subaru Crosstrek ($1,954 per year), and Toyota GR Corolla ($2,298 per year).

How much does average car insurance cost in Boston?

Average auto insurance cost in Boston is $2,650 per year, which is around $221 per month. Boston car insurance costs 15.2% more than the national average rate of $2,276.

In the state of Massachusetts, the average cost to insure a vehicle is $2,676 per year, so the average cost in Boston is $26 less per year. The average cost to insure a car in Boston compared to other Massachusetts cities is $112 per year more than in Lowell, $188 per year more than in Cambridge, and $242 per year less than in Springfield.

The next chart displays additional costs for drivers age 20 to 60 by including rates for three different policy deductible limits. Seeing these rates can help you visualize how car insurance rates increase with lower deductibles, and decreases when deductible are raised.

Average car insurance rates in the chart above range from $1,860 per year for a high deductible policy for a 60-year-old driver to $6,194 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When average annual cost is converted to monthly rates, the average cost of car insurance per month in Boston ranges from $155 to $516.

Auto insurance rates can cost significantly different amounts and can also be significantly different between companies. The potential for significant variability increases the need to get accurate car insurance quotes when shopping around for the cheapest car insurance in Boston.

The age of the driver has the single biggest impact on the cost of car insurance. The list below illustrates these differences by breaking down average car insurance rates in Boston depending on driver age.

Average cost of car insurance in Boston by driver age

• 16-year-old rated driver – $9,428 per year or $786 per month
• 17-year-old rated driver – $9,136 per year or $761 per month
• 18-year-old rated driver – $8,186 per year or $682 per month
• 19-year-old rated driver – $7,455 per year or $621 per month
• 20-year-old rated driver – $5,326 per year or $444 per month
• 30-year-old rated driver – $2,824 per year or $235 per month
• 40-year-old rated driver – $2,650 per year or $221 per month
• 50-year-old rated driver – $2,346 per year or $196 per month
• 60-year-old rated driver – $2,198 per year or $183 per month

Models popular with drivers in Boston tend to be compact and midsize sedans like the Toyota Corolla and Toyota Camry and small or midsize SUVs like the Ford Escape, Nissan Rogue, and Toyota Highlander.

Additional popular models from other segments include luxury models like the Lexus ES 350 and Lexus RX 350, pickup trucks like the Ford F-150 and Toyota Tacoma, and sports cars like the Nissan GT-R and Audi TT.

We will get into different rates in much more detail later in this article, but before that, let’s revisit some of the concepts covered so far.

• Low deductible auto insurance costs more – A 30-year-old driver pays an average of $720 more per year for $250 physical damage deductibles versus $1,000.
• Car insurance rates decline considerably from age 20 to 30 – The average 30-year-old Boston driver will pay $2,502 less each year than a 20-year-old driver, $2,824 versus $5,326.
• Boston car insurance prices are cheaper than the Massachusetts state average – $2,650 (Boston average) compared to $2,676 (Massachusetts average)
• Boston car insurance costs more than the U.S. average – $2,650 (Boston average) versus $2,276 (U.S. average)
• Cost per month ranges from $183 to $786 – That’s the average auto insurance cost range for insured drivers age 16 to 60 in Boston.
• Insuring teens can be very expensive – Rates range from $6,303 to $9,428 per year for teenage driver insurance in Boston.

Which vehicles cost the least to insure in Boston?

When comparing all car, pickup truck, and SUV models, the models with the most affordable auto insurance rates in Boston tend to be compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average insurance prices for those vehicles cost $2,150 or less per year, or $179 per month, for full coverage.

Other vehicles that are ranked high in our auto insurance cost comparison are the Kia Niro, Acura RDX, Volkswagen Taos, and Buick Encore. Average rates are slightly more for those models than the cheapest crossovers and small SUVs at the top of the rankings, but they still have an average cost of $2,298 or less per year.

The next table ranks the 40 cars, trucks, and SUVs with the cheapest insurance rates in Boston, sorted by annual and monthly insurance cost.

A list of 40 vehicle rankings is great if you just want the lowest rates. Considering we track over 700 makes and models of vehicles, there are a lot of rates not being shown. Let’s dig a little deeper into the data and display the models with the lowest rates differently.

The section below further discusses the average cost of auto insurance in Boston for each different automotive segment. The rates shown will provide a decent idea of which automotive segments have the cheapest car insurance rates in Boston. Then the subsequent sections show the cheapest insurance rates for specific models for each segment.

Boston car insurance rates by vehicle segment

If you are considering buying a new vehicle, it’s important to know which styles of vehicles are less expensive to insure. As an example, some common questions are if midsize SUVs cost less to insure than small SUVs or if full-size pickups are more expensive to insure than midsize pickups.

The next chart shows the average auto insurance cost in Boston for each automotive segment. In general, small SUVs, vans, and midsize pickups have the best rates, with exotic performance models having the highest auto insurance rates.

Rates by different vehicle segments are suitable to make an overall comparison, but insurance rates for specific models range significantly within each automotive segment shown in the above chart.

For example, in the small luxury car segment, Boston insurance rates range from the Acura Integra costing $2,356 per year for a full coverage policy to the BMW M340i costing $3,234 per year. Also, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado at $2,332 per year up to the Rivian R1T at $3,304 per year.

In the next sections of the article, we eliminate this variability by comparing average auto insurance cost at the model level rather than the segment level.

Cheapest cars to insure in Boston

The four lowest-cost 2-door and 4-door sedans and hatchbacks to insure in Boston are the Toyota GR Corolla at $2,298 per year, Nissan Leaf at $2,320 per year, Honda Civic at $2,344 per year, and Nissan Sentra at $2,424 per year.

Additional models that have cheaper rates include the Toyota Prius, Kia K5, Honda Accord, and Toyota Corolla, with an average cost of $2,578 per year or less.

Full-coverage car insurance for this segment in Boston for the average driver starts at around $192 per month, depending on your location. The next table ranks the cars with the most affordable average car insurance rates in Boston, starting with the Toyota GR Corolla at $192 per month and ending with the Mazda 3 at $228 per month.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Boston car insurance quotes from the best car insurance companies in Massachusetts.

Cheapest SUV insurance rates in Boston

The #1 ranking in Boston for cheapest insurance in the non-luxury SUV segment is the Subaru Crosstrek, at $1,954 per year. Second place is the Chevrolet Trailblazer at $1,990 per year, and the third cheapest is the Kia Soul, costing an average of $2,068 per year.

Other SUVs that rank well in our comparison include the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Buick Envision, with average cost of $2,168 per year or less.

As a cost per month, full-coverage insurance in this segment for an average middle-age driver can cost as low as $163 per month, depending on where you live and the company you use. The table below ranks the twenty SUVs with the cheapest car insurance rates in Boston.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Need rates for a different SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Massachusetts.

Cheapest pickups to insure in Boston

The three highest ranking pickup trucks with the cheapest insurance rates in Boston are the Chevrolet Colorado at $2,332 per year, the Nissan Titan at $2,478 per year, and the Nissan Frontier at $2,502 per year.

Rounding out the top 10 are pickups like the Hyundai Santa Cruz, Toyota Tacoma, GMC Sierra 2500 HD, and Honda Ridgeline, with average rates of $2,724 per year or less.

Car insurance rates in this segment can cost as low as $194 per month, depending on your company and location. The next table ranks the pickups with the lowest-cost average auto insurance rates in Boston, starting with the Chevrolet Colorado at $2,332 per year ($194 per month) and ending with the Ram Truck at $3,062 per year ($255 per month).

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup in the list? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Boston car insurance quotes from the best car insurance companies in Massachusetts.

Cheapest luxury car insurance rates in Boston

The top four luxury cars with the most affordable car insurance in Boston are the Acura Integra at $2,356 per year, BMW 330i at $2,696 per year, Mercedes-Benz CLA250 at $2,724 per year, and Lexus IS 300 at $2,728 per year.

Some other luxury cars that have affordable insurance rates include the Mercedes-Benz AMG CLA35, Genesis G70, Lexus RC 300, and Lexus ES 350, with average rates of $2,784 per year or less.

In the lower half of the top 20 luxury cars to insure, cars like the Cadillac CT5, Lexus ES 250, Lexus IS 350, BMW 330e, and Lexus ES 300h average between $2,784 and $2,968 per year for auto insurance.

Full-coverage auto insurance for this segment in Boston starts at around $196 per month, depending on your company and location.

When the luxury car segment is analyzed by vehicle size, the cheapest compact luxury car to insure in Boston is the Acura Integra at $2,356 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is cheapest to insure at $2,724 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $3,144 per year.

The table below ranks the cars with the most affordable auto insurance rates in Boston, starting with the Acura Integra at $196 per month and ending with the Audi S3 at $247 per month.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see insurance rates for your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Boston car insurance quotes from top car insurance companies in Massachusetts.

Cheapest luxury SUV insurance rates in Boston

The top three luxury SUVs with the most affordable average auto insurance rates in Boston are the Acura RDX at $2,212 per year, the Lexus NX 250 at $2,340 per year, and the Cadillac XT4 at $2,390 per year.

Other luxury SUVs that have good average insurance rates include the Lexus NX 450h, Lincoln Corsair, Lexus UX 250h, and Mercedes-Benz GLB 250, with an average cost of $2,550 per year or less.

On a monthly basis, car insurance on this segment in Boston for the average driver can cost as low as $184 per month, depending on the company and your location.

If rates are ranked by vehicle size, the most budget-friendly compact luxury SUV model to insure in Boston is the Acura RDX at $2,212 per year, or $184 per month. For midsize luxury SUV models, the Jaguar E-Pace is cheapest to insure at $2,474 per year, or $206 per month. And for full-size luxury SUV models, the Infiniti QX80 is cheapest to insure at $2,968 per year, or $247 per month.

The table below ranks the SUVs with the most affordable average insurance rates in Boston, starting with the Acura RDX at $2,212 per year ($184 per month) and ending with the Lexus RX 350 at $2,656 per year ($221 per month).

See our guides for luxury SUV insurance to compare rates for additional makes and models.

Don’t see your vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Boston car insurance quotes from top-rated companies in Massachusetts.

Cheapest sports cars to insure in Boston

Ranking in the top five for the lowest-cost Boston car insurance rates in the sports car and performance segment are the Subaru WRX, Mazda MX-5 Miata, Ford Mustang, BMW Z4, and Toyota GR86. Auto insurance quotes for these vehicles average $2,968 or less per year, or around $247 per month.

Not the cheapest sports cars to insure, but still affordable, are cars like the Toyota GR Supra, Subaru BRZ, BMW M2, and Nissan Z, with average annual insurance rates of $3,164 per year or less.

In the lower half of the top 20 sports cars to insure, cars like the Lexus LC 500, Mercedes-Benz AMG GT53, BMW M4, Chevrolet Corvette, BMW M3, and Chevrolet Camaro average between $3,164 and $4,486 per year to insure.

Full-coverage auto insurance for this segment in Boston starts at an average of $204 per month, depending on your company and location.

The table below ranks the twenty sports cars with the most affordable car insurance in Boston, starting with the Mazda MX-5 Miata at $2,450 per year and ending with the Porsche Taycan at $4,486 per year.

Don’t see your sports car? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Massachusetts.

Risk factors and price variation

To help clarify how much the cost of identical car insurance can fluctuate between drivers, the examples below visualize multiple rates for four popular vehicles in Boston: the Ford F150, Toyota Corolla, Nissan Rogue, and Kia Sorento.

Each chart uses a variety of risk profiles to demonstrate the cost fluctuation with only minor changes to the factors that affect policy cost.

Ford F150 insurance rates

Ford F150 insurance in Boston averages $2,964 per year, ranging from $2,484 per year on the F150 XL Super Cab 4WD trim (MSRP of $46,195) up to $3,440 per year on the F150 Lightning Platinum Black Special Edition trim level (MSRP of $100,090).

When Boston insurance rates on a Ford F150 are compared to the overall national average cost on the same model, rates are $230 to $320 more per year in Boston, depending on the specific trim level being insured.

On a monthly basis, full-coverage car insurance on the Ford F150 for a safe driver can range from $207 to $287 per month, but your final cost can vary based on your address in Boston.

The rate chart below can help visualize how the price of car insurance on a Ford F150 can range significantly based on changes in driver age, deductibles, and risk profiles.

The Ford F150 is considered a full-size truck, and additional models from the same segment that are popular in Boston include the Toyota Tundra, GMC Sierra, Ram Truck, and Nissan Titan.

Toyota Corolla insurance rates

Toyota Corolla insurance in Boston averages $2,578 per year, with a range of $2,348 per year on the Corolla LE trim level up to $2,916 per year on the Corolla XSE Hatchback model.

As a cost per month, full-coverage insurance on a Toyota Corolla for a good driver can cost from $196 to $243 per month, depending on policy limits and your Zip Code in Boston.

The next rate chart may help explain how car insurance quotes for a Toyota Corolla can vary for a variety of different driver ages, physical damage coverage deductibles, and driver risk profiles.

The Toyota Corolla is a compact car, and other models popular in Boston include the Volkswagen Jetta, Nissan Sentra, Hyundai Elantra, and Chevrolet Cruze.

Nissan Rogue insurance rates

With a purchase price ranging from $29,360 to $39,230, average Boston car insurance quotes for a Nissan Rogue cost from $2,254 per year for the Rogue S 2WD model up to $2,492 per year for the Rogue Platinum AWD model.

When Boston car insurance rates on the Nissan Rogue are compared with the overall national average cost on the same vehicle, rates are $210 to $234 more per year in Boston, depending on the model being insured.

From a cost per month standpoint, car insurance rates on a Nissan Rogue for the average driver can cost from $188 to $208 per month, depending on exactly where you live in Boston.

The next chart illustrates how the cost to insure a Nissan Rogue can vary for different driver ages, policy deductibles, and driver risk scenarios.

For this example, cost varies from $1,976 to $5,436 per year, which is a cost difference of $3,460 caused by changing the rated driver.

The Nissan Rogue is part of the compact SUV segment, and other popular same-segment models include the Toyota RAV4, Mazda CX-5, Subaru Forester, and Ford Escape.

Kia Sorento insurance rates

The cheapest 2024 Kia Sorento model to insure in Boston is the LX model, costing an average of $2,302 per year, or about $192 per month. This trim level has a MSRP of $32,000.

The most expensive 2022 Kia Sorento trim to insure in Boston is the SX Prestige Plug-in Hybrid, costing an average of $2,702 per year, or about $225 per month. The retail price for this trim is $52,000, not including documentation and destination fees.

From a cost per month standpoint, car insurance rates on the Kia Sorento for a safe driver can cost from $192 to $225 per month, depending on your exact location in Boston.

The rate chart below shows how insurance quotes for a Kia Sorento can be significantly different for a number of different driver ages, deductibles, and risk profiles.

For this example, rates range from $2,088 to $5,770 per year, which is a cost difference of $3,682.

The Kia Sorento is classified as a midsize SUV, and other models from that segment that are popular in Boston include the Ford Explorer, Ford Edge, and Kia Telluride.

Saving money on auto insurance

Drivers should always be looking to pay less for insurance, so glance at the tips and ideas in the list below and maybe you can save a few bucks on your next policy purchase.

• Pay small claims out-of-pocket. Most auto insurance companies offer a discount if you do not file any claims. Insurance should only be used for significant financial loss, not nickel-and-dime type claims.
• Compare insurance costs before buying a car. Different cars, and even different trim levels of the same car, have very different car insurance rates, and car insurance companies can charge a wide range of costs. Check rates before you buy a different car so you can avoid any surprises when insuring your new car.
• Careful drivers have lower Boston auto insurance rates. Causing too many accidents will raise rates, as much as $3,778 per year for a 20-year-old driver and as much as $1,098 per year for a 40-year-old driver. So drive safe and save!
• Clean up your credit for better rates. Insureds with excellent credit scores of 800+ could save as much as $416 per year when compared to a rating of 670-739. Conversely, a below average credit score could cost around $482 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• If your car is older, remove unneeded coverages. Dropping physical damage coverage (comprehensive and collision) from vehicles that are older can cut the cost of car insurance significantly.