Car Insurance Cost in Boston, MA (2022 Cheapest to Insure)

How much does car insurance cost in Boston? Not only do we find the lowest-cost cars, trucks, and SUVs to insure, we break them out by vehicle segment to truly find the cheapest car insurance in Boston.

Start QuoteCompare Boston car insurance rates and save on your next policy.

  • Boston car insurance rates cost an average of $1,706 per year, or about $142 per month, for a full coverage policy.
  • Boston car insurance costs an average of $460 per year more than the Massachusetts state average ($1,246) and $139 per year more than the U.S. national average rate ($1,567).
  • Crossover vehicles like the Mazda CX-5, Nissan Kicks, and Toyota C-HR have the best chance of getting cheap car insurance in Boston.
  • A few vehicles with segment-leading auto insurance rates include the Acura RDX ($1,462 per year), Honda Passport ($1,372 per year), Mazda CX-5 ($1,300 per year), and Subaru Impreza ($1,482 per year).

How much does average car insurance cost in Boston?

Average auto insurance cost in Boston is $1,706 per year, which is around $142 per month. Boston car insurance costs 8.9% more than the national average rate of $1,567.

In the state of Massachusetts, the average cost to insure a vehicle is $1,246 per year, so the average cost in Boston is $460 more per year. The average cost to insure a car in Boston compared to other Massachusetts cities is $106 per year more than in Lowell, $174 per year more than in Cambridge, and $240 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Boston car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Boston zip codes.Data last updated on June 24, 2022
Average Car Insurance Cost in Boston, MA
Average Car Insurance Cost in Boston, MA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,878$240
$500$3,390$283
$250$3,930$328
30$1,000$1,510$126
$500$1,798$150
$250$2,096$175
40$1,000$1,444$120
$500$1,706$142
$250$1,980$165
50$1,000$1,318$110
$500$1,554$130
$250$1,802$150
60$1,000$1,294$108
$500$1,526$127
$250$1,768$147

Average car insurance rates in the chart above range from $1,294 per year for a high deductible policy for a 60-year-old driver to $3,930 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 $108 to $328.

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 – $6,120 per year or $510 per month
  • 17-year-old rated driver – $5,712 per year or $476 per month
  • 18-year-old rated driver – $5,336 per year or $445 per month
  • 19-year-old rated driver – $4,826 per year or $402 per month
  • 20-year-old rated driver – $3,390 per year or $283 per month
  • 30-year-old rated driver – $1,798 per year or $150 per month
  • 40-year-old rated driver – $1,706 per year or $142 per month
  • 50-year-old rated driver – $1,554 per year or $130 per month
  • 60-year-old rated driver – $1,526 per year or $127 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 $474 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 $1,596 less each year than a 20-year-old driver, $1,804 versus $3,400.
  • Boston car insurance prices are more expensive than the Massachusetts state average – $1,706 (Boston average) compared to $1,246 (Massachusetts average)
  • Boston car insurance costs more than the U.S. average – $1,706 (Boston average) versus $1,567 (U.S. average)
  • Cost per month ranges from $128 to $512 – 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 $4,292 to $6,120 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 Chevrolet Trailblazer, Nissan Kicks, and Buick Encore.

Average insurance prices for those vehicles cost $1,426 or less per year, or $119 per month, for full coverage.

Other vehicles that are ranked high in our auto insurance cost comparison are the Mazda MX-5 Miata, Kia Seltos, Subaru Forester, and Acura RDX. 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 $1,484 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.

Cheapest Car Insurance Rates in Boston
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,300$108
2Nissan Kicks$1,332$111
3Chevrolet Trailblazer$1,340$112
4Subaru Crosstrek$1,370$114
5Honda Passport$1,372$114
6Toyota C-HR$1,406$117
7Chevrolet Colorado$1,408$117
8Buick Encore$1,414$118
9Nissan Rogue Sport$1,426$119
10Hyundai Venue$1,450$121
11Buick Envision$1,452$121
12Kia Seltos$1,456$121
13Acura RDX$1,462$122
14Ford Maverick$1,462$122
15Toyota Corolla Cross$1,466$122
16Subaru Ascent$1,468$122
17Hyundai Kona$1,476$123
18Mazda MX-5 Miata$1,478$123
19Subaru Forester$1,480$123
20Subaru Impreza$1,482$124
21Volkswagen Tiguan$1,484$124
22Chevrolet Spark$1,490$124
23Honda CR-V$1,496$125
24Cadillac XT4$1,500$125
25Mazda CX-30$1,512$126
26Ford Ranger$1,518$127
27Honda HR-V$1,536$128
28Ford Edge$1,538$128
29Ford Ecosport$1,548$129
30Chevrolet Trax$1,566$131
31Subaru Outback$1,566$131
32Acura ILX$1,574$131
33GMC Terrain$1,574$131
34Mitsubishi Eclipse Cross$1,578$132
35Hyundai Tucson$1,586$132
36Toyota Tacoma$1,586$132
37Nissan Murano$1,588$132
38Chevrolet Bolt$1,590$133
39Honda Odyssey$1,594$133
40Chevrolet Equinox$1,596$133

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
    Cheapest Car Insurance Rates in Boston

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Boston car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Boston Zip Codes.Data last updated on June 24, 2022
    Average Boston Car Insurance Rates by Vehicle Segment
    Boston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,596$133
    Midsize Pickup$1,640$137
    Minivan$1,724$144
    Midsize SUV$1,728$144
    Compact Car$1,758$147
    Midsize Car$1,780$148
    Half-ton Pickup$1,858$155
    Compact Luxury SUV$1,920$160
    Large SUV$1,926$161
    Compact Luxury Car$1,936$161
    Large Car$1,976$165
    Heavy Duty Pickup$2,038$170
    Midsize Luxury SUV$2,064$172
    Midsize Luxury Car$2,258$188
    Sports Car$2,410$201
    Large Luxury SUV$2,582$215
    Large Luxury Car$2,702$225

    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 Mercedes-Benz A220 costing $1,680 per year for a full coverage policy to the BMW M340i costing $2,132 per year. Also, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado at $1,408 per year up to the Rivian R1T at $2,174 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 Subaru Impreza at $1,482 per year, Chevrolet Spark at $1,490 per year, Volkswagen Golf at $1,642 per year, and Subaru Legacy at $1,656 per year.

    Additional models that have cheaper rates include the Honda Insight, Nissan Sentra, Kia K5, and Toyota Camry, with an average cost of $1,682 per year or less.

    Full-coverage car insurance for this segment in Boston for the average driver starts at around $124 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 Subaru Impreza at $124 per month and ending with the Chevrolet Malibu at $148 per month.

    Cheapest Cars to Insure in Boston
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,482$124
    Chevrolet SparkCompact$1,490$124
    Volkswagen GolfCompact$1,642$137
    Subaru LegacyMidsize$1,656$138
    Honda InsightMidsize$1,660$138
    Volkswagen JettaCompact$1,660$138
    Nissan SentraCompact$1,664$139
    Kia K5Midsize$1,678$140
    Toyota CorollaCompact$1,680$140
    Toyota CamryMidsize$1,682$140
    Kia RioCompact$1,684$140
    Volkswagen PassatMidsize$1,688$141
    Honda CivicCompact$1,692$141
    Mazda 3Compact$1,698$142
    Mazda 6Midsize$1,702$142
    Toyota PriusCompact$1,708$142
    Hyundai AccentCompact$1,728$144
    Hyundai VelosterCompact$1,744$145
    Kia ForteCompact$1,748$146
    Chevrolet MalibuMidsize$1,774$148

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
      Cheapest Cars to Insure in Boston

      The most popular cars in Boston frequently have pricier auto insurance rates. A few of the more popular non-luxury cars that did not make the cheapest insurance rankings above include the Chrysler 300 costing $1,828 per year, the Tesla Model 3 costing $1,794, the Volkswagen GTI at an average of $1,710, and the Volkswagen Jetta costing an average of $1,624.

      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 Mazda CX-5, at $1,300 per year. Second place is the Nissan Kicks at $1,332 per year, and the third cheapest is the Chevrolet Trailblazer, costing an average of $1,340 per year.

      Other SUVs that rank well in our comparison include the Buick Encore, Buick Envision, Nissan Rogue Sport, and Toyota C-HR, with average cost of $1,452 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 $108 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.

      Cheapest SUVs to Insure in Boston
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,300$108
      Nissan KicksCompact$1,332$111
      Chevrolet TrailblazerCompact$1,340$112
      Subaru CrosstrekCompact$1,370$114
      Honda PassportMidsize$1,372$114
      Toyota C-HRCompact$1,406$117
      Buick EncoreCompact$1,414$118
      Nissan Rogue SportCompact$1,426$119
      Hyundai VenueCompact$1,450$121
      Buick EnvisionCompact$1,452$121
      Kia SeltosCompact$1,456$121
      Toyota Corolla CrossCompact$1,466$122
      Subaru AscentMidsize$1,468$122
      Hyundai KonaCompact$1,476$123
      Subaru ForesterCompact$1,480$123
      Volkswagen TiguanCompact$1,484$124
      Honda CR-VCompact$1,496$125
      Mazda CX-30Compact$1,512$126
      Honda HR-VCompact$1,536$128
      Ford EdgeMidsize$1,538$128

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
        Cheapest SUVs to Insure in Boston

        A few of the more popular SUV models that cost more to insure than the 20 cheapest SUVs above include the Subaru Outback costing an average of $1,566 per year ($131 per month), the Subaru Forester at $1,480 ($123 per month), and the Toyota RAV4 at an average of $1,614 ($135 per month).

        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 $1,408 per year, the Ford Maverick at $1,462 per year, and the Ford Ranger at $1,518 per year.

        Rounding out the top 10 are pickups like the GMC Canyon, Ford F150, Honda Ridgeline, and Hyundai Santa Cruz, with average rates of $1,678 per year or less.

        Car insurance rates in this segment can cost as low as $117 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 $1,408 per year ($117 per month) and ending with the GMC Sierra 3500 at $2,010 per year ($168 per month).

        Cheapest Pickups to Insure in Boston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,408$117
        Ford MaverickMidsize$1,462$122
        Ford RangerMidsize$1,518$127
        Toyota TacomaMidsize$1,586$132
        Nissan FrontierMidsize$1,628$136
        Hyundai Santa CruzMidsize$1,642$137
        GMC CanyonMidsize$1,644$137
        Ford F150Full-size$1,650$138
        Honda RidgelineMidsize$1,664$139
        Jeep GladiatorMidsize$1,678$140
        GMC SierraFull-size$1,740$145
        Nissan TitanFull-size$1,802$150
        Chevrolet SilveradoFull-size$1,838$153
        Toyota TundraFull-size$1,838$153
        Ford F350 Super DutyHeavy Duty$1,856$155
        Chevrolet Silverado HD 3500Heavy Duty$1,870$156
        Nissan Titan XDHeavy Duty$1,918$160
        Ram TruckFull-size$1,952$163
        GMC Sierra 2500 HDHeavy Duty$1,992$166
        GMC Sierra 3500Heavy Duty$2,010$168

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
          Cheapest Pickups to Insure in Boston

          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 ILX at $1,574 per year, Mercedes-Benz A220 at $1,680 per year, BMW 330i at $1,804 per year, and Acura TLX at $1,814 per year.

          Some other luxury cars that have affordable insurance rates include the Lexus RC 300, BMW 230i, Alfa Romeo Giulia, and BMW 228i, with average rates of $1,896 per year or less.

          In the lower half of the top 20 luxury cars to insure, cars like the Genesis G70, Mercedes-Benz AMG CLA35, Cadillac CT4, Cadillac CT5, and Mercedes-Benz AMG CLA45 average between $1,896 and $1,984 per year for auto insurance.

          Full-coverage auto insurance for this segment in Boston starts at around $131 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 Mercedes-Benz A220 at $1,680 per year. For midsize 2022 models, the Acura ILX is cheapest to insure at $1,574 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $2,004 per year.

          The table below ranks the cars with the most affordable auto insurance rates in Boston, starting with the Acura ILX at $131 per month and ending with the Audi S3 at $165 per month.

          Cheapest Luxury Cars to Insure in Boston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,574$131
          Mercedes-Benz A220Compact$1,680$140
          BMW 330iCompact$1,804$150
          Acura TLXCompact$1,814$151
          Volvo S60Compact$1,834$153
          BMW 330eCompact$1,840$153
          BMW 228iCompact$1,852$154
          BMW 230iCompact$1,864$155
          Lexus RC 300Midsize$1,892$158
          Alfa Romeo GiuliaCompact$1,896$158
          Cadillac CT4Compact$1,898$158
          Lexus RC 350Compact$1,900$158
          Genesis G70Compact$1,928$161
          Mercedes-Benz AMG CLA35Midsize$1,940$162
          BMW i4Midsize$1,950$163
          Cadillac CT5Midsize$1,954$163
          Audi A3Midsize$1,974$165
          Audi A4Compact$1,978$165
          Audi S3Compact$1,984$165
          Mercedes-Benz AMG CLA45Midsize$1,984$165

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
            Cheapest Luxury Cars to Insure in Boston

            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 $1,462 per year, the Cadillac XT4 at $1,500 per year, and the Volvo XC40 at $1,642 per year.

            Other luxury SUVs that have good average insurance rates include the Lexus UX 200, Lexus NX 350h, Lexus NX 350, and Lexus UX 250h, with an average cost of $1,746 per year or less.

            On a monthly basis, car insurance on this segment in Boston for the average driver can cost as low as $122 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 $1,462 per year, or $122 per month. For midsize luxury SUV models, the Cadillac XT5 is cheapest to insure at $1,680 per year, or $140 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,850 per year, or $154 per month.

            The table below ranks the SUVs with the most affordable average insurance rates in Boston, starting with the Acura RDX at $1,462 per year ($122 per month) and ending with the Lincoln Corsair at $1,810 per year ($151 per month).

            Cheapest Luxury SUVs to Insure in Boston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,462$122
            Cadillac XT4Compact$1,500$125
            Volvo XC40Compact$1,642$137
            Cadillac XT5Midsize$1,680$140
            Lexus NX 250Compact$1,698$142
            BMW X1Compact$1,702$142
            Lexus NX 350hCompact$1,712$143
            Lexus UX 250hCompact$1,712$143
            Lexus NX 350Compact$1,740$145
            Lexus UX 200Compact$1,746$146
            Jaguar E-PaceMidsize$1,750$146
            Lexus RX 350Midsize$1,758$147
            Acura MDXMidsize$1,766$147
            Lincoln NautilusMidsize$1,786$149
            Lexus NX 450hCompact$1,790$149
            Mercedes-Benz GLB 250Compact$1,796$150
            Lexus RX 450hMidsize$1,804$150
            Infiniti QX50Midsize$1,808$151
            Land Rover EvoqueCompact$1,808$151
            Lincoln CorsairCompact$1,810$151

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
              Cheapest Luxury SUVs to Insure in Boston

              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 Toyota GR86, Mazda MX-5 Miata, BMW Z4, Subaru WRX, and Ford Mustang. Auto insurance quotes for these vehicles average $1,990 or less per year, or around $166 per month.

              Not the cheapest sports cars to insure, but still affordable, are cars like the Toyota GR Supra, BMW M3, Audi TT, and Subaru BRZ, with average annual insurance rates of $2,212 per year or less.

              In the lower half of the top 20 sports cars to insure, cars like the Porsche Taycan, BMW M4, Jaguar F-Type, Dodge Challenger, Porsche 718, and Lexus RC F average between $2,212 and $2,816 per year to insure.

              Full-coverage auto insurance for this segment in Boston starts at an average of $123 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 $1,478 per year and ending with the Lexus LC 500 at $2,816 per year.

              Cheapest Sports Cars to Insure in Boston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,478$123
              Ford MustangSports Car$1,804$150
              BMW Z4Sports Car$1,840$153
              Subaru WRXSports Car$1,942$162
              Toyota GR86Sports Car$1,990$166
              Toyota GR SupraSports Car$2,036$170
              Audi TTSports Car$2,080$173
              Subaru BRZSports Car$2,144$179
              Chevrolet CorvetteSports Car$2,152$179
              BMW M3Sports Car$2,212$184
              Porsche 718Sports Car$2,310$193
              Chevrolet CamaroSports Car$2,368$197
              Lexus RC FSports Car$2,424$202
              Dodge ChallengerSports Car$2,432$203
              Mercedes-Benz AMG GT53Sports Car$2,468$206
              Jaguar F-TypeSports Car$2,582$215
              Porsche TaycanSports Car$2,650$221
              Porsche 911Sports Car$2,718$227
              BMW M4Sports Car$2,720$227
              Lexus LC 500Sports Car$2,816$235

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Boston, MA.Data last updated on June 24, 2022
                Cheapest Sports Cars to Insure in Boston

                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 $1,650 per year, ranging from $1,426 per year on the F150 XL Regular Cab 4WD trim (MSRP of $32,790) up to $1,880 per year on the F150 Limited SuperCrew trim level (MSRP of $73,105).

                When Boston insurance rates on a Ford F150 are compared to the overall national average cost on the same model, rates are $154 to $202 less 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 $119 to $157 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Boston includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
                Ford F150 Insurance Cost in Boston
                Ford F150 Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,734$311
                Safe Driver Age 20$3,274$273
                At-fault Accidents Age 40$2,330$194
                Low Deductibles Age 40$2,132$178
                Safe Driver Age 30$1,736$145
                Safe Driver Age 40$1,650$138
                Safe Driver Age 50$1,504$125
                Safe Driver Age 60$1,474$123
                High Deductibles Age 40$1,404$117
                Discount Rate Age 40$1,372$114

                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 $1,680 per year, with a range of $1,600 per year on the Corolla L trim level up to $1,762 per year on the Corolla XSE Apex Edition model.

                As a cost per month, full-coverage insurance on a Toyota Corolla for a good driver can cost from $133 to $147 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Boston includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
                Toyota Corolla Insurance Cost in Boston
                Toyota Corolla Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,760$313
                Safe Driver Age 20$3,298$275
                At-fault Accidents Age 40$2,380$198
                Low Deductibles Age 40$2,084$174
                Safe Driver Age 30$1,744$145
                Safe Driver Age 40$1,680$140
                Safe Driver Age 50$1,530$128
                Safe Driver Age 60$1,498$125
                High Deductibles Age 40$1,466$122
                Discount Rate Age 40$1,394$116

                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 $26,050 to $37,230, average Boston car insurance quotes for a Nissan Rogue cost from $1,538 per year for the Rogue S 2WD model up to $1,802 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 $166 to $194 less 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 $128 to $150 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 $1,390 to $3,796 per year, which is a cost difference of $2,406 caused by changing the rated driver.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Boston includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
                Nissan Rogue Insurance Cost in Boston
                Nissan Rogue Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,796$316
                Safe Driver Age 20$3,324$277
                At-fault Accidents Age 40$2,364$197
                Low Deductibles Age 40$2,158$180
                Safe Driver Age 30$1,758$147
                Safe Driver Age 40$1,672$139
                Safe Driver Age 50$1,524$127
                Safe Driver Age 60$1,496$125
                High Deductibles Age 40$1,422$119
                Discount Rate Age 40$1,390$116

                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 2022 Kia Sorento model to insure in Boston is the LX model, costing an average of $1,492 per year, or about $124 per month. This trim level has a MSRP of $29,590.

                The most expensive 2022 Kia Sorento trim to insure in Boston is the SX Prestige Plug-in Hybrid, costing an average of $1,808 per year, or about $151 per month. The retail price for this trim is $48,090, 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 $124 to $151 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 $1,346 to $3,674 per year, which is a cost difference of $2,328.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Boston includes all Zip Codes and vehicle trim levels.Data last updated on June 24, 2022
                Kia Sorento Insurance Cost in Boston
                Kia Sorento Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,674$306
                Safe Driver Age 20$3,218$268
                At-fault Accidents Age 40$2,278$190
                Low Deductibles Age 40$2,118$177
                Safe Driver Age 30$1,710$143
                Safe Driver Age 40$1,618$135
                Safe Driver Age 50$1,474$123
                Safe Driver Age 60$1,450$121
                High Deductibles Age 40$1,362$114
                Discount Rate Age 40$1,346$112

                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 $2,384 per year for a 20-year-old driver and as much as $700 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 $268 per year when compared to a rating of 670-739. Conversely, a below average credit score could cost around $310 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.