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.

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  • Boston car insurance rates cost an average of $1,666 per year, or about $139 per month, for a full coverage policy.
  • Boston car insurance costs an average of $420 per year more than the Massachusetts state average ($1,246) and $160 per year more than the U.S. national average rate ($1,506).
  • Crossover vehicles like the Mazda CX-30, Honda CR-V, and Hyundai Kona have the best chance of getting cheap car insurance in Boston.
  • A few vehicles with segment-leading auto insurance rates include the Acura RDX ($1,428 per year), Chevrolet Blazer ($1,374 per year), Mazda CX-30 ($1,340 per year), and Chevrolet Spark ($1,314 per year).

How much does average car insurance cost in Boston?

Average auto insurance cost in Boston is $1,666 per year, which is around $139 per month. Boston car insurance costs 10.6% more than the national average rate of $1,506.

In the state of Massachusetts, the average cost to insure a vehicle is $1,246 per year, so the average cost in Boston is $420 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, $178 per year more than in Cambridge, and $236 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 December 30, 2021
Average Car Insurance Cost in Boston, MA
Average Car Insurance Cost in Boston, MA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,806$234
$500$3,308$276
$250$3,832$319
30$1,000$1,472$123
$500$1,754$146
$250$2,046$171
40$1,000$1,410$118
$500$1,666$139
$250$1,934$161
50$1,000$1,286$107
$500$1,518$127
$250$1,758$147
60$1,000$1,262$105
$500$1,490$124
$250$1,726$144

Average car insurance rates in the chart above range from $1,262 per year for a high deductible policy for a 60-year-old driver to $3,832 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 $105 to $319.

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 – $5,966 per year or $497 per month
  • 17-year-old rated driver – $5,570 per year or $464 per month
  • 18-year-old rated driver – $5,204 per year or $434 per month
  • 19-year-old rated driver – $4,706 per year or $392 per month
  • 20-year-old rated driver – $3,308 per year or $276 per month
  • 30-year-old rated driver – $1,754 per year or $146 per month
  • 40-year-old rated driver – $1,666 per year or $139 per month
  • 50-year-old rated driver – $1,518 per year or $127 per month
  • 60-year-old rated driver – $1,490 per year or $124 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 $462 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 $1,558 less each year than a 20-year-old driver, $1,760 versus $3,318.
  • Boston car insurance prices are more expensive than the Massachusetts state average – $1,666 (Boston average) compared to $1,246 (Massachusetts average)
  • Boston car insurance costs more than the U.S. average – $1,666 (Boston average) versus $1,506 (U.S. average)
  • Cost per month ranges from $125 to $499 – 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 $4,186 to $5,966 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 Trax, Honda CR-V, and Buick Envision.

Average insurance prices for those vehicles cost $1,368 or less per year, or $114 per month, for full coverage.

Other vehicles that are ranked high in our auto insurance cost comparison are the Chevrolet Trailblazer, Chevrolet Blazer, Nissan Kicks, and Ford Maverick. 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 $1,418 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
1Chevrolet Spark$1,314$110
2Mazda CX-30$1,340$112
3Honda CR-V$1,346$112
4Chevrolet Trax$1,352$113
5Toyota C-HR$1,352$113
6Hyundai Kona$1,354$113
7Buick Envision$1,362$114
8Ford Ecosport$1,366$114
9Kia Soul$1,368$114
10Chevrolet Colorado$1,372$114
11Mazda CX-5$1,372$114
12Nissan Rogue Sport$1,372$114
13Chevrolet Blazer$1,374$115
14Hyundai Venue$1,386$116
15Toyota Corolla$1,390$116
16Buick Encore$1,398$117
17Nissan Kicks$1,398$117
18Chevrolet Trailblazer$1,408$117
19Kia Sportage$1,418$118
20Jeep Compass$1,420$118
21Ford Maverick$1,424$119
22Chevrolet Equinox$1,426$119
23Mitsubishi Eclipse Cross$1,426$119
24Acura RDX$1,428$119
25Toyota Corolla Cross$1,430$119
26Nissan Murano$1,432$119
27Mazda MX-5 Miata$1,444$120
28Hyundai Tucson$1,446$121
29Subaru Impreza$1,446$121
30Kia Rio$1,456$121
31Ford Edge$1,460$122
32Cadillac XT4$1,464$122
33Honda HR-V$1,464$122
34Subaru Ascent$1,464$122
35Subaru Crosstrek$1,464$122
36Ford Ranger$1,466$122
37Nissan Rogue$1,474$123
38Honda Civic$1,476$123
39Ford Escape$1,480$123
40Nissan Sentra$1,484$124

    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 December 30, 2021
    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 December 30, 2021
    Average Boston Car Insurance Rates by Vehicle Segment
    Boston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,518$127
    Midsize Pickup$1,588$132
    Compact Car$1,632$136
    Midsize SUV$1,694$141
    Minivan$1,726$144
    Midsize Car$1,734$145
    Half-ton Pickup$1,810$151
    Compact Luxury SUV$1,874$156
    Compact Luxury Car$1,890$158
    Large SUV$1,910$159
    Large Car$1,926$161
    Heavy Duty Pickup$1,962$164
    Midsize Luxury SUV$2,020$168
    Midsize Luxury Car$2,204$184
    Sports Car$2,350$196
    Large Luxury SUV$2,526$211
    Large Luxury Car$2,712$226

    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 $1,638 per year for a full coverage policy to the BMW M340i costing $2,078 per year. Also, in the midsize truck segment, the average insurance cost ranges from the Chevrolet Colorado at $1,372 per year up to the Rivian R1T at $2,048 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 Chevrolet Spark at $1,314 per year, Toyota Corolla at $1,390 per year, Subaru Impreza at $1,446 per year, and Kia Rio at $1,456 per year.

    Additional models that have cheaper rates include the Nissan Sentra, Mazda 3, Mazda 6, and Chevrolet Malibu, with an average cost of $1,566 per year or less.

    Full-coverage car insurance for this segment in Boston for the average driver starts at around $110 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 Chevrolet Spark at $110 per month and ending with the Subaru Legacy at $141 per month.

    Cheapest Cars to Insure in Boston
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,314$110
    Toyota CorollaCompact$1,390$116
    Subaru ImprezaCompact$1,446$121
    Kia RioCompact$1,456$121
    Honda CivicCompact$1,476$123
    Nissan SentraCompact$1,484$124
    Mazda 3Compact$1,506$126
    Mazda 6Midsize$1,534$128
    Kia ForteCompact$1,562$130
    Chevrolet MalibuMidsize$1,566$131
    Hyundai AccentCompact$1,566$131
    Honda InsightMidsize$1,568$131
    Toyota PriusCompact$1,570$131
    Volkswagen GolfCompact$1,602$134
    Volkswagen JettaCompact$1,620$135
    Honda AccordMidsize$1,652$138
    Kia K5Midsize$1,660$138
    Nissan VersaCompact$1,674$140
    Volkswagen PassatMidsize$1,680$140
    Subaru LegacyMidsize$1,690$141

      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 December 30, 2021
      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 $1,784 per year, the Tesla Model 3 costing $1,828, the Volkswagen GTI at an average of $1,668, and the Volkswagen Jetta costing an average of $1,586.

      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-30, at $1,340 per year. Second place is the Honda CR-V at $1,346 per year, and the third cheapest is the Chevrolet Trax, costing an average of $1,352 per year.

      Other SUVs that rank well in our comparison include the Ford Ecosport, Mazda CX-5, Kia Soul, and Buick Envision, with average cost of $1,372 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 $112 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-30Compact$1,310$109
      Honda CR-VCompact$1,312$109
      Chevrolet TraxCompact$1,324$110
      Hyundai KonaCompact$1,324$110
      Toyota C-HRCompact$1,324$110
      Buick EnvisionCompact$1,328$111
      Ford EcosportCompact$1,336$111
      Mazda CX-5Compact$1,338$112
      Chevrolet BlazerMidsize$1,340$112
      Kia SoulCompact$1,340$112
      Nissan Rogue SportCompact$1,340$112
      Hyundai VenueCompact$1,358$113
      Nissan KicksCompact$1,368$114
      Buick EncoreCompact$1,370$114
      Chevrolet TrailblazerCompact$1,378$115
      Kia SportageCompact$1,384$115
      Mitsubishi Eclipse CrossCompact$1,390$116
      Chevrolet EquinoxCompact$1,392$116
      Jeep CompassCompact$1,392$116
      Toyota Corolla CrossCompact$1,396$116

        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 December 30, 2021
        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 $1,572 per year ($131 per month), the Subaru Forester at $1,470 ($123 per month), and the Toyota RAV4 at an average of $1,608 ($134 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 $1,372 per year, the Ford Maverick at $1,424 per year, and the Ford Ranger at $1,466 per year.

        Rounding out the top 10 are pickups like the GMC Canyon, Ford F150, Honda Ridgeline, and Nissan Frontier, with average rates of $1,642 per year or less.

        Car insurance rates in this segment can cost as low as $114 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 $1,372 per year ($114 per month) and ending with the Ford F250 Super Duty at $1,980 per year ($165 per month).

        Cheapest Pickups to Insure in Boston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,340$112
        Ford MaverickMidsize$1,392$116
        Ford RangerMidsize$1,434$120
        Toyota TacomaMidsize$1,488$124
        Nissan FrontierMidsize$1,548$129
        Chevrolet Silverado HD 3500Heavy Duty$1,550$129
        GMC CanyonMidsize$1,562$130
        Hyundai Santa CruzMidsize$1,564$130
        Ford F150Full-size$1,576$131
        Honda RidgelineMidsize$1,584$132
        Jeep GladiatorMidsize$1,604$134
        GMC SierraFull-size$1,658$138
        Nissan TitanFull-size$1,718$143
        Toyota TundraFull-size$1,730$144
        Chevrolet SilveradoFull-size$1,750$146
        Ford F350 Super DutyHeavy Duty$1,770$148
        Nissan Titan XDHeavy Duty$1,830$153
        Ram TruckFull-size$1,858$155
        GMC Sierra 2500 HDHeavy Duty$1,904$159
        GMC Sierra 3500Heavy Duty$1,916$160

          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 December 30, 2021
          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 $1,544 per year, Mercedes-Benz A220 at $1,638 per year, BMW 330i at $1,762 per year, and Acura TLX at $1,770 per year.

          Some other luxury cars that have affordable insurance rates include the BMW 230i, BMW 228i, Cadillac CT4, and BMW 330e, with average rates of $1,844 per year or less.

          In the lower half of the top 20 luxury cars to insure, cars like the Alfa Romeo Giulia, Lexus RC 350, Lexus IS 300, Mercedes-Benz AMG CLA35, and Audi S3 average between $1,844 and $1,930 per year for auto insurance.

          Full-coverage auto insurance for this segment in Boston starts at around $129 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 $1,638 per year. For midsize 2022 models, the Acura ILX is cheapest to insure at $1,544 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $1,980 per year.

          The table below ranks the cars with the most affordable auto insurance rates in Boston, starting with the Acura ILX at $129 per month and ending with the Audi A4 at $161 per month.

          Cheapest Luxury Cars to Insure in Boston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,506$126
          Mercedes-Benz A220Compact$1,598$133
          BMW 330iCompact$1,716$143
          Acura TLXCompact$1,728$144
          Volvo S60Compact$1,742$145
          BMW 330eCompact$1,748$146
          BMW 228iCompact$1,758$147
          BMW 230iCompact$1,770$148
          Lexus RC 300Midsize$1,796$150
          Cadillac CT4Compact$1,798$150
          Lexus IS 300Midsize$1,798$150
          Alfa Romeo GiuliaCompact$1,800$150
          Lexus RC 350Compact$1,804$150
          Genesis G70Compact$1,836$153
          Mercedes-Benz AMG CLA35Midsize$1,842$154
          BMW i4Midsize$1,852$154
          Cadillac CT5Midsize$1,852$154
          Audi S3Compact$1,870$156
          Audi A4Compact$1,882$157
          Mercedes-Benz AMG CLA45Midsize$1,884$157

            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 December 30, 2021
            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 $1,428 per year, the Cadillac XT4 at $1,464 per year, and the Volvo XC40 at $1,604 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 $1,702 per year or less.

            On a monthly basis, car insurance on this segment in Boston for the average driver can cost as low as $119 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 $1,428 per year, or $119 per month. For midsize luxury SUV models, the Cadillac XT5 is cheapest to insure at $1,624 per year, or $135 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,884 per year, or $157 per month.

            The table below ranks the SUVs with the most affordable average insurance rates in Boston, starting with the Acura RDX at $1,428 per year ($119 per month) and ending with the Mercedes-Benz GLC300 at $1,766 per year ($147 per month).

            Cheapest Luxury SUVs to Insure in Boston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,392$116
            Cadillac XT4Compact$1,426$119
            Volvo XC40Compact$1,562$130
            Cadillac XT5Midsize$1,584$132
            Lexus NX 250Compact$1,616$135
            BMW X1Compact$1,620$135
            Lexus NX 350hCompact$1,628$136
            Lexus UX 250hCompact$1,628$136
            Lexus NX 350Compact$1,656$138
            Lexus UX 200Compact$1,662$139
            Jaguar E-PaceMidsize$1,664$139
            Lexus RX 350Midsize$1,670$139
            Lincoln NautilusMidsize$1,698$142
            Lexus NX 450hCompact$1,702$142
            Lexus RX 450hMidsize$1,710$143
            Mercedes-Benz GLB 250Compact$1,710$143
            Land Rover EvoqueCompact$1,716$143
            Infiniti QX50Midsize$1,718$143
            Lincoln CorsairCompact$1,720$143
            Mercedes-Benz GLC300Compact$1,722$144

              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 December 30, 2021
              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 $1,942 or less per year, or around $162 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 $2,156 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 $2,156 and $2,746 per year to insure.

              Full-coverage auto insurance for this segment in Boston starts at an average of $120 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 $1,444 per year and ending with the Lexus LC 500 at $2,746 per year.

              Cheapest Sports Cars to Insure in Boston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,406$117
              Ford MustangSports Car$1,712$143
              BMW Z4Sports Car$1,746$146
              Subaru WRXSports Car$1,852$154
              Toyota GR86Sports Car$1,898$158
              Toyota GR SupraSports Car$1,936$161
              Audi TTSports Car$1,976$165
              Chevrolet CorvetteSports Car$2,030$169
              Subaru BRZSports Car$2,044$170
              BMW M3Sports Car$2,100$175
              Porsche 718Sports Car$2,190$183
              Chevrolet CamaroSports Car$2,258$188
              Lexus RC FSports Car$2,288$191
              Dodge ChallengerSports Car$2,318$193
              Mercedes-Benz AMG GT53Sports Car$2,338$195
              Jaguar F-TypeSports Car$2,448$204
              Porsche TaycanSports Car$2,512$209
              Porsche 911Sports Car$2,568$214
              BMW M4Sports Car$2,582$215
              Lexus LC 500Sports Car$2,674$223

                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 December 30, 2021
                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

                Insurance for a Ford F150 in Boston averages $1,576 per year ($131 per month) and ranges from $1,338 to $3,640 annually.

                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 December 30, 2021
                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$3,564$297
                Safe Driver Age 20$3,122$260
                At-fault Accidents Age 40$2,224$185
                Low Deductibles Age 40$2,026$169
                Safe Driver Age 30$1,654$138
                Safe Driver Age 40$1,576$131
                Safe Driver Age 50$1,434$120
                Safe Driver Age 60$1,408$117
                High Deductibles Age 40$1,342$112
                Discount Rate Age 40$1,308$109

                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

                Insurance for a Toyota Corolla in Boston costs an average of $1,356 per year, or about $113 per month, and ranges from $1,158 to $3,106.

                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 December 30, 2021
                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$3,038$253
                Safe Driver Age 20$2,664$222
                At-fault Accidents Age 40$1,904$159
                Low Deductibles Age 40$1,740$145
                Safe Driver Age 30$1,424$119
                Safe Driver Age 40$1,356$113
                Safe Driver Age 50$1,236$103
                Safe Driver Age 60$1,212$101
                High Deductibles Age 40$1,158$97
                Discount Rate Age 40$1,128$94

                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

                Nissan Rogue insurance in Boston averages $1,438 per year (about $120 per month) and varies from $1,226 to $3,324 per year for the sample risk profiles in the rate chart shown below.

                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 December 30, 2021
                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$3,250$271
                Safe Driver Age 20$2,846$237
                At-fault Accidents Age 40$2,024$169
                Low Deductibles Age 40$1,860$155
                Safe Driver Age 30$1,512$126
                Safe Driver Age 40$1,438$120
                Safe Driver Age 50$1,312$109
                Safe Driver Age 60$1,288$107
                High Deductibles Age 40$1,222$102
                Discount Rate Age 40$1,194$100

                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

                Insurance for a Kia Sorento in Boston costs an average of $1,688 per year ($141 per month) and has a range of $1,436 to $3,940.

                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 December 30, 2021
                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$3,854$321
                Safe Driver Age 20$3,374$281
                At-fault Accidents Age 40$2,394$200
                Low Deductibles Age 40$2,188$182
                Safe Driver Age 30$1,776$148
                Safe Driver Age 40$1,688$141
                Safe Driver Age 50$1,542$129
                Safe Driver Age 60$1,512$126
                High Deductibles Age 40$1,432$119
                Discount Rate Age 40$1,402$117

                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 $2,322 per year for a 20-year-old driver and as much as $684 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 $262 per year when compared to a rating of 670-739. Conversely, a below average credit score could cost around $303 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.