Car Insurance Cost in Boston, MA (2023 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 a Free QuoteCompare Boston car insurance quotes and save on your next policy.

  • Boston car insurance rates cost an average of $1,932 per year, or about $161 per month, for a full coverage policy.
  • Boston car insurance costs an average of $28 per year less than the Massachusetts state average ($1,960) and $204 per year more than the U.S. national average rate ($1,728).
  • Crossover vehicles like the Chevrolet Trailblazer, Subaru Crosstrek, and Mazda CX-5 have the best chance of getting cheap car insurance in Boston.
  • A few vehicles with segment-leading auto insurance rates include the Acura RDX ($1,610 per year), Honda Passport ($1,502 per year), Chevrolet Trailblazer ($1,462 per year), and Subaru Impreza ($1,598 per year).

How much does average car insurance cost in Boston?

Average auto insurance cost in Boston is $1,932 per year, which is around $161 per month. Boston car insurance costs 11.1% more than the national average rate of $1,728.

In the state of Massachusetts, the average cost to insure a vehicle is $1,960 per year, so the average cost in Boston is $28 less per year. The average cost to insure a car in Boston compared to other Massachusetts cities is $110 per year more than in Lowell, $184 per year more than in Cambridge, and $250 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 2023 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 August 12, 2023
Average Car Insurance Cost in Boston, MA
Average Car Insurance Cost in Boston, MA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,258$272
$500$3,846$321
$250$4,468$372
30$1,000$1,708$142
$500$2,038$170
$250$2,382$199
40$1,000$1,632$136
$500$1,932$161
$250$2,246$187
50$1,000$1,488$124
$500$1,760$147
$250$2,042$170
60$1,000$1,460$122
$500$1,728$144
$250$2,006$167

Average car insurance rates in the chart above range from $1,460 per year for a high deductible policy for a 60-year-old driver to $4,468 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 $122 to $372.

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 – $6,922 per year or $577 per month
  • 17-year-old rated driver – $6,470 per year or $539 per month
  • 18-year-old rated driver – $6,048 per year or $504 per month
  • 19-year-old rated driver – $5,472 per year or $456 per month
  • 20-year-old rated driver – $3,846 per year or $321 per month
  • 30-year-old rated driver – $2,038 per year or $170 per month
  • 40-year-old rated driver – $1,932 per year or $161 per month
  • 50-year-old rated driver – $1,760 per year or $147 per month
  • 60-year-old rated driver – $1,728 per year or $144 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 $538 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 $1,808 less each year than a 20-year-old driver, $2,038 versus $3,846.
  • Boston car insurance prices are cheaper than the Massachusetts state average – $1,932 (Boston average) compared to $1,960 (Massachusetts average)
  • Boston car insurance costs more than the U.S. average – $1,932 (Boston average) versus $1,728 (U.S. average)
  • Cost per month ranges from $144 to $577 – 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 $4,866 to $6,922 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 Nissan Kicks, Subaru Crosstrek, and Buick Encore.

Average insurance prices for those vehicles cost $1,544 or less per year, or $129 per month, for full coverage.

Other vehicles that are ranked high in our auto insurance cost comparison are the Ford Edge, Subaru Impreza, Subaru Forester, and Honda HR-V. 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 $1,638 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 Trailblazer$1,462$122
2Subaru Crosstrek$1,474$123
3Nissan Kicks$1,480$123
4Honda Passport$1,502$125
5Nissan Rogue Sport$1,508$126
6Mazda CX-5$1,518$127
7Buick Encore$1,540$128
8Buick Envision$1,544$129
9Kia Seltos$1,566$131
10Subaru Ascent$1,572$131
11Hyundai Venue$1,576$131
12Subaru Impreza$1,598$133
13Ford Maverick$1,604$134
14Honda HR-V$1,606$134
15Chevrolet Colorado$1,608$134
16Acura RDX$1,610$134
17Hyundai Kona$1,620$135
18Subaru Forester$1,630$136
19Ford Edge$1,636$136
20Honda CR-V$1,638$137
21Mazda CX-30$1,642$137
22Ford Explorer$1,644$137
23Volkswagen Atlas$1,648$137
24Chevrolet Trax$1,658$138
25Nissan Murano$1,660$138
26Subaru Outback$1,662$139
27Nissan Frontier$1,668$139
28Volkswagen Tiguan$1,678$140
29Ford Bronco Sport$1,682$140
30Fiat 500X$1,714$143
31Ford Ranger$1,714$143
32GMC Terrain$1,718$143
33Kia Soul$1,720$143
34Mitsubishi Eclipse Cross$1,722$144
35Volkswagen Atlas Cross Sport$1,726$144
36Lexus RX 350$1,730$144
37Acura Integra$1,736$145
38Chevrolet Equinox$1,738$145
39Cadillac XT4$1,744$145
40Toyota Corolla Cross$1,744$145

    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 August 12, 2023
    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 2023 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 August 11, 2023
    Average Boston Car Insurance Rates by Vehicle Segment
    Boston Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,758$147
    Midsize Pickup$1,822$152
    Midsize SUV$1,884$157
    Minivan$1,894$158
    Compact Car$1,924$160
    Midsize Car$1,972$164
    Compact Luxury SUV$2,090$174
    Half-ton Pickup$2,098$175
    Large SUV$2,112$176
    Compact Luxury Car$2,126$177
    Heavy Duty Pickup$2,220$185
    Midsize Luxury SUV$2,244$187
    Large Car$2,248$187
    Midsize Luxury Car$2,454$205
    Sports Car$2,642$220
    Large Luxury SUV$2,840$237
    Large Luxury Car$2,984$249

    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 $1,736 per year for a full coverage policy to the BMW M340i costing $2,360 per year. Also, in the midsize truck segment, the average insurance cost ranges from the Ford Maverick at $1,604 per year up to the Rivian R1T at $2,404 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 $1,598 per year, Volkswagen Jetta at $1,766 per year, Subaru Legacy at $1,778 per year, and Nissan Sentra at $1,792 per year.

    Additional models that have cheaper rates include the Volkswagen Golf, Toyota Prius, Toyota Camry, and Kia K5, with an average cost of $1,864 per year or less.

    Full-coverage car insurance for this segment in Boston for the average driver starts at around $133 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 $133 per month and ending with the Volkswagen Arteon at $169 per month.

    Cheapest Cars to Insure in Boston
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,598$133
    Volkswagen JettaCompact$1,766$147
    Subaru LegacyMidsize$1,778$148
    Nissan SentraCompact$1,792$149
    Toyota CorollaCompact$1,812$151
    Volkswagen GolfCompact$1,816$151
    Toyota PriusCompact$1,822$152
    Toyota CamryMidsize$1,836$153
    Mazda 3Compact$1,854$155
    Kia K5Midsize$1,864$155
    Chevrolet MalibuMidsize$1,880$157
    Chrysler 300Full-size$1,884$157
    Honda CivicCompact$1,892$158
    Kia ForteCompact$1,896$158
    Mitsubishi Mirage G4Compact$1,904$159
    Nissan LeafCompact$1,946$162
    Honda AccordMidsize$1,954$163
    Toyota CrownMidsize$1,962$164
    Tesla Model 3Midsize$1,974$165
    Volkswagen ArteonMidsize$2,026$169

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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 August 12, 2023
      Cheapest Cars to Insure in Boston

      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 Chevrolet Trailblazer, at $1,462 per year. Second place is the Subaru Crosstrek at $1,474 per year, and the third cheapest is the Nissan Kicks, costing an average of $1,480 per year.

      Other SUVs that rank well in our comparison include the Buick Encore, Subaru Ascent, Buick Envision, and Mazda CX-5, with average cost of $1,572 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 $122 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
      Chevrolet TrailblazerCompact$1,462$122
      Subaru CrosstrekCompact$1,474$123
      Nissan KicksCompact$1,480$123
      Honda PassportMidsize$1,502$125
      Nissan Rogue SportCompact$1,508$126
      Mazda CX-5Compact$1,518$127
      Buick EncoreCompact$1,540$128
      Buick EnvisionCompact$1,544$129
      Kia SeltosCompact$1,566$131
      Subaru AscentMidsize$1,572$131
      Hyundai VenueCompact$1,576$131
      Honda HR-VCompact$1,606$134
      Hyundai KonaCompact$1,620$135
      Subaru ForesterCompact$1,630$136
      Ford EdgeMidsize$1,636$136
      Honda CR-VCompact$1,638$137
      Mazda CX-30Compact$1,642$137
      Ford ExplorerMidsize$1,644$137
      Volkswagen AtlasMidsize$1,648$137
      Chevrolet TraxCompact$1,658$138

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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 August 11, 2023
        Cheapest SUVs to Insure 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 Ford Maverick at $1,604 per year, the Chevrolet Colorado at $1,608 per year, and the Nissan Frontier at $1,668 per year.

        Rounding out the top 10 are pickups like the Hyundai Santa Cruz, Nissan Titan, Honda Ridgeline, and Toyota Tacoma, with average rates of $1,964 per year or less.

        Car insurance rates in this segment can cost as low as $134 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 Ford Maverick at $1,604 per year ($134 per month) and ending with the Nissan Titan XD at $2,158 per year ($180 per month).

        Cheapest Pickups to Insure in Boston
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Ford MaverickMidsize$1,604$134
        Chevrolet ColoradoMidsize$1,608$134
        Nissan FrontierMidsize$1,668$139
        Ford RangerMidsize$1,714$143
        GMC CanyonMidsize$1,754$146
        Toyota TacomaMidsize$1,764$147
        Hyundai Santa CruzMidsize$1,796$150
        Nissan TitanFull-size$1,912$159
        Honda RidgelineMidsize$1,918$160
        Ford F150Full-size$1,964$164
        GMC Sierra 2500 HDHeavy Duty$1,978$165
        Jeep GladiatorMidsize$2,010$168
        Toyota TundraFull-size$2,032$169
        GMC Sierra 3500Heavy Duty$2,038$170
        GMC SierraFull-size$2,108$176
        Ram TruckFull-size$2,114$176
        Chevrolet SilveradoFull-size$2,116$176
        Chevrolet Silverado HD 2500Heavy Duty$2,122$177
        Chevrolet Silverado HD 3500Heavy Duty$2,124$177
        Nissan Titan XDHeavy Duty$2,158$180

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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 August 11, 2023
          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 Integra at $1,736 per year, BMW 330i at $1,962 per year, Acura TLX at $1,994 per year, and Cadillac CT4 at $2,018 per year.

          Some other luxury cars that have affordable insurance rates include the Lexus ES 250, BMW 330e, BMW 228i, and Lexus ES 350, with average rates of $2,100 per year or less.

          In the lower half of the top 20 luxury cars to insure, cars like the Audi A3, BMW 230i, Lexus RC 300, Audi A4, and Mercedes-Benz AMG CLA45 average between $2,100 and $2,160 per year for auto insurance.

          Full-coverage auto insurance for this segment in Boston starts at around $145 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 $1,736 per year. For midsize 2023 models, the Cadillac CT5 is cheapest to insure at $2,078 per year. And for full-size luxury models, the Audi A5 is the cheapest model to insure at $2,170 per year.

          The table below ranks the cars with the most affordable auto insurance rates in Boston, starting with the Acura Integra at $145 per month and ending with the Volvo S60 at $180 per month.

          Cheapest Luxury Cars to Insure in Boston
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura IntegraCompact$1,736$145
          BMW 330iCompact$1,962$164
          Acura TLXCompact$1,994$166
          Cadillac CT4Compact$2,018$168
          Genesis G70Compact$2,060$172
          Cadillac CT5Midsize$2,078$173
          Lexus ES 350Midsize$2,084$174
          BMW 330eCompact$2,092$174
          Lexus ES 250Midsize$2,096$175
          BMW 228iCompact$2,100$175
          Lexus RC 300Midsize$2,102$175
          Mercedes-Benz AMG CLA35Midsize$2,108$176
          Audi A3Midsize$2,112$176
          BMW 230iCompact$2,116$176
          Mercedes-Benz C300Compact$2,132$178
          Audi A4Compact$2,138$178
          Lexus RC 350Compact$2,144$179
          Mercedes-Benz AMG CLA45Midsize$2,154$180
          Audi S3Compact$2,156$180
          Volvo S60Compact$2,160$180

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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 August 12, 2023
            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 $1,610 per year, the Lexus RX 350 at $1,730 per year, and the Cadillac XT4 at $1,744 per year.

            Other luxury SUVs that have good average insurance rates include the Mercedes-Benz GLB 250, Cadillac XT5, Cadillac XT6, and Mercedes-Benz GLA250, with an average cost of $1,882 per year or less.

            On a monthly basis, car insurance on this segment in Boston for the average driver can cost as low as $134 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 $1,610 per year, or $134 per month. For midsize luxury SUV models, the Lexus RX 350 is cheapest to insure at $1,730 per year, or $144 per month. And for full-size luxury SUV models, the Volvo XC90 is cheapest to insure at $1,994 per year, or $166 per month.

            The table below ranks the SUVs with the most affordable average insurance rates in Boston, starting with the Acura RDX at $1,610 per year ($134 per month) and ending with the Mercedes-Benz GLC300 at $1,968 per year ($164 per month).

            Cheapest Luxury SUVs to Insure in Boston
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,610$134
            Lexus RX 350Midsize$1,730$144
            Cadillac XT4Compact$1,744$145
            Volvo XC40Compact$1,778$148
            Infiniti QX50Midsize$1,788$149
            Lexus UX 250hCompact$1,808$151
            Cadillac XT5Midsize$1,836$153
            Mercedes-Benz GLA250Compact$1,876$156
            Cadillac XT6Midsize$1,880$157
            Mercedes-Benz GLB 250Compact$1,882$157
            Lexus NX 250Compact$1,904$159
            Acura MDXMidsize$1,922$160
            Lexus NX 350hCompact$1,928$161
            Lexus NX 350Compact$1,940$162
            Lincoln CorsairCompact$1,942$162
            Lexus NX 450hCompact$1,950$163
            Lincoln NautilusMidsize$1,958$163
            BMW X1Compact$1,960$163
            Alfa Romeo TonaleCompact$1,964$164
            Mercedes-Benz GLC300Compact$1,968$164

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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 August 11, 2023
              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 Subaru WRX, Mazda MX-5 Miata, Ford Mustang, BMW Z4, and Audi TT. Auto insurance quotes for these vehicles average $2,134 or less per year, or around $178 per month.

              Not the cheapest sports cars to insure, but still affordable, are cars like the Nissan Z, Subaru BRZ, Toyota GR Supra, and Toyota GR86, with average annual insurance rates of $2,330 per year or less.

              In the lower half of the top 20 sports cars to insure, cars like the Jaguar F-Type, BMW M4, Mercedes-Benz AMG GT53, Porsche 718, Chevrolet Corvette, and Lexus RC F average between $2,330 and $2,904 per year to insure.

              Full-coverage auto insurance for this segment in Boston starts at an average of $149 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 $1,786 per year and ending with the Lexus LC 500 at $2,904 per year.

              Cheapest Sports Cars to Insure in Boston
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,786$149
              Audi TTSports Car$2,002$167
              Ford MustangSports Car$2,096$175
              BMW Z4Sports Car$2,110$176
              Subaru WRXSports Car$2,134$178
              Nissan ZSports Car$2,166$181
              Toyota GR SupraSports Car$2,202$184
              Toyota GR86Sports Car$2,230$186
              BMW M2Sports Car$2,242$187
              Subaru BRZSports Car$2,330$194
              Chevrolet CorvetteSports Car$2,382$199
              BMW M3Sports Car$2,436$203
              Lexus RC FSports Car$2,486$207
              Porsche 718Sports Car$2,488$207
              Chevrolet CamaroSports Car$2,528$211
              Mercedes-Benz AMG GT53Sports Car$2,680$223
              Jaguar F-TypeSports Car$2,774$231
              Porsche TaycanSports Car$2,836$236
              BMW M4Sports Car$2,872$239
              Lexus LC 500Sports Car$2,904$242

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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 August 12, 2023
                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 $1,964 per year, ranging from $1,680 per year on the F150 XL Super Cab 4WD trim (MSRP of $42,995) up to $2,170 per year on the F150 Lightning Platinum trim level (MSRP of $96,874).

                When Boston insurance rates on a Ford F150 are compared to the overall national average cost on the same model, rates are $108 to $136 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 $140 to $181 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 2023 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 August 11, 2023
                Ford F150 Insurance Cost in Boston
                2023 Ford F150 Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,428$369
                Safe Driver Age 20$3,882$324
                At-fault Accidents Age 40$2,760$230
                Low Deductibles Age 40$2,558$213
                Safe Driver Age 30$2,068$172
                Safe Driver Age 40$1,964$164
                Safe Driver Age 50$1,784$149
                Safe Driver Age 60$1,752$146
                High Deductibles Age 40$1,658$138
                Discount Rate Age 40$1,632$136

                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 $1,812 per year, with a range of $1,724 per year on the Corolla LE trim level up to $1,876 per year on the Corolla XSE model.

                As a cost per month, full-coverage insurance on a Toyota Corolla for a good driver can cost from $144 to $156 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 2023 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 August 12, 2023
                Toyota Corolla Insurance Cost in Boston
                2023 Toyota Corolla Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,090$341
                Safe Driver Age 20$3,586$299
                At-fault Accidents Age 40$2,556$213
                Low Deductibles Age 40$2,334$195
                Safe Driver Age 30$1,904$159
                Safe Driver Age 40$1,812$151
                Safe Driver Age 50$1,650$138
                Safe Driver Age 60$1,618$135
                High Deductibles Age 40$1,542$129
                Discount Rate Age 40$1,506$126

                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 $27,360 to $37,230, average Boston car insurance quotes for a Nissan Rogue cost from $1,672 per year for the Rogue S 2WD model up to $1,854 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 $104 to $114 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 $139 to $155 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 $1,476 to $4,034 per year, which is a cost difference of $2,558 caused by changing the rated driver.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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 August 12, 2023
                Nissan Rogue Insurance Cost in Boston
                2023 Nissan Rogue Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,034$336
                Safe Driver Age 20$3,534$295
                At-fault Accidents Age 40$2,514$210
                Low Deductibles Age 40$2,286$191
                Safe Driver Age 30$1,864$155
                Safe Driver Age 40$1,776$148
                Safe Driver Age 50$1,620$135
                Safe Driver Age 60$1,588$132
                High Deductibles Age 40$1,514$126
                Discount Rate Age 40$1,476$123

                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 2023 Kia Sorento model to insure in Boston is the LX model, costing an average of $1,620 per year, or about $135 per month. This trim level has a MSRP of $29,990.

                The most expensive 2022 Kia Sorento trim to insure in Boston is the SX Prestige Plug-in Hybrid, costing an average of $1,906 per year, or about $159 per month. The retail price for this trim is $49,890, 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 $135 to $159 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 $1,472 to $4,028 per year, which is a cost difference of $2,556.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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 August 12, 2023
                Kia Sorento Insurance Cost in Boston
                2023 Kia Sorento Insurance Cost in Boston, MA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,028$336
                Safe Driver Age 20$3,528$294
                At-fault Accidents Age 40$2,496$208
                Low Deductibles Age 40$2,322$194
                Safe Driver Age 30$1,872$156
                Safe Driver Age 40$1,774$148
                Safe Driver Age 50$1,616$135
                Safe Driver Age 60$1,588$132
                High Deductibles Age 40$1,490$124
                Discount Rate Age 40$1,472$123

                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 $2,706 per year for a 20-year-old driver and as much as $796 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 $303 per year when compared to a rating of 670-739. Conversely, a below average credit score could cost around $352 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.