Average cost of car insurance in Boston Drivers in Boston pay the same amount, on average, per year as the average driver in Massachusetts, and 21.9% less than the national average. If you don't drive your car much, consider switching to a usage-based model for your car insurance. Insurance companies cannot use age and gender as factors in Massachusetts car insurance rates. Boston's population is more than five times larger than that of Lowell, so drivers in the state capital pay about 24% more for car insurance than Lowell residents.
This can be good news for drivers with average or low credit, although drivers with excellent credit won't get any benefit from their credit rating on car insurance rates in Massachusetts. For example, drivers who own a Honda Odyssey or a Ford F-150 may pay less for car insurance in Massachusetts than owners of a BMW 330i or a Toyota Prius. The insurance companies with the lowest coverage costs in Massachusetts include Travelers, Amica Mutual and Midvale Home & Auto. Drivers with lower scores are generally more likely to file insurance claims, so insurers may charge them a higher premium as a result.
For drivers with repeat offenses on their record, some auto insurance companies may even deny coverage. The best auto insurance companies in Massachusetts are Geico, Amica and Progressive, according to Bankrate's study of dozens of companies in the state. The following vehicles would fit a variety of lifestyles and budgets, and will serve as a tool to show how much car insurance can vary depending on the make and model of the vehicle. Knowing how your car insurance rates in Massachusetts compare to the average can help you find competitive rates in the State of the Bay.
It can be helpful to determine what's most important to you and then find car insurance companies that fit your needs or wants to guide you on your journey to find the best car insurance. Each make and model of vehicle has its own construction quality and safety features, which each car insurance company will review and evaluate differently. The table below shows an estimate of how much each incident could affect the average cost of car insurance in Massachusetts, but the final premium will vary depending on the frequency and severity of the incidents, as well as each company's underwriting methodology.