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Cheapest Auto Insurance in Boston, MA

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CityInsurance Rate

Car Insurance Rates by Segment

SegmentInsurance Rate
All Teens$3375
Female Teens$3157
Male Teen$3633
All Women$1292
Married Women$1238
All Men$1864
Married Men$1714

SR-22 Car Insurance Rates after DUI

CityInsurance Rate
Winthrop Town$2827

Boston is one of America’s most famous and historic cities – it played a vital role in America’s independence movement. While it is not nearly as large as nearby New York, it still attracts plenty of tourists each year. World famous Harvard University sits just outside of the city. If you’re one of the many residents of this beautiful city, you probably understand how important your car is. While the city has plenty of public transport, car ownership is still quite prevalent.

In this article, we’re going to take a look at the information you need to stay safe on roads in Boston. Our company is a top resource for people looking for new insurance policies. We match readers with some of the best insurance companies in the industry – if you’re looking for a new policy, you’ve come to the right place. Check out our auto insurance calculator and all our Boston related auto insurance content below!

Boston: Driving Conditions in the City

Boston is quite a congested city – the living situation is quite dense, as is common in many Northeastern towns. If you’re someone who live in Boston, it’s best to check the local traffic reports during peak hours if you plan on traveling through the city. While traffic isn’t as bad as some other major American cities, it still causes problems for many drivers.

The main problem in Boston is the harsh winters. If you drive in Boston during the winter months, conditions can be extremely brutal. Snow storms and icy roads can create a barrage of problems for people driving on Boston roads. If you’re not used to these conditions, you’re most likely not equipped to handle the roads. Make sure to understand your limitations – keep your eyes on weather reports and warnings during the winter months.

Driving Safely in Boston, Massachusetts

While it’s easy to keep an eye on the weather, it can be hard to navigate the many different road laws present in Boston. As you’re well aware, each state in the United States has different laws and regulations. If you’re someone who is trying to keep a clean driving record, it’s important to understand the local laws. This can help you decrease your monthly premiums – insurance companies love drivers with good driving records.

Below we will explore the different road laws that pertain to Boston – check it out!

Phone/Handheld Laws in Boston

You are not allowed to text and drive anywhere in the state of Massachusetts. A first-time offender can expect to receive a fine of up to $100, while if you are a repeat offender you can expect to receive up to a $500 fine if you continue to text and drive. You can legally speak on the phone and drive, but we don’t suggest this – even talking and driving can prove to be a dangerous distraction.

Seatbelt and Car Seat Laws in Boston

Boston drivers have to pay attention to Massachusetts seat belt laws. The state has strict guidelines when it comes to seat belts. You are required to a wear a seat belt regardless of where you are sitting and how old you are. While many states don’t have regulations on seat belts, breaking the seat belt law in Massachusetts will result in a fine. In addition, you are responsible for passengers in your vehicle that are under the age of 16 – you will be fined if minors traveling in your vehicle are not wearing seat belts.

If you have children in your vehicle, you will have to follow the child safety laws. In Massachusetts, you are required to have all children under the age of five in a child safety seat or booster seat – depending on their weight and size. If they are under eight, they should also be in a booster seat if they are under 57” tall.

Helmet Laws in Boston

Massachusetts is one of the many states that has decided to crack down on helmets. If you’re operating a motorcycle, you are required to wear a state-approved helmet at all times. This is also the regulation for any passengers on your motorcycle. Not wearing a helmet can result in a $35 for your first offense – this fine will increase drastically if you continue to break the law.

Alcohol and Drug Laws (Driving)

While most states prosecute individuals for DUIs if they are intoxicated while driving, the same offense is called a OUI in the state of Massachusetts. If you’re over the age of 21, you will be prosecuted for a OUI if your BAC is over the limit of .08. If you’re under the age of 21, your BAC limit is .02 – it’s safer not to consume any amount of alcohol if you’re underage and plan on driving.

If you are caught for a first time, you can lose your driver’s license up to a year and receive a substantial fine in certain instances. If you’re a repeat offender, you may end up with a jail sentence or an interlock device on your vehicle – in some instances first time offenders may also receive an interlock device. You'll also have a challenge finding the cheapest DUI insurance but it is possible.

Cheapest Auto Insurance in Boston, Massachusetts

Boston Statistics

While Boston has a reputation for being less busy and hectic than other USA cities, it actually has some of the most dangerous roads. Evidence from some insurance companies suggests that Boston roads are amongst the most dangerous in the nation – in 2012, data places them in the top four collision cities in the country. Make sure to stay extra careful on roads in Boston if you want to avoid an accident.


Don’t neglect the importance of your auto insurance policy. There’s a high chance you pay over $1,000 annually to insure your car – even more if you have multiple vehicles. You can save significant money if you’re able to find cheap car insurance in MA. Make sure to check out some of the companies with the best car insurance rates that we recommend to our readers. We also have tons of great articles on a variety of different auto insurance related topics – our site is a top resource for anyone interested in the industry!

Car Insurance Companies in Boston

cheap car insurance near me
Map data © 2021 Google.

State Fund Insurance

100 Summer St #1601, Boston, MA 02110, USA

(617) 956-9999


A-Affordable Insurance Agency, Inc.

55 Union St, Boston, MA 02108, USA

(617) 924-4915


Chan Insurance Agency, Inc.

220 Harrison Ave, Boston, MA 02111, USA

(617) 451-6733


Metro Boston Insurance Agency

78 Bennington St, Boston, MA 02128, USA

(617) 561-3191


Thomas Black Auto Insurance Agency, Inc.

5134, 31 Milk St, Boston, MA 02109, United States

(617) 443-9100


Lighthouse Insurance Agency

470 W Broadway, Boston, MA 02127, USA

(617) 464-3777

Auto Body Shops in Boston

Auto Body Shops in Boston,Massachusetts
Map data © 2021 Google.

Boston Body Works, Inc

839 Albany St, Boston, MA 02119, USA

(617) 442-6600


World Auto Body Inc.

880 Commonwealth Avenue #5, Brookline, MA 02446, USA

(617) 739-5050


South Bay Auto Body

1176 Massachusetts Ave, Boston, MA 02125, USA

(617) 436-5300


Glenville Terrace Auto Body

10 Glenville Terrace, Allston, MA 02134, USA

(617) 783-1515


M & S Auto Body

150 Freeport St, Dorchester, MA 02122, USA

(617) 282-4200

No website found


Danilchuk Auto Body

73 Addison St, Boston, MA 02128, USA

(617) 569-8869

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