For a 40-year-old driver with a clean record, car insurance in Boston, MA, averages about $252 a month ($3,027 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 38% above the Massachusetts average of $182 a month. Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Boston table, at about $183 a month. These figures cover the 24 ZIP codes in our data that the City of Boston’s ZIP code map places in the city: the eight with a Boston mailing address and 16 the Postal Service files under neighborhood names such as Dorchester, Roxbury and Jamaica Plain.
We leave out two ZIP codes the city’s map shares with its neighbors: 02151, which the Postal Service files under Revere, and 02467, filed under Chestnut Hill, which also covers parts of Brookline and Newton. Our figures don’t include five small downtown ZIP codes on the map (02108, 02109, 02110, 02199 and 02203) or 02163, Harvard Business School’s ZIP code in Allston. Our statewide table lists the eight central ZIP codes as one Boston row, at $208 a month, and each neighborhood with its own mailing name separately; this guide combines all 24.
Boston’s ZIP codes vary more than those of any other Massachusetts city with a guide: full coverage runs from about $204 a month in West Roxbury to $343 in Roxbury for the same driver and car. Among the insurers we price, Plymouth Rock has the lowest price in 12 of the 24 ZIP codes and GEICO in 11, including all eight central ones; in Brighton the two are effectively tied.
Cost data comes from the auto rates insurers file with state regulators, priced across all 24 Boston ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 2, 2026.
Full coverage in Boston averages $3,027 a year, or about $252 a month, for our benchmark driver. Liability-only coverage at 20/40/5 limits averages $1,088 a year ($91 a month), and 50/100/50 liability with comprehensive and collision averages $2,968 ($247 a month).
For cheap car insurance in Boston, compare both the insurer and the neighborhood: across the 24 ZIP codes, Plymouth Rock has the lowest average among insurers open to all drivers, about $183 a month, but GEICO is lower in the eight central ZIP codes, at about $153 a month compared with Plymouth Rock’s $171.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Boston table. USAA*, which sells only to military families, is priced from published rate studies at about $168 a month, below Plymouth Rock; we don’t rank it. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average among the insurers we price, at about $69 a month, with GEICO close behind at $74.
Full-coverage averages by insurer in Boston
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Plymouth Rock | $827 | $69 | $2,190 | $183 |
| GEICO | $893 | $74 | $2,505 | $209 |
| Progressive | $1,301 | $108 | $2,621 | $218 |
| Safety Insurance | $1,153 | $96 | $3,736 | $311 |
| Arbella | $1,267 | $106 | $4,084 | $340 |
| USAA (military families)* | $868 | $72 | $2,013 | $168 |
| Norfolk & Dedham* | $1,372 | $114 | $3,293 | $274 |
| Amica* | $1,314 | $110 | $3,441 | $287 |
| Travelers* | $1,791 | $149 | $3,914 | $326 |
| Allstate* | $1,781 | $148 | $4,288 | $357 |
| Boston average | $1,088 | $91 | $3,027 | $252 |
This table uses Boston ZIP codes only. See how we calculated these rates.
Across the 24 Boston ZIP codes we price, full coverage for our driver ranges from about $204 a month in 02132 to $343 in 02119, a gap of $1,669 a year. 02132 is West Roxbury and 02119 Roxbury. The eight central ZIP codes with a Boston mailing address average about $208 a month each, and Dorchester’s three ZIP codes run from $316 to $335.
Lowest-priced Boston ZIP codes
Highest-priced Boston ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Boston’s average.
| ZIP Code: | Liability Only 20/40/5 (Yearly): | Liability Only 20/40/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 02111 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02113 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02114 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02115 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02116 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02118 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02119 (Roxbury) | $1,466 | $122 | $4,114 | $343 | +36% |
| 02120 (Roxbury Crossing) | $1,384 | $115 | $3,889 | $324 | +29% |
| 02121 (Dorchester) | $1,426 | $119 | $4,014 | $335 | +33% |
| 02122 (Dorchester) | $1,381 | $115 | $3,793 | $316 | +25% |
| 02124 (Dorchester Center) | $1,339 | $112 | $3,668 | $306 | +21% |
| 02125 (Dorchester) | $1,381 | $115 | $3,793 | $316 | +25% |
| 02126 (Mattapan) | $1,339 | $112 | $3,668 | $306 | +21% |
| 02127 (South Boston) | $963 | $80 | $2,705 | $225 | -11% |
| 02128 (East Boston) | $1,066 | $89 | $3,095 | $258 | +2% |
| 02129 (Charlestown) | $1,084 | $90 | $3,186 | $266 | +6% |
| 02130 (Jamaica Plain) | $1,042 | $87 | $2,828 | $236 | -6% |
| 02131 (Roslindale) | $1,083 | $90 | $2,997 | $250 | -1% |
| 02132 (West Roxbury) | $945 | $79 | $2,445 | $204 | -19% |
| 02134 (Allston) | $974 | $81 | $2,592 | $216 | -14% |
| 02135 (Brighton) | $965 | $80 | $2,560 | $213 | -15% |
| 02136 (Hyde Park) | $1,189 | $99 | $3,355 | $280 | +11% |
| 02210 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
| 02215 (Boston) | $887 | $74 | $2,494 | $208 | -17% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds only about $59 a year on average in our Boston data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Progressive charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Slightly, for our benchmark driver. Comparing the same insurers in the same Boston ZIP codes, full coverage averaged $2,996 a year in rates as of Nov. 30, 2025, and $3,027 as of Aug. 31, 2026, a 1.0% increase. Plymouth Rock raised its average 2.8% and Safety Insurance 2.6%, while Arbella’s, GEICO’s and Progressive’s averages were unchanged. Liability-only coverage at 20/40/5 limits rose 1.0%, led by Plymouth Rock, which raised its liability-only average 7.0%.
Suffolk County, which takes in Boston, Chelsea, Revere and Winthrop, is the most expensive of the 14 Massachusetts counties we price, at about $254 a month for full coverage. Chelsea and Revere average about $283 each and Winthrop $250.
Inside the city, Roxbury ($343), Roxbury Crossing ($324), Dorchester ($316 to $335), Mattapan ($306) and Dorchester Center ($306) cost the most in our data, while West Roxbury ($204), the central ZIP codes ($208), Brighton ($213) and Allston ($216) cost the least. Jamaica Plain averages $236, South Boston $225 and Charlestown $266.
More Massachusetts cities and towns are in the Massachusetts rates by city table, and you can compare states on our car insurance rates by state page.
Cambridge, about three miles west, averages $183 a month, and Somerville, about three miles northwest, $202. Quincy, about eight miles south, averages $207, and Newton, about eight miles west, $181. Chelsea, about three miles northeast, averages $283.
Drivers in Boston follow Massachusetts’ rules. Every policy issued or renewed since July 1, 2025, must include at least:
Our guide to Massachusetts auto insurance requirements covers the no-fault rules and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Massachusetts law and the Massachusetts Division of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Boston averages about $252 a month ($3,027 a year) and liability-only coverage at 20/40/5 limits about $91 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 38% above the Massachusetts average of $182 a month.
Plymouth Rock has the lowest full-coverage average among insurers open to all drivers in our Boston table, at about $183 a month, followed by GEICO at $209. USAA*, which sells only to military families, is priced from published rate studies at about $168 a month, below Plymouth Rock; we don’t rank it. For liability-only coverage at 20/40/5 limits, Plymouth Rock has the lowest average, at about $69 a month. The published 2026 statewide Massachusetts rate studies we reviewed split between GEICO and Plymouth Rock for the cheapest full coverage, apart from USAA: four of the eight put GEICO first, two put Plymouth Rock first, one has them tied and one ranks State Farm first. Rates vary by driver, so compare quotes for your own car and ZIP code.
Our statewide table lists places by mailing address, so its Boston row covers only the eight central ZIP codes that use a Boston address, at about $208 a month for full coverage. This guide covers all 24 Boston ZIP codes in our data, including the 16 that the Postal Service files under neighborhood names such as Dorchester and Roxbury, and they average about $252.
In our data, 02132 (West Roxbury) has the lowest full-coverage average in Boston, at about $204 a month, and 02119 (Roxbury) has the highest, at about $343. The ZIP code table on this page lists all 24 with the neighborhood for each.
In our Boston data, full coverage (100/300/100 with $500 deductibles) averages about $252 a month and liability-only coverage at 20/40/5 limits about $91, a difference of about $161 a month ($1,939 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Slightly, for our benchmark driver. Comparing the same insurers and ZIP codes, Boston full coverage rose 1.0% between November 2025 and August 2026, from about $2,996 to $3,027 a year. Plymouth Rock raised its average 2.8% and Safety Insurance 2.6%. Liability-only coverage at 20/40/5 limits rose 1.0%.
