why you can trust the marketwatch guides team the marketwatch guides team is committed to providing reliable information to help you make the best decision possible about insuring your vehicle because consumers rely on us to provide objective and accurate information we created a comprehensive rating system to formulate our rankings of the best car insurance companies we collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors after 800 hours of research the end result was an overall rating for each provider with the insurers that scored the most points topping the list learn more about our methodology how much is car insurance in boston mass our data shows that minimumcoverage insurance in boston costs 76 per month or 914 per year on average this is about 47 more than the national average of 52 per month or 625 per year similarly fullcoverage insurance costs 271 per month or 3248 per year on average which is about 62 more expensive than the national average of 167 per month or 2008 per year for full coverage plymouth rock offers the cheapest liability insurance with average rates of 41 per month or 492 per year geico is the secondcheapest option in boston with average rates of 52 per month or 622 per year liability coverage is the minimum coverage required by the state of massachusetts according to law all drivers must either meet or exceed the following stateminimum massachusetts car insurance requirements in massachusetts auto insurers aren’t allowed to consider a driver’s age gender or credit score when setting their rates however your driving history can still affect how much you pay for car insurance this section will look at the average auto insurance expenses for different driving profiles in boston mass while car insurance providers can’t use age to set rates teen drivers still pay more for insurance because of their lack of experience behind the wheel our data shows 16yearolds pay about 250 per month or 2997 per year for car insurance in boston the cost of car insurance gradually reduces as drivers get older rates tend to be cheapest for drivers in their 30s and 40s but auto insurance tends to rise again when drivers hit their 60s below you can take a closer look at the average minimumcoverage car insurance prices in boston for various age groups if you’ve gotten any speeding tickets or any dui convictions in the last few years you’ll likely find higher auto coverage costs you’ll also end up paying more for car insurance if you’ve caused any recent car accidents on average speeding can increase your rates by 48 an atfault accident by 99 and a dui by 122 different companies have different average price increases after accidents or traffic violations however if you don’t have the cleanest driving record plymouth rock is worth checking out as it has the most affordable rates for this type of driving profile the table below shows average rates by company for drivers who have either a speeding ticket accident or dui on their record if you’ve caused an accident while driving it may cause your insurance rates to increase more than if you were caught speeding plymouth rock and geico are the cheapest options here with average rates of about 64 per month and 77 per month respectively you can see some auto insurance companies charge significantly more for this amount for coverage after an accident driving under the influence is a significant traffic violation that can skyrocket your car insurance rates by several hundreds of dollars each year especially if you’re in boston plymouth rock is very cheap compared to other companies with average rates of 67 per month or 798 per year for drivers with a dui hanover geico and progressive are also good options with rates under 96 per month on average auto insurance rates in boston are higher than the national average by 46 respectively however there are still affordable options available from providers such as plymouth rock with minimum coverage costs around 41 monthly plymouth rock also offers the cheapest fullcoverage rates in boston at 130 per month compare free quotes to find the company that meets your massachusetts auto insurance needs at the best rate you can compare insurance products and get auto insurance quotes online or from insurance agents