If you are looking to get a Boston car insurance policy, read on to learn about the basic steps for acquiring one. You can always start with free instant online quotes or you can find out about insurance agents in your area.
Also, it is a good idea to learn more about rates, driving and other information related to buying a policy for Boston drivers. You can find all of that and more below. If you can’t find what you’re looking for, we also have a comment section at the bottom of this page.
Boston Car Insurance Agents
Being a large city Boston, has many different insurance agents and agencies to choose from. You have agents from the big companies down to more local and regional players. Here are just a few to get you started.
Allstate only has 4 agents in Boston itself. However, if there isn’t one located close to you, you can always buy online from their website.
Boston Farmers Insurance Agents
At the current time Farmers does not have any agents in Boston or the state of Massachusetts.
Boston Geico Insurance Agents
Geico also does not have any insurance agents in the state of Massachusetts.
Progressive sells policies through 6 different Boston based insurance agencies. You can also buy a policy online.
At the current time State Farm does not actively market new business in Massachusetts. However, you can still get in contact with them at their website if you have an existing policy.
Your insurance agency not listed? If you own an insurance agency that operates in Boston and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Boston Auto Insurance Rates
Driving in big cities is almost always more expensive than driving in more rural areas. The risk of theft and increased risk of accidents both drive car insurance rates up. Finding accurate numbers for average Boston car insurance rates is not easy. The Insurance Information Institute found that Massachusetts as a whole was the 13th most expensive place in the US to buy a policy in 2008.
They claimed the average price paid for drivers for insurance was $903 per year in Massachusetts versus $789 per year in the United States. Therefore, insurance in Boston is likely to be more expensive, but how much more? To answer this question we used the Auto Insurance Premium Comparison Tool from The Office of Consumer Affairs website.
It lists several hypothetical drivers and how much they would have to pay for their auto insurance premiums. Using this tool and focusing on Boston center only, we found policies being offered for single drivers in a range between $417 to $2,631. This would make the average Boston car insurance rate about $1,524 per year. The actual number is almost certainly different, but likely not too far off.
At the end of the day, the average price paid for insurance by drivers doesn’t really matter all that much. What really matters is how much you pay for insurance. Read a few guides to saving money on insurance and shop around and you’ll find the best deal you can get. Always, always be sure to get some Boston car insurance quotes online to get a better idea of what ballpark your rates should be.
Driving In Boston
Driving in Boston can be a chore. In 2010, the city was ranked as the 8th worst metropolitan area in the United States for traffic congestion by the INRIX National Traffic Scorecard. Not something you want to boast about.
Boston has 10 of the most congested traffic corridors anywhere in the US. The worst roads/highways are the Southeast Expressway, I-93, I-95, Pilgrims Highway and the Newburyport turnpike. The worst time of day to drive is Friday, 5:30-5:45 PM (as if you didn’t already know). All the more reason to pay attention to Boston area traffic reports. You can also learn more from the Police FAQ from the City of Boston website.
Guide to Massachusetts Car Insurance Laws
Massachusetts has among the strictest requirements for auto insurance in the lower 48 states. We have listed a few things every driver in Boston and the state Massachusetts should know, but do not claim to have anything close to an exhaustive resource. If you have any questions about your auto insurance coverage you are strongly advised to get in contact with either the Massachusetts Division of Insurance and/or the Massachusetts Registry of Motor Vehicles.
To make sure your car is properly insured you’ll need 4 separate types of coverage. The minimums for each are listed below, but be advised you should always buy more coverage than the absolute minimum.
- Bodily Injury Liability to Others: $20,000 per person; $40,000 per accident.
- Bodily Injury Liability Caused by an Uninsured Vehicle: $20,000 per person; $40,000 per accident.
- Damage to Someone Else’s Property: $5,000 per accident.
- Personal Injury Protection (PIP): $8,000 per person, per accident.
Besides these minimums it is good to know that Massachusetts operates under the no-fault system of auto insurance. Moreover, as a driver in the state you also have a Consumer Bill of Rights for Automobile Insurance that lays out many of your rights and responsibilities.
Be advised any reputable insurance company operating in the state will be aware of the laws and requirements listed above. As a result, when you get an instant car insurance quote you should only be presented with policies that meet them. It is up to you to decide if it meets your needs, but a good rule of thumb is the more insurance the better.
Boston Car Insurance Quotes For The Right Policy
Purchasing a Boston car insurance policy requires you to search for the most cost efficient way of finding it. You can only do this if you get multiple car insurance quotes. Luckily for you, you can now easily do this over the Internet.
There are a multitude of Massachusetts car insurance quotes available online from different financial and insurance institutions. Aside from the fact that these online car insurance quotes are free of charge, you can also get enough so that it efficiently helps you decide on which policy you should take out.
Instant car insurance quotes are particularly helpful, as they can provide you with the basis that you need, when searching for a Boston, MA car insurance policy. You do not need to wait for the response of a representative from a car insurance agency or broker any longer.
You can compare and contrast policy prices right as your quote results are generated. This makes the acquisition of car insurance in Boston, Massachusetts incredibly easy.
Automobile Insurance – Massachusetts Office of Consumer Affairs and Business Regulation