Cheap Car Insurance in Boston, Massachusetts

Looking to learn more about Boston and how you can get cheap car insurance? Well, those who are interested in American history must study Boston. This city is one of the country's oldest as it was founded by Puritans in 1630. Most notably, the Boston Tea Party and the Boston Massacre took place here.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Boston. Shop for your auto insurance today!

Driving Conditions in Boston

Driving conditions during the summer months are complicated by the rain, but Boston drivers have rain as well as snow during the winter months. Also during the summer months and springtime are frequent incidences of fog that can make it difficult for drivers to see on the roads. Hurricanes and tropical storms only occur on an occasional basis during the fall months.

Odd Laws in Boston

The state of Massachusetts prohibits the existence of witches and Quakers within its borders. In order to wear a goatee in public, men must obtain a license and pay a fee.

Crime Statistics in Boston

In 2015, authorities reported 1,610 vehicle thefts in Boston, along with 13,147 larcenies and 3,096 burglaries, according to the FBI.

Safety Requirements in Boston

Seatbelt law

In Massachusetts, every vehicle driver and passenger must wear a seat belt (with a few exceptions). Anyone over 16 who’s found not wearing a seat belt can be fined $25. If passengers under 16 aren’t wearing seat belts, the driver can be fined $25 for each of those passengers.

Under Massachusetts law, any child under age 5 and any child weighing 40 pounds or less must ride in a child passenger restraint, such as a booster seat, car seat or infant seat. Also, a child under 8 must be fastened into child passenger restraint, except if the child is at least 57 inches tall.

Helmet Law

Any bicycle operator or passenger under 16 must wear a helmet. Regardless of age, every motorcycle operator or passenger must wear a helmet.

A violation of the bicycle helmet law can lead to a fine of up to $20.

Anyone violating the motorcycle helmet law faces a fine of $35 for the first offense and a fine of $75 to $100 for the second offense. In addition, a violator can be hit with an insurance surcharge that lasts at least six years.

Handheld Law

Massachusetts law prohibits texting while driving. However, it allows talking on a cellphone while driving (unless the driver is under 18).

Violating the texting-while-driving law can result in a $100 fine for a first offense, $250 fine for a second offense and $500 fine for a third offense.

Impaired Driving Law

In Massachusetts, what people in other states know as DUI or DWI is called operating under the influence (OUI), which covers alcohol and drugs. For someone 21 and over, the OUI limit for blood alcohol concentration is 0.08 percent; if you’re under 21, it’s 0.02 percent. 

No minimum jail sentence is required for a first-time OUI offender; for a second-time offender, it’s 30 days, and for a third-time offender, it’s 150 days.

A first-time offender can lose his or her driver’s license for up to one year; for a second-time offender, the maximum is two years, and for a third-time offender it’s eight years. Repeat offenders also are required to install an interlock device in their car. Refusing to take a breath test also may cause you to lose your license in Massachusetts.

To Get Free Boston Car Insurance Quotes, Either:

  • OR

Car Insurance Boston, Massachusetts Agents

Add FREE Listing
  • Aaa Insurance


    125 High St
    Boston, MA 02110
    Visit Agent Website



    The service that I received at this AAA office was absolutely horrific. I came in to get a very simple address change created and was met with the worst attitude I have ever received at any kind of establishment from a customer service agent. It was borderline verbal abuse. The agent's colleague whispered to me "I'm sorry" when she saw the abuse I was receiving after coming in and being completely courteous.
    Another colleague had to step in after this agent refused to service my request and tell her that she was obligated to fulfill my request. I then received a survey link from a branch manager named Pierre Laurent. I wrote back to him detailing my experience and all I received back was another customer survey link.
    Pathetic attempt to run a branch Mr. Laurent!!!!

  • Ap Insurance


    31 Milk St Ste 710
    Boston, MA 02109
    Visit Agent Website


    Moving to Boston from the midwest meant switching my tags and insurance to MA. My co-workers told me to go to his guy and I was truly impressed with the service. They got the insurance set up, got my plates for me and even got me a parking sticker. I also got coverage for my condo and ended up getting a discount on both policies. I would recommend them to everyone.

  • H R Hatch Insurance Agency


    31 Milk St Ste 410
    Boston, MA 02109
    Visit Agent Website


    Moving to Boston from the midwest meant switching my tags and insurance to MA. My co-workers told me to go to his guy and I was truly impressed with the service. They got the insurance set up, got my plates for me and even got me a parking sticker. I also got coverage for my condo and ended up getting a discount on both policies. I would recommend them to everyone.

  • Richard Soo Hoo Agency


    1148 Washington St
    Boston, MA 02118
    Visit Agent Website


    Best insurance agency in Boston! I've had a lot of trouble with other agents- and have always switched after a year or 2. But, not these guys- they are great. Richard is one of the kindest people you will ever meet, It's a family owned and operated business and they really care about their customers. Not to mention they are incredibly knowledgeable and helpful when if comes to insurance. I feel like my money is well spent at this agency!

  • Skelly Insurance Agency


    60 Temple Pl Fl 4
    Boston, MA 02111
    Visit Agent Website


    Bad experience and I will not be using them again. The agents there need to work on their customer service skills.

  • State Fund Insurance Agency


    100 Summer St Fl 16
    Boston, MA 02110
    Visit Agent Website


    I've insured with several different companies through the years, but when I found State Fund, I was both pleased and relieved. I found them to be very competitive, very knowledgable, super efficient and really polite to deal with. You can't ask for more. For me, "all my boxes were ticked" and I remain a very satisfied customer. (Shout out to Jonathan M, btw - who should be voted, "Insurance Rep of the Year"!!)

    Outstanding customer service and knowledge of products.

  • Allston Insurance Agency
  • Amity Insurance Agency
  • Anthony E Ercolini Insurance Agency
  • Aon Risk Services
  • B R Alexander & Company
  • Boston Insurance Brokerage
  • C A Powers & Sons
  • Chan Insurance Agency
  • Child-genovese Insurance Agency
  • Christopher J Roche Insurance Agency
  • Cleary Insurance
  • Crosbie-macdonald
  • D & I Lohr Insurance Agency
  • Dwight Rudd & Company
  • Educators Insurance Agency
  • Exchange Insurance Agency
  • First Indemnity Insurance Agency
  • George Peters Insurance Agency,, C/o Dwight Rudd & Company
  • Hilb, Rogal & Hobbs
  • Hollis, Perrin & Black Agency
  • Homesite Insurance Agency
  • Intego Insurance Services
  • Intercontinental Insurance Brokers
  • International Insurance
  • J J Bodner Insurance Agency Of Boston
  • James Gorman Insurance
  • John F Spinney, Jr Insurance Agency
  • Knapp, Schenck & Company Insurance Agency
  • Marsh Usa
  • Marvin Kaplan Insurance
  • Nancy Z Bender Insurance Agency
  • O'connell Insurance Group
  • Previte's Insurance Agency
  • R L Summers Insurance Agency
  • Rapo & Jepsen Insurance Services
  • Risk Placement Services
  • Robert Cleary Group
  • Robert S Clark Insurance Agency
  • Rsc Insurance Brokerage
  • Satellite Agency Network Group
  • Seabury & Smith
  • Swett & Crawford Group
  • T A Holland Insurance Agency
  • T Robert Sullivan Insurance Agency
  • Tam Insurance Agency
  • The Hays Insurance Brokerage
  • The Weiner Company
  • Theodore Liftman Insurance
  • Thomas E Sears
  • Walter Kwan Insurance Agency
  • Wells Fargo Insurance Services
  • William Gallagher Associates
  • Shelley Alves
  • Shalanda Berni
  • Katrina Lebeda
  • Leon Vannorman
  • Braeden Albergo
  • Eve Argent
  • Reece Farin
  • Ana Gilton
  • Dylan Anselmo
  • Susan Henzel
  • Darin Merkt
  • Toni Kidney
  • Kendra Chisolm
  • Kristen Frisinger
  • Desiree Anjum
  • Claude Huntsberry
  • Cameron Tepfer
  • Chanelle Greenlees
  • Sara Vanhall
  • August Langton
  • Lennon Devendorf
  • Laura Sjoquist

Auto body shops Boston, Massachusetts

Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

Remind Me to Save Again!

Want to remember to get quotes later? Get a reminder!
E-mail address:
How many times?
Remind me in: