Best Auto Insurance In Boston: Top Picks And Why

When it comes to auto insurance in Boston, there are a variety of factors that can affect the cost of your policy, including your age, driving record, and location. The average cost of car insurance in Boston is $1,766 per year, which is higher than the state and national averages.

Several companies offer competitive rates in Boston, including GEICO, Amica, Progressive, and Allstate. State Farm is often the cheapest option for minimum and full coverage, as well as for teens, young adults, seniors, and drivers with tickets or accidents on their records. Chubb is also a good option, known for its excellent customer service and affordable rates.

When choosing an auto insurance provider in Boston, it's important to consider your specific needs and compare quotes from multiple companies to find the best rate for your situation.

Best for driving incidents: Geico

GEICO is a popular auto insurance company in Boston, offering a range of benefits to its customers. The company provides competitive car insurance rates, 24/7 service, and a fast and free auto insurance quote online. GEICO also has a user-friendly mobile app and dedicated insurance agents in Boston who can answer any questions about their policies.

One of GEICO's standout features is its ability to cater to drivers with incidents on their records. According to Bankrate, GEICO is the "Best for driving incidents" in Boston and across Massachusetts. The company offers lower-than-average rates for drivers with speeding tickets, at-fault accidents, or DUIs. This is particularly beneficial for drivers in Boston, as traffic violations can significantly increase insurance rates. GEICO's rates for drivers with incidents are significantly lower than the national average, providing a cost-effective option for those with less-than-perfect driving records.

GEICO's comprehensive coverage options also contribute to its reputation as the best for driving incidents. In addition to the minimum coverage required by Massachusetts law, GEICO offers collision and comprehensive coverage. Collision coverage can be used to repair your vehicle, regardless of who is at fault in an accident. Comprehensive coverage protects your car from events other than collisions, such as adverse weather, theft, or vandalism. These additional coverage options provide Boston drivers with enhanced financial protection and peace of mind in the event of a driving incident.

Furthermore, GEICO offers a range of discounts that can help offset the cost of insurance for drivers with incidents. These include potential discounts for insuring multiple vehicles, having safety features in your car, being a federal employee, or maintaining good grades. By combining competitive rates, comprehensive coverage, and various discounts, GEICO ensures that drivers with incidents can find affordable and reliable auto insurance in Boston.

Best for stacking discounts: Amica

Amica is a great option for drivers in Boston who are looking to stack discounts and save on their auto insurance. Amica is one of the best car insurance companies in Massachusetts, according to Bankrate, and offers several potential discounts to help lower your premium.

Amica has solid financial strength ratings with AM Best and impressive J.D. Power scores. It also offers an auto insurance dividend policy, where members could receive up to 20% of their premium back as a dividend each year. This opportunity is in line with Amica's focus on providing ample possibilities for savings and discounts.

Amica may be the best option for those who want to combine or stack auto insurance savings. The company offers various potential discounts, including premium savings for being accident-free and paying in full. Amica also has a safe driving program called StreetSmart, which allows policyholders to save up to 20% on their policy by demonstrating safe driving habits.

In addition to its discount options, Amica provides tailored coverage and world-class service. It helps you find the right coverage and pairs it with superior service so you can hit the road with peace of mind. Amica also has award-winning customer service representatives available 24/7 to assist you with any questions or concerns.

With its combination of discount options, coverage, and customer service, Amica is an excellent choice for drivers in Boston looking to stack discounts and save on their auto insurance.

Best for customizing policies: Progressive

Progressive is a leading auto insurance company that has been in the business since 1937. It offers customized auto insurance and superior claims services, with day-and-night customer support.

Progressive is rated as the best for customizing policies, with an average of seven discounts earned by its auto insurance customers. It also has the #1 combined personal and commercial auto insurance.

Progressive offers a wide range of insurance products to meet specific needs, including customized coverages. It also provides on-water towing, fuel spill removal, mechanical breakdown coverage, and more.

In Massachusetts, Progressive offers the required coverages, including auto liability coverage, uninsured/underinsured motorist coverage, and personal injury protection. The company also provides additional coverages, such as comprehensive and collision auto coverage, which lenders usually require for car loans or leases.

Progressive has a variety of discounts to help lower your car insurance in Massachusetts, including continuous insurance, five-year accident-free, electronic funds transfer, and three-year safe driving. You can also bundle your home and auto insurance with Progressive to save over 20% on average nationwide.

Best for giving back: Arbella

Arbella Insurance is a customer-focused, regional property and casualty insurance company that has been in business since 1988. Headquartered in Quincy, Massachusetts, Arbella is rated A by AM Best and has approximately $1.8 billion in assets.

Arbella offers an impressive selection of add-on coverage options, including a snowplow endorsement, that are tailored to meet the unique insurance needs of Massachusetts, Connecticut, and New England more broadly. The company also boasts a solid list of discount opportunities.

Arbella is also notable for its commitment to giving back to the community. The company prioritizes community engagement and partners with local organizations such as the Boston Bruins Kid Captain program and Special Olympics Massachusetts. As a result, Arbella was named one of the most charitable companies in Massachusetts by the Boston Business Journal.

In addition to its community involvement, Arbella is also committed to its employees, who typically develop long and satisfying careers with the company. This dedication to its workforce has led to Arbella being recognized as a Best Places to Work Company by the Boston Business Journal since 2009.

Overall, Arbella's combination of comprehensive coverage options, discount opportunities, and commitment to community engagement and employee satisfaction make it a strong choice for those seeking auto insurance in Boston.

Best for safe drivers: Allstate

Allstate auto insurance is a good option for safe drivers in Boston, Massachusetts. Allstate offers a full suite of mobile and online apps for customers to build out their insurance policies. The company also provides safe drivers with multiple ways to save money.

Allstate's Deductible Rewards program, for example, allows you to earn money off your deductible for each year you drive without an auto accident. The Safe Driving Club, also called Allstate's Safe Driving Bonus program, allows drivers to earn a savings bonus on their car insurance every six months they go without an accident. Finally, the Drivewise program is a free system for real-time monitoring of driving habits that can result in discounts as a reward for safe driving.

According to Bankrate, Allstate is one of the best car insurance companies in Massachusetts, along with Geico, Amica, and Progressive. Allstate may be a good fit for drivers looking for multiple savings programs that may help them lower premiums and deductibles based on driving habits.

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