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boston car insurance

Home to Fenway Park, Cheers, and some pretty incredible cream pies, Boston is a beautiful blend of history and modernity — and a superb place to call home. To help you get the most out of the City on a Hill, we offer a smarter approach to the auto insurance process.

With convenient online tools, the financial strength of an Allstate company, and round-the-clock customer service, we're confident all Bostonians will see the myriad benefits of joining Esurance. Get your personalized Boston car insurance quote in mere minutes to see how much you could start saving today.

boston auto insurance discounts

We pride ourselves on being pretty revolutionary when it comes to car insurance. We offer affordable coverage as it is, plus a wealth of hefty discounts that could help all Bostonians save money for the finer things in life (like tea too tasty to toss in the ocean, perhaps?).

Fast 5® discount

Score savings of 5 percent off your first-term premium just for starting your Esurance quote online.

Paid-in-Full discount

Qualify for this major money-saver when you pay your entire premium up front. Easy as that!

Multi-Car discount

Save some cash when you insure more than one vehicle on the same Esurance policy.

And there's a lot more where those came from — check out our Massachusetts car insurance page for more details on discounts.

Savings may vary. If you already have Boston coverage with Esurance and have questions about your discounts, always feel free to give us a ring at 1-800-ESURANCE (1-800-378-7262). We're here to help 24/7.

required coverages in boston

Liability coverage

Liability coverage can help pay for the other driver's accident-related property damage and medical bills if you're found at fault in the incident.

All Boston residents must carry at least the following liability limits on an Esurance policy:

  • $20,000 of bodily injury to others coverage per person
  • $40,000 of bodily injury coverage per incident
  • $5,000 of property damage coverage per incident

This is often expressed as 20/40/5. Bodily injury to others coverage can help financially protect you if you're found at fault in an incident that results in accidental injury or death to others (excluding your passengers), but only if the accident occurs within Massachusetts.

If you want financial protection for at-fault incidents that might occur while driving out of state, optional bodily injury to others coverage can help pay for things like lost wages, medical bills, legal liability, and more (plus, it extends this protection to your passengers).

Uninsured motorist coverage

Massachusetts motorists are also required to carry uninsured motorist coverage, which helps protect you and your passengers if you're injured in an accident caused by an uninsured driver. The state requires drivers to carry this coverage at the same minimum limits as your bodily injury liability coverage — $20,000 per person, $40,000 per incident.

Personal injury protection (PIP)

In case you hadn't noticed by now, your state doesn't mess around with auto insurance coverage, but this is the last (required) one — promise!

Bostonians are required to carry a minimum $8,000 of PIP coverage, which helps pay for medical bills, lost wages, and even substitute services if you're involved in an accident — regardless of fault.

optional auto insurance coverages

We're blazing the trail to freedom when it comes to customizable car insurance that allows you to tailor a policy to your needs. CoverageMyWay®, only from Esurance, can help you prioritize coverage options that match your life when you get a quote. It's just another way we empower you to make smart choices with your protection.

Some coverage options in Boston include:

Customized parts and equipment

Whether you have a sweet sound system or a custom paint job, this coverage can help protect certain modifications you make to your ride.

Towing and labor

Break down on the way to Boston Common? Notorious for leaving your keys in your car? Towing and labor can be a real lifesaver in these situations and more.

Comprehensive and collision

Often referred to as "full coverage," comprehensive helps financially safeguard you from risks like theft and glass damage, while collision can help fix up your car after an at-fault accident.

boston driving stats and facts

Traffic woes

Living in one of the most densely populated cities in the country doesn't spell good news for traffic conditions, but Boston's famously inclement weather certainly doesn't help the situation.

The city averages 120 days of either rain or snow per year — more than likely contributing to the 53 hours the average commuter sat stuck in traffic in 2011.

First-rate public transit

There's a reason Boston is nicknamed America's Walking City. Commuters are more likely to walk to work than those in any other major city, with more than 15 percent arriving to work on foot in 2012. In fact, Walk Score rates Boston one of the most walkable large cities in the country!

On top of that, Boston's Green Line is home to the world's first subway system (which has kept up with the times exceptionally well, we might add!), plus convenient light rail and bus lines. The city's public transit is ranked third among U.S. cities with the best public transportation systems — beat out only by New York City and San Francisco.

Related links

The dangers of winter driving
Boston's no stranger to blizzards, so it's important to brush up on the perils you might face on snow- and sleet-soaked streets.

Massachusetts Registry of Motor Vehicles
Still have questions about driving in Massachusetts? Get answers from your state's official driving authority.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.