Car insurance costs in boston (mission hill in my case)

Submitted by Emotional_Comment293 t3_10p8q5p in boston

I've just moved from Boylston to Mission Hill and my premium nearly doubled (I use Progressive) to $1700 / 6 mo!!

Am I going insane or is this absurd? I have a 2018 crosstrek and I've never been in an accident.

Going to get a quote with Geico /smaller companies to compare, but wanted to know what these numbers look like for anyone else

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seaweedandburgundy t1_j6jg6vm wrote

For what coverage? Everyone here kept listing their premiums but not mentioning the associated coverage.

Sure I can have a cheap as hell auto insurance with 20/40/20 and no collision.

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ik1nky t1_j6kebjt wrote

My policy for my 2021 Crosstrek is $340/6 months with:

Bodily/Uninsured/Underinsured $100,000/$300,000

Property Damage $50,000

PIP $8,000 with 0 deductible

Collision with $500 deductible

Deductible $500 but $0 deductible for glass

$50/day rental reimbursement

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Emotional_Comment293 OP t1_j6ki105 wrote

I have pretty much the shittiest coverage. From what I'm seeing here, will definitely look at geico!

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egg_heads t1_j6lme7e wrote

Yes get GEICO. I have some really high top insurance policy and splurged for whatever extras and I think I paid like $700 for 6months. Granted I have no bad history

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Squish_the_android t1_j6mpf0e wrote

Don't just call one based on what you're seeing here. Call around and get a few quotes.

Call GEICO , Amica, and one of the smaller ones just to see what they can do.

Also don't cheap out on this when it comes to coverage.

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ik1nky t1_j6izj44 wrote

2021 Crosstrek in North Cambridge and I pay $350/6 months with Geico. Progressive quoted me around $900 for the same coverage.

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Capncrunch754 t1_j6j749o wrote

X2 for geico. Previously had Allstate and geico cut my rate by about 60%

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[deleted] t1_j6j80cl wrote

[deleted]

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ImmunotherapeuticDoe t1_j6mr5g3 wrote

Seconding this, my agent looks for the best possible policies for home/auto and makes sure I get all the discounts I can.

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Ymitri t1_j6k8w71 wrote

I believe the Mission Hill area has one of the highest costs of car insurance in the area.

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Funkybeatzzz t1_j6j7bu9 wrote

You were paying nearly $800 before? That itself seems absurdly high. Lots of tickets? How old are you? I’ve been with Progressive for years and only pay $286/six months.

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bostonthrowaway135 t1_j6jcd29 wrote

Your insurance is unbelievably low. 800 to me seems reasonable if they are under 25

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Funkybeatzzz t1_j6jcsp4 wrote

Yeah, that’s why I asked their age. I’ve had Progressive for 20 years or so with no accidents. Just renewed last week for $286.

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-CalicoKitty- t1_j6jv8b0 wrote

Does that actually cover anything? I pay like $900 per year.

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Funkybeatzzz t1_j6jvfha wrote

Covers all necessary Massachusetts requirements plus a bunch of extras. I did that SnapShot thing a few years ago and it reduced it some as well.

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-CalicoKitty- t1_j6k2ya9 wrote

Thanks for the info, I'll have to check that out. It's been a while since I've shopped around.

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hellno560 t1_j6jj84i wrote

I rarely use my car. Allstate mile wise by the mile insurance saved me a ton. If you don't car commute consider it.

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Yak_Rodeo t1_j6jk6gu wrote

everything costs more in the city

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northeasternlurker t1_j6ln7i6 wrote

Geico the cheapest in Mass. I pay about $100/month living in Boston

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no2cminorop18 t1_j6k2r9z wrote

Also live on Mission Hill with a pristine driving record. My early 2010s sedans are about $1100-$1400/6mo with Progressive on their cheapest plan. Might switch to Geico after these comments though

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davdev t1_j6kf58o wrote

Going from Boylston to Mission Hill will do that. Sure, Mission Hill is a lot better than it was 20 years ago, but it is still an elevated crime area.

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taguscove t1_j6l4cu7 wrote

Shop around. Different insurers price risk differently. Some insurers screw up and way underprice.

I am extremely low risk. 30s, 250/500 personal injury/uninsured/underinsured, $250k physical property. $240 premium for a 6 month period. I have had other reputable insurers quote $900 for that same coverage

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biddily t1_j6nxu5x wrote

I have a 2018 mazda3, Dorchester/Popes Hill. No tickets, no at fault accidents, Geico. Full Coverage $500 deductable. $620/6 months.

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Spurs_are_shite t1_j6jai2s wrote

I used to live in mission hill, In 2016 I bought a used 2014honda accord, clear history for 6 yrs, I was 23 then, I got quoted 1700/6 mo by Safety, 1800/progressive, 2200/AAAmapfre... Settled for Geico at 1200.

Moved to Quincy a month later and my insurance dropped to 600/6

A yr later I got a speeding ticket and my insurance only barely went up.

Geico is really good and definitely saved me more than 15% in 15 mins.

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Unfair_Isopod534 t1_j6n08rp wrote

>Geico is really good and definitely saved me more than 15% in 15 mins

I hate that you pointed it out because I always felt like it was a gimmick. So freaking true.

Also fun fact, u can get quotes for houses when you are shopping for one. Helps with some estimates.

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