"Affordable" is a very relative term... A nice 3 bedroom apartment can easily be around $3000+ utilities($200-400). Of course, every one has different standard of nice also. Here's an example in Newton
Avalon at Newton Highlands - Luxury apartments for rent in Newton, Massachusetts
Car insurance - depends on your drive record, types of car, deductible and where you live... it usually starts around $1000.
Parking in the suburb is usually free. However, if you drive into Boston... monthly parking is about $300-400/month.
Kindergarten... there are many choices... it depends more on where you live and what you expect you kid to do in that environment. Kindergarten is not required in MA but most public school offers it. Most are half days but some full days. The main thing to look for .... listen to the noise level in the classroom. If there are chaos noise in classroom, it usually means... there are problems...