Car Insurance Massachusetts Quotes

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Car Insurance Massachusetts Quotes – Boston is the most populous city in Massachusetts, which means that residents pay more for their car insurance. The average minimum auto insurance policy in Boston is $933 annually, which is 29% more expensive than the state average of $764.

The best way for Bostonians to keep their rates low is to compare rates from multiple insurance companies.

Car Insurance Massachusetts Quotes

Insurance companies calculate your premiums based on the risk they think you pose. The risk factors considered vary from company to company, but often include factors such as where you live and whether there have been any accidents in your driving history. If you’re looking for your best rate, start by comparing quotes from at least three companies.

Who Has The Cheapest Massachusetts Auto Insurance Quotes?

Cheaper rates for a minimum coverage policy in Boston than in Hanover. A minimum coverage policy costs just $456 per year, making it $477 cheaper than the city average of $933 per year.

Safety insurance offers the second cheapest rate for minimum coverage. Its annual premium is $503 per year on average, which is just $11 per month more than Hanover’s. Geico is next for affordability, charging $583 annually. We recommend starting your search for cheap car insurance in Boston with these three companies.

If you want to protect your vehicle with full coverage, we recommend getting a quote from Safety. Boston’s driver safety fee is $1,384 annually for full coverage. That’s $1,333 cheaper than the city average and $112 cheaper than Geico, the next cheapest insurer.

A full coverage policy includes collision and comprehensive coverage, in addition to the minimum coverage legally required in Massachusetts. Massachusetts’ minimum mandatory coverage covers your injuries and legal fees incurred if you hit another driver up to a certain limit, but does not cover any damage to your car.

Alabama Car Insurance Requirements, Laws, And Quotes

If there are accidents on your driving record, the insurance company will likely see you as a dangerous customer rather than a driver with a clean slate and raise your rates. With this in mind, we recommend the following insurance companies for Boston drivers:

The average insurance premium increases by 50% for Boston drivers after they are at-fault in an accident, from $2,717 annually to $4,079.

However, if you buy an insurance policy from Geico, you can get full coverage for 47% less than the average. Drivers who have a fault-to-record accident will only pay $2,147 if they insure their vehicle with Geico.

Auto insurance premiums increase 35% after a speeding ticket, from $2,717 annually to $3,529 annually for full coverage. It’s not great, but it’s definitely less expensive than boarding after a at-fault accident (50%) or a DUI (66%).

Cheapest Car Insurance In Massachusetts (jan. 2023)

Geico offers the cheapest rates for Boston drivers who get a speeding ticket. The city average is $3,529 per year, but Geico charges less than $1,889—just $1,640 per year.

A citation for driving under the influence (DUI) is one of the most serious citations you can have on your record. As such, insurance companies raise your rates exponentially. The average cost of auto insurance in Boston after DUI is $4,501 per year for full coverage.

Boston drivers looking for affordable post-DUI insurance should get a quote from Progressive. Progressive raises annual premiums by just 17% after DUI, from $1,918 per year to $2,241, and that comes to just $323 per year, or $27 per month.

Young drivers pay more for car insurance than their older counterparts. Insurance companies see their lack of road experience as a sign of increased risk and raise rates to account for this. A sample of 18-year-old drivers in Boston were paid $7,445 annually—a 174% increase over the 30-year-old driver.

The Definitive Guide To Finding The Best Cheap Car Insurance

Geico has the cheapest rates for young drivers in Boston, charging $3,796 annually for a full coverage policy. While this is certainly expensive, it is 49% cheaper than the city average.

Teen drivers who want to avoid paying these high prices should adhere to their parents’ policy if possible. It found that keeping a teen on a parent’s policy can cost half as much as a teen taking their own policy.

Other ways for teens to lower auto insurance rates include taking a defensive driving course or maintaining good grades. Insurance companies see these measures as a sign of reduced risk and offer discounts because of them.

Boston is the most populous city in Massachusetts, but 2018 FBI crime data shows that it has a relatively low rate of auto theft. Of the ten largest cities in the state, Brockton has the highest rate of car thefts per capita, while Boston has the lowest. About 3.2 cars are stolen for every 1,000 residents in Brockton, while in Boston, that number drops to 1.7 cars stolen for every 1,000 residents.

Best Car Insurance For Teens Of January 2023

Obtain quotes from seven of the largest insurance companies in Massachusetts for this study, using price data from Quadrant Information Services. Unless otherwise noted, our sample driver is a 30-year-old male with a full coverage policy for the 2015 Honda Civic EX that he owns. He has no credit history, which makes him for insurance purposes the equivalent of a driver with low equity or poor credit, according to Quadrant.

Quadrant Information Services provided the rate data for this analysis. Prices are publicly available from insurance company filings and are for comparison purposes only. Your quotes may vary.

To obtain an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! To find the best cheap car insurance in Massachusetts, our editorial team compares quotes from some of the largest auto insurance companies from every zip code in the state. Quotes for minimum coverage meet the State of Massachusetts minimum requirements of $20,000 in bodily injury liability coverage per person and $40,000 per accident, and $20,000 bodily injury liability coverage for uninsured motorists per person and $40,000 per accident, Plus $5,000 in property damage coverage and $8,000 in Personal Liability Injury Protection (PIP) coverage. Full coverage rates include collision and comprehensive coverage, as well as liability limits higher than state minimums.

Additionally, we rate the best car insurance companies in Massachusetts based on cost for different drivers, coverage availability, convenience, and customer service reviews.

Boston Auto & Car Insurance Quotes

Hanover Insurance is the cheapest car insurance company in Massachusetts for a minimum coverage policy. At $32 per month, Hanover’s rate is 47% lower than the state average.

Minimum insurance covers only injuries or damage to the property of others. For example, Massachusetts’ minimum policy covers only $5,000 in property damage, which fully covers damage to another vehicle in a minor accident.

A full coverage policy includes liability insurance, comprehensive coverage and collision coverage. Comprehensive coverage and collision coverage are recommended if you wish to cover the cost of damage to your own vehicle.

The cheapest full-coverage auto insurance policy in Massachusetts comes from Safety Insurance, with an average monthly rate of $90.

Car Insurance In Massachusetts

The average cost of complete auto insurance coverage in Massachusetts is $2,139 per year, or $178 per month. That’s nearly twice the rate from Safety, which means you can find cheaper rates by comparing car insurance companies.

Geico and Progressive have the best rates for Massachusetts drivers who have had a previous driving accident. Full car insurance coverage is usually more expensive for drivers who have accidents on their record, such as a DUI (driving under the influence) citation or a speeding ticket.

Geico offers the cheapest full coverage for drivers caught speeding, at $1,338 cheaper annually than the state average. Speeding tickets raise auto insurance rates in Massachusetts by 34%.

Geico has the cheapest quotes for a full coverage policy if you have an accidental mistake on your record, with an average monthly rate of $170. The cost of Geico auto insurance is 37% less than the average cost of coverage after an accident in Massachusetts, which is $271 per month.

Car Insurance For Good Drivers

Insurance companies look at drivers’ histories to determine the risk of an accident and adjust rates for their customers based on that information. Massachusetts insurance companies are no different.

If you have a history of traffic violations or accidents, you will be charged higher than if you had a clean record.

Average rates in Massachusetts increased by 52% after an accident occurred at fault. Insurance companies increase premiums for drivers who get into accidents because they are statistically more likely to have another accident in the future. This makes them riskier — and more expensive — to insure.

Progressive is the cheapest option if you’re a Massachusetts driver looking for affordable, comprehensive post-DUI coverage. At $152 per month, it’s 50% cheaper than average.

Why Your Education And Job Could Mean You’re Paying Too Much For Car Insurance

DUIs caused a higher incidence than any other analysed incidence. The average premium goes up 70% – more than the cost – after a speeding ticket or a at-fault accident.

Arbella is Massachusetts’ premier auto insurance company for customer satisfaction. It also has a solid financial strength rating from AM Best.

Shopping for car insurance shouldn’t just be about affordability. You also need to find an insurance company

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