Cheap car insurance in Massachusetts

Cheap car insurance in Massachusetts

It is mandatory to get car insurance in Massachusetts for drivers to drive legally in the state. Different companies in Massachusetts provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Massachusetts:

 

Name of the Company Average annual car insurance premiums
State Farm $682
GEICO $1046
Norfolk and Dedham $1200
Safety Group $1235
Plymouth Rock $1241
Travelers $1328
MetLife $1430
Arbella $1472
Quincy Mutual $1530
Progressive $1656
Amica $1688
Metropolitan $1706
National Grange Mutual $1714
Vermont Mutual $1780
Allstate $1789
Hanover $1950
Encompass $2144
Liberty Mutual $2326

Cheap car insurance in Massachusetts for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Massachusetts with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Massachusetts provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Massachusetts by maintaining a good driving record. Most auto insurance companies in Massachusetts provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $296 on car insurance premiums in Massachusetts.
  •  Drivers may save $815 on car insurance premiums if they have an accident-free record in Massachusetts.
  •  By maintaining a good credit history you may save $0-4 on car insurance premiums in Massachusetts. 

Cheap car insurance for inexperienced drivers in Massachusetts

Most auto insurance providers may charge high auto insurance premiums in Massachusetts from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Massachusetts vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Massachusetts. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4617 $5050
17 $4326 $4517
18 $4109 $4339
19 $4109 $2660

Affordable auto insurance in Massachusetts for high-risk drivers

Car insurance companies in Massachusetts charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Massachusetts can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Massachusetts may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1967
DUI $2298
Speeding Violation $1446
Bad Credit $1156

Best car insurance companies in Massachusetts

Car insurance prices in Massachusetts may vary from company to company. Some companies in Massachusetts charge lower car insurance premiums than others. To get the best auto insurance policy in Massachusetts you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Massachusetts by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Massachusetts:

  1. Allstate
  2. Arbella
  3. Commerce Insurance
  4. Encompass
  5. GEICO
  6. Hanover
  7. Liberty Mutual
  8. MetLife
  9. Norfolk and Dedham
  10. OneBeacon
  11. Progressive
  12. Quincy Mutual
  13. State Farm
  14. Travelers
  15. USAA

What auto insurance coverage is mandatory to purchase for drivers in Massachusetts?

The average annual cost to get the minimum required coverage in Massachusetts may be around $615.  The minimum required coverage for drivers in Massachusetts to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $20000
Bodily injury per accident $40000
Property damage per accident $5000

 The state minimum auto insurance requirements in Massachusetts

The state minimum auto insurance coverage requirement in Massachusetts is liability coverage.

  1. $20000 bodily injury coverage per person is required in Massachusetts.
  2. $40000 bodily injury coverage per accident is required in Massachusetts.
  3. $5000 property damage coverage per accident is required in Massachusetts.

Other types of optional coverages in Massachusetts are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Limited Collision
  7. Underinsured Motorist Bodily Injury
  8. Optional Bodily Injury 
  9. Medical Payments

Fine for driving without car insurance in Massachusetts

If anyone caught driving without a car insurance policy in Massachusetts then police may charge a fine.

Car insurance prices by cities in Massachusetts

Car insurance premiums in Massachusetts may vary from city to city. In some cities of Massachusetts, car insurance prices are high compared to others.

City Average annual insurance premiums
Brockton $2444
Revere $2370
Lynn $2165
Malden $2155
Springfield $2025
Lawrence $1987
Worcester $1869
Fall River $1855
New Bedford $1838
Medford $1785
Boston $1770
Quincy $1728
Somerville $1658
Lowell $1655
Peabody $1630
Weymouth $1598
Taunton $1585
Chicopee $1576
Cambridge $1575
Brookline $1574
Framingham $1557
Haverhill $1536
Newton $1507
Waltham $1497

If you are looking for a car insurance deal in Massachusetts, you can compare  car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

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