How Much is Car Insurance for Good Drivers in Massachusetts?

When buying car insurance for safe drivers, one of the key components that determine the price you pay for insurance is where you keep your vehicle in Massachusetts. Densely populated urban areas like Revere, Lynn, and Springfield tend to pay higher rates, whereas areas with lower vehicle theft rates and fewer weather claims generally pay less for car insurance.

The table below sorts the most costly cities in Massachusetts for good drivers in which to buy car insurance.

Rate information is approximated as specific Massachusetts garaging address can impact price quotes greatly.

The vehicle model requiring coverage is a large consideration that determines whether or not you find the best car insurance for good drivers. Vehicles with limited top-end speed, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than fast, unsafe models.

The lists below showcases insurance prices for a number of the cheapest vehicles to insure in Massachusetts.

Price data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Price information does not factor in the specific area where the vehicle is garaged which can modify auto insurance rates substantially.

Data based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, safe-driver, and multi-policy. Price estimates do not factor in vehicle location which can modify rates greatly.

Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific location which can affect rates substantially.

Establishing which company has the lowest-priced car insurance rates for good drivers will involve a little more sweat in order to find the best price. Each insurer uses a different method for filing rates in each state, so we’ll take a look at the car insurance companies with the overall best prices in Massachusetts.

It’s a good idea to know that Massachusetts car insurance rates are impacted by many things which can substantially change the cost of having a policy. Simply having another birthday, marrying your spouse, or getting a ticket for careless driving can trigger rate changes resulting in some rates now being cheaper than before.

Cheapest Insurance Rates for Good Drivers

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State Farm generally has some of the cheapest car insurance rates in Massachusetts at around $741 a year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also make the cut as some of the best Massachusetts auto insurance companies.

As shown in the table above, if you currently have coverage with GEICO and switched to State Farm, you may realize a yearly savings of in the vicinity of $109. Drivers with OneBeacon may save as much as $144 a year, and Commerce Group policyholders might lower prices by up to $170 a year.

These policy prices are averages for all insureds and vehicles and do not factor in a rate discount for good drivers. So the auto insurance company that has the cheapest rates for you may not even be in the list of companies shown earlier. That underscores the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.

Impact of citations and accidents on Massachusetts insurance rates

A great way to obtain the most affordable car insurance rates in Massachusetts for safe drivers is to drive carefully and avoid tickets and accidents. The chart below highlights how speeding tickets and at-fault fender-benders increase yearly insurance costs for each age group. The prices are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

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In the prior example, the average cost of auto insurance in Massachusetts per year with no violations or accidents is $1,837. Add in two speeding tickets and the average cost increases to $2,615, an increase of $779 each year. Now add one accident along with the two speeding tickets and the yearly cost of car insurance for good drivers increases to an average of $3,400. That’s an increase of $1,563, or $130 per month, just for not driving carefully!

Does full coverage make sense?

Finding cheap car insurance for good drivers in Massachusetts is the goal of most drivers, and one of the fastest ways to find cheaper insurance is to not insure for full coverage. The diagram below visualizes the comparison of insurance premiums with full phyical damage coverage and with liability coverage only. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are factored in.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $250 Deductibles’, ‘Liability Only’],[‘Age 20’, 2993,1013],[‘Age 30’, 1573,559],[‘Age 40’, 1545,517],[‘Age 50’, 1407,485],[‘Age 60’, 1361,477],[‘Age 70’, 1655,635]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, physical damage insurance costs $1,756 per year more than just buying liability insurance. At some point, every insured wonders if full coverage is worth the money. There is no clear-cut formula of when to phase out full coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.

For example, let’s pretend your vehicle’s replacement cost is $8,500 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $7,500 after the policy deductible has been paid. If it’s costing in excess of $750 a year for full coverage, then it may be the right time to buy liability only.