Cheap Auto Insurance for Drivers Under 21 in Massachusetts

You have probably seen the captivating ads from auto insurance companies like State Farm, The General, and Allstate that make claims of enormous savings, so you just need to pick the company with the best ad, right?

Regrettably, it’s not quite that easy, as there are a whole bunch of unknown elements such as if your vehicle is for work or personal use, the number of years you have been licensed, the deductible level you need, and if you have ever let your policy lapse. The content below covers the best ways to save on auto insurance and will hopefully give you a good beginning to your quest for cheaper car insurance in Massachusetts.

The vehicle model you are seeking coverage for is one of the largest considerations that determines whether or not you can buy the best auto insurance for drivers under 21. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost more to insure than more modest models.

The lists below outlines coverage rates for a number of the cheaper vehicles to buy coverage for.

Table data represents single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in Massachusetts location which can alter price quotes substantially.

Prices based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in garaging location in Massachusetts which can modify prices greatly.

Data based on single female driver age 18, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location which can lower or raise coverage prices considerably.

Deciphering which companies have the best auto insurance rates for drivers under 21 involves a tad more effort in order to find the best policy.

Every insurance provider has a different formula to determine premium rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Massachusetts.

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State Farm offers some of the cheapest car insurance rates in Massachusetts at around $719 per year. National Grange Mutual, Commerce Group, GEICO, and OneBeacon would also be considered some of the cheaper Massachusetts car insurance companies.

As illustrated above, if you are insured with GEICO and switched to State Farm, you might realize savings of roughly $157. Insureds with OneBeacon might save as much as $166 a year, and Arbella insureds might cut rates by $281 a year.

If you want to see how much you could save, click here or quote rates from the companies below.

Be aware that those premiums are averaged across all types of drivers and the different vehicles they drive and do not factor in a rate surcharge for drivers under 21. So the car insurance company that is best suited for you may not even be included in the list above. That affirms the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

When shopping for auto insurance for minors, one of the many factors that is looked at to determine rate quotes is where your car is garaged in Massachusetts. Areas with a lot of weather claims or more people like Revere, Lynn, and Springfield tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims have the enjoyment of a little cheaper coverage.

The next table shows the most expensive places in Massachusetts for drivers under 21 in which to purchase auto insurance.

Rate quotes are comparative as the specific area where the vehicle is garaged can revise coverage prices significantly.

Careless driving habits raise Massachusetts auto insurance rates

The ideal way to obtain affordable auto insurance prices in Massachusetts for minors is to drive safely and avoid tickets and accidents. The chart below highlights how speeding tickets and accident claims increase insurance prices for each age group. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

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The data in the chart shows the average cost of a car insurance policy in Massachusetts per year with a clean driving record and no accidents is $1,873. Get two speeding tickets and the average cost increases to $2,465, an increase of $592 each year. Now get one accident along with the two speeding tickets and the 12-month cost of auto insurance for drivers under 21 increases to an average of $3,079. That’s an increase of $1,206, or $101 per month, just for being a little careless behind the wheel!

Types of discounts on Massachusetts car insurance

Insurers that provide cheap car insurance for drivers under 21 in Massachusetts may also offer premium discounts that can lower rates by as much as 25% or more if you are eligible. Popular auto insurance companies and some of the discounts can be read below.

• The Hartford offers discounts for good student, air bag, anti-theft, bundle, driver training, and vehicle fuel type.
• American Family may include discounts for TimeAway discount, mySafetyValet, air bags, defensive driver, and Steer into Savings.
• Progressive may offer discounts for multi-vehicle, online signing, online quote discount, multi-policy, and homeowner.
• Travelers includes discounts for multi-car, good student, payment discounts, home ownership, and early quote.
• Farmers Insurance discounts include mature driver, bundle discounts, business and professional, multi-car, and alternative fuel.
• USAA may have discounts that include annual mileage, multi-policy, military installation, multi-vehicle, vehicle storage, defensive driver, and loyalty savings.
• Liberty Mutual offers discounts including newly married, teen driver discount, preferred payment discount, multi-policy, and new graduate.

The example below shows the difference between insurance costs with and without discounts applied to the rates. The premiums are based on a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, continuous coverage, anti-theft, paperless filing, paid-in-full, and good student discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for drivers under 21 is 28% or $609.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Female Driver No Discounts’, ‘Female Driver with Discounts’],[‘Age 18’, 3943,2831],[‘Age 30’, 1859,1349],[‘Age 40’, 1723,1249],[‘Age 50’, 1507,1095],[‘Age 60’, 1455,1057]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Drivers Under 21’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#c096ca’, ‘#e1b7ec’],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(‘qcibdisc’));chart.draw(data, options);}

Find cheap car insurance for drivers under 21 in Massachusetts

The list below shows some of the recommended money-saving ideas that can help Massachusetts drivers get more affordable car insurance.

• Home or renters coverage can save on auto insurance
• Buy vehicles with five-star safety ratings
• Maintaining good credit helps earn cheaper rates
• Drop full coverage on older vehicles
• Maintain a safe distance and avoid accidents
• Compare rates and switch if you can find a better deal

That last piece of advice is remarkably crucial, as was stressed in this write-up. Coverage prices in Massachusetts change constantly, so don’t be hesitant to switch companies if a better rate can be found. Many drivers tend to have loyalty to a certain company, but it’s not recommended if that loyalty results in overpaying several hundred dollars every year. If you have a few minutes, shop around to find cheaper insurance for drivers under 21.