Best Cheap Car Insurance After a Speeding Ticket in Massachusetts

This would be a much quicker read if we could just tell you the one company that has the cheapest coverage in Massachusetts. It’s just not that easy, however, as there are a whole bunch of unknown aspects like if your vehicle is for work or personal use, if you own the home you live in, your financial stability, and the area you live in, that all impact the price you pay. This article will cover the best ways to avoid overpriced car insurance and also should give you a solid foundation to find cheaper car insurance.

Cost and performance of the vehicle needing coverage is a large factor when comparing quotes for the best cheap car insurance after a speeding ticket in Massachusetts. Vehicles with limited speed and performance, a great safety record, or a positive history of liability claims will cost much less to insure than higher performance models.

The next tables features insurance rates for some of the cheapest automobiles to buy insurance for.

Data assumes single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Rates do not factor in specific zip code location which can increase or decrease prices noticeably.

Cost estimates assume single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, and homeowner. Information does not factor in specific location information which can alter prices considerably.

Data variables include single female driver age 40, two speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, and claim-free. Rate information does not factor in zip code location which can decrease or increase auto insurance rates noticeably.

After a few driving violations, one of the more important components that is used by car insurance companies to determine the amount you pay for auto insurance is where you live in Massachusetts. Densely populated urban areas like Revere, Lynn, and Lawrence tend to pay more, whereas areas with less crime or weather claims benefit from lower coverage costs.

The illustration below illustrates the most expensive places in Massachusetts after a speeding ticket to buy car insurance in.

Rate quotes are estimated as specific Massachusetts garaging address can impact price quotes noticeably.

Finding decent, low-cost auto insurance is confusing at best, and figuring out which company quotes the cheapest insurance rates after a speeding ticket takes even more rate comparisons. Every car insurance company has their own guidelines for setting prices, so we need to take a look at the insurance companies with the most affordable rates in Massachusetts.

It’s important to understand that Massachusetts insurance rates are determined by lots of factors that will increase or decrease the cost of your policy. Turning one year older, buying a home instead of renting, or getting a ticket for running a stop sign can trigger price changes that can make some companies much cheaper than others.

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State Farm may offer some of the best car insurance rates in Massachusetts at around $741 annually. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also qualify as some of the most economical Massachusetts auto insurance companies.

As shown in the rates above, if you currently have coverage with National Grange Mutual and switched to State Farm, you could realize a yearly savings of approxmiately $90. Policyholders with GEICO may save as much as $109 a year, and OneBeacon policyholders might cut rates by $135 a year.

If you would like to find the best cheap car insurance after a speeding ticket in Massachusetts, click here to begin a quote or click through to the companies below.

It’s important to note that these rates are averages for all ages of drivers and types of vehicles and do not factor in a price discount after a speeding ticket. So the company that has the lowest price for you may not even be included in the chart above. That point stresses why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

The information below illustrates how choosing a deductible can raise or lower insurance costs when searching for cheap insurance after a speeding ticket. The premiums assume a married male driver, comp and collision included, and no discounts are taken into consideration.

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The data above shows that a 30-year-old driver could reduce rates by $258 a year by changing from a $100 deductible to a $500 deductible, or save $392 by using a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could drop their prices up to $772 or even more by choosing larger deductibles on their policy.

When choosing a higher deductible, it will be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Illustration showing the impact of accidents and violations

In a perfect world, the ideal way to enjoy affordable insurance rates in Massachusetts after a few driving violations is to be a safe driver and maintain a clean driving record. The illustration below demonstrates how speeding tickets and accidents increase car insurance rates for different ages of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and Two Accidents’],[‘Age 20’, 3605,4281,6945],[‘Age 30’, 1867,2541,5203],[‘Age 40’, 1837,2513,5175],[‘Age 50’, 1675,2351,5013],[‘Age 60’, 1627,2301,4965],[‘Age 70’, 2009,2683,5347]]);var options = {title: ‘Effect of Tickets and Claims on Massachusetts Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of car insurance in Massachusetts per year with no accidents and a clean driving record is $2,103. Receive two speeding tickets and the average cost surges to $2,778, an increase of $675 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance after a speeding ticket goes up to an average of $5,441. That’s an increase of $3,338, or $278 per month, just for not driving carefully!

Progressive vs State Farm vs Geico vs Allstate

If you’re looking for the cheapest auto insurance after a few driving violations in Massachusetts, four of the best places to start are Progressive, State Farm, Geico, and Allstate. The table below compares and contrasts ratings and policy coverage options that are available for customers.