Best Cheap Car Insurance Quotes for Teenagers in Massachusetts

Figuring out which companies offer the lowest-priced auto insurance rates for teenagers will involve a bit more work than just comparing rates from one or two companies.

Every insurance provider uses a different method for determining rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Massachusetts. It’s important to understand that Massachusetts auto insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Simply having another birthday, buying a home, or having an at-fault accident can trigger changes in premium that may make certain companies cheaper than competitors.

Best Car Insurance Prices for Teens

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State Farm may offer some of the best car insurance rates in Massachusetts at around $719 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also be considered some of the more affordable Massachusetts insurance companies.

In the above rates, if you buy coverage from Commerce Group and switched to National Grange Mutual, you could realize savings of in the neighborhood of $95. Policyholders with OneBeacon may save as much as $96 a year, and Progressive customers might lower prices by $212 a year.

To find out how your current rates compare, click here to start your custom quote or visit several of the following companies.

These policy prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a rate increase for teenagers. So the car insurance company that can offer you the best rate may not even be shown in the list of companies shown earlier. That’s why you need to get quotes using your own driver data and vehicle information.

For Massachusetts drivers, one of the considerations that car insurance companies use to calculate the amount you pay for auto insurance is where you keep your vehicle in Massachusetts. Areas that are more densely populated like Revere, Lynn, and Malden tend to pay higher rates, whereas less populated areas can boast about having cheaper rates.

The information below shows the highest-priced places in Massachusetts for teenagers to buy an auto insurance policy in.

Rate quotes are comparative as the specific area where the vehicle is garaged can decrease or increase prices considerably.

Auto insurance rates are higher with tickets and accidents

The common sense way to obtain the best cheap car insurance for teenagers in Massachusetts is to drive attentively and avoid accidents and violations. The illustration below shows how violations and at-fault fender-benders impact insurance costs for different age groups. The rates are based on a single male driver, comp and collision included, $250 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’, 2993,3563,5661],[‘Age 30’, 1573,2143,4241],[‘Age 40’, 1545,2115,4217],[‘Age 50’, 1407,1977,4073],[‘Age 60’, 1361,1933,4029],[‘Age 70’, 1655,2225,4327]]);var options = {title: ‘Impact of Tickets and Claims on Massachusetts Insurance Premiums’,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 previous chart, the average cost of auto insurance in Massachusetts per year with a clean driving record and no accidents is $1,756. Get written up for two speeding tickets and the average cost rises to $2,326, an increase of $570 each year. Now get two accidents along with the two speeding tickets and the 12-month cost of auto insurance for teenagers goes up to an average of $4,425. That’s an increase of $2,669, or $222 per month, just for not driving attentively!

The diagram below illustrates how choosing a deductible can increase or decrease insurance premiums when researching cheap insurance for teenagers. The rate quotes are based on a married female driver, full coverage, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 2813,2575,2307,2051],[‘Age 30’, 1965,1793,1597,1411],[‘Age 40’, 1945,1777,1587,1407],[‘Age 50’, 1705,1561,1399,1243],[‘Age 60’, 1625,1485,1329,1179],[‘Age 70’, 1761,1611,1447,1289]]);var options = {title: ‘Effect of Higher Deductibles on Car Insurance Rates in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},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);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

As shown above, a 30-year-old driver could save $358 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $538 by using a $1,000 deductible. Even younger drivers, such as the Age 20 example, could roll back prices up to $762 annually just by using higher deductibles. If you do make the decision to raise your deductibles, it will be important to have enough spare savings to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Find the best cheap car insurance for teenagers in Massachusetts

Lowering your rates is not difficult, and here are a few money-saving solutions that can help drivers buy lower-cost coverage.

• Do not file small claims
• Do not get into accidents
• Buy safe vehicles
• Serious violations like DUI or careless driving can make car insurance unaffordable
• Better credit scores save money
• Comparison shop at least once a year

The final tip is incredibly critical, as we pointed out in the prior article. Coverage rates fluctuate considerably, so you should be ready to change insurance companies if you can save money. Having brand loyalty is commendable, but it’s not a great idea if it’s costing you thousands of dollars over the life of your policy. In less than five minutes you could compare prices to find cheaper car insurance for teenagers.