Cheap Auto Insurance Quotes for Drivers with Accidents in Massachusetts

Trying to buy low-cost car insurance is not the easiest thing to do, and deciding which company quotes the lowest-priced auto insurance rates for drivers with accidents takes a bit more work. Insurance premiums will more than likely be moderately higher than the state average because of the higher likelihood of claims related to selling coverage for drivers with at-fault accidents, but economical insurance should be possible if you carefully shop around. Every auto insurer uses a little different formula for determining rates in each state, so we’ll go over the most budget-friendly auto insurance companies in Massachusetts.

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State Farm normally has some of the best car insurance rates in Massachusetts at around $733 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the more affordable Massachusetts car insurance companies.

As the example above demonstrates, if you currently have coverage with Commerce Group and switched to State Farm, you may see savings of in the vicinity of $142. Policyholders with OneBeacon could save as much as $152 a year, and Arbella insureds might reduce prices by as much as $267 a year.

To find cheap auto insurance for drivers with accidents in Massachusetts for your vehicle, click here to begin a quote or click through to the companies below.

Remember that these rates are averages across all ages of drivers and types of vehicles and are not factoring in a price increase for drivers with accidents. So the auto insurance company that can offer the best rates for your situation may not even be in the above list. That affirms the importance of why you need to quote rates from many companies using your own personal information and vehicle type.

One of the more important criteria that determine auto insurance rates is where you normally keep your vehicle in Massachusetts. Areas with more people like Revere, Lynn, and Springfield tend to have higher rates, whereas areas that are not as densely populated generally benefit from lower car insurance rates.

The illustration below ranks the highest-priced places in Massachusetts for drivers with accidents in which to purchase auto insurance.

Prices are comparative as specific location information can lower or raise coverage prices substantially.

The make and model of vehicle you are seeking coverage for is a large factor when comparing quotes for low-cost insurance for drivers with accidents. Vehicles with more horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The list below showcases auto insurance costs for a handful of the cheapest automobiles to buy coverage for.

Data based on single female driver age 30, no speeding tickets, two at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Massachusetts which can decrease or increase auto insurance rates significantly.

Based on these rates, you can presume that makes and models like the Ford Escape, Honda Accord, Hyundai Tucson, Toyota Tacoma, and Honda CR-V are most likely going to be some of the most affordable vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will be more costly because of the fact that there is a higher risk for drivers with accidents, but generally speaking those particular models will have the least expensive rates compared to other types of vehicles.

Difference between liability only and full coverage rates

Finding cheap auto insurance for drivers with accidents in Massachusetts is important to the majority of people, and one of the quickest ways to buy cheaper insurance is to only buy liability insurance. The example below shows the comparison of insurance costs with and without physical damage coverage. The premium estimates are based on no accidents, no driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

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Averaged out for all age groups, full coverage costs an extra $2,612 per year more than insuring for liability only. That is a significant amount which raises the question if buying full coverage is worth the expense. There isn’t a written rule for phasing out full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $8,000 after the deductible is paid. If you are paying more than $800 annually for physical damage coverage, then you may want to consider only buying liability coverage.

There are some conditions where buying only liability insurance is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not eliminate full coverage.

Does Progressive, Allstate, State Farm, or Geico have the cheapest car insurance?

When comparing rates for car insurance for drivers with at-fault accidents in Massachusetts, the most popular companies are Progressive, Allstate, State Farm, and Geico. The table below illustrates some of the different options shoppers can find with each company.

Cheapest insurance quotes for drivers with at-fault accidents

Drivers have a lot of ways to find affordable auto insurance in Massachusetts, but the most preferred ways are using a non-exclusive or independent agent, an exclusive insurance agency such as Allstate or Liberty Mutual, or direct from companies such as Geico or Progressive. You can use whichever method you prefer, but it’s important to point out the distinctions in how they work.

Independent agencies are appointed by several companies and can quote your policy with all of them. These types of agencies are appointed with more than one company and can provide you with more rates, which may provide you with the best idea of how your rates compare. If they quote lower rates, they can switch companies in-house which prevents you from having to find an new insurance agent.

Exclusive agencies are only able to place business with a single insurance company such as Liberty Mutual and Allstate agents. Exclusive agents are unable to give you multiple price quotes, so you need to shop around if the rates are high.

Buying direct means you skip a local agent and instead shop from a direct company like Geico or Esurance. Buying direct can be good for families who do not need high amounts of coverage and have some degree of understanding of what limits they need.

So what is the best way for finding cheap auto insurance for drivers with accidents in Massachusetts? The majority of people assume that buying from a direct company yields the cheapest rates because you bypass the agent, but that turns out to not be true. We could also say that buying from an independent agent results in the cheapest rates due to increased selection, but that assumption is also not accurate. For the right applicant, exclusive agencies have price quotes that are well below what direct and independents offer.

Since auto insurance companies use so many rating factors, the best way to ensure you are not overpaying is to compare, compare, and compare some more. To find the best rates, be sure to get prices from all three to have a good selection of rates to choose from. We compiled a list of companies with some of the cheapest online rates that you can click here to view.