Who Has the Cheapest Auto Insurance for 16 Year Olds in Massachusetts?

When shopping for the cheapest auto insurance for new drivers, one of the many criteria that help determine the price you pay for insurance is where your car is garaged in Massachusetts. Areas that are more densely populated or have higher claim rates like Revere, Lynn, and Springfield tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims generally benefit from lower auto insurance rates.

The illustration below ranks the higher priced cities in Massachusetts for 16 year olds to purchase auto insurance in.

Rate quotes are approximated as specific Massachusetts zip code can raise or lower coverage rates considerably.

The cost and performance of the vehicle on the policy is one of the largest factors in finding the cheapest car insurance for 16 year olds in Massachusetts. Vehicles with limited top-end speed, modern passenger safety features, or a low likelihood of having liability claims will cost less to insure than higher performance models. The tables below shows auto insurance costs for a number of the more afforable automobiles to buy coverage for.

Data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in zip code location which can alter auto insurance rates considerably.

Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific location which can alter rates considerably.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in garaging location in Massachusetts which can revise prices greatly.

Locating cost effective car insurance is not the easiest thing to accomplish, and figuring out which company has the cheapest car insurance rates for 16 year olds may require even more perseverance. Premiums should be quite a bit higher than the average price in Massachusetts attributed to the potential for higher claims associated with offering coverage for new drivers, but competitive insurance should be achievable with a little diligence. Each company uses a slightly different approach for establishing rates, so first let’s look at the rankings for the lowest cost car insurance companies in Massachusetts.

Cheapest Insurance Rates for Teens

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State Farm offers some of the most affordable car insurance rates in Massachusetts at around $719 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the cheapest Massachusetts insurance companies.

As depicted above, if you currently have coverage with Commerce Group and switched to National Grange Mutual, you may see an annual premium reduction of around $52. Insureds with OneBeacon could save as much as $53 a year, and Progressive policyholders might lower prices by up to $166 a year.

To find out how much you can save, click here to get quotes or quote rates from the companies below.

It’s important to note that these estimates are averaged for all ages of drivers and types of vehicles and do not factor in a rate increase for 16 year olds. So the car insurance company that is most affordable for your situation may not even be in the list of companies above. That illustrates why you need to compare rates from as many companies as possible using your own driver data and vehicle information.

Allstate, Geico, State Farm, or Progressive: Which is best?

When it comes to buying auto insurance for new drivers in Massachusetts, four companies to consider are Allstate, Geico, State Farm, and Progressive. If you add them together, they insure nearly half of all policies written. The table below shows some of the ratings and options that may be available in your state.