Cheapest Auto Insurance with Multiple Speeding Tickets in Massachusetts

It would sure be easy if we could just give you the name of the one best company that has the lowest rates in Massachusetts. Unfortunately, it’s just not that easy, as there are a whole bunch of unknown aspects such as if you want the added protection of full coverage, deductibles for comprehensive and collision coverage, when you were born, and if you have a spouse, that all have an effect on the price. We are going to cover these topics and also should give you a good start in finding the cheapest car insurance.

Finding good, cost effective car insurance is not easy, and finding out which companies offer the most affordable auto insurance rates with multiple speeding tickets will involve a little more work. Each auto insurer has their own guidelines to set policy rates, so let’s begin by examining the auto insurance companies that tend to have lower prices in Massachusetts.

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State Farm normally has some of the most affordable car insurance rates in Massachusetts at around $741 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the most economical Massachusetts auto insurance companies.

As shown above, if you currently have coverage with OneBeacon and switched to National Grange Mutual, you might see yearly savings of around $86. Policyholders with Progressive might save as much as $190 a year, and Arbella policyholders might see rate reductions of $231 a year.

If you would like to find the cheapest auto insurance with multiple speeding tickets in Massachusetts, click here to start your free quote or visit any of the low-priced companies below.

Be aware that those premium estimates are averaged for all types of insureds and vehicles and are not factoring in a price decrease with multiple speeding tickets. So the auto insurance company that is best for you may not even be in the above list. That emphasizes why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

After a few driving violations, one of the big factors that is used by car insurance companies to determine insurance cost is where you choose to live in Massachusetts. Areas with a lot of weather claims or more people like Revere, Lynn, and Lawrence tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The next table shows the highest-priced areas in Massachusetts with multiple speeding tickets in which to buy car insurance.

Information shown are comparative as the specific zip code location can change auto insurance rates significantly.

The type of vehicle on the policy is one of the biggest factors when shopping around for low-priced insurance with multiple speeding tickets. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.

The next table presents car insurance prices for some of the more afforable vehicles to insure.

Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Rates do not factor in vehicle garaging location which can decrease or increase prices noticeably.

By looking at the data, vehicles like the Chevrolet Impala, Chevrolet Traverse, Toyota RAV4, and Honda CR-V are likely to be some of the most affordable vehicles to insure after a few driving violations.

Illustration showing the impact of accidents and violations

The obvious way to find good auto insurance premiums in Massachusetts after a few driving violations is to drive carefully and avoid at-fault accidents and violations. The illustration below illustrates how speeding tickets and at-fault claims can impact auto insurance costs for each different age category. The premiums assume a single male driver, full physical damage coverage, $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 One Accident’],[‘Age 20’, 4091,4871,5653],[‘Age 30’, 2125,2903,3687],[‘Age 40’, 2101,2877,3661],[‘Age 50’, 1907,2689,3471],[‘Age 60’, 1847,2625,3409],[‘Age 70’, 2251,3027,3813]]);var options = {title: ‘Impact of Citations and Accidents 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);}

The data above shows the average cost of auto insurance in Massachusetts per year with no accidents or violations is $2,387. Factor in two speeding tickets and the average cost increases to $3,165, an increase of $778 each year. Then include one accident along with the two speeding tickets and the 12-month cost of auto insurance with multiple speeding tickets jumps again to an average of $3,949. That’s an increase of $1,562, or $130 per month, just for not maintaining a clean driving record!

Discounts on the cheapest auto insurance with multiple speeding tickets in Massachusetts

Insurers that offer quotes with multiple speeding tickets may additionally offer special discounts that can lower rates by 35% or more if you meet eligibility requirements. A few of the larger companies and a selection of discounts are included below.

• GEICO has discounts for driver training, good student, membership and employees, five-year accident-free, defensive driver, military active duty, and anti-lock brakes.
• MetLife may offer discounts for claim-free, defensive driver, good driver, good student, accident-free, multi-policy
• Progressive offers discounts for homeowner, continuous coverage, multi-vehicle, online quote discount, multi-policy, online signing, and good student.
• Travelers has savings for early quote, multi-policy, new car, payment discounts, student away at school, and good student.
• SAFECO offers discounts including accident prevention training, drive less, homeowner, multi-car, and safe driver.
• AAA offers premium reductions for pay-in-full, AAA membership discount, multi-car, education and occupation, good driver, and good student.

The information below illustrates the comparison of insurance rates with and without policy discounts. The prices are based on a male driver, no accidents and two citations, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple policy, paid-in-full, multiple vehicle, passive restraint, paperless filing, and vehicle safety discounts applied. When drivers qualify for the discounts, the the amount saved on auto insurance with multiple speeding tickets is 28% or $952.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 5283,3795],[‘Age 30’, 3101,2243],[‘Age 40’, 3097,2237],[‘Age 50’, 2891,2089],[‘Age 60’, 2827,2037],[‘Age 70’, 3259,2345]]);var options = {title: ‘Comparison of Insurance Rates with Multiple Speeding Tickets’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],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);}

Which auto insurance company is best?

If you want reliable auto insurance after a few driving violations in Massachusetts, some of the largest companies to start with are Allstate, State Farm, Progressive, and Geico. The next table illustrates ratings for price and service, as well as some optional coverages that are available.