How Much are Car Insurance Quotes for 18 Year Olds in Massachusetts?

Wouldn’t it be so easy if we could wave our magic wand and tell you the exact company that has the cheapest rate quotes for 18 year olds? Unfortunately, it’s not that simple as there are a whole slew of unknowns like your financial responsibility, if you just need liability coverage, and if you are married or single. This article should teach you a little about the things that influence insurance rates and should give you a good start in finding the cheapest car insurance.

When shopping for the cheapest auto insurance for teen drivers, one of the many factors that control the amount you pay each year for auto insurance is your address in Massachusetts. Areas with high crime rates or more dense population like Revere, Lynn, and Springfield tend to have higher auto insurance costs, whereas areas with less congestion tend to receive cheaper rates.

The table below shows the more expensive cities in Massachusetts for 18 year olds to buy an auto insurance policy in.

Table data uses comparative as specific location information can impact insurance rates significantly.

We all like different vehicles, and the type of vehicle that needs insurance is one of the primary factors when consumers are trying to find cheap car insurance for 18 year olds in Massachusetts. Vehicles with higher performance characteristics, a lack of advanced safety features, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The data below showcases auto insurance rates for a handful of the most budget-friendly automobiles to insure.

Table data represents single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in zip code location which can affect price quotes substantially.

Table data represents single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower rates considerably.

Data based on single male driver age 18, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in the specific area where the vehicle is garaged which can modify premiums noticeably.

Deciphering which company quotes the most affordable insurance rates for 18 year olds will involve a little more effort than just comparing a company or two. Every car insurance company uses a different method for establishing rates, so to begin we’ll rank the most affordable insurance companies in Massachusetts.

It’s important that readers know that Massachusetts insurance rates are impacted by many factors which can substantially change the policy premium. Simply turning a year older, buying a different home, or getting a reckless driving citation may generate price changes that can make some companies cheaper than competitors.

Cheap Insurance Rates for Teens

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State Farm offers some of the most affordable car insurance rates in Massachusetts at around $733 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also some of the lowest-priced Massachusetts auto insurance companies.

In the above example, if you currently buy coverage from National Grange Mutual and switched to State Farm, you may realize an annual premium reduction of roughly $74. Massachusetts drivers with GEICO may save as much as $109 a year, and Commerce Group customers might cut rates by $151 a year.

Bear in mind that those policy prices are averaged across all drivers and vehicles in Massachusetts and are not factoring in a price surcharge for 18 year olds. So the insurer that can offer you the best rate may not even be in the company chart above. That’s why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Finding the best auto insurance company can be rather challenging considering how many companies provide coverage in Massachusetts. The company rank data in the lists below could help you choose which car insurance companies to look at when comparing rates.

These rankings only include companies that insure vehicles across America, so companies with more of a regional focus will not be included in these rankings. To get rate quotes from the insurers below and more, click this link.

Top 10 Major Auto Insurance Companies in Massachusetts Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Allstate – A+
6. The Hartford – A+
7. Progressive – A+
8. Esurance – A+
9. Safeco Insurance – A
10. Farmers Insurance – A

Top 10 Major Auto Insurance Companies in Massachusetts Ranked by Value

1. The Hartford
2. Farmers Insurance
3. Safeco Insurance
4. AAA Insurance
5. State Farm
6. Travelers
7. Progressive
8. American Family
9. GEICO
10. Liberty Mutual

Discounts on Massachusetts car insurance rates

Insurance providers that offer cheap car insurance for 18 year olds in Massachusetts could also offer premium discounts that may potentially lower prices by as much as 35% or more if you qualify. The best insurance companies and a partial list of their discounts are included below.

The example below illustrates the difference between insurance premiums with and without discounts being applied to the rates. The information is based on a male driver, no claims, a clean driving record, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with continuous coverage, paid-in-full, anti-theft, good student, paperless filing, and passive restraint discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for 18 year olds is % or $.

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Cheapest car insurance: State Farm, Allstate, Geico, or Progressive

If you’re looking for the best car insurance for teen drivers in Massachusetts, four good companies to start with are State Farm, Allstate, Geico, and Progressive. The data below breaks down ratings and policy coverage options offered by each one.