Who Has the Cheapest Insurance Quotes for Drivers with Good Credit in Massachusetts?

Whenever people write about car insurance, the word “cheap” should not be used as a descriptor for auto insurance rates. It’s just a fact that cheap auto insurance for drivers with good credit does not exist. But don’t despair, because we will teach you how you can still find coverage that is affordable.

The make and model of vehicle you are seeking coverage for is one of the biggest factors that determines the availablility of the cheapest insurance for drivers with good credit in Massachusetts. Vehicles with lower performance, excellent safety ratings, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The information below ranks insurance rates for a number of the most budget-friendly automobiles to insure.

Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Premium costs do not factor in specific zip code location which can modify coverage prices noticeably.

Based on these rates, we can assume that vehicles like the Ford Escape, Chevrolet Traverse, and Honda Accord are some of the cheaper vehicles to insure for financially responsible drivers.

Deciding which companies quote the cheapest auto insurance rates for drivers with good credit takes a little more effort in order to find the lowest price quote. Each insurance company uses their own method to determine rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Massachusetts.

It’s important to know that Massachusetts auto insurance rates are impacted by many factors that will increase or decrease the policy price. Simply having a birthday, having a teenage driver, or getting a driving violation may prompt premium changes that can cause some rates to be more affordable than the competition.

Cheap Insurance Rates for High Credit

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

In the above rates, if you are a customer of OneBeacon and switched to National Grange Mutual, you could see an annual premium reduction of about $96. Customers with Commerce Group might save as much as $104 a year, and Arbella insureds might lower prices by $203 a year.

Understand that those premium estimates are averages across all drivers and vehicles in Massachusetts and are not factoring in a rate decrease for drivers with good credit. So the company that can offer you the best rate may not even be featured in the rate chart shown above. That helps illustrate why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.

Allstate, Progressive, Geico, and State Farm compared

When comparing rates for car insurance for financially responsible drivers in Massachusetts, the top insurers to get price quotes from are Allstate, Progressive, Geico, and State Farm. The data below compares ratings and policy coverage options you can expect with each one.