Cheapest Car Insurance for Drivers Under 25 in Massachusetts

The car, truck, or SUV you are trying to insure is a large consideration when quoting affordable car insurance for drivers under 25. Vehicles with high performance, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models. The table below shows car insurance costs for some of the most cost-effective automobiles to buy coverage for.

Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in your specific Massachusetts location which can affect auto insurance rates considerably.

Based on these rates, vehicles like the Honda CR-V, Honda Accord, Chevrolet Traverse, Ford Escape, and Toyota Prius are some of the cheapest vehicles to insure for drivers age 25 and younger. Rates will tend to be higher just because there is more liability risk for drivers under 25, but in general those particular models will have the best rates compared to other types of vehicles.

For drivers age 25 and younger, one of the largest things that is looked at to help calculate car insurance rates is where you normally keep your vehicle in Massachusetts. Areas with more people or even just a higher incidence of claims like Revere, Lynn, and Malden will most likely have higher rates, whereas areas that tend to be more rural enjoy lower insurance rates.

The following table ranks the most expensive cities in Massachusetts for drivers under 25 in which to purchase auto insurance.

Price information shown is comparative as the specific area where the vehicle is garaged can change prices considerably.

Shopping around for affordable car insurance is not easy, and determining which company has the lowest-priced insurance rates for drivers under 25 requires even more work. Insurance rates will be moderately higher than the average price in Massachusetts, with the higher price attributed to the extra risk associated with offering insurance for drivers age 25 and younger, but competitive coverage may be possible if you look hard enough.

Every auto insurer has their own formula to set premium rates, so first we will examine the insurance companies with the overall cheapest rates in Massachusetts. It’s a good idea to be aware that Massachusetts insurance rates are influenced by many factors which can substantially decrease or increase the cost of having a policy. Price variation is why consumers need to take the time to shop around to find the most affordable insurance quotes for drivers under 25. Prices are determined by many risk factors and can change without notice, so the lowest-price company when you bought your policy may now be priced much higher than other options.

Find Cheaper Car Insurance for Young Drivers

Compare Rates and Save

State Farm may have some of the most affordable car insurance rates in Massachusetts at around $719 annually. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also make the cut as some of the most economical Massachusetts insurance companies.

In the above rates, if you are insured with Commerce Group and switched to National Grange Mutual, you may realize a yearly price reduction of approxmiately $112. Policyholders with Progressive could save as much as $220 a year, and Arbella insureds might reduce rates by $241 a year.

To find the cheapest car insurance for drivers under 25 in Massachusetts, click here to start your free quote or visit any of the low-priced companies below.

It’s important to note that these premium estimates are averaged across all ages of drivers and types of vehicles and and are not figured with a price increase for drivers under 25. So the car insurance company that fits your age and vehicle best may not even be featured in the rate chart shown above. That point stresses why you need to compare rates from multiple companies using your own individual information.

Picking a good quality company can be rather challenging considering how many choices you have in Massachusetts. The ranking information in the next section could help you decide which providers you want to consider when shopping car insurance rates for drivers under 25. These rankings include insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Massachusetts business are not included in this list.

Top 10 Large Auto Insurance Companies in Massachusetts Ranked by Customer Service

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

How to find economical insurance for drivers under 25

Here are a few thrifty suggestions that can help Massachusetts drivers get lower-cost auto insurance.

• Buy your homeowners policy from the same company as your auto insurance
• The safer your car, the less it costs to insure
• Accidents can significantly increase rates
• Avoid getting citations and tickets
• Avoid price increases by not filing claims
• Keep rates low by shopping around frequently

That last idea is highly necessary, as was affirmed in the prior information. Car insurance prices in Massachusetts can change considerably based on profitability, so drivers shouldn’t be reluctant to buy from a different company if a cheaper rate is available.

Many drivers have brand loyalty and that’s fine, but it’s not recommended if that devotedness results in you overpaying a small fortune year after year. It only take a few minutes to compare rates and find cheaper insurance for drivers under 25.

Best cheap insurance quotes for drivers age 25 and younger

There are a variety of different ways to find affordable insurance in Massachusetts, but the most preferred are through a captive (or exclusive) agent such as Liberty Mutual or Allstate, an independent agent, or from a direct company like Progressive or Geico.

All three ways are similar, but they are slightly different in how they give price quotes.

Independent agencies are appointed by several companies and can provide price quotes from every one. These types of agents are not locked into one company and can provide multiple price quotes, which may provide you with better odds of saving money. If premiums increase, it’s simple to move the policy without having to get a different agent.

An exclusive agent is usually just provide rates from one insurance company, for example an Auto-Owners or State Farm agent. Exclusive agents cannot quote rates from more than one company, so if the price isn’t competitive there isn’t much they can do.

If you want to buy insurance direct, you forego local insurance agents and buy buying direct from a company like Geico or Progressive. Buying insurance direct is good for people who do not need complex risk management and have a good understanding of how their policy works.

So which one of the three ways works best to buy the cheapest car insurance for drivers under 25 in Massachusetts? We would first guess that shopping direct results in the best prices since that eliminates agent commissions, but unfortunately, that is not always true. An argument could also be made that an independent agent is the best way to go due to more options, but again, that’s not accurate. And occasionally, exclusive agencies may have prices that cannot be met by either independent or direct companies.

Due to the fact that insurance rates vary so much, the only real way to find out which one is cheapest is to compare, compare, and compare some more. Be sure to get prices from all three types to have enough rates to compare. For a list of companies with cheap rates in Massachusetts, click here to view.