Cheapest Auto Insurance Quotes for Uninsured Drivers in Massachusetts

The words “cheap” and “insurance” probably shouldn’t be used together, specifically when trying to find the cheapest auto insurance for uninsured drivers. Because it’s so expensive, let’s introduce you to some of the things that determine auto insurance premiums, and come up with some ideas to take the sting out of your next policy.

Finding dependable, affordable car insurance is not most people’s favorite thing to do, and figuring out which insurers offer the cheapest auto insurance rates for uninsured drivers will require a bit more work. Each insurer uses slightly different criteria to determine rates, so let’s begin by taking a look at the auto insurance companies that tend to be cheaper in Massachusetts.

It’s important to understand that Massachusetts auto insurance rates are calculated based on many things that control the policy premium. Getting older, having a claim, or getting a ticket for running a stop sign can trigger rate changes that may make certain companies more affordable than competitors.

Best Auto Insurance Prices in Massachusetts

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State Farm may have some of the cheapest car insurance rates in Massachusetts at around $733 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the more affordable Massachusetts auto insurance companies.

In the above example, if you buy coverage from National Grange Mutual and switched to State Farm, you could earn yearly savings of in the neighborhood of $98. Insureds with GEICO may save as much as $135 a year, and Commerce Group policyholders might reduce rates by $142 a year.

Bear in mind that those premiums are averaged across all types of insureds and vehicles and are not factoring in a price decrease for uninsured drivers. So the insurer that fits your age and vehicle best may not even be included in the list of companies shown earlier. That affirms the importance of why you need to get auto insurance quotes using your own specific driver and vehicle information.

The make and model of vehicle you are buying coverage for is one of the largest factors that determines the availablility of the cheapest car insurance for uninsured drivers in Massachusetts. Vehicles with reasonable performance levels, good crash test ratings, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models. The tables below outlines insurance costs for some of the most economical automobiles to buy coverage for.

Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Price information does not factor in specific location which can lower or raise prices substantially.

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle location which can alter auto insurance rates substantially.

Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in specific location which can increase or decrease coverage rates greatly.

State Farm, Allstate, Geico, and Progressive: Who is best?

When shopping for auto insurance, the first places to look would be State Farm, Allstate, Geico, and Progressive. When added together, they insure nearly half of all car insurance policies in America. The data below compares and contrasts pricing and service ratings, plus some optional coverages that are available for buyers.