Cheap Insurance Quotes for Used Cars in Massachusetts

Performance level and cost of the vehicle you are seeking coverage for is a large factor when shopping for cheap insurance for used cars in Massachusetts. Vehicles with lots of horsepower, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than safer models. The tables below features auto insurance prices for a selection of the most affordable automobiles to insure.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific Massachusetts garaging location which can lower or raise premiums greatly.

Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Price information does not factor in vehicle location which can revise rates noticeably.

Price data assumes single 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, safe-driver, and claim-free. Rate information does not factor in vehicle garaging location which can lower or raise insurance rates significantly.

Finding low-priced insurance is difficult, and finding out which companies quote the best car insurance rates for used cars takes even more perseverance. Every auto insurer has their own unique process for determining rates in each state, so we’ll go over the car insurance companies with the overall best prices in Massachusetts.

It’s important to know that Massachusetts car insurance rates are based on many factors that can increase the cost of a policy. Events such as a birthday, having a teen driver, or having an accident can trigger price changes resulting in some rates now being more expensive than competitors.

Best Insurance Companies for Used Cars

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State Farm quotes some of the cheapest 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 more affordable Massachusetts insurance companies.

In the above example, if you currently have a policy with GEICO and switched to State Farm, you may realize annual savings of approxmiately $149. Policyholders with OneBeacon may save as much as $157 a year, and Commerce Group policyholders might lower prices by up to $165 a year.

Understand that those policy rates are averages for all ages of drivers and types of vehicles and and are not figured with a price discount for used cars. So the car insurance company that can offer you the lowest price may not even be featured in the list of companies above. That point stresses why you need to get rate quotes using your own driver information and specific vehicle type.

One of the key things that impact the amount you pay for auto insurance is where you keep your vehicle. Cities with more crime and/or more people like Revere, Lynn, and Malden will most likely pay more, whereas areas with less traffic congestion and claims receive better rates.

The table below sorts the most costly cities in Massachusetts for used cars to buy car insurance in.

Rate information is estimated as the specific area where the vehicle is garaged can impact auto insurance rates greatly.

The illustration below shows how choosing a deductible can impact insurance rates when researching cheap insurance for used cars. The price estimates are based on a married male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could lower their policy premium by $316 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $474 by changing to a $1,000 deductible. Young drivers, like the age 20 example, can cut $1,056 each year by using higher deductibles when buying full coverage.

When using a larger deductible, it is important to have emergency funds available to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

Company comparison: Allstate vs Geico vs Progressive vs State Farm

If you are looking for the best auto insurance for pre-owned vehicles in Massachusetts, four good companies to start with are Allstate, Geico, Progressive, and State Farm. Between them, they make up almost half of all car insurance policies in America. They all have a little bit different set of discounts and options that add value to each policy. The data below compares some of the different options and features .