Who Has Cheap Car Insurance for Welfare Recipients in Massachusetts?

Who Has Cheap Car Insurance for Welfare Recipients in Massachusetts?

We all have different tastes in cars, and the vehicle that needs insurance is a significant factor that determines whether or not you can buy cheap car insurance for welfare recipients in Massachusetts. Vehicles with high performance features, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than more modest models.

The information below ranks car insurance rates for the most economical vehicles to insure.

Insurance Rates for Popular Cars in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SES 2-Dr Coupe $1,138 $569 $95
Ford Fusion Sport AWD 4-Dr Sedan $1,194 $597 $100
Honda Civic DX 2-Dr Coupe $1,164 $582 $97
Kia Optima SX $1,164 $582 $97
Nissan Altima 2.5 S 2-Dr Coupe $1,164 $582 $97
Toyota Camry LE $1,014 $507 $85
Toyota Corolla XLE $1,078 $539 $90
Volkswagen Jetta S 2.5 Station Wagon $946 $473 $79
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Price information does not factor in specific Massachusetts garaging location which can revise price quotes considerably.

Auto Insurance Rates for Popular SUVs and Crossovers in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LTZ AWD $972 $486 $81
Ford Escape Limited 2WD $884 $442 $74
Ford Expedition Limited 2WD $1,036 $518 $86
Ford Explorer Limited AWD $1,040 $520 $87
GMC Acadia SL 2WD $924 $462 $77
GMC Terrain SLT 2WD $1,036 $518 $86
Honda CR-V EX-L 2WD $884 $442 $74
Honda Pilot Touring 2WD $1,040 $520 $87
Jeep Grand Cherokee Limited 4WD $1,104 $552 $92
Kia Sportage LX 4WD 4-Dr $1,014 $507 $85
Lexus RX 350 2WD $1,254 $627 $105
Toyota 4Runner SR/5 4WD $972 $486 $81
Toyota Highlander 2WD $952 $476 $79
Toyota RAV4 Sport 4WD $1,014 $507 $85
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in garaging location in Massachusetts which can change price quotes noticeably.

Insurance Rates for Popular Pickup Trucks in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $986 $493 $82
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $1,194 $597 $100
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,132 $566 $94
Chevrolet Silverado LT Extended Cab 2WD $1,074 $537 $90
Dodge Ram 2500 Crew Cab ST 2WD $1,164 $582 $97
Dodge Ram Crew Cab SLT 2WD $1,100 $550 $92
Ford F-150 Lariat King Ranch 2WD $1,104 $552 $92
Ford F-250 King Ranch Crew Cab 4WD $1,246 $623 $104
GMC Sierra SLT Extended Cab 2WD $1,104 $552 $92
Toyota Tundra SR/5 Crew Max 2WD $1,074 $537 $90
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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific location which can alter insurance rates noticeably.

Trying to buy cheap insurance is not easy, and deciding which insurers offer the most affordable insurance rates for welfare recipients will take even more shopping around. Every car insurance company has a different process to establish rates, so we need to take a look at the insurance companies with the most affordable rates in Massachusetts.

Best Auto Insurance Prices in Massachusetts

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Cheapest Massachusetts auto insurance companies
Rank Company Cost Per Year
1 State Farm $719
2 National Grange Mutual $823
3 GEICO $842
4 Commerce Group $875
5 OneBeacon $912
6 Progressive $1,019
7 Arbella $1,030
8 USAA $1,066
9 Norfolk and Dedham $1,068
10 Amica $1,109
11 Vermont Mutual $1,297
12 Quincy Mutual $1,320
13 Travelers $1,336
14 Hanover $1,345
15 Safety Group $1,366
16 MetLife $1,411
17 Peerless $1,442
18 Plymouth Rock $1,588
19 Liberty Mutual $1,736
20 Allstate $1,808
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State Farm may have some of the most affordable car insurance rates in Massachusetts at around $719 annually. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also rank well as some of the lowest-priced Massachusetts car insurance companies.

As shown in the rates above, if you currently buy coverage from National Grange Mutual and switched to State Farm, you could realize annual savings of approxmiately $104. Customers with GEICO could save as much as $123 a year, and Commerce Group customers might reduce rates by $156 a year.

Remember that these policy rates are averaged across all drivers and vehicles and and are not calculated with a price discount for welfare recipients. So the auto insurance company that fits your situation best may not even be shown in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own specific driver and vehicle information.

When shopping for insurance for drivers on welfare, one of the many considerations that control the amount you pay each year for auto insurance is your zip code in Massachusetts. Regions with more people or even just more weather-related claims like Revere, Springfield, and Lawrence tend to have more expensive auto insurance rates, whereas more rural areas tend to receive cheaper rates.

The next table lists the more expensive cities in Massachusetts for welfare recipients to buy auto insurance in.

How much does auto insurance cost in Massachusetts?
Rank City Average Per Year
1 Revere $2,213
2 Brockton $2,143
3 Springfield $1,927
4 Lynn $1,920
5 Lawrence $1,896
6 Malden $1,860
7 Boston $1,788
8 New Bedford $1,750
9 Fall River $1,700
10 Worcester $1,678
11 Somerville $1,665
12 Medford $1,622
13 Quincy $1,596
14 Lowell $1,573
15 Cambridge $1,491
16 Weymouth $1,491
17 Chicopee $1,470
18 Haverhill $1,424
19 Taunton $1,412
20 Brookline $1,400
21 Waltham $1,395
22 Framingham $1,390
23 Peabody $1,378
24 Methuen $1,361
25 Newton $1,350
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Premium costs are approximated as the specific geographic location can raise or lower rates significantly.

Does full coverage make sense?

Finding cheap car insurance for welfare recipients in Massachusetts should be important to the majority of vehicle owners, and one of the fastest ways to reduce the cost of insurance is to buy liability only. The diagram below shows the difference between auto insurance rates with full coverage and liability only. The rates are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied.

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As an average for all age groups, physical damage coverage on your policy costs $2,103 per year more than buying just liability insurance. At some point, every insured wonders when is it a good idea to stop buying full coverage. There isn’t a written rule that is best for determining when to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

There are a few situations where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not drop full coverage.

Find cheap car insurance for welfare recipients in Massachusetts

The list below shows some of the recommended thrifty ideas that can help Massachusetts drivers locate cheaper coverage.

  • Increase physical damage deductibles
  • Do not get into accidents that are your fault
  • Higher credit ratings may save you money
  • Full coverage is expensive so only insure older vehicles for liability only
  • Safer vehicles generally have cheaper insurance rates
  • Tickets and violations raise rates
  • Compare rates once a year for cheaper prices

The last tip is particularly vital, as was discussed in this write-up. Coverage prices in Massachusetts can change significantly in a year, so don’t be tentative to switch companies if a more affordable price is available.

Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty ends up costing a small fortune year after year. If you have a few minutes, compare rates and find cheaper insurance for welfare recipients.