Who Has the Cheapest Car Insurance for Infrequent Drivers in Massachusetts?

When shopping for the cheapest car insurance for low mileage drivers, one of the many components that car insurance companies use to determine insurance cost is where you live. More populated areas like Revere, Lynn, and Malden are more likely to pay higher prices, whereas more rural areas have the luxury of the cheapest auto insurance for infrequent drivers in Massachusetts.

The illustration below sorts the most expensive cities in Massachusetts for infrequent drivers to purchase auto insurance in.

Rate information is approximated as specific Massachusetts zip code can change rates considerably.

Comparing rates for reasonably-priced insurance is tough enough, and deciding which company quotes the cheapest auto insurance rates for infrequent drivers will take additional perseverance. Each auto insurer uses a different method to determine rates, so let’s begin by taking a look at the most affordable auto insurance companies in Massachusetts.

Cheap Insurance Rates in Massachusetts

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State Farm may have some of the best car insurance rates in Massachusetts at around $711 annually. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also make the cut as some of the cheapest Massachusetts car insurance companies.

As depicted above, if you have coverage with OneBeacon and switched to State Farm, you might achieve a yearly price reduction of upwards of $165. Massachusetts drivers with Commerce Group could save as much as $200 a year, and Progressive insureds might cut rates by $278 a year.

To see how much you can save, click here to start your free quote or feel free to get quotes from the companies below.

These rates are averaged for all drivers and vehicles in Massachusetts and and are not figured with a price decrease for infrequent drivers. So the auto insurance company that has the cheapest rates for you may not even be shown in the chart above. That’s why you need to compare prices as often as possible using your own driver data and vehicle information.

Impact of violations and accidents on rates

A great way to snag affordable auto insurance rates for low mileage drivers is to be a cautious driver and not receive tickets or have accidents. The information below shows how violations and at-fault claims impact insurance costs for different age groups of insureds. The data is based on a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 3605,3875,6303],[‘Age 30’, 1867,2137,4563],[‘Age 40’, 1837,2107,4537],[‘Age 50’, 1675,1945,4377],[‘Age 60’, 1627,1895,4323],[‘Age 70’, 2009,2279,4709]]);var options = {title: ‘Effect of Citations and Accidents on Massachusetts Car Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Massachusetts’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous chart, the average cost of a car insurance policy in Massachusetts per year with no accidents and a clean driving record is $2,103. Receive one speeding ticket and the average cost surges to $2,373, an increase of $270 each year. Then include two accidents along with the one speeding ticket and the annual cost of auto insurance for infrequent drivers goes up to an average of $4,802. That’s an increase of $2,699, or $225 per month, just for not being more responsible behind the wheel!

The example below shows how different deductible levels can affect insurance costs when searching for cheap insurance for infrequent drivers. The data is based on a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawDfdqcibChart);function drawDfdqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘$100 Deductible’,’$250 Deductible’,’$500 Deductible’,’$1,000 Deductible’],[‘Age 20’, 3811,3475,3103,2755],[‘Age 30’, 1981,1803,1603,1411],[‘Age 40’, 1901,1739,1555,1377],[‘Age 50’, 1741,1593,1425,1267],[‘Age 60’, 1713,1565,1401,1245],[‘Age 70’, 1973,1815,1637,1471]]);var options = {title: ‘Effect of Higher Deductibles on Car Insurance Prices in Massachusetts’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 700,’chartArea’: {left:100,top:50,’width’: ‘100%’,’height’: ‘80%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},bar: {groupWidth: ‘80%’},colors: [‘#6791b9′,’#75a8d8′,’#98bee2′,’#bad4ec’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);formatter.format(data,4);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdfd’));chart.draw(data, options);}

A 40-year-old driver could pocket $316 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $474 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, can cut $1,056 or even more just by using higher deductibles.

If you do make the decision to raise your deductibles, it’s a good idea to have additional funds squirreled away to be able to cover the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.