Best Cheap Car Insurance Quotes for a 20 Year Old Female in Massachusetts

Best Cheap Car Insurance Quotes for a 20 Year Old Female in Massachusetts

When shopping for cheaper auto insurance for young women, one of the many components that determine the price you pay for insurance is where you keep your car in Massachusetts. Areas with more people or even just a higher incidence of claims like Revere, Malden, and Springfield will most likely pay more, whereas less populated areas generally have lower rates.

The following table illustrates the priciest cities in Massachusetts for 20 year old women to buy auto insurance in.

Where does Massachusetts rank for car insurance cost?
Rank City Average Per Year
1 Revere $2,127
2 Brockton $2,080
3 Malden $1,936
4 Lynn $1,920
5 Springfield $1,870
6 Lawrence $1,839
7 Boston $1,752
8 Worcester $1,746
9 New Bedford $1,698
10 Somerville $1,665
11 Fall River $1,649
12 Medford $1,590
13 Quincy $1,549
14 Lowell $1,527
15 Weymouth $1,491
16 Chicopee $1,455
17 Framingham $1,446
18 Cambridge $1,446
19 Haverhill $1,424
20 Peabody $1,420
21 Methuen $1,403
22 Brookline $1,400
23 Taunton $1,397
24 Waltham $1,354
25 Newton $1,350
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Rate information is approximated as specific Massachusetts garaging address can affect prices considerably.

Cost and performance of the vehicle you are insuring is probably the largest consideration when looking for the best cheap car insurance for 20 year old women in Massachusetts. Vehicles with high performance engines, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than safer models.

The information below outlines insurance premiums for the more afforable vehicles to insure.

Insurance Rates for Popular Cars in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $2,024 $1,012 $169
Ford Fusion Sport AWD 4-Dr Sedan $2,294 $1,147 $191
Hyundai Elantra SE Touring Station Wagon $1,846 $923 $154
Hyundai Sonata SE 4-Dr Sedan $2,294 $1,147 $191
Kia Optima LX $2,184 $1,092 $182
Toyota Camry LE $2,024 $1,012 $169
Toyota Corolla S $2,134 $1,067 $178
Volkswagen Jetta 2.0T Station Wagon $1,980 $990 $165
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Data based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific garaging location which can increase or decrease premium rates substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance 4WD $2,184 $1,092 $182
BMW X5 4.8I AWD $2,320 $1,160 $193
Chevrolet Traverse LT AWD $1,870 $935 $156
Ford Escape XLT 2WD $1,712 $856 $143
Ford Explorer XLT AWD $1,916 $958 $160
GMC Acadia SL 2WD $1,890 $945 $158
Honda CR-V LX 4WD $1,712 $856 $143
Honda Pilot Touring 2WD $2,048 $1,024 $171
Hyundai Tucson GLS 4WD $1,916 $958 $160
Jeep Grand Cherokee SRT-8 4WD $2,158 $1,079 $180
Lexus RX 350 4WD $2,454 $1,227 $205
Nissan Pathfinder LE 4WD $2,048 $1,024 $171
Toyota Highlander Sport 4WD $2,048 $1,024 $171
Toyota RAV4 Sport 4WD $2,024 $1,012 $169
Volvo XC90 V8 AWD $2,294 $1,147 $191
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Data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific location which can affect rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in Massachusetts
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $2,210 $1,105 $184
Chevrolet Silverado LS Regular Cab 2WD $2,050 $1,025 $171
Dodge Ram 2500 Crew Cab ST 4WD $2,344 $1,172 $195
Dodge Ram Quad Cab ST 4WD $2,208 $1,104 $184
Ford F-150 XL Regular Cab 4WD $1,916 $958 $160
Ford F-250 XL Crew Cab Turbo Diesel 2WD $2,454 $1,227 $205
GMC Sierra 2500HD SLT Crew Cab 4WD $2,268 $1,134 $189
GMC Sierra 3500HD SLE Regular Cab 4WD $2,600 $1,300 $217
GMC Sierra SL Crew Cab 4WD $2,158 $1,079 $180
Toyota Tundra SR/5 Crew Max 4WD $2,344 $1,172 $195
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Prices based on single female driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in Massachusetts location which can change premiums considerably.

Deciding which insurers offer the best auto insurance rates for 20 year old women calls for a little more effort in order to find the most economical policy. Every insurance company has a unique approach to determine premium rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Massachusetts.

Best Cheap Insurance Rates for Women Age 20

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Cheapest auto insurance in Massachusetts ranked by cost per year
Rank Company Cost Per Year
1 State Farm $733
2 National Grange Mutual $799
3 GEICO $842
4 OneBeacon $876
5 Commerce Group $911
6 Progressive $999
7 Arbella $1,030
8 USAA $1,066
9 Norfolk and Dedham $1,068
10 Amica $1,131
11 Quincy Mutual $1,281
12 Vermont Mutual $1,297
13 Travelers $1,310
14 Safety Group $1,312
15 Hanover $1,399
16 MetLife $1,439
17 Peerless $1,457
18 Plymouth Rock $1,556
19 Allstate $1,755
20 Liberty Mutual $1,789
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State Farm offers some of the cheapest car insurance rates in Massachusetts at around $733 a year. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also be considered some of the more affordable Massachusetts car insurance companies.

In the rate table above, if you currently buy coverage from OneBeacon and switched to State Farm, you might realize an annual premium reduction of approxmiately $143. Customers with Commerce Group might save as much as $178 a year, and Progressive policyholders might reduce prices by as much as $266 a year.

These estimates are averages across all insureds and vehicles and do not take into consideration a rate surcharge for 20 year old women. So the insurer that is best for you may not even be featured in the chart above. That’s why you need to compare rates from multiple companies using your own driver data and vehicle information.

The example below demonstrates how deductibles can raise or lower insurance costs when searching for cheap insurance for 20 year old women. The premiums assume a married male driver, comprehensive and collision coverage, and no other discounts are factored in.

The data above shows that a 40-year-old driver could save $232 a year by increasing from a $100 deductible to a $500 deductible, or save $352 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could potentially save $772 or even more by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it is necessary to have enough spare savings to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.

Company comparison: Progressive vs Geico vs Allstate vs State Farm

When it comes to buying car insurance for young women in Massachusetts, the four most popular companies are Progressive, Geico, Allstate, and State Farm. All offer your standard physical damage and liability coverages, but each one has a unique set of features, discounts, and options that may influence your buying decision. The data below compares price, claims, and customer service ratings, as well as some optional coverages that are available for policyholders.

Car Insurance Companies Compared
Progressive Geico Allstate State Farm
Discounts Available 4th 2nd 1st 3rd
Price Ranking 3rd 1st 4th 2nd
Customer Satisfaction 3rd 1st 2nd 4th
Handling of Claims 4th 3rd 1st 2nd
Percent of U.S. market 8.8% 11.4% 10% 18.3%
A.M. Best rating A+ A++ A+ A++
Emergency roadside assistance Yes Yes Yes Yes
Accident forgiveness coverage Yes Yes Yes No
Coverage for Uber and Lyft drivers Yes Yes Yes Yes
Rate for vehicle usage Yes No Yes Yes
New car replacement insurance No No Yes No
Breakdown insurance Yes Yes No No
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How to find the best cheap car insurance for 20 year old women in Massachusetts

The list below details some of the recommended money-saving ideas that can help you find lower-cost car insurance.

  • Buying your home and auto policies from the same company can earn a discount
  • Avoid filing small claims
  • Older vehicles may not need full coverage
  • Raise comprehensive and collision coverage deductibles
  • Improve your credit
  • Vehicles with good safety ratings are usually cheaper to insure
  • Shop your coverage around for the best deal

The last idea is notably crucial, as was affirmed in this piece. Coverage prices in Massachusetts change a lot, so drivers shouldn’t be reluctant to buy a different policy if a better deal can be had.

Having a favorite company is fine, but it isn’t a good idea if that devotedness results in you overpaying hundreds of dollars a year. Take a couple minutes and shop around to find cheaper insurance for 20 year old women.