How Much Does Car Insurance Cost for 19 Year Olds in Massachusetts?

I’m sure you’ve seen the ads from insurers like GEICO, Farmers, and State Farm that make claims of big savings, so drivers just need to choose any of them, right?

Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements such as what level of deductibles you wish to have, your gender, whether you are single or married, and the vehicle you are insuring, that all help calculate your car insurance rates. We know insurance is not everyone’s favorite topic, but in this article we will cover the different ways to avoid overpaying and will hopefully give you some help in finding cheaper rates.

Deciding which insurers offer the cheapest car insurance rates for 19 year olds will take a little more work in order to find the lowest price. Each auto insurer uses a little different formula to establish rates, so let’s take a look at the most budget-friendly car insurance companies in Massachusetts.

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State Farm offers some of the lowest car insurance rates in Massachusetts at around $733 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also rank well as some of the best Massachusetts auto insurance companies.

In the rate table above, if you are a policyholder with Commerce Group and switched to National Grange Mutual, you could realize an annual premium reduction of approxmiately $71. Customers with OneBeacon might save as much as $72 a year, and Progressive customers might see rate reductions of $168 a year.

To compare your rates to other Massachusetts insurance companies, click here or click several companies below for low rates.

Remember that these rates are averages for all insureds and vehicles and do not take into consideration a rate increase for 19 year olds. So the insurer that can offer you the lowest price may not even be included in the above list. That is why you need to compare rates from multiple companies using your own driver and vehicle profiles.

The vehicle model on the policy is one of the main factors when consumers are trying to find cheap car insurance for 19 year olds in Massachusetts. Vehicles with economical engines, excellent safety ratings, or a low likelihood of having liability claims will cost quite a bit less to insure than higher performance models. The next list outlines insurance premiums for some of the most budget-friendly automobiles to buy insurance for.

Table data represents single female driver age 19, no speeding tickets, no at-fault accidents, $500 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.

Based upon the rates shown, we can assume that cars like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Honda Accord are likely to be the most affordable vehicles to insure for teenage drivers. The cost of auto insurance will tend to be more expensive because of the fact that there is more inherent risk for 19 year olds, but in general those models will most likely have the lowest insurance rates compared to all other vehicles.

When buying insurance for teenage drivers, one of the key considerations that control the annual cost of car insurance is where you normally keep your vehicle in Massachusetts. Areas that are densely populated or have higher claim frequency like Brockton, Lynn, and Lawrence are more likely to have higher rates, whereas areas with less people or fewer weather incidents have the enjoyment of a little cheaper coverage.

The table below ranks the highest-priced places in Massachusetts for 19 year olds to purchase car insurance in.

Rates are approximated as specific location information can increase or decrease auto insurance rates noticeably.

The diagram below demonstrates how deductible levels can change yearly insurance costs when searching for cheap insurance for 19 year olds. The data assumes a married male driver, full coverage, and no policy discounts are applied.

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A 30-year-old driver could lower their policy premium by $258 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $392 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, can save up to $772 or more by using a higher deductible. When using a larger deductible, it is a good idea to have additional savings on hand to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.

Is the best company Geico, Progressive, Allstate, or State Farm?

If you are looking for the best car insurance, four companies to consider are Geico, Progressive, Allstate, and State Farm. Between them, they insure almost 50% of all car insurance policies written. They all have your normal coverages like liability, comprehensive, and collision, but each one offers unique features and discounts that policyholders can choose from. The table below compares and contrasts pricing and service ratings, as well as optional policy coverages that are available.