For health professionals, one of the more important considerations that is looked at to determine rate quotes is your zip code in Massachusetts. Larger areas like Revere, Lynn, and Springfield tend to pay slightly more, whereas areas with less crime or weather claims generally pay lower car insurance rates.
The information below ranks the highest-priced areas in Massachusetts for nurses to buy an auto insurance policy in.
Rank | City | Premium Per Year |
---|---|---|
1 | Revere | $2,192 |
2 | Brockton | $2,122 |
3 | Lynn | $1,998 |
4 | Malden | $1,917 |
5 | Springfield | $1,851 |
6 | Lawrence | $1,839 |
7 | Boston | $1,788 |
8 | Worcester | $1,746 |
9 | Fall River | $1,700 |
10 | New Bedford | $1,698 |
11 | Medford | $1,638 |
12 | Somerville | $1,616 |
13 | Lowell | $1,573 |
14 | Quincy | $1,549 |
15 | Chicopee | $1,455 |
16 | Cambridge | $1,446 |
17 | Weymouth | $1,446 |
18 | Brookline | $1,442 |
19 | Taunton | $1,440 |
20 | Haverhill | $1,424 |
21 | Peabody | $1,420 |
22 | Waltham | $1,395 |
23 | Framingham | $1,390 |
24 | Methuen | $1,361 |
25 | Newton | $1,324 |
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Premium costs are estimated as the specific Massachusetts residence address can impact prices substantially.
The type of vehicle that needs insurance is probably the most important factor when trying to find cheap insurance for nurses in Massachusetts. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost much more to insure than safer, lower-performance models.
The next list presents auto insurance prices for a handful of the most cost-effective automobiles to buy insurance for.
Make, Model, and Trim Level | Estimated Cost for Full Coverage |
---|---|
Honda CR-V EX 2WD | $730 |
Hyundai Elantra GLS Touring Station Wagon | $740 |
Toyota Prius | $742 |
Ford Escape XLS 4WD | $750 |
Toyota Tacoma 4WD | $757 |
Ford Explorer Eddie Bauer 2WD | $750 |
Chevrolet Traverse LS 2WD | $770 |
Ford Edge Limited 2WD | $774 |
Hyundai Tucson Limited 4WD | $790 |
Subaru Outback 3.6R | $806 |
Subaru Forester X Premium AWP AWD | $814 |
Honda Odyssey EX W/Rear Entertainment | $846 |
Hyundai Sonata GLS 4-Dr Sedan | $848 |
Chevrolet Silverado LT Crew Cab 4WD | $856 |
Chevrolet Equinox LT 2WD | $866 |
Toyota Sienna LE AWD | $876 |
Toyota RAV4 4WD | $866 |
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Table data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Price estimates do not factor in specific location information which can influence prices significantly.
Based upon these rates, makes and models like the Honda CR-V, Hyundai Elantra, Toyota Prius, Ford Escape, and Toyota Tacoma will be the most economical vehicles to insure for health professionals.
Insurance providers that offer cheap quotes for nurses may also provide price discounts that could potentially reduce rates by as much as 40% or more if you meet specific eligibility requirements. A few of the larger companies and their possible discounts are included below.
Discount | Geico | State Farm | Allstate | Progressive | Nationwide | Farmers | Liberty Mutual |
---|---|---|---|---|---|---|---|
Bundle discount | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Multi-vehicle | Yes | Yes | No | Yes | Yes | Yes | Yes |
Theft prevention | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Safe vehicle | Yes | Yes | Yes | No | No | No | Yes |
Passive restraint | Yes | Yes | Yes | No | Yes | Yes | Yes |
Running lights | Yes | Yes | No | No | No | Yes | No |
New car | No | Yes | Yes | No | Yes | Yes | No |
Eco vehicle | No | No | Yes | No | No | Yes | Yes |
Accident-free | Yes | Yes | Yes | Yes | Yes | Yes | No |
Defensive driver | Yes | Yes | Yes | Yes | Yes | Yes | No |
Low mileage | No | Yes | Yes | Yes | Yes | No | Yes |
Military | Yes | Yes | No | Yes | No | Yes | No |
Affinity/occupation | Yes | No | No | No | Yes | Yes | Yes |
Pay in full | Yes | No | Yes | Yes | Yes | Yes | Yes |
Auto-pay | Yes | No | Yes | Yes | Yes | Yes | Yes |
Brand loyalty | No | Yes | No | Yes | Yes | Yes | No |
Early signing | No | No | Yes | No | Yes | Yes | No |
Good student | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
Student at college | No | Yes | Yes | Yes | Yes | Yes | Yes |
Own your home | No | No | No | Yes | No | Yes | No |
Use seat belts | Yes | No | No | No | No | No | No |
Online quote | No | No | No | Yes | No | No | No |
Teen driver | No | No | No | Yes | No | No | Yes |
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The information below visualizes the comparison of insurance rates with and without discounts. The premiums assume a male driver, no claims or violations, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with safe-driver, passive restraint, multiple policy, marriage, accident-free, and multiple vehicle discounts applied. When discounts are factored in, the the average amount saved on auto insurance for nurses is % or $.
If you want reliable auto insurance for health professionals in Massachusetts, four of the best places to start are State Farm, Allstate, Progressive, and Geico. When combined, they insure over 48% of the entire U.S. market share. All of them offer liability and physical damage protection, but each on has a different combination of discounts, features, and options that may affect your buying decision. The table below points out ratings for price, service, and claims, in additional to some of the optional coverages you can buy with each company.
State Farm | Allstate | Progressive | Geico | |
---|---|---|---|---|
Claims Handling | 2nd | 1st | 4th | 3rd |
Policy Discounts | 3rd | 1st | 4th | 2nd |
Price Ranking | 2nd | 4th | 3rd | 1st |
Overall Satisfaction | 4th | 2nd | 3rd | 1st |
Customers who recommend | 88% | 86% | 88% | 87% |
Rating from A.M. Best | A++ | A+ | A+ | A++ |
S&P financial rating | AA | AA- | AA | AA+ |
New car replacement coverage | No | Yes | No | No |
Uber and Lyft insurance | Yes | Yes | Yes | Yes |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
Accident forgiveness | No | Yes | Yes | Yes |
Rate for vehicle usage | Yes | Yes | Yes | No |
Breakdown insurance | No | No | Yes | Yes |
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