Cheapest Car Insurance Quotes for Safe Drivers in Massachusetts

I’m sure you’ve seen the ads from insurers like Farmers and Progressive claiming huge savings. So you should just choose the one with the most memorable commercial, right?

Regrettably, it’s not quite that easy, as there are many unknowns like your prior traffic citations, whether or not you are married, whether you are a man or a woman, and your age, that all impact the cost of coverage. We will try to teach you about the best ways to find cheap car insurance and will hopefully give you a good start to your coverage search.

When buying auto insurance for good drivers, one of the key factors used to determine auto insurance rates is your zip code in Massachusetts. Regions with larger populations or more claims like Revere, Lynn, and Lawrence tend to pay higher rates, whereas areas with less congestion enjoy lower auto insurance rates.

The information below sorts the highest-priced areas in Massachusetts for safe drivers to buy car insurance in.

Premium costs are approximated as the specific Massachusetts residence address can change auto insurance rates substantially.

Comparing rates for low-priced insurance is difficult, and figuring out which companies offer the best auto insurance rates for safe drivers calls for even more shopping around. Insurance premiums will probably be moderately cheaper than the average policy in Massachusetts, with the lower cost attributed to the posibility of fewer claims that goes along with selling coverage for good drivers. Cost-effective insurance should be easy to buy with minimal effort.
Each company has a proprietary method to determine premium rates, so first let’s look at the rankings for the most affordable auto insurance companies in Massachusetts.

It’s important that you understand Massachusetts auto insurance rates are based on many factors that control the cost of your policy. Simply turning a year older, moving across town, or having an at-fault accident may cause policy rate changes resulting in some rates now being cheaper than before.

Best Insurance Companies for Safe Drivers

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State Farm offers some of the most affordable car insurance rates in Massachusetts at around $733 each year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the most economical Massachusetts car insurance companies.

In the above rates, if you are insured with OneBeacon and switched to National Grange Mutual, you might realize an annual premium reduction of upwards of $89. Massachusetts drivers with Arbella could save as much as $177 a year, and Progressive customers might lower prices by up to $206 a year.

Remember that these policy rates are averages for all types of insureds and vehicles and are not factoring in a price decrease for safe drivers. So the auto insurance company that has the lowest price for you may not even be in the list of companies above. That affirms the importance of why you need to compare prices as often as possible using your own individual information.

Insurance rate increases from tickets or accidents

In a perfect world, the best way to maintain the cheapest auto insurance for safe drivers in Massachusetts is to be a careful driver and have a clean driving record. The illustration below highlights how traffic violations and at-fault collisions can impact insurance premiums for each age group. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.

In the chart above, the average cost of car insurance in Massachusetts per year with no violations or accidents is $2,265. Receive one speeding ticket and the average cost increases to $2,568, an increase of $303 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for safe drivers jumps again to an average of $5,170. That’s an increase of $2,905, or $242 per month, just for being a careless driver!

Which major car insurance company is best?

When comparing auto insurance for good drivers, four companies to definitely compare rates with are Geico, Progressive, State Farm, and Allstate. All four can cover your vehicle for liability and physical damage, but each one has a unique set of features, discounts, and options that drivers can select from. The following table breaks down some of the different options and features shoppers can expect to find with each one.

Find the cheapest auto insurance for safe drivers in Massachusetts

Here are some of the better money-saving ideas that can help Massachusetts drivers locate more affordable car insurance.

• Increase your credit score
• Avoid preventable accidents
• Buy a vehicle with excellent safety ratings
• Higher physical damage deductibles lower rates
• Save money by obeying traffic laws and keeping a clean driving record
• Shop around for cheaper prices often

The last tip is incredibly significant, as we pointed out in the prior information. Rates can change considerably in a year, so drivers shouldn’t be reluctant to change insurance companies if a more affordable rate is found.

Brand loyalty is great, but is isn’t recommended if that devotedness results in you overpaying major coinage every year. It only takes a couple minutes to shop around to find cheaper auto insurance for safe drivers.