Least expensive Automobile Insurance coverage in Massachusetts

In accordance with knowledge from Quadrant Data Companies, Massachusetts’ common annual charges for each minimal and full protection exceed the nationwide averages. That makes it probably the most costly states for automobile insurance coverage. Nevertheless, you may nonetheless save in your coverage by purchasing round. At all times examine at the very least three corporations to get the very best automobile insurance coverage quote.

Least expensive Automobile Insurance coverage Corporations in Massachusetts

Relying on what you may afford, chances are you’ll wish to select between minimum- and full-coverage insurance coverage. Full protection will give you extra safety than minimum-coverage insurance coverage, which is why it prices extra. In case you can’t afford that, minimal protection presents the most affordable automobile insurance coverage you will get.

When you have an auto mortgage, your lender in all probability requires you to have a full-coverage coverage with state-minimum automobile insurance coverage and collision and complete protection.

Least expensive Minimal-Protection Automobile Insurance coverage in Massachusetts

In accordance with our knowledge, The Hanover Insurance coverage Group gives the most affordable minimum-liability insurance coverage in Massachusetts. Its common charges of $36 per thirty days or $434 per 12 months are a lot decrease than the nationwide averages of $53 per thirty days or $635 per 12 months. Allstate and Amica are shut alternate options for the most affordable minimum-coverage insurance coverage within the state.

These averages are based mostly on a 35-year-old with a clear driving file.

Least expensive Full-Protection Automobile Insurance coverage in Massachusetts

Primarily based on our knowledge, Progressive presents the most affordable full-coverage auto insurance coverage in Massachusetts at a mean of $160 per thirty days or $1,922 per 12 months. That’s 11% above the nationwide common of $144 per thirty days or $1,730 per 12 months. The Hanover Insurance coverage Group and Amica observe behind Progressive.

Low cost Automobile Insurance coverage in Massachusetts

In most states, age is a giant think about figuring out insurance coverage charges as a result of inexperienced drivers are thought-about riskier. Whereas Massachusetts solely permits age to be factored into charges if a driver is 65 or older, anybody’s driving file and years of expertise can nonetheless be thought-about.

Least expensive Automobile Insurance coverage for Younger Drivers in Massachusetts

Usually, the much less expertise a driver has, the steeper their automobile insurance coverage charges shall be. In Massachusetts, teen drivers value extra to insure every month on common. Most insurance coverage suppliers take into account youngsters to be high-risk drivers due to their lack of expertise and their higher chance of getting in accidents. The extra driving expertise folks get, the decrease the typical premium tends to be.

Take into consideration placing your teenage driver on a household coverage because it’s often cheaper than a teen having their very own auto insurance coverage coverage. To additional decrease your premium, ask your insurance coverage agent about automobile insurance coverage reductions for good college students or for taking a driver’s training course.

Least expensive Massachusetts Automobile Insurance coverage for 16-Yr-Olds

For 16-year-old drivers in Massachusetts, Geico is often the most affordable selection for full protection. Its common fee of $553 per thirty days is over $100 cheaper per thirty days than different corporations’ averages. Amica and Vacationers provide the subsequent lowest charges for 16-year-olds.

Least expensive Massachusetts Automobile Insurance coverage for 17-Yr-Olds

Whereas automobile insurance coverage charges typically lower barely from ages 16 to 17, auto insurance coverage continues to be costly for 17-year-olds. Geico nonetheless ranks as the most affordable automobile insurance coverage choice for Massachusetts drivers on this age group at a mean of $525 per thirty days or $6,296 per 12 months for full protection. Vacationers and Amica are the subsequent most cost-effective corporations.

Least expensive Massachusetts Automobile Insurance coverage for 18-Yr-Olds

Geico is available in at No. 1 for the most affordable full-coverage automobile insurance coverage for 18-year-olds in Massachusetts. It prices a mean of $501 per thirty days or $6,007 per 12 months for this age group. Vacationers and The Hanover Insurance coverage Group additionally provide common charges underneath $600 per thirty days.

Least expensive Massachusetts Automobile Insurance coverage for 21-Yr-Olds

As soon as drivers flip 21 in Massachusetts, charges often go down considerably. Geico is essentially the most inexpensive insurance coverage firm for 21-year-olds in Massachusetts, costing a mean of $298 per thirty days or $3,581 per 12 months for full protection. Progressive and The Hanover Insurance coverage Group observe Geico as the most affordable suppliers.

Least expensive Massachusetts Automobile Insurance coverage for 25-Yr-Olds

As soon as drivers flip 25 years previous, charges are inclined to drop once more. Progressive is the most affordable full-coverage choice for drivers this age, with a mean value of $174 per thirty days or $2,093 per 12 months. Amica and Geico are available second and third place, respectively.

Least expensive Massachusetts Automobile Insurance coverage for Excessive-Danger Drivers

Excessive-risk drivers are inclined to pay greater auto insurance coverage charges due to issues like dashing, operating cease indicators, being at fault for accidents, or getting DUIs. Automobile insurance coverage corporations decide charges based mostly on driving historical past, so that you’ll seemingly pay extra for protection if in case you have any of these things in your driving file.

Within the following tables, the typical charges are based mostly on full-coverage insurance coverage for a 35-year-old male driver.

Least expensive Massachusetts Automobile Insurance coverage for Drivers With a Latest Accident

We discovered that Progressive usually presents the very best charges for Massachusetts drivers with a latest accident, coming in at a mean of $271 per thirty days or $3,248 per 12 months for full protection. Following Progressive’s most cost-effective charges are Geico and Amica.

Least expensive Massachusetts Automobile Insurance coverage for Drivers With a Rushing Ticket

Any time you get a dashing ticket, you danger getting an costly enhance in insurance coverage charges. In accordance with our knowledge, Geico is usually the most affordable firm for Massachusetts drivers with a dashing ticket. Its common charges are $214 per thirty days or $2,573 per 12 months for full protection.

Least expensive Massachusetts Automobile Insurance coverage for Drivers With a DUI

Auto insurance coverage corporations elevate charges once you get a DUI or DWI. We discovered that Progressive presents the bottom common charges for Massachusetts drivers with a DUI, sitting at $215 per thirty days or $2,579 per 12 months.

Common Price of Automobile Insurance coverage in Massachusetts

Massachusetts drivers pay about $2,647 annually on common for full-coverage automobile insurance coverage, which is about 53% greater than the nationwide common of $1,730 per 12 months. Drivers within the state pay about $873 per 12 months on common for state-minimum auto insurance coverage. That’s 37% greater than the nationwide common of $635 per 12 months. These charges are based mostly on a 35-year-old driver with a superb driving file.

Massachusetts Automobile Insurance coverage Price by Age

Within the desk beneath, it’s notable that common full-coverage automobile insurance coverage charges in Massachusetts usually lower as drivers age. The one time they enhance is when drivers flip 75.

Massachusetts Automobile Insurance coverage Price by Metropolis

Insurers pay shut consideration to your ZIP code and metropolis. For instance, auto insurance coverage in Newton is cheaper than in Brockton on common.

*Common charges above apply to the highest three corporations in every metropolis.

Elements That Have an effect on Massachusetts Automobile Insurance coverage Charges

Many elements go into figuring out your automobile insurance coverage premium. In Massachusetts, these embody:

ZIP code
Driving file
Automobile make, mannequin and mannequin 12 months
Protection degree

Not like many different states, Massachusetts doesn’t permit automobile insurance coverage corporations to make use of the next info to set charges:

Age (apart from folks 65 or older)
Credit score historical past
Dwelling possession
Marital standing
Gender

Massachusetts Automobile Insurance coverage Necessities

In Massachusetts, drivers will need to have auto insurance coverage. The regulation requires you to purchase private damage safety (PIP), bodily damage legal responsibility protection, property injury legal responsibility protection, and uninsured motorist protection.

As a result of Massachusetts is a no-fault state, your PIP protection will cowl medical payments and sure associated bills for the next folks irrespective of who brought about the automobile accident:

You
Your passengers
Members of your family
Anybody you permit to drive your automobile
Pedestrians

In Massachusetts, PIP protection consists of medical payments, as much as 75% of misplaced wages, and substitute providers as much as an $8,000 protection restrict. This protection is required within the Bay State.