2021 Greatest Low cost Auto Insurance in Massachusetts – Motley Idiot
If you're behind the wheel in Massachusetts, you need auto insurance. While the state's average annual premiums are pretty reasonable, it is possible to get an even better deal by finding the cheapest auto insurance in Massachusetts. Here are some of the top companies to consider based on several common driver profiles.
- Cheapest for Typical Drivers: Plymouth Rock Assurance
- Most affordable for drivers with previous accidents: Plymouth Rock Assurance
- The cheapest for drivers with previous tickets: Geico
- Cheapest for young drivers: Plymouth Rock Assurance
- The cheapest for senior drivers: Geico
- Most affordable for drivers looking for minimal coverage: Plymouth Rock Assurance
Cheapest for Typical Drivers: Plymouth Rock Assurance
The typical driver in Massachusetts pays about $ 1,564 a year for insurance. This is based on the profile of a 35 year old driver with a clean record. That's pretty affordable already, but drivers who choose Plymouth Rock Assurance can get the same coverage for around $ 606 a year.
Other companies that offer low-cost auto insurance for typical drivers in Massachusetts include:
- Geico, where drivers with clean records pay an average of about $ 624 a year
- Arbella Insurance, which charges average annual premiums of $ 1,246 for typical drivers
Most affordable for drivers with previous accidents: Plymouth Rock Assurance
Plymouth Rock Assurance is also one of the top auto insurance companies in Massachusetts for drivers with a single accident on record. While the state average for these drivers is $ 2,597 per year, Plymouth customers average only about $ 897 per year.
Drivers with imperfect records should also consider the following Massachusetts auto insurance providers:
- Geico, which is just behind Plymouth at $ 923 a year
- Arbella Insurance, which charges drivers in a single accident an average of about $ 1,663 per year
The cheapest for drivers with previous tickets: Geico
Drivers with a speeding ticket pay approximately $ 1,983 annually for their auto insurance in Massachusetts. However, Geico offers these customers an average annual premium of $ 694 per year.
The following insurers also offer affordable Massachusetts auto insurance deals to drivers with prior parking tickets:
- Plymouth Rock Assurance, where drivers pay around $ 880 a year
- Arbella Insurance, which charges about $ 1,369 a year to drivers with a speeding ticket
Cheapest for young drivers: Plymouth Rock Assurance
Teenagers and young drivers pay much more than their older colleagues. An 18-year-old with a clean driving report pays about $ 4,716 on average for auto insurance in Massachusetts. Plymouth Rock Assurance was once again the cheapest provider, offering these drivers an average premium of $ 1,262 per year.
The following companies also offer affordable auto insurance for teenage drivers in Massachusetts:
- Geico, where a typical 18-year-old pays about $ 1,709 a year on average
- Travelers charging teenagers about $ 3,351 a year on average
The cheapest for senior drivers: Geico
Older drivers only pay about $ 1,272 a year for their auto insurance in Massachusetts. But those who choose Geico could only pay $ 406 a year.
These companies also offer some of the best auto insurance in Massachusetts for seniors:
- Plymouth Rock Assurance, which charges a typical 65 year old driver about $ 512 a year with a clean record
- Arbella Insurance, which pays around $ 939 annually for senior drivers
Most affordable for drivers looking for minimal coverage: Plymouth Rock Assurance
Massachusetts minimum insurance averages a fairly affordable $ 520 per year. But it is possible to get this coverage a lot cheaper with Plymouth Rock Assurance. It only charges customers about $ 205 a year on average.
Motorists in Massachusetts can also get cheap motor vehicle liability insurance from these companies:
- Geico, where the minimum coverage averages around $ 288 per year
- The Hanover, where Massachusetts auto insurance costs at least about $ 347 a year
Average cost of auto insurance in Massachusetts compared to the national average
How much does auto insurance cost in Massachusetts? It depends on many factors. Your driving history, your location in the state, and your vehicle all play a role in determining your auto insurance rates.
The average annual auto insurance premium in Massachusetts is $ 1,972, which is well below the national average of $ 2,646 per year. But many drivers can clearly outperform the national average if they choose the right provider.
Automobile Insurance Laws in Massachusetts
Here are some Massachusetts automobile insurance laws that all drivers should be familiar with:
Massachusetts is a flawless auto insurance state
Massachusetts is a flawless state. This means that after an accident, every driver claims his medical expenses with his own insurance company. This is different from fault states where the driver found to be at fault pays medical expenses for all parties involved.
Insurers cannot credit you for socio-economic factors
Massachusetts law prohibits insurers from considering gender, marital status, education, income, race, or creditworthiness when determining auto insurance rates. This is a big plus for certain groups of drivers, such as men and those with poor credit ratings. These drivers pay more for car insurance in states that do not have these restrictions.
Consequences for Driving Without Insurance in Massachusetts
Drivers who do not have at least the minimum insurance in Massachusetts could face the following consequences:
- Fines up to $ 5,000
- Driver's license and vehicle registration blocked for up to one year
- Up to a year in prison
Massachusetts minimum coverage requirements
All drivers must have at least the following Massachusetts auto insurance:
Liability insurance for personal injury
Massachusetts drivers must have at least the following:
- $ 20,000 personal injury liability insurance
- $ 40,000 personal injury liability insurance per accident
Liability insurance for property damage
Drivers must also have property damage liability insurance of at least $ 5,000 to cover any damage they cause to someone else's property.
Personal Protection (PIP)
All drivers must have at least $ 8,000 personal protection to pay for their medical expenses if they are injured in an accident.
Uninsured motorist protection
Drivers must have uninsured motorist insurance for $ 20,000 per person and $ 40,000 per accident. This protects the policyholder if he is hit by an uninsured driver.
How To Get Cheap Auto Insurance In Massachusetts
Drivers trying to find the cheapest insurance in Massachusetts should do the following:
- Compare offers from several insurers. Each company has its own risk assessment formula, which is why drivers get different car insurance quotes from each insurer. The only way to find out which one has the best deal is to get offers from a handful of companies and compare them side by side.
- Take advantage of all possible discounts. Discounts can help qualified drivers save on their Massachusetts auto insurance premiums. Each insurer has its own discounts, some of which are applied automatically, while others require the driver to sign up.
- Go with a higher deductible. Deductibles are the expenses a driver incurs when making an insurance claim. As a rule, an increase in the deductible lowers the monthly premiums.
Other things to consider when looking for auto insurance in Massachusetts
Here are a few other things to consider when purchasing auto insurance in Massachusetts:
Motorists may want more insurance coverage for uninsured motorists
Massachusetts has the second lowest uninsured driver rate in the country, largely due to the serious consequences of driving without insurance. However, the minimum coverage may not be sufficient to protect drivers in the event of a major accident. Consider buying more than the state minimum for that extra sense of security.
State minimum insurance does not protect your vehicle
Massachusetts minimum car insurance helps people pay their medical bills in the event of an accident. However, there is no insurance cover for the policyholder's own vehicle. Drivers interested in this should consider adding collision and full coverage to their policy.