See NerdWallet's guide to the minimum car insurance requirements by state to learn how the key parts of your Massachusetts auto policy work and how to select coverage limits for your situation. Working with a licensed insurance agent can help you identify how much car insurance you need in Massachusetts. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. For more help finding cheap coverage in Massachusetts, use NerdWallet's car insurance comparison tool.
Even so, drivers in Massachusetts with bad credit tend to pay about 67% more for car insurance with full coverage than drivers with excellent credit, according to data from Insurify. Insurance companies cannot use age and gender as factors in Massachusetts car insurance rates. Older drivers in Boston can find the cheapest car insurance rates with Citizens, GEICO and Safety, depending on the coverage they want. Car insurance is a major purchase, but finding cheap car insurance in Massachusetts isn't always easy.
Boston drivers looking for cheap car insurance should start by getting quotes from Citizens, Safety and GEICO. This can be good news for drivers with average or low credit, although drivers with excellent credit won't get any benefit from their credit rating on car insurance rates in Massachusetts. As with gender, Massachusetts prohibits insurance providers from considering their marital status in underwriting decisions for auto insurance policies. Each make and model of vehicle has its own construction quality and safety features, which each car insurance company will review and evaluate differently.
Drivers in their 30s can get lower rates by comparing prices and taking advantage of discounts on car insurance. Although most states in the country consider credit scores in car insurance rates, Massachusetts isn't one of them. However, Massachusetts requires four types of insurance, which is probably one of the reasons why drivers in the Bay State pay more for car insurance than the national average.