Farmers, Safety and Geico also have affordable auto insurance rates for Massachusetts drivers. That's almost double the price of the cheapest company, meaning you could save hundreds if you compare quotes from several car insurance companies. If you have an auto loan, your lender will probably require you to have a full-coverage policy with minimum state car insurance and comprehensive and collision coverage. Urban drivers who live in cities with a lot of traffic like Boston or Worcester tend to have the most expensive car insurance quotes.
Insurance companies increase rates for drivers who have caused a car accident because they are statistically more likely to have another accident in the future. It's important to choose the right auto insurance policy in Massachusetts, especially since the average Quadrant Information Services rates show that it is among the 10 most expensive states when it comes to car insurance. To further reduce your premium, ask your insurance agent about discounts on car insurance for good students or for taking a driver education course. In the table below, it's worth noting that the average full-coverage car insurance rates in Massachusetts generally decrease as drivers age.
Car insurance companies determine rates based on driving history, so you're likely to pay more for coverage if you have any of these items on your driving record. In Massachusetts, Geico offers the cheapest full-coverage auto insurance rates on average for young drivers ages 16, 17, 18, or 21. While car insurance rates often drop slightly between 16 and 17 years old, car insurance is still expensive for 17-year-olds. To reduce the cost of your car insurance in Massachusetts, you can increase your deductible or ask your insurer what discounts you qualify for. Hanover Insurance is the cheapest auto insurance company in Massachusetts for a minimum coverage policy.
However, only veterans, members of the armed forces, and their immediate family members are eligible for USAA car insurance.