Who Has Affordable Boston Car Insurance for Drivers with Good Credit?

For financially responsible drivers, one of the more important components that aid in calculating insurance cost is where you live in Boston. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.

The following table shows the most expensive cities in Massachusetts for drivers with good credit to purchase a policy in. Boston makes the list at #7 with an annual cost of $1,752 for the average insurance policy, which is approximately $146 monthly.

How much is auto insurance in Boston, MA?
Rank City Annual Rate
1 Revere $2,192
2 Brockton $2,080
3 Lynn $1,920
4 Lawrence $1,896
5 Malden $1,879
6 Springfield $1,851
7 Boston $1,752
8 New Bedford $1,698
9 Worcester $1,678
10 Fall River $1,649
11 Medford $1,638
12 Somerville $1,616
13 Lowell $1,557
14 Quincy $1,534
15 Chicopee $1,515
16 Weymouth $1,491
17 Haverhill $1,468
18 Cambridge $1,461
19 Framingham $1,432
20 Brookline $1,428
21 Taunton $1,412
22 Waltham $1,395
23 Peabody $1,378
24 Methuen $1,348
25 Newton $1,310
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Annual rates are approximated as specific location information can impact insurance rates greatly.

The car, truck, or SUV requiring coverage is probably the largest consideration that determines whether or not you find low-cost car insurance for drivers with good credit. Vehicles with high performance, poor passenger safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.

The list below ranks auto insurance rates for a handful of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Boston, MA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 4WD $1,350
Honda Accord EX-L 4-Dr Sedan $1,468
Toyota Prius $1,497
Honda CR-V EX-L 4WD $1,512
Toyota RAV4 2WD $1,601
Chevrolet Silverado LS Regular Cab 4WD $1,622
Ford Explorer Limited AWD $1,630
Volkswagen Jetta 2.0T 4-Dr Sedan $1,717
Nissan Altima Hybrid 4-Dr Sedan $1,726
Ford Edge SEL AWD $1,764
Chevrolet Impala LS $1,770
Dodge Grand Caravan Crew $1,787
Ford F-150 Lariat Super Cab 2WD $1,794
Chevrolet Malibu Hybrid $1,803
Chevrolet Equinox LT 2WD $1,809
Hyundai Elantra Blue 4-Dr Sedan $1,814
Toyota Camry Hybrid $1,835
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific location which can revise auto insurance rates considerably.

By looking at the data, you can figure that makes and models like the Ford Escape, Honda Accord, Toyota Prius, and Honda CR-V should be a few of the most affordable vehicles to insure for financially responsible drivers.

Price comparison of only insuring for liability

Saving on auto insurance is probably important to the majority of drivers, and one of the easiest ways to lower the cost of insurance for drivers with good credit is to only pay for liability coverage. The chart below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Massachusetts. The data assumes no claims or driving citations, $100 deductibles, marital status is single, and no discounts are factored in.

As an overall average, full coverage costs an extra $2,612 per year over and above liability coverage. A very common question is if paying for full coverage is worth it. There is no exact formula to drop physical damage coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.

There are some cases where removing full coverage is not financially feasible. If you haven’t satisfied your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should keep full coverage on your policy.

Buying coverage from a high-quality car insurance provider can be difficult considering how many different companies there are to choose from in Boston. The company information in the lists below may help you choose which insurers you want to consider purchasing a policy from. These ratings are only made up of major nationwide insurance companies, so smaller companies that only insure vehicles in Massachusetts are not factored into this list.

Best Auto Insurance Companies for Drivers with Good Credit in Massachusetts
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
The Hartford 88 96 91 93% A+ 92.6
Progressive 84 94 99 90% A+ 92.4
Travelers 84 93 100 87% A++ 92.3
State Farm 84 93 95 87% A++ 91
Farmers Insurance 87 92 90 85% A 90.6
Safeco Insurance 85 91 87 86% A 88.4
USAA 71 93 98 87% A++ 88
GEICO 73 93 95 85% A++ 87.1
Liberty Mutual 72 91 97 83% A 86.4
AAA Insurance 85 85 88 86% A 85.8
Allstate 69 92 92 83% A+ 84.4
American Family 77 96 80 85% A 83.8
Esurance 70 80 89 77% A+ 79.2
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Data Source: Insure.com Best Car Insurance Companies

Discount Boston auto insurance

Save on auto insurance for financially responsible drivers in BostonCar insurance companies that offer coverage for drivers with good credit may also give you rate discounts that could lower prices by 40% or more if you qualify for them. A few of the larger companies and some of the premium reductions they offer are detailed below.

The chart below shows the comparison of insurance premiums with and without discounts applied to the premium. The premiums assume a male driver, no accidents, no driving violations, Massachusetts state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, passive restraint, vehicle safety, defensive driving course, multiple vehicle, and claim-free discounts applied. In this example, the average amount saved each year on auto insurance for drivers with good credit is 28% or $653.

How to find cheaper car insurance for drivers with good credit

The list below details some thrifty ideas that can help Boston drivers locate lower-cost car insurance.

The last tip is particularly significant, as was emphasized in the article above. Prices can change significantly in a year, so don’t hesitate to buy a policy from a new company if a better deal can be had. Being loyal to a particular company is commendable, but it’s not a great idea if that faithfulness ends up costing you lots of hard earned cash every month. It only take a few minutes to compare prices and find cheaper auto insurance for drivers with good credit in Boston.

If you prefer to have a consultation when buying car insurance for drivers with good credit, the agents listed below can most likely provide answers to your questions and help you determine which auto insurance policy would work best for you.

To locate a Boston car insurance agency closest to you, click the button at the bottom of the list.

More Boston, MA insurance agents