Locating cheap car insurance is difficult, and figuring out which insurers offer the most affordable auto insurance rates for handicapped drivers may require even more shopping around. Each insurer has a proprietary formula for determining rates, so first let’s look at the rankings for the most budget-friendly auto insurance companies in Boston, MA.
It’s a good idea to be aware that Boston, MA auto insurance rates are based on many factors that may substantially change your annual premium. This price variation is why consumers need to compare rates when trying to find affordable car insurance rates for handicapped drivers. Insurance prices are influenced by many different factors and change substantially, so the most economical company the last time you shopped your coverage around may now be priced much higher than other options.
Lowest Insurance Price Quotes in Massachusetts
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$831|
|7||Norfolk and Dedham||$1,036|
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State Farm may offer some of the lowest car insurance rates in Boston at around $733 per year. This is $502 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also are some of the lowest-priced Boston, MA car insurance companies.
As the rates illustrate above, if you currently buy coverage from National Grange Mutual and switched to State Farm, you may realize savings of approximately $98. Massachusetts drivers with GEICO could save as much as $135 a year, and OneBeacon insureds might see rate reductions of $152 a year.
These policy rates are averages for all ages of drivers and types of vehicles and do not take into consideration a vehicle location for handicapped drivers. So the auto insurance company that fits you best may not even be in the top 21 companies shown above. That point stresses why you need to get rate quotes using your own specific driver information and vehicle.
For drivers with handicaps, one of the more important components that are looked at to determine the amount you pay for auto insurance is where you call home in Boston. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The table below lists the most expensive places in Massachusetts for handicapped drivers to buy car insurance in. Boston makes the list at #8 with an annual premium of $1,735 for the average insurance policy, which is about $145 each month.
|Rank||City||Premium Per Year|
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Annual rates are approximated as specific Boston garaging address can increase or decrease auto insurance rates greatly.
The vehicle model requiring coverage is a significant factor in finding cheap car insurance for handicapped drivers. Vehicles with high performance features, poor passenger safety features, or a track record of large liability claims will cost more to insure than more modest models. The list below ranks insurance rates for a selection of the most affordable automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,387|
|Honda CR-V EX-L 2WD||$1,552|
|Ford Escape XLT 2WD||$1,565|
|Chevrolet Malibu LS||$1,639|
|Toyota Camry LE||$1,646|
|Nissan Altima 2.5 4-Dr Sedan||$1,639|
|Hyundai Elantra SE Touring Station Wagon||$1,650|
|Ford Explorer XLT 2WD||$1,698|
|Honda Odyssey EX-L W/Navigation||$1,727|
|Toyota Tacoma X-Runner 2WD||$1,732|
|Ford Edge SEL 2WD||$1,759|
|Ford Focus SE 4-Dr Sedan||$1,765|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,783|
|Jeep Wrangler Unlimited Rubicon 4WD 4-Dr||$1,812|
|Toyota RAV4 Limited 4WD||$1,849|
|Jeep Grand Cherokee Laredo 2WD||$1,859|
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Premium 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 multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in specific Boston, MA garaging location which can revise coverage prices noticeably.
Based upon the table data, you can figure that models like the Honda Accord, Honda CR-V, Ford Escape, and Chevrolet Malibu will definitely be some of the most budget-friendly vehicles to insure for drivers with handicaps.
Best auto insurance company in Massachusetts
Finding a high-quality insurance company is hard considering how many companies there are to choose from in Massachusetts. The information in the next section could help you select which insurers you want to consider when comparing rate quotes.
These rankings include large, nationwide insurance companies, so companies with more of a regional focus are not taken into consideration for this list. To compare prices from these top insurers and more, just click here.
Top 10 Major Auto Insurance Providers Overall in Boston
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- Liberty Mutual
- AAA Insurance
Discount Boston car insurance
Car insurance companies that provide coverage for handicapped drivers may additionally offer premium discounts that may potentially lower prices by as much as 25% or more if you meet certain criteria. Companies and some of their more popular discounts include:
- State Farm has savings for good driver, multiple autos, Steer Clear safe driver discount, passive restraint, defensive driving training, and anti-theft.
- GEICO may offer discounts for multi-policy, military active duty, anti-lock brakes, emergency military deployment, and good student.
- Liberty Mutual may have discounts that include hybrid vehicle, new move discount, multi-car, multi-policy, preferred payment discount, new graduate, and teen driver discount.
- The Hartford offers premium reductions for driver training, air bag, defensive driver, good student, vehicle fuel type, and anti-theft.
- MetLife offers discounts for multi-policy, defensive driver, claim-free, good student, and accident-free.
- Progressive policyholders can earn discounts including multi-policy, multi-vehicle, continuous coverage, online quote discount, homeowner, and good student.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the rates. The premiums assume a female driver, no claims or driving violations, Massachusetts state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, homeowner, claim-free, safe-driver, passive restraint, and marriage discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for handicapped drivers is 28% or $374.
Impact of speeding/accidents on auto insurance rates
In a perfect world, the best way to enjoy affordable auto insurance premiums in Massachusetts for drivers with handicaps is to pay attention while driving and avoid traffic citations and accidents. The illustration below demonstrates how speeding tickets and accident claims can raise car insurance costs for each different age group. The premium estimates are based on a married female driver, comp and collision included, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance in Massachusetts per year with no violations or accidents is $1,479. Receive one speeding ticket and the average cost rises to $1,721, an increase of $242 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of auto insurance for handicapped drivers increases to an average of $3,748. That’s an increase of $2,269, or $189 per month, just for not being a responsible driver!
Last year’s bargain might be this year’s rip off
Boston auto insurance rates are impacted by many things that may substantially change the price you pay. Simply getting older, increasing liability limits, or getting a ticket for careless driving can trigger changes in premium that can now make some companies cheaper than competitors. In addition to those changes, car insurance companies modify rates as often as every three months in order to offset underwriting gains or losses. Heavier than normal losses may result in additional premium costs, while lower claims may cause cheaper Boston car insurance rates.
The graph below shows a variety of companies that have the cheapest car insurance in Boston, MA for a 45-year-old female driver with no accidents, a clean driving record, and a good credit history. If we look at prices based on her current rating profile, State Farm quotes the best car insurance rates in Boston at $973 each year. This is $262 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group are also included in the most affordable Boston, MA auto insurance companies.
In this example, we will give the driver from the first rate comparison some claims, a lower credit rating, and a stop sign violation. Since each auto insurer uses their own method for filing rates in each state, comparing quotes may now show a substantially altered list of affordable Boston car insurance companies as shown below.
Progressive now has the cheapest rate in Boston, MA with USAA, Norfolk and Dedham, Amica, and GEICO now rounding out the top five. This example shows why it is crucial to compare many different companies to get the most budget-friendly insurance rates for handicapped drivers.
Insurance rates are determined by many factors and change frequently, so the most affordable company the last time you checked may now be one of the more expensive options.