For military personnel, one of the more important factors that are looked at to help calculate the amount you pay for auto insurance is your zip code in Boston. Areas with more people or more claims tend to pay slightly more, whereas areas with less congestion receive better rates.
The following table ranks the most expensive areas in Massachusetts for active military to buy auto insurance in. Boston is ranked at #7 having an annual price of $1,752 for the average insured, which is about $146 per month.
|Rank||City||Premium Per Year|
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Rates are approximated as specific Boston garaging address can lower or raise coverage rates considerably.
Finding low-priced auto insurance is not the easiest thing to accomplish, and finding out which companies quote the lowest-priced auto insurance rates for active military will involve even more shopping around. Each insurance company has their own formula for determining rates, so we’ll go over the auto insurance companies with the overall cheapest rates in Massachusetts.
Keep in mind that Boston auto insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. This price variation is why drivers need to do a thorough rate comparison when trying to get affordable auto insurance quotes for active military. Insurance prices are made up of many things and can change without notice, so the best company the last time you shopped your coverage around may now be costing you a lot of money.
Best Car Insurance Prices for Military
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$799|
|8||Norfolk and Dedham||$1,068|
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State Farm may have some of the cheapest car insurance rates in Boston at around $719 per year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also be considered some of the cheaper Boston, MA insurance companies.
In the above example, if you are a policyholder with OneBeacon and switched to National Grange Mutual, you might see annual savings of about $113. Policyholders with Progressive could save as much as $190 a year, and Arbella insureds might reduce rates by $241 a year.
To see how much you can save, click here to start your free quote or feel free to get quotes from the companies below.
It’s important to note that these policy rates are averaged for all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for active military. So the insurer that has the cheapest rates for you may not even be in the top 21 companies shown above. That emphasizes why you need to get car insurance quotes using your own specific driver information and vehicle.
The vehicle model requiring insurance is one of the primary factors that determines whether or not you find the best insurance for active military. Vehicles with lots of horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.
The information below showcases car insurance prices for a selection of the most economical automobiles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,437|
|Honda CR-V LX 2WD||$1,572|
|Dodge Grand Caravan CV||$1,607|
|Ford Escape XLS 4WD||$1,621|
|Jeep Wrangler Sport 4WD 2-Dr||$1,696|
|Toyota Tacoma Double Cab 4WD||$1,731|
|Ford Focus SES 4-Dr Sedan||$1,758|
|Honda Civic LX-S 4-Dr Sedan||$1,763|
|Toyota Corolla S||$1,791|
|Chevrolet Silverado LT Regular Cab||$1,820|
|Volkswagen Jetta SE 4-Dr Sedan||$1,823|
|Ford Fusion SEL 4-Dr Sedan||$1,831|
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Estimates do not factor in your specific Boston, MA location which can change auto insurance rates noticeably.
Looking at the numbers, cars like the Hyundai Elantra, Honda CR-V, Dodge Grand Caravan, Ford Escape, and Jeep Wrangler are most likely to be some of the less-costly vehicles to insure for military personnel.
Illustration showing the impact of accidents and violations
The best way to receive low auto insurance premiums for military personnel is to be an attentive driver and have a clean driving record. The diagram below demonstrates how speeding tickets and accidents drive up insurance prices for different categories of driver ages. The costs are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the previous chart, the average cost of car insurance in Massachusetts per year with no violations or accidents is $2,226. Receive two speeding tickets and the average cost swells to $2,991, an increase of $765 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of auto insurance for active military jumps again to an average of $5,832. That’s an increase of $3,606, or $300 per month, just for being a careless driver!
The information below shows how different deductible levels can increase or decrease insurance costs when searching for cheap insurance for active military. Data assumes a single female driver, full physical damage coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could lower rates by $266 a year by changing from a $100 deductible to a $500 deductible, or save $400 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could reduce their rates as much as $672 every year by choosing a larger deductible amount. When choosing a higher deductible, it will be necessary to have plenty of money set aside to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Liability only or full coverage
Saving on auto insurance is probably important to the majority of vehicle owners, and one great way to find cheaper insurance for active military is to not pay for full coverage. The information below shows the comparison of insurance prices with and without physical damage coverage. The costs are based on no claims or driving violations, $250 deductibles, single status, and no discounts are applied.
If averaged out across all ages, physical damage coverage costs $1,756 per year more than just insuring for liability. Many drivers may wonder when is the right time to remove full coverage. There is no definitive rule of when to phase out comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is more than around 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your vehicle’s claim settlement value is $7,500 and you have $1,000 full coverage deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,500 after paying your deductible. If premium cost is more than $650 a year to have full coverage, then it might be time to consider dropping full coverage.
Can you find cheaper Boston car insurance?
Boston auto insurance rates are impacted by many things that can increase the cost of your policy. Simply getting older, buying higher coverage limits, or getting a couple of tickets may prompt premium changes that can make some companies more affordable than the competition. And not only may your rating factors change, but auto insurance companies amend pricing multiple times each year to adjust for unexpected claims or profits. Heavier than normal losses may result in additional price hikes, while lower claim levels may produce more affordable Boston car insurance rates.
For instance, the graph below shows the companies that have the cheapest car insurance in Boston, MA for a 30-year-old female driver with no accidents, a clean driving record, and a good credit history. If we estimate prices based on her current situation, State Farm quotes the lowest car insurance rates in Boston at $1,000 a year. This is $235 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also on the list of the top five cheapest Boston, MA auto insurance companies.
The next chart shows rates after we give the driver from the first example a claim surcharge, poor credit, and an imperfect driving record. Due to the fact that every insurance company has their own formula to set policy rates, comparing rates may now result in a significantly different list of the cheapest companies as shown below.
Arbella now has the cheapest insurance rate in Boston with USAA, Norfolk and Dedham, Amica, and GEICO also having competitive pricing. This example proves why consumers need to compare as many rates as possible to get the lowest auto insurance rates for active military. Car insurance prices can be determined by many risk factors and change frequently, so the cheapest option the last time you checked may now be wasting a lot of money.
If you have questions and prefer to have the advice of a professional agent when shopping for the best coverage for military personnel, the insurance agencies below can help you make a decision which coverages you need. To locate an agency close to where you live, click the button at the bottom of the list or click here to compare rates now.
764 Blue Hill Avenue – Boston, MA 02124 – (617) 265-1414
DMC Insurance Agency Inc
100 High St # 2800 – Boston, MA 02110 – (617) 451-0100
Alan J Ross Insurance Agency Inc
225 Franklin St – Boston, MA 02110 – (617) 449-9413