The car, truck, or SUV you are seeking coverage for is one of the main factors when shopping around for low-priced auto insurance for safe drivers. Vehicles with lower performance, good safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.
The data below outlines coverage premiums for a handful of the most cost-effective automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$1,381|
|Ford Escape XLT 4WD||$1,391|
|Chevrolet Silverado LS Regular Cab 4WD||$1,483|
|Hyundai Elantra GLS Touring Station Wagon||$1,525|
|Ford F-150 XL Regular Cab 2WD||$1,531|
|Toyota Tacoma Double Cab 4WD||$1,601|
|Dodge Grand Caravan Hero||$1,608|
|Jeep Grand Cherokee Laredo 4WD||$1,601|
|Honda Accord EX-L 4-Dr Sedan||$1,607|
|Ford Explorer Eddie Bauer 2WD||$1,656|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,680|
|Honda Odyssey LX||$1,687|
|Chevrolet Impala LS||$1,717|
|Toyota RAV4 Sport 2WD||$1,751|
|GMC Sierra SL Extended Cab 2WD||$1,803|
|Nissan Rogue SL AWD||$1,806|
|Ford Focus SES 2-Dr Coupe||$1,813|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD||$1,835|
|Toyota Camry Hybrid||$1,844|
|Kia Optima EX||$1,835|
|Ford Edge Limited AWD||$1,848|
|Chevrolet Equinox LTZ AWD||$1,884|
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can raise or lower auto insurance rates substantially.
By looking at the data, cars like the Honda CR-V, Ford Escape, Chevrolet Silverado, Hyundai Elantra, and Ford F-150 should be a few of the more affordable vehicles to insure for good drivers.
For good drivers, one of the big criteria that are looked at to help calculate car insurance rates is where you live in Boston. Areas with more people or even just a higher incidence of claims tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper auto insurance prices.
The illustration below lists the most expensive places in Massachusetts for safe drivers to purchase car insurance in. Boston is ranked #8 costing $1,735 for car insurance, which is about $145 each month.
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Annual rates are approximated as the specific Boston residence address can affect coverage rates greatly.
Cost comparison with and without full coverage
Finding the cheapest insurance is the goal of most drivers, and one way to lower the cost of insurance for safe drivers is to only buy liability coverage. The diagram below illustrates the difference between insurance rates with liability coverage only compared to full coverage. The premiums assume no claims or driving citations, $500 deductibles, drivers are not married, and no discounts are factored in.
If the expense is averaged for all age categories, physical damage coverage costs an extra $2,103 per year more than carrying just liability coverage. At some point, almost every driver questions if physical damage coverage is worth the money. There isn’t a written rule to stop buying physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
There are a few situations where only buying liability is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.
What is the best insurance company in Massachusetts?
Insuring your vehicle with a good quality insurer can be difficult considering how many companies provide coverage in Massachusetts. The rank data in the lists below can help you select which auto insurance companies to look at when insurance shopping for safe drivers.
These rankings include the largest companies in America, so companies without a large exposure are not taken into consideration for this list. To check prices and find the cheapest rates for safe drivers, follow this link.
Top 10 Large Auto Insurers in Boston Ranked by Claims Service
- Liberty Mutual
- State Farm
- The Hartford
- Farmers Insurance
- AAA Insurance
Top 10 Large Auto Insurers in Boston Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Allstate – A+
- The Hartford – A+
- Progressive – A+
- Esurance – A+
- Safeco Insurance – A
- Farmers Insurance – A
Don’t make the mistake of not shopping around
Boston insurance rates are influenced by many factors that control the price you have to pay for coverage. Simply having a birthday, buying a different home, or getting caught speeding can cause premium changes that can now make some companies affordable when they were higher priced.
Not only may your situation change, but car insurance companies file new Massachusetts car insurance rates as often as every three months to adjust for heavy claims or excess profits. Larger than normal claims may cause higher priced premiums, while lower claim expenses can produce cheaper Boston car insurance rates.
As an example, the chart below shows the cheapest car insurance in Boston, MA for a 35-year-old male driver with no accidents, a clean driving record, and excellent credit. If we estimate prices based on his personal risk profile, State Farm might quote the best car insurance rates in Boston at $961 a year. This is $274 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the list of the cheapest Boston, MA auto insurance companies.
Now we will give the driver from the first rate comparison an accident claim, poor credit, and a blemish on his driving record. Since every insurance provider uses their own calculation to set their prices, comparing insurance quotes most likely will result in a different ranking of affordable Boston car insurance companies as shown below.
Arbella now has the lowest price in Boston with Norfolk and Dedham, USAA, National Grange Mutual, and Amica completing the list. This illustrates why Boston drivers need to compare rates when trying to get the most affordable car insurance rates for safe drivers.
Prices are determined by many things and change dramatically, so the most economical company when you last compared rates may now be one of the higher cost companies.
How to find economical auto insurance for safe drivers
Lowering your rates is not difficult, and here are some of the recommended penny-pinching solutions that can help you get lower-cost coverage.
- Having at-fault accidents will increase rates
- Higher physical damage deductibles lower rates
- Vehicles with safetly features generally cost less to insure
- Save money by only buying liability coverage for older vehicles
- Serious violations like DUI or reckless driving can increase rates dramatically
- Increase your credit score
- Shop around and save
The last suggestion is incredibly critical, as we pointed out in this write-up. Prices charged by car insurance companies can change significantly in a year, so you should be ready to switch companies if a better rate can be found. Staying with the same company for years is fine, but we do not recommend it if your bullheadedness ends up costing you several hundred dollars every year. Take a couple minutes and compare rates to find cheaper auto insurance for safe drivers in Boston.
If you would rather get some guidance when shopping for the best coverage for good drivers, the agents below can most likely aid you in deciding which coverages you need.
To locate an agency near you, click the button link following the list.
- Warren Insurance
764 Blue Hill Avenue – Boston, MA 02124 – (617) 265-1414
- Richard Soohoo Insurance
1148 Washington St – Boston, MA 02118 – (617) 338-8168
- Meridian Insurance Agency, LLC
175 William F McClellan Hwy #112 – East Boston, MA 02128 – (617) 567-5710
- A-Affordable Insurance Agency, Inc.
55 Union St – Boston, MA 02108 – (617) 924-4915