Who Has Cheap Boston Auto Insurance for Drivers Under 25?

The car, truck, or SUV needing coverage is one of the biggest factors when comparing the cheapest car insurance for drivers under 25. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than safer models. The next table ranks coverage premiums for a number of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Boston, MA
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $3,573
Jeep Wrangler Sport 4WD 2-Dr $3,655
Ford Escape Limited 4WD $3,890
Volkswagen Jetta S 2.5 Station Wagon $3,898
Ford F-150 XLT Regular Cab 2WD $3,922
Toyota Prius $3,943
Dodge Grand Caravan SE $3,975
Ford Edge SEL AWD $4,187
Honda Odyssey EX $4,197
Toyota RAV4 Sport 4WD $4,240
Toyota Tacoma Double Cab 4WD $4,247
Jeep Grand Cherokee Laredo 4WD $4,240
Chevrolet Malibu LT $4,293
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Prices above based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can revise insurance rates greatly.

Based upon these rates, we can infer that cars like the Honda CR-V, Jeep Wrangler, Ford Escape, and Volkswagen Jetta are going to be some of the cheapest vehicles to insure for drivers age 25 and younger. Car insurance rates will tend to be more expensive because there is more claim risk for drivers under 25, but in general those particular vehicles will probably have the lowest prices that you are likely to find.

One of the many things that aid in calculating the cost of insurance is your zip code. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The information below sorts the highest-priced places in Massachusetts for drivers under 25 to buy an auto insurance policy in. Boston is listed at #8 with an annual cost of $1,735 for car insurance, which is around $145 per month.

How much does car insurance cost in Boston, MA?
Rank City Premium Per Year
1 Revere $2,192
2 Brockton $2,122
3 Lynn $1,979
4 Springfield $1,908
5 Malden $1,860
6 Lawrence $1,858
7 Worcester $1,746
8 Boston $1,735
9 Fall River $1,700
10 New Bedford $1,698
11 Somerville $1,665
12 Quincy $1,596
13 Medford $1,574
14 Lowell $1,527
15 Cambridge $1,506
16 Chicopee $1,455
17 Weymouth $1,446
18 Haverhill $1,438
19 Framingham $1,432
20 Peabody $1,420
21 Brookline $1,400
22 Taunton $1,397
23 Newton $1,350
24 Methuen $1,348
25 Waltham $1,341
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Premium amounts are comparative as the garaging address in Boston can affect prices greatly.

Finding a high-quality insurance company is hard considering how many companies sell coverage in Massachusetts. The rank data shown below may help you analyze which car insurance providers to look at comparing price quotes from. The rankings below are only comprised of the largest companies in the United States, so smaller companies are not included in the list.

Top Auto Insurance Companies for Drivers Under 25 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

Discounts on Boston auto insurance

Auto insurance for drivers age 25 and younger in Boston, MACar insurance companies that offer cheap quotes for drivers under 25 may also provide discounts that could potentially reduce rates by 30% or more if you are eligible. A few of the larger companies and a selection of discounts are detailed below.

The example below shows the comparison of auto insurance costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no violations or accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, continuous coverage, passive restraint, anti-theft, good student, and paperless filing discounts applied. With discounts applied, theaverage amount saved on auto insurance for drivers under 25 is 21% or $384.

The chart below illustrates how your deductible choice can raise or lower insurance rates when quoting cheap insurance for drivers under 25. The data is based on a married female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The chart above illustrates that a 50-year-old driver could reduce rates by $306 a year by switching from a $100 deductible to a $500 deductible, or save $462 by switching to a $1,000 deductible. Younger drivers, such as the 20-year-old chart data, could reduce their rates up to $762 every year just by choosing higher deductibles. When raising deductibles, it’s a good idea to have plenty of money set aside to allow you to cover the extra out-of-pocket expense that is associated with using high deductibles.

Here’s why price comparisons are so important

Boston, MA auto insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply improving your credit, marrying your spouse, or having a fender bender can trigger changes in premium resulting in some companies being affordable when they were higher priced.

Not only that, but insurers change their prices without warning in order to remain profitable. An extended period of higher than normal claims can result in higher rates, while a profitable period may produce lower-cost Boston car insurance rates.

As an example, the chart below shows which companies have the cheapest car insurance in Boston, MA for a 30-year-old male driver with no violations or accidents, and good credit. If we estimate rates based on his current rating profile, State Farm might offer the best car insurance rates in Boston at $980 annually. This is $255 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, Commerce Group, OneBeacon, and GEICO are the remaining top five cheapest Boston, MA auto insurance companies.

In this example, we will give the driver in the first chart an accident surcharge, a lower credit score, and a couple of points charged on his driving record. Due to the fact that each insurance company has their own process for filing rates in each state, comparing quotes may now show a different set of cheap Boston auto insurance companies as shown below.

Arbella now has the cheapest insurance rate in Boston with Norfolk and Dedham, USAA, Amica, and National Grange Mutual now being in the top five. This example shows why consumers need to take the time to spend some time comparing rates when trying to get cheap insurance quotes for drivers under 25.

Prices are influenced by many things and can change substantially, so the most affordable company the last time you shopped around may now be quite expensive.

The insurance agencies below can help you make a decision which is the best policy, as some people have coverage questions and would like to have the advice of a professional agent when shopping for cheaper insurance for drivers age 25 and younger. It’s not always simple to find the cheapest rate yourself, and insurance agents can bring comfort knowing your policy gives you enough coverage if you have a claim. To locate a Boston auto insurance agent using an interactive map, click the button following the list.

Ann M Foley Insurance
657 Gallivan BlvdBoston, MA 02124(617) 282-5659

Boyd Insurance Agency
296 Bennington StBoston, MA 02128(617) 567-5710

Goji Insurance
31 St James AveBoston, MA 02116(888) 991-1091

AAA Boston
125 High StBoston, MA 02110(617) 443-9300

Massamont Insurance Agency Inc
280 Summer StBoston, MA 02210(617) 478-5205

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