One of the many components that are looked at to determine the amount you pay each year for auto insurance is your address. Cities with larger populations or higher claim trends tend to have more expensive car insurance rates, whereas areas with less crime or weather claims benefit from lower coverage costs.
The following table rates the most expensive cities in Massachusetts for police officers to purchase a policy in. Boston is ranked #7 with an annual cost of $1,752 for the average insurance policy, which is approximately $146 monthly.
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Prices are comparative as the specific area where the vehicle is garaged can increase or decrease prices considerably.
Trying to buy low-priced auto insurance is not easy, and deciding which companies quote the lowest-priced auto insurance rates for police officers will require additional perseverance. Each insurance company has a different process for determining rates in each state, so let’s rank the auto insurance companies with the overall cheapest rates in Boston.
It’s a good idea to be aware that Boston auto insurance rates are impacted by many factors that may substantially change your annual premium. That is why it is so important to take the time to shop around when trying to find the most economical insurance rates for police officers. Insurance rates are calculated by many factors and can increase or decrease at any time, so the best option when you last compared rates may now be costing you a lot of money.
Find Cheaper Auto Insurance for Law Enforcement
State Farm generally has some of the lowest car insurance rates in Boston at around $719 a year. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also rank well as some of the most economical Boston, MA car insurance companies.
In the above example, if you have coverage with Commerce Group and switched to State Farm, you could realize yearly savings of around $156. Policyholders with OneBeacon could save as much as $166 a year, and Progressive insureds might realize rate reductions of up to $270 a year.
Remember that these estimates are averaged across all types of drivers and the different vehicles they drive and are not factoring in a specific zip code for police officers. So the car insurance company that has the lowest price for you may not even be in the list above. That is why you need to compare prices as often as possible using your own specific driver information and vehicle.
The chart below demonstrates how choosing different deductibles can raise or lower insurance costs when trying to find cheap insurance for police officers. The premium estimates are based on a married female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could pocket $272 a year by increasing from a $100 deductible to a $500 deductible, or save $412 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could save up to $678 each year just by choosing higher deductibles when buying full coverage. When raising deductibles, it is a good idea to have additional savings on hand to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Ending up with the right car insurance provider is hard considering how many choices drivers have in Massachusetts. The company information listed below could help you select which auto insurers to look at comparing rates from.
These ratings are only made up of companies that insure vehicles across America, so companies that only write business in Massachusetts or surrounding areas are not included in the list. To compare prices from the insurers below and more, click this link.
Top 10 Large Auto Insurance Providers in Boston Ranked by Value
- The Hartford
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- State Farm
- American Family
- Liberty Mutual
Top 10 Large Auto Insurance Providers 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
Get discount Boston insurance rates
Insurers that offer quotes for police officers may also offer price discounts that can reduce rates by as much as 30% if you qualify. Larger auto insurance companies and a selection of discounts are:
- GEICO offers discounts including multi-vehicle, air bags, multi-policy, anti-theft, military active duty, good student, and daytime running lights.
- Mercury Insurance may offer discounts for type of vehicle, location of vehicle, low natural disaster claims, multi-car, multi-policy, and annual mileage.
- Farmers Insurance may have discounts that include homeowner, early shopping, multi-car, electronic funds transfer, mature driver, teen driver, and distant student.
- Auto-Owners Insurance has discounts for anti-lock brakes, air bags, multi-policy, company car, anti-theft, and mature driver.
- Liberty Mutual policyholders can earn discounts including new graduate, teen driver discount, good student, multi-policy, and safety features.
- SAFECO offers premium reductions for bundle discounts, safe driver, anti-theft, teen safe driver, accident prevention training, and multi-car.
- Progressive offers discounts for multi-policy, good student, homeowner, online signing, online quote discount, multi-vehicle, and continuous coverage.
- USAA may include discounts for multi-vehicle, good student, loyalty savings, annual mileage, driver training, defensive driver, and military installation.
The information below shows the difference between annual premium costs with and without discounts being applied to the rates. The rate quotes are based on a female driver, no accidents or driving violations, Massachusetts state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with homeowner, safe-driver, multiple policy, passive restraint, marriage, and claim-free discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for police officers is 28% or $460.