Who Has Cheap Car Insurance for Drivers with Accidents in Boston?

The words “cheap” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are looking for the lowest insurance rates for drivers with accidents. Because it’s not cheap, let’s lead off by showing you some situations that significantly impact auto insurance rates, and find some ways to reduce the price of the next policy you buy.

The vehicle model you are seeking coverage for is probably the biggest factor when consumers are trying to find affordable car insurance for drivers with accidents. Vehicles with economical engines, an excellent safety record, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models.

The table below illustrates auto insurance premiums for the most cost-effective automobiles to insure in Massachusetts.

Cheapest Vehicles to Insure in Boston, MA
Insured Vehicle Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $3,314
Ford Escape XLT 2WD $3,369
Honda CR-V EX-L 2WD $3,418
Ford Edge SE 2WD $3,525
Ford Explorer XLT 2WD $3,566
Toyota Prius $3,611
Hyundai Elantra SE Touring Station Wagon $3,613
Ford F-150 STX Super Cab 2WD $3,743
Toyota Camry LE $3,764
Volkswagen Jetta 2.0T Station Wagon $3,858
Chevrolet Silverado LS Extended Cab 4WD $3,930
Toyota RAV4 Limited 4WD $3,936
Nissan Altima 2.5 4-Dr Sedan $3,930
Chevrolet Impala LT $3,936
Ford Focus S 4-Dr Sedan $3,938
Chevrolet Malibu LS $3,987
Chevrolet Equinox LT 2WD $3,996
Jeep Grand Cherokee Limited 4WD $4,000
GMC Sierra SLT Extended Cab 4WD $4,009
Dodge Grand Caravan SXT $4,039
GMC Sierra 3500HD SLE Crew Cab 2WD $4,045
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,117
Toyota Corolla XLE $4,138
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Cost estimates assume single male driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Prices do not factor in vehicle garaging location which can change rates considerably.

Based upon the table data, we can infer that cars like the Honda Accord, Ford Escape, and Honda CR-V are most likely going to be some of the most budget-friendly vehicles to insure for drivers with at-fault accidents. Rates will trend higher because of the fact that there is more inherent risk for drivers with accidents, but generally speaking those makes and models will tend to have the cheapest rates that you are likely to find.

For drivers with at-fault accidents, one of the more important criteria that determine the cost of insurance is where you choose to live in Boston. Larger areas tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents receive better rates.

The information below sorts the highest-priced areas in Massachusetts for drivers with accidents in which to purchase auto insurance. Boston shows up at #7 with an annual cost of $1,752 on average, which is approximately $146 per month.

Car insurance prices in Boston
Rank City Annual Rate
1 Revere $2,148
2 Brockton $2,080
3 Lynn $1,998
4 Lawrence $1,915
5 Springfield $1,908
6 Malden $1,860
7 Boston $1,752
8 Fall River $1,717
9 New Bedford $1,698
10 Worcester $1,695
11 Somerville $1,665
12 Medford $1,590
13 Quincy $1,534
14 Lowell $1,511
15 Weymouth $1,506
16 Chicopee $1,500
17 Cambridge $1,491
18 Haverhill $1,468
19 Brookline $1,442
20 Peabody $1,420
21 Framingham $1,404
22 Methuen $1,403
23 Taunton $1,397
24 Waltham $1,395
25 Newton $1,324
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Rates are estimated as the specific garaging location can affect auto insurance rates significantly.

Finding dependable, cost effective insurance is challenging, and finding out which insurers offer the lowest-priced car insurance rates for drivers with accidents takes even more work.

Each insurer has a unique formula to set their prices, so we’ll go over the car insurance companies that tend to be cheaper in Boston, MA. It’s important that you understand Boston, MA car insurance rates are calculated based on many things that will increase or decrease the cost of your policy. This is why it is so important to shop around with many companies to find the best car insurance quotes for drivers with accidents. Rates are made up of many factors and can change substantially, so the cheapest rate the last time you checked may now be quite expensive.

Cheapest Insurance Rates for Accident Prone Drivers

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Cheapest Massachusetts auto insurance companies
Rank Company Cost Per Year
1 State Farm $733
2 National Grange Mutual $799
3 GEICO $850
4 Commerce Group $875
5 OneBeacon $903
6 Progressive $1,019
7 Arbella $1,040
8 USAA $1,044
9 Norfolk and Dedham $1,078
10 Amica $1,109
11 Vermont Mutual $1,297
12 Travelers $1,310
13 Quincy Mutual $1,320
14 Safety Group $1,326
15 Hanover $1,345
16 MetLife $1,439
17 Peerless $1,442
18 Plymouth Rock $1,588
19 Liberty Mutual $1,736
20 Allstate $1,791
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State Farm offers some of the best car insurance rates in Boston at around $733 per year. This is $502 less than the average policy premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also be considered some of the lowest-priced Boston, MA auto insurance companies.

In the above example, if you currently have coverage with GEICO and switched to State Farm, you may realize an annual premium reduction of roughly $117. Drivers with Commerce Group might save as much as $142 a year, and OneBeacon customers might cut rates by $170 a year.

Be aware that those estimates are averages for all drivers and vehicles and and are not calculated with an exact location for drivers with accidents. So the auto insurance company that is most affordable for your situation may not even be in the top 21 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own driver data and vehicle information.

The example below shows how choosing a deductible can affect premium costs when searching for cheap insurance for drivers with accidents. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no discounts are applied.

The chart above illustrates that a 50-year-old driver could lower rates by $266 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $400 by changing to a $1,000 deductible. Youthful drivers, like the 20-year-old, could possibly save as much as $672 or even more just by choosing higher deductibles.

If you do raise deductibles, it’s a good idea to have enough savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Ratings for Boston car insurance companies

Insuring your vehicle with the right insurance company can be challenging considering how many choices you have in Boston. The company ratings in the lists below can help you pick which car insurance companies you want to consider when shopping insurance around for drivers with accidents.

The ratings below are only made up of companies with a national presence, so companies that only write business in Massachusetts or surrounding areas are not included in these rankings. If you wish to compare rates from these and other companies in Massachusetts, just click here.

Top 10 Major Auto Insurance Providers Overall in Boston

  1. The Hartford
  2. Progressive
  3. Travelers
  4. State Farm
  5. Farmers Insurance
  6. Safeco Insurance
  7. USAA
  8. GEICO
  9. Liberty Mutual
  10. AAA Insurance

Tips for finding economical insurance for drivers with accidents

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help you buy lower-cost car insurance.

The final tip is incredibly important, as we noted in this piece. Auto insurance rates fluctuate constantly, so don’t hesitate to switch carriers if a lower price can be found.

Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that faithfulness ends up costing you major coinage every year. It only takes a couple minutes to compare prices to find cheaper insurance for drivers with accidents in Boston.

If you aren’t sure which coverage to buy and prefer to have professional advice when trying to find the best insurance rates for drivers with accidents, the agents listed below can probably provide answers to your questions and help you determine which coverage fits your budget. To locate a Boston car insurance agency close to where you live, click the button at the bottom of the list or click here to compare rates now.

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