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.
|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|
|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.
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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
|Rank||Company||Cost Per Year|
|2||National Grange Mutual||$799|
|9||Norfolk and Dedham||$1,078|
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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
- The Hartford
- State Farm
- Farmers Insurance
- Safeco Insurance
- Liberty Mutual
- 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.
- Raise deductibles
- Save money by observing traffic laws and speed limits
- Get cheaper liability coverage by choosing a safer vehicle
- Higher credit scores may earn you cheaper rates
- On older vehicles, drop full coverage
- Having at-fault accidents will increase rates
- Compare quotes from other companies often
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.
- One Call Insurance
121 Tremont St – Boston, MA 02135 – (617) 782-2255
- Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000
- KW Insurance
1361 Cambridge St – Cambridge, MA 02141 – (617) 492-4150