Finding out which companies quote the best insurance rates for inexperienced drivers will require more work in order to find coverage that fits your budget.
Every insurance company has a proprietary method for setting rates, so we’ll go over the overall cheapest insurance companies in Boston. It’s important to understand that Boston insurance rates are impacted by many factors that will increase or decrease the price you pay for coverage. Simply improving your credit, adding a teenager to your policy, or having an at-fault accident can cause premium changes that can cause some rates to be much cheaper than others.
Cheap Insurance Rates for Newbies
State Farm has some of the lowest car insurance rates in Boston at around $719 a year. This is $516 less than the average rate paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also qualify as some of the cheaper Boston, MA insurance companies.
In the above rates, if you buy coverage from GEICO and switched to State Farm, you might see a yearly savings of in the neighborhood of $131. Customers with Commerce Group might save as much as $183 a year, and OneBeacon insureds might reduce prices by as much as $193 a year.
To compare your rates to other Massachusetts insurance companies, click here to start your free quote or visit any of the companies below.
Bear in mind that those premiums are averages across all drivers and vehicles in Massachusetts and do not take into consideration a specific location for inexperienced drivers. So the insurer that has the cheapest rates for you may not even be in the top 21 companies shown above. That point stresses why you need to get quotes using your own individual information.
The make and model of vehicle you are trying to insure is one of the biggest factors when comparison shopping for the best cheap car insurance for inexperienced drivers. Vehicles with limited speed and performance, good safety features, or a track record of few liability claims will cost less to insure than fast, unsafe models. The table below showcases auto insurance rates for the most budget-friendly vehicles to insure in Massachusetts.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,382|
|Jeep Wrangler Sport 4WD 2-Dr||$1,400|
|Honda Accord EX-L 4-Dr Sedan||$1,468|
|Honda CR-V EX 2WD||$1,526|
|Ford Edge SE 2WD||$1,623|
|Honda Odyssey EX-L||$1,691|
|Toyota Camry SE||$1,698|
|Toyota Tacoma 2WD||$1,717|
|Ford Explorer XLT AWD||$1,720|
|Jeep Grand Cherokee Limited 4WD||$1,722|
|Ford Fusion S 4-Dr Sedan||$1,751|
|Chevrolet Equinox LT AWD||$1,756|
|Chevrolet Silverado LS Extended Cab 4WD||$1,751|
|Nissan Altima 2.5 4-Dr Sedan||$1,804|
|Chevrolet Malibu Hybrid||$1,812|
|Toyota RAV4 Sport 2WD||$1,804|
|Volkswagen Jetta S 4-Dr Sedan||$1,812|
|Hyundai Sonata SE 4-Dr Sedan||$1,806|
|Toyota Camry Hybrid||$1,838|
|Kia Optima EX||$1,847|
|Dodge Grand Caravan Crew||$1,846|
|Ford F-150 Lariat Crew Cab 4WD||$1,854|
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Prices do not factor in specific garaging location which can affect prices considerably.
By looking at the data, models like the Ford Escape, Jeep Wrangler, Honda Accord, Honda CR-V, and Ford Edge are a few of the more affordable vehicles to insure for new drivers.
One of the many considerations that determine auto insurance rates is where you normally keep your vehicle. Larger areas tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The illustration below sorts the priciest cities in Massachusetts for inexperienced drivers to purchase auto insurance in. Boston is ranked #7 with an annual cost of $1,788 for coverage, which is around $149 each month.
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Prices are comparative as the specific Boston residence address can influence premium rates significantly.
Massachusetts insurance companies
Picking the highest-rated insurance company can be a challenge considering how many choices there are in Massachusetts. The company ratings shown below may help you decide which insurers you want to consider when shopping your coverage around.
The ratings below are for companies with a national presence, so smaller companies will not be included in the list. To get price quotes from these and other competitive companies, simply click here.
Top 10 Major Car Insurance Companies 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
How to get discounts on Boston auto insurance
Insurers that sell policies for inexperienced drivers could also offer policy discounts that can reduce rates by 35% or more if you are eligible for them. Larger insurance companies and some of their more popular discounts can be found below.
- State Farm offers discounts including student away at school, defensive driving training, multiple autos, safe vehicle, good driver, and multiple policy.
- American Family may offer discounts for bundled insurance, early bird, TimeAway discount, Steer into Savings, good student, mySafetyValet, and multi-vehicle.
- GEICO offers discounts for air bags, seat belt use, daytime running lights, membership and employees, emergency military deployment, driver training, and anti-theft.
- 21st Century offers premium reductions for student driver, driver training, air bags, good student, homeowners, and early bird.
- Progressive may include discounts for multi-policy, online quote discount, multi-vehicle, homeowner, and continuous coverage.
The chart below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The rates are based on a female driver, no tickets, no at-fault accidents, Massachusetts state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with multiple vehicle, anti-theft, homeowner, multiple policy, marriage, and safe-driver discounts applied. With discounts applied, theamount saved on insurance for inexperienced drivers is 28% or $460.
The importance of shopping around
Boston insurance rates are determined by lots of factors which can substantially change the price you pay. Simply turning a year older, moving to a different location, or getting caught speeding can trigger rate changes that can cause some rates to be more affordable than others. In addition to those changes, insurance companies modify rates multiple times each year to reflect underwriting profits or losses. Higher than normal claims may cause price increases, while a better loss history may cause more affordable Boston car insurance rates.
For instance, the graph below shows a variety of companies that have the cheapest car insurance in Boston, MA for a 40-year-old male driver with a clear driving record, no claims, and a decent credit rating. If we look at prices based on his current rating profile, State Farm might offer the most affordable car insurance rates in Boston at $942 a year. This is $293 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also on the list of the best Boston, MA auto insurance companies.
The example below compares rates after we give the driver from the first example a claim or two, poor credit, and a speeding citation. Since every car insurance company has their own unique process to determining premium rates, analyzing rates most likely will result in a significantly different list of affordable companies as shown below.
Norfolk and Dedham now has the lowest price in Boston, MA with Arbella, USAA, Amica, and National Grange Mutual now rounding out the top five. This example shows why Massachusetts drivers need to take the time to shop around when trying to get cheap insurance quotes for inexperienced drivers.
Prices can be altered by many factors and can change without notice, so the cheapest rate a year ago may now be one of the more expensive options.
Tips to find economical car insurance for inexperienced drivers
Below you’ll find some money-saving solutions that can help drivers buy lower-cost car insurance.
- Older vehicles may not need full coverage
- Buy a safer vehicle
- At-fault accidents will increase rates
- Pay cheaper rates with good credit scores
- Buy your auto and home insurance from the same company and save
- Keep rates low by comparing prices once a year
The final tip is notably important, as we hit on in the prior information. Rates fluctuate considerably, so drivers shouldn’t be reluctant to buy a different policy if a better deal can be had. Many drivers have brand loyalty and that’s fine, but it’s not a great idea if that loyalty results in overpaying a small fortune. In just a few minutes you could shop around to find cheaper auto insurance for inexperienced drivers in Boston.
The agents shown below can probably help you make a decision which car insurance policy is best, as some drivers wish to get help from a professional when comparing insurance rates for inexperienced drivers. It can be challenging to find the cheapest auto insurance company, and insurance agents licensed in the state of Massachusetts can bring comfort knowing your policy gives you adequate coverage when you need it most.
To locate a Boston car insurance agency near you, click the button at the bottom.
- One Call Insurance
121 Tremont St – Boston, MA 02135 – (617) 782-2255
- Baltic Insurance Agency
597 E Broadway – South Boston, MA 02127 – (617) 268-6030
- DMC Insurance Agency Inc
100 High St # 2800 – Boston, MA 02110 – (617) 451-0100
- AAA Boston
125 High St – Boston, MA 02110 – (617) 443-9300