Who Has the Cheapest Auto Insurance Rates for a School Permit in Boston?

The words “affordable” and “insurance” really shouldn’t be used together, especially when trying to find the lowest insurance prices for a school permit. To help control this cost, let’s start the ball rolling by going over some situations the can have a considerable influence on car insurance premiums, and find out if you can shave a little off the next policy you buy.

For a learners permit, one of the more important considerations that are looked at to help calculate the amount you pay each year for auto insurance is where your residence is in Boston. More populated areas are more likely to have higher rates, whereas more rural areas benefit from lower coverage costs.

The following table rates the highest-priced areas in Massachusetts for a school permit to purchase a policy in. Boston is ranked at #7 costing $1,805 for the average policy, which is approximately $150 each month.

How much is car insurance in Boston?
Rank City Premium Per Year
1 Revere $2,127
2 Brockton $2,059
3 Lynn $1,939
4 Lawrence $1,915
5 Springfield $1,908
6 Malden $1,879
7 Boston $1,805
8 New Bedford $1,768
9 Worcester $1,695
10 Fall River $1,649
11 Somerville $1,648
12 Medford $1,638
13 Quincy $1,596
14 Lowell $1,511
15 Cambridge $1,506
16 Chicopee $1,500
17 Weymouth $1,491
18 Haverhill $1,468
19 Peabody $1,406
20 Framingham $1,404
21 Brookline $1,400
22 Taunton $1,397
23 Methuen $1,361
24 Waltham $1,341
25 Newton $1,310
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Prices are estimated as the vehicle garaging location can alter prices considerably.

The vehicle on the policy is a large factor when trying to find the cheapest coverage for a school permit. Vehicles with lots of horsepower, poor safety features, or a track record of large liability claims will cost quite a bit more to insure than safer models. The information below presents auto insurance rates for a selection of the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Boston, MA
Vehicle Estimated Cost for Full Coverage
Ford Escape Limited 2WD $5,619
Honda CR-V EX 4WD $5,625
Toyota Prius $6,042
Honda Odyssey LX $6,177
Ford F-150 XL Crew Cab 2WD $6,235
Volkswagen Jetta SE 2.5 Station Wagon $6,405
Ford Edge SE AWD $6,542
Chevrolet Impala LS $6,552
Dodge Grand Caravan Hero $6,601
Jeep Grand Cherokee Laredo 4WD $6,607
Chevrolet Malibu LS $6,601
Toyota RAV4 2WD $6,610
Chevrolet Equinox LT 2WD $6,601
Ford Explorer Eddie Bauer AWD $6,659
Toyota Tacoma Double Cab 4WD $6,667
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $6,900
Ford Focus SEL 4-Dr Sedan $6,905
Honda Civic LX-S 4-Dr Sedan $6,915
Toyota Camry XLE $6,963
Hyundai Elantra SE 4-Dr Sedan $6,972
Toyota Corolla LE $6,963
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $7,022
GMC Sierra SL Crew Cab 2WD $7,027
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Prices above based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific location which can raise or lower price quotes substantially.

Based upon these rates, you can assume that models like the Ford Escape, Honda CR-V, Toyota Prius, and Honda Odyssey are most likely going to be a few of the most economical vehicles to insure for a learners permit. Car insurance rates will be higher anyway because of the fact that there is more claim exposure for a school permit, but in general those makes and models will most likely have the lowest insurance prices that you are likely to find.

Cautious Boston drivers save money

The recommended way to find the best car insurance premiums for a learners permit is to pay attention while driving and not have accidents or get tickets. The chart below illustrates how violations and accident claims increase insurance rates for different insured age categories. The price estimates are based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied.

In the prior example, the average cost of car insurance in Boston per year with no accidents and a clean driving record is $1,756. Factor in one speeding ticket and the average cost jumps to $1,979, an increase of $223 each year. Now add in one accident along with the one speeding ticket and the annual cost of car insurance for a school permit jumps again to an average of $2,599. That’s an increase of $843, or $70 per month, just for being a careless driver!

Discounts on Boston auto insurance rates

Save on car insurance for a learners permit in BostonAuto insurance companies that provide coverage for a school permit may additionally offer rate discounts that could reduce prices by as much as 25% or more if you are eligible. Larger car insurance companies and some of their more popular discounts are shown below.

The diagram below visualizes the comparison of insurance costs with and without discounts being applied to the rates. The premiums assume a male driver, no claims, a clean driving record, Massachusetts state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, vehicle safety, passive restraint, paperless filing, continuous coverage, and anti-theft discounts applied. When drivers qualify for the discounts, theamount saved on car insurance for a school permit is 28% or $848.

The agents shown below can help you determine which policy is best, since lots of people like to have the advice of a professional agent when shopping for the best coverage for a learners permit. It’s not always easy to do it yourself, and insurance agents can provide you peace of mind knowing you have enough protection. To locate an agency in your neighborhood, click the button at the bottom.

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How to find economical insurance for a school permit

The list below summarizes some of the recommended penny-pinching solutions that can help Boston drivers find cheap coverage.

That final tip is extremely important, as we emphasized in this article. Coverage rates in Boston can be adjusted at any time, so don’t be afraid to switch to a new company if a better rate can be found.

Brand loyalty is not necessarily bad, but it’s not a great idea if that loyalty ends up costing big bucks every year. It only takes a couple minutes to shop around to find cheaper insurance for a school permit.