The vehicle that is being insured is one of the largest considerations that determines whether or not you find the best cheap car insurance for high mileage drivers. Vehicles with limited speed and performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The list below outlines insurance costs for the most economical automobiles to insure in Massachusetts.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,533|
|Honda CR-V LX 2WD||$1,539|
|Ford Escape XLT 4WD||$1,568|
|GMC Sierra SLE Crew Cab 2WD||$1,656|
|Jeep Grand Cherokee Laredo 2WD||$1,663|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,677|
|Ford F-150 FX4 4WD||$1,688|
|Hyundai Elantra Blue 4-Dr Sedan||$1,715|
|Honda Odyssey EX-L W/Navigation||$1,744|
|Toyota Corolla XRS||$1,776|
|Ford Explorer XLT 4WD||$1,779|
|Volkswagen Jetta 2.0T Station Wagon||$1,805|
|Chevrolet Malibu Hybrid||$1,816|
|Chevrolet Impala LT||$1,825|
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Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Price estimates do not factor in vehicle garaging location which can impact premium rates greatly.
Looking at the data, you can expect makes and models like the Honda Accord, Honda CR-V, Toyota Prius, and Ford Escape are the cheapest vehicles to insure for high mileage drivers.
For high mileage drivers, one of the largest components that are looked at to help calculate the price you pay for insurance is where you live in Boston. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.
The following table sorts the highest-priced places in Massachusetts for high mileage drivers to buy car insurance in. Boston is listed at #7 with the annual price of $1,788 for the average policy, which is approximately $149 monthly.
|Rank||City||Average Per Year|
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Information shown are estimated as specific location information can influence premium rates greatly.
Impact of citations and accidents on Boston insurance rates
One of the best ways to receive the best auto insurance prices in Massachusetts for high mileage drivers is to drive attentively and not have accidents or get tickets. The chart below demonstrates how traffic citations and accident claims can impact insurance premiums for different age groups of insureds. Data assumes a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,430. Add in two speeding tickets and the average cost rises to $2,023, an increase of $593 each year. Then add two accidents along with the two speeding tickets and the yearly cost of auto insurance for high mileage drivers goes up to an average of $4,519. That’s an increase of $3,089, or $257 per month, just for not being more responsible behind the wheel!
Discounts on Boston insurance rates
Car insurance companies that offer cheap quotes for high mileage drivers may provide special discounts that can lower rates by 30% or more if you qualify for them. Companies and their offered discounts are included below.
- Farmers Insurance policyholders can earn discounts including business and professional, alternative fuel, youthful driver, switch companies, bundle discounts, teen driver, and good student.
- State Farm offers discounts for passive restraint, multiple autos, good student, student away at school, defensive driving training, and anti-theft.
- Liberty Mutual offers premium reductions for new vehicle discount, newly married, multi-car, new graduate, and safety features.
- MetLife has discounts for good driver, claim-free, defensive driver, good student, accident-free, multi-policy
- Progressive offers discounts including homeowner, multi-policy, good student, online quote discount, and online signing.
The chart below illustrates the difference between auto insurance rates with and without discounts applied. The costs are based on a male driver, no violations or accidents, Massachusetts state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple policy, marriage, accident-free, vehicle safety, defensive driving course, and safe-driver discounts applied. In this example, theamount saved on auto insurance for high mileage drivers is 28% or $422.
You are probably paying too much for car insurance
Boston, MA auto insurance rates are determined by lots of factors that may substantially change the price you pay for coverage. Getting older, marrying your spouse, or getting a reckless driving citation can trigger changes in premium that can now make some companies cheaper than others. And not only may your rating factors change, but car insurance companies modify rates without warning in order to protect their financial rating. An unexpected high level of claims can result in more expensive premiums, while lower claim expenses may result in more affordable Boston car insurance rates.
The bar chart below shows which companies have the cheapest car insurance in Boston, MA for a 45-year-old female driver with no prior accidents, a clean driving record, and a good credit rating. If we compare prices based on her current situation, State Farm may have the lowest car insurance rates in Boston at $949 annually. This is $286 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also make the list of the most affordable Boston, MA auto insurance companies.
Now we will give the driver in the first chart a claim, poor credit, and a couple of points charged on her driving record. Due to the fact that each insurance company has a unique formula for setting rates, analyzing rates may now show a completely different list of the cheapest Boston car insurance companies as shown below.
Progressive now has the lowest car insurance rate in Boston, MA with Norfolk and Dedham, USAA, Amica, and National Grange Mutual now rounding out the top five. This example demonstrates why it is so important to take the time to shop around when trying to get affordable car insurance quotes for high mileage drivers.
Prices are made up of many factors and can change without notice, so the cheapest rate the last time you shopped around may now be one of the more expensive options.
The insurance agencies below can most likely help you decide which policy fits your needs best, since many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when shopping for cheaper insurance for high mileage drivers. It can be complicated to find the best rates on your own, and getting advice from a licensed agent can provide peace of mind knowing your coverage gives you suitable coverage if you have an accident. To locate a Boston car insurance agency nearest to you, click the link after the list or click here to compare prices now.
- Cavanaugh Insurance Agency
75 Boston-Providence Turnpike – Norwood, MA 02062 – (781) 762-3400
- Pilgrim Insurance Co
695 Atlantic Ave – Boston, MA 02111 – (617) 956-6000
- H R Hatch Insurance Agency, Inc
31 Milk St #410 – Boston, MA 02109 – (617) 426-3711
- Ironside Insurance Group, LLC
112 Water St #401 – Boston, MA 02109 – (617) 227-2400