Car insurance premiums in Massachusetts can be costly, but drivers in the state can find more cost-effective coverage by shopping around. A number of factors play a part in your rate such as vehicle make and model, amount of coverage purchased, driving record information and demographic factors such as gender. Our car insurance calculator helps estimate your costs as well as identify ways you could potentially save.
Our tool calculates how much you should pay per month or year depending on your driver profile and vehicle type. It also shows which factors are most relevant for your situation – for instance adding a teenage driver can increase costs up to threefold and full coverage with low deductible policies may cost more than liability-only policies.
While Massachusetts only mandates minimum bodily injury and property damage liability coverage, you may wish to purchase comprehensive and collision policies as an added layer of protection. These higher-cost options could help cover repairs after an accident no matter who was at fault – whether or not that accident was your own.
GEICO stands out among national insurance providers as having some of the lowest rates for Massachusetts drivers on basic liability and other minimum coverages, along with providing discounts and benefits such as courtesy claims handling, roadside assistance and IntelliDrive for safer driving. In addition, this company boasts an expansive network of independent agents as well as offering coverage through neighborhood offices.
Amica and Travelers are two top insurers with low rates in Massachusetts that have excellent customer reviews and offer a variety of coverage options, such as rideshare insurance, new car replacement and accident forgiveness coverage options as well as good student discounts and early quote discounts. Both provide savings opportunities through such means as good student or early quote discounts.
Some states permit insurers to consider drivers’ credit scores when setting premiums; Massachusetts does not. Gender or marital status also do not play any part in setting rates in Massachusetts.
As well as our car insurance calculator, the Massachusetts Department of Consumer Affairs and Business Regulation provides helpful data regarding its auto insurance industry. Their consumer complaint index serves as a great way to quickly evaluate past performance by any insurer in Massachusetts.
Find an auto insurer offering both competitive rates and features you care most about; such as bundling discounts. Your goal should be to find one with both affordable premiums and features you consider important; some people might value lowest premiums more, while for others this could mean additional coverages or an outstanding customer service reputation.