MA Car Insurance Calculator
There are numerous factors that impact the cost of Massachusetts auto insurance, including location, age, coverage levels, vehicle type and credit. Our Massachusetts Car Insurance Calculator tool will give an approximate quote detailing yearly and monthly premium payments; as well as helping identify which factors have the highest influence over rates (such as adding teen drivers to policies; your age; amount of coverage purchased etc.). Using this calculator will allow you to find out exactly how much your rates will be!
Massachusetts drivers must carry at least liability insurance in order to drive on public roads, with additional optional coverages such as collision and comprehensive policies being available if desired. Although adding these additional coverages will increase both your deductible and total policy cost, they could provide crucial protection in case of an accident. If possible it’s advisable that drivers purchase such protection.
Travelers is currently the most expensive car insurer in Virginia, while Plymouth Rock and Arbella Insurance provide more competitive rates. Your driving history could potentially qualify you for discounts!
Maintaining a clean driving record is one of the best ways to lower Massachusetts auto insurance premiums and save money. By avoiding traffic violations, speeding tickets, and DUI convictions, your rates will be much cheaper than those of drivers with poor records.
Your vehicle’s make and model also plays an integral part in calculating its car insurance rate, such as Ford F-150s or Honda Odysseys will have different premiums than BMW 330is or Toyota Priuss because each model offers its own build quality and safety features which are evaluated by car insurers to establish appropriate premiums.
Massachusetts is a no-fault state, so your compensation will come from your own insurer regardless of who was at fault in an accident. Therefore, premiums will increase for owners of high-end luxury vehicles which require extensive repairs or replacement parts.
Your credit score plays an enormous role in determining your Massachusetts auto insurance rates; only three states (California, Hawaii and Michigan) do not include it as part of their rating system. Excellent credit can reduce premiums while poor scores will cause them to skyrocket.
Massachusetts prohibits gender as a rating factor for auto insurers, meaning men and women pay equal auto insurance rates in this state.
Location can also have a substantial effect on your Massachusetts car insurance rates. Drivers living on Cape Cod or Pioneer Valley tend to see lower car insurance premiums compared to Boston residents due to lower risk factors in these regions compared with those who live closer to traffic and accidents in cities like Boston.