The vehicle that needs insurance is probably the biggest factor when shopping around for the most economical insurance for 19 year olds. Vehicles with lower performance, advanced safety features, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The information below features coverage prices for a selection of the most budget-friendly vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $4,508 |
| Honda CR-V EX 4WD | $4,516 |
| Honda Accord EX-L 4-Dr Sedan | $4,820 |
| Toyota Prius | $4,877 |
| Ford F-150 XL Super Cab 2WD | $4,919 |
| Ford Explorer Eddie Bauer 2WD | $4,974 |
| Dodge Grand Caravan SE | $4,984 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $4,974 |
| Toyota Tacoma 4WD | $4,984 |
| Ford Focus S 4-Dr Sedan | $5,231 |
| Ford Edge SE AWD | $5,239 |
| Chevrolet Impala LS | $5,231 |
| Honda Odyssey EX | $5,237 |
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Prices based on single male driver age 19, 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 zip code location which can raise or lower coverage prices noticeably.
Based upon these rates, we can expect models like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are most likely going to be a few of the cheaper vehicles to insure for teenage drivers. The price for car insurance will tend to be higher because there is more claim exposure for 19 year olds, but overall those makes and models will have the lowest insurance prices compared to other vehicles.
For teenage drivers, one of the big criteria that are looked at to help calculate insurance cost is where your car is garaged. More densely populated places likely pay more, whereas areas that tend to be more rural benefit from lower rates.
The following table shows the most expensive areas in Massachusetts for 19 year olds in which to buy car insurance. Boston ranks #7 costing $1,752 for the average policy, which is around $146 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Revere | $2,148 |
| 2 | Brockton | $2,122 |
| 3 | Lynn | $1,920 |
| 4 | Malden | $1,917 |
| 5 | Springfield | $1,851 |
| 6 | Lawrence | $1,839 |
| 7 | Boston | $1,752 |
| 8 | New Bedford | $1,750 |
| 9 | Worcester | $1,746 |
| 10 | Fall River | $1,649 |
| 11 | Somerville | $1,616 |
| 12 | Medford | $1,590 |
| 13 | Quincy | $1,534 |
| 14 | Lowell | $1,511 |
| 15 | Cambridge | $1,506 |
| 16 | Weymouth | $1,491 |
| 17 | Chicopee | $1,455 |
| 18 | Taunton | $1,455 |
| 19 | Brookline | $1,428 |
| 20 | Haverhill | $1,424 |
| 21 | Framingham | $1,404 |
| 22 | Waltham | $1,395 |
| 23 | Peabody | $1,378 |
| 24 | Methuen | $1,348 |
| 25 | Newton | $1,310 |
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Table data uses estimated as specific Boston garaging address can revise insurance rates substantially.
Finding good, cost effective car insurance is easier said than done, and determining which companies have the most affordable auto insurance rates for 19 year olds will involve even more rate comparisons.
Every auto insurer uses their own method to set policy rates, so we’ll take a look at the lowest cost auto insurance companies in Massachusetts.
Cheapest Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | State Farm | $711 |
| 2 | National Grange Mutual | $807 |
| 3 | GEICO | $868 |
| 4 | OneBeacon | $885 |
| 5 | Commerce Group | $902 |
| 6 | Progressive | $1,019 |
| 7 | Arbella | $1,030 |
| 8 | Norfolk and Dedham | $1,046 |
| 9 | USAA | $1,076 |
| 10 | Amica | $1,098 |
| 11 | Quincy Mutual | $1,281 |
| 12 | Travelers | $1,310 |
| 13 | Vermont Mutual | $1,323 |
| 14 | Safety Group | $1,366 |
| 15 | Hanover | $1,386 |
| 16 | MetLife | $1,439 |
| 17 | Peerless | $1,457 |
| 18 | Plymouth Rock | $1,588 |
| 19 | Liberty Mutual | $1,753 |
| 20 | Allstate | $1,791 |
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State Farm quotes some of the lowest car insurance rates in Boston at around $711 each year. This is $524 less than the average policy premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group would also make the list of some of the more affordable Boston, MA car insurance companies.
As the rates illustrate above, if you have coverage with OneBeacon and switched to National Grange Mutual, you may realize a yearly savings of approximately $78. Massachusetts drivers with Commerce Group could save as much as $95 a year, and Progressive insureds might cut rates by $212 a year.
Remember that these estimates are averaged for all insureds and vehicles and do not factor in an exact zip code location for 19 year olds. So the company that can offer the best rates for your situation may not even be in the top 21 companies shown above. That helps illustrate why you need to get rate quotes from many companies using your own individual information.
Does it make sense to buy full coverage?
Buying cheaper auto insurance should be important to the majority of people, and one good way to find cheaper insurance for 19 year olds is to not pay for full coverage. The example below illustrates the difference between insurance costs with and without physical damage coverage. The premium estimates are based on a clean driving record, no claims, $100 deductibles, single status, and no additional discounts are factored in.
If averaged for all ages, physical damage coverage costs an extra $2,133 per year more than buying just liability insurance. That is a big expense that brings up the question if it’s a good idea to buy full coverage. There is no clear-cut rule for excluding comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
Get discounts on Boston car insurance
Auto insurance companies that provide policies for 19 year olds may additionally offer premium discounts that can lower rates by as much as 35% or more if you meet the requirements. The best auto insurance companies and the discounts they provide are included below.
- State Farm may offer discounts for good driver, defensive driving training, safe vehicle, accident-free, student away at school, and multiple policy.
- American Family includes discounts for accident-free, air bags, bundled insurance, defensive driver, good student, TimeAway discount, and mySafetyValet.
- AAA has discounts for pay-in-full, education and occupation, anti-theft, good student, AAA membership discount, and multi-car.
- GEICO may have discounts that include defensive driver, anti-lock brakes, air bags, anti-theft, and driver training.
- Mercury Insurance offers premium reductions for accident-free, good student, good driver, multi-car, low natural disaster claims, and type of vehicle.
- Farmers Insurance policyholders can earn discounts including early shopping, electronic funds transfer, pay in full, multi-car, distant student, and homeowner.
- Progressive offers discounts including online quote discount, multi-policy, multi-vehicle, online signing, and homeowner.
The information below shows the difference between insurance costs with and without discounts applied to the policy premium. The data is based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with homeowner, defensive driving course, vehicle safety, claim-free, passive restraint, and anti-theft discounts applied. With discounts applied, theamount saved on auto insurance for 19 year olds is 28% or $594.
Why you should compare rates
Boston, MA auto insurance rates are calculated based on many things that control the price you have to pay. Simply getting older, buying higher coverage limits, or getting a ticket for running a stop sign can trigger price changes that may make certain companies cheaper than others. Not only that, but auto insurance companies change premium rates as often as every quarter to adjust for gains or losses. A period of increased losses can cause increased rates, while a better loss history can produce lower-cost Boston car insurance rates.
For instance, the chart below shows rates for the cheapest car insurance in Boston, MA for a 35-year-old male driver with no accidents or violations, and a decent credit rating. If we look at prices based on his personal profile, State Farm might quote the lowest car insurance rates in Boston at $932 a year. This is $303 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon also make the list of the top five cheapest Boston, MA auto insurance companies.
The chart below compares rates after we give the driver from the above example a chargeable claim, poor credit, and a speeding ticket. Since each auto insurer uses their own formula to set policy rates, comparing insurance quotes may result in a different set of affordable Boston car insurance companies as shown below.
Arbella now has the lowest car insurance rate in Boston with USAA, Norfolk and Dedham, National Grange Mutual, and Amica now rounding out the top five. This shows why it is crucial to compare rates to find the lowest auto insurance quotes for 19 year olds. Auto insurance prices can be determined by many factors and change dramatically, so the most economical company six months ago may now be an over-priced policy.