Wouldn’t it be perfect if you could know instantly the exact company that has the lowest car insurance rates for uninsured drivers? Regrettably, it’s not quite that easy, as there are a whole slew of unknown elements such as citations or tickets, how experienced of a driver you are, the performance level of your vehicle, and if you want full coverage included, that all have an effect on the price. The information below covers the best ways to avoid paying too much and educate you enough to have some help in finding cheaper rates.
One of the more important things that determine insurance cost is your zip code. Cities with larger populations or higher claim trends are more likely to have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The illustration below sorts the highest-priced areas in Massachusetts for uninsured drivers to buy auto insurance in. Boston is ranked #7 having an annual price of $1,805 on average, which is approximately $150 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Revere | $2,192 |
| 2 | Brockton | $2,122 |
| 3 | Malden | $1,936 |
| 4 | Lynn | $1,920 |
| 5 | Lawrence | $1,915 |
| 6 | Springfield | $1,908 |
| 7 | Boston | $1,805 |
| 8 | New Bedford | $1,768 |
| 9 | Worcester | $1,729 |
| 10 | Fall River | $1,717 |
| 11 | Somerville | $1,648 |
| 12 | Medford | $1,574 |
| 13 | Lowell | $1,557 |
| 14 | Quincy | $1,534 |
| 15 | Chicopee | $1,515 |
| 16 | Cambridge | $1,491 |
| 17 | Weymouth | $1,491 |
| 18 | Haverhill | $1,482 |
| 19 | Brookline | $1,442 |
| 20 | Taunton | $1,412 |
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Prices are comparative as specific Boston garaging address can alter price quotes greatly.
The type of vehicle you are buying coverage for is one of the largest factors that determines the availability of economical coverage for uninsured drivers. Vehicles with high performance, poor passenger safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next table presents coverage costs for some of the most economical automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford F-150 XLT Regular Cab 2WD | $1,431 |
| Ford Explorer XLT 2WD | $1,460 |
| Dodge Grand Caravan CV | $1,467 |
| Honda CR-V LX 4WD | $1,475 |
| Ford Edge SEL AWD | $1,514 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,573 |
| Ford Escape Limited 4WD | $1,593 |
| Toyota Corolla LE | $1,627 |
| Honda Odyssey EX-L W/Navigation | $1,633 |
| Toyota Prius | $1,632 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,653 |
| GMC Sierra 2500HD SLE Regular Cab 4WD | $1,658 |
| Jeep Grand Cherokee Limited 4WD | $1,663 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,660 |
| Chevrolet Silverado LS Regular Cab 2WD | $1,681 |
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Estimates do not factor in zip code location which can alter rates significantly.
Looking at the numbers, you can figure that models like the Ford F-150, Ford Explorer, Dodge Grand Caravan, and Honda CR-V are some of the most affordable vehicles to insure for drivers with no prior coverage.
Deciding which companies offer the best insurance rates for uninsured drivers calls for a bit more effort in order to find the lowest price.
Every car insurance company uses a slightly different approach to establish rates, so we will examine the insurance companies with the most affordable rates in Boston, MA.
Lowest Insurance Price Quotes in Massachusetts
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | State Farm | $711 |
| 2 | National Grange Mutual | $807 |
| 3 | GEICO | $850 |
| 4 | OneBeacon | $876 |
| 5 | Commerce Group | $884 |
| 6 | Progressive | $1,029 |
| 7 | Arbella | $1,040 |
| 8 | USAA | $1,044 |
| 9 | Norfolk and Dedham | $1,046 |
| 10 | Amica | $1,142 |
| 11 | Vermont Mutual | $1,284 |
| 12 | Quincy Mutual | $1,333 |
| 13 | Travelers | $1,349 |
| 14 | Safety Group | $1,352 |
| 15 | Hanover | $1,386 |
| 16 | Peerless | $1,414 |
| 17 | MetLife | $1,439 |
| 18 | Plymouth Rock | $1,588 |
| 19 | Allstate | $1,738 |
| 20 | Liberty Mutual | $1,753 |
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State Farm may offer some of the lowest car insurance rates in Boston at around $711 annually. This is $524 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, OneBeacon, and Commerce Group also are some of the more affordable Boston, MA auto insurance companies.
As depicted above, if you currently buy coverage from OneBeacon and switched to National Grange Mutual, you might realize a yearly savings of about $69. Insureds with Commerce Group may save as much as $77 a year, and Progressive insureds might realize rate reductions of up to $222 a year.
To see how much you can save, click here to start a quote or visit several of the following companies.
These rates are averaged across all drivers and vehicles and do not factor in a specific location for uninsured drivers. So the insurer that is best suited for you may not even be in the top 21 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
The information below demonstrates how deductible levels can impact insurance rates when getting quotes for cheap insurance for uninsured drivers. The price estimates are based on a single male driver, full coverage, and no discounts are taken into consideration.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $276 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $416 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates up to $902 annually just by choosing higher deductibles when buying full coverage. If you do decide to increase your deductibles, it is important to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Insurance rate increases from tickets or accidents
The easiest method to maintain low insurance premiums in Massachusetts for drivers with no prior coverage is to drive safely and avoid at-fault accidents and violations. The illustration below demonstrates how traffic citations and accident claims can impact insurance prices for each age group. The premiums assume a married male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The chart shows that the average cost of auto insurance per year with no accidents and a clean driving record is $1,501. Factor in one speeding ticket and the average cost rises to $1,723, an increase of $221 each year. Now add in one accident along with the one speeding ticket and the 12-month cost of insurance for uninsured drivers goes up to an average of $2,342. That’s an increase of $841, or $70 per month, just for not paying attention while driving!
How to find cheaper auto insurance for uninsured drivers
Lowering your rates is not difficult, and here are many thrifty ideas that can help you quote low-cost auto insurance.
- Safe vehicles cost less to insure
- If your vehicles are older, consider dropping full coverage
- Higher comprehensive and collision coverage deductibles will save money
- Clean up your credit
- Serious violations like DUI or reckless driving can increase rates dramatically
- Being accident-free can lower rates significantly
- Compare rates often to find the best deal
The last tip is especially critical, as was discussed in the prior article. Prices charged by auto insurers adjust often, so drivers shouldn’t be reluctant to buy a policy from a new company if a lower-cost policy is available.
Having a favorite company is great, but it’s not a good idea if that dedication is costing several hundred dollars every year. Spend a few minutes and shop around to find cheaper insurance for uninsured drivers in Boston.