Wouldn’t this article be short if we could tell you instantly the one auto insurance company that has the best insurance prices for a learners permit? Unfortunately, it’s not that simple as there are a ton of unknown aspects such as your credit rating, the crime level of your neighborhood, tickets or driving violations, and what coverage limits you need, that all go into determining the rate you pay. We know insurance is not everyone’s favorite topic, but in this article we will cover the best ways to avoid overpriced car insurance and will hopefully give you a solid foundation to find cheaper car insurance.
Finding good, cheap auto insurance is hard enough, and determining which company quotes the lowest-priced insurance rates for a learners permit will involve even more diligence.
Each insurance company has a different formula to set their prices, so we’ll go over the most affordable insurance companies in Boston.
Find Cheaper Car Insurance in Massachusetts
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | State Farm | $719 |
| 2 | National Grange Mutual | $831 |
| 3 | GEICO | $842 |
| 4 | Commerce Group | $875 |
| 5 | OneBeacon | $885 |
| 6 | Progressive | $1,019 |
| 7 | Norfolk and Dedham | $1,036 |
| 8 | Arbella | $1,040 |
| 9 | USAA | $1,076 |
| 10 | Amica | $1,142 |
| 11 | Travelers | $1,297 |
| 12 | Quincy Mutual | $1,320 |
| 13 | Vermont Mutual | $1,323 |
| 14 | Hanover | $1,345 |
| 15 | Safety Group | $1,352 |
| 16 | MetLife | $1,411 |
| 17 | Peerless | $1,457 |
| 18 | Plymouth Rock | $1,603 |
| 19 | Liberty Mutual | $1,753 |
| 20 | Allstate | $1,791 |
| Get a Custom Quote Go | ||
State Farm has some of the lowest car insurance rates in Boston at around $719 each year. This is $516 less than the average premium paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon would also make the list of some of the more affordable Boston, MA car insurance companies.
As depicted above, if you currently have a policy with GEICO and switched to State Farm, you may see annual savings of around $123. Massachusetts drivers with Commerce Group might save as much as $156 a year, and OneBeacon insureds might lower prices by up to $166 a year.
To find out how much you can save, click here to get quotes or click several companies below for low rates.
These premiums are averaged across all insureds and vehicles and do not factor in a specific location for a learners permit. So the insurer that fits your age and vehicle best may not even be in the top 21 companies shown above. That affirms the importance of why you need to get auto insurance quotes using your own driver and vehicle profiles.
For new drivers, one of the largest things that are looked at to help calculate the amount you pay for auto insurance is your address. Areas with more people or higher crime rates tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The table below ranks the most expensive places in Massachusetts for a learners permit to buy auto insurance in. Boston is listed at #7 with the yearly price of $1,752 for the average insured, which is approximately $146 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Revere | $2,127 |
| 2 | Brockton | $2,059 |
| 3 | Lynn | $1,939 |
| 4 | Springfield | $1,908 |
| 5 | Malden | $1,879 |
| 6 | Lawrence | $1,858 |
| 7 | Boston | $1,752 |
| 8 | New Bedford | $1,716 |
| 9 | Fall River | $1,700 |
| 10 | Worcester | $1,678 |
| 11 | Somerville | $1,648 |
| 12 | Medford | $1,622 |
| 13 | Lowell | $1,557 |
| 14 | Quincy | $1,534 |
| 15 | Chicopee | $1,515 |
| 16 | Cambridge | $1,506 |
| 17 | Weymouth | $1,461 |
| 18 | Taunton | $1,455 |
| 19 | Haverhill | $1,438 |
| 20 | Brookline | $1,428 |
| Compare Prices Now Go | ||
Annual rates are estimated as specific location information can impact rates significantly.
The car, truck, or SUV driven is probably the biggest factor that determines whether or not you find the best cheap insurance for a learners permit. Vehicles with economical engines, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than fast, unsafe models. The information below shows insurance rates for a selection of the more affordable vehicles to insure in Massachusetts.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $5,874 |
| Ford Escape XLS 4WD | $5,882 |
| Honda CR-V EX-L 2WD | $5,931 |
| Toyota Prius | $6,346 |
| Dodge Grand Caravan SE | $6,606 |
| Ford Focus SE 4-Dr Sedan | $6,909 |
| Toyota Tacoma Double Cab 4WD | $6,966 |
| Chevrolet Equinox LT 2WD | $6,975 |
| GMC Sierra SL Extended Cab 2WD | $6,966 |
| Nissan Altima 2.5 4-Dr Sedan | $6,973 |
| Chevrolet Impala LT | $6,966 |
| Toyota RAV4 Sport 4WD | $6,974 |
| Ford Explorer Limited AWD | $7,021 |
| Ford F-150 Lariat Super Cab 2WD | $7,029 |
| Chevrolet Malibu LT | $7,021 |
| Start a Quote Go | |
Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in specific location information which can alter rates substantially.
By looking at the data, you can expect makes and models like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Dodge Grand Caravan are most likely to be a few of the most affordable vehicles to insure for new drivers. Rates will be more expensive just because there is more inherent risk for a learners permit, but generally speaking those particular vehicles will probably have the best rates that you are likely to find.
Discount Boston insurance
Car insurance companies that offer coverage for a learners permit may provide discounts that could potentially reduce rates by 40% or more if you meet the requirements. A list of insurance companies and some of the premium reductions they offer are outlined below.
- Progressive includes discounts for continuous coverage, multi-vehicle, online quote discount, homeowner, and online signing.
- Farmers Insurance may have discounts that include pay in full, multi-car, homeowner, good student, mature driver, youthful driver, and early shopping.
- Farm Bureau offers premium reductions for 55 and retired, youthful driver, renewal discount, multi-vehicle, good student, multi-policy, and safe driver.
- State Farm offers discounts for Steer Clear safe driver discount, anti-theft, passive restraint, multiple policy, accident-free, multiple autos, and good student.
- GEICO has savings for good student, anti-theft, membership and employees, anti-lock brakes, driver training, and seat belt use.
- SAFECO may include discounts for teen safety rewards, bundle discounts, teen safe driver, anti-lock brakes, and homeowner.
- Liberty Mutual discounts include hybrid vehicle, newly married, new graduate, new vehicle discount, and multi-policy.
The example below shows the difference between auto insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, a clean driving record, no claims, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with paperless filing, vehicle safety, passive restraint, anti-theft, paid-in-full, and good student discounts applied. With discounts applied, theamount saved on insurance for a learners permit is 28% or $522.
The information below highlights how deductible selection can change insurance rates when trying to find cheap insurance for a learners permit. The price estimates are based on a single female driver, full physical damage coverage, and no discounts are applied.
A 40-year-old driver could lower their policy premium by $266 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $400 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old example, could roll back prices as much as $672 or even more just by choosing larger deductibles. If you make the decision to raise deductibles, it will now be necessary to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Massachusetts insurance companies ranked
Buying coverage from a good quality car insurance provider is hard considering how many companies provide coverage in Massachusetts. The company information listed below may help you decide which car insurance providers you want to consider when trying find the best insurance for a learners permit.
The rankings below are for the largest auto insurers in America, so companies that focus mainly on Massachusetts business are not taken into consideration for the list. If you would like to check rates from these and other top-rated companies, click here.
Top 10 Major Auto Insurers in Boston Ranked by Customer Service
- The Hartford
- American Family
- Progressive
- GEICO
- USAA
- State Farm
- Travelers
- Farmers Insurance
- Allstate
- Safeco Insurance