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Estimating the Average Cost of Car Insurance in Massachusetts

February 15, 2023


Car insurance in Massachusetts varies depending on several factors that could impact the price. Likewise, auto insurance rates could swing up and down, and it is always essential to find the best deals. If you’re looking for the best deals for car insurance in Massachusetts, you should consider the average car insurance rates in MA to know what to expect.

Finding Rates for Car Insurance in Massachusetts

You need to know that costs can vary. Likewise, you must have a solid driving record, along with other important traits that help determine the rate.

Auto Insurance Costs Can Vary

You already know that auto insurance in Massachusetts is less expensive than it would be elsewhere. Why is this the case, though? Sources report that Massachusetts drivers may pay $446 annually for the minimum state-required coverage or $1,296 annually for a policy with full coverage. Both figures are substantially below the national average, but it’s difficult to pinpoint any single reason for this phenomenon. Massachusetts drivers with good records are likely to see even lower rates.

Your Driving Record Plays a Role

Your driving history is one of the most significant factors determining how much you pay for auto insurance in Massachusetts. Massachusetts is one of just 12 no-fault states. It means drivers are liable for covering the damages in an accident regardless of who caused the collision. Despite this, having an at-fault accident on your record will likely result in higher premiums for your car insurance policy. It is also true of infractions such as speeding citations and reckless driving charges.

Other Personal Traits Have an Impact Too

You may assume that an insurer calculates your rates based solely on your driving history, but many other factors also determine your rates. For example, you may pay more for auto insurance if you are under 25 or over 70. Insurance companies consider these drivers to incur more risk because they are statistically more likely to experience accidents. Similarly, unmarried drivers will typically pay more because statistics indicate that they are also more likely to get into collisions.

Most Policies Are Automatically Underwritten

When you realize all the different factors that determine your car insurance rates, it’s difficult to estimate accurately how much you will pay for your car insurance. This task is also difficult for insurers — most Massachusetts insurance companies no longer manually underwrite policies. Instead, many insurers outsource underwriting to an algorithm that automatically calculates your risk and generates a quote for your policy’s premium. It doesn’t impact the price of your auto insurance, but it may alleviate any fears of unfairness in the underwriting process.

Get the Right Auto Insurance Coverage

There’s no easy way to estimate the cost of your car insurance. If you want to know how much you need to budget for auto insurance in Massachusetts, the best solution is to request quotes from a few insurers. These quotes are commitment-free, and shopping around allows you to find the best price for coverage. Enjoy the affordable insurance rates in Massachusetts and keep your premium low by driving safely.

About E.J. O’Neil Insurance Agency

Since 1898, E.J. O’Neil Insurance Agency has provided homeowners with reliable coverage and high-quality customer service. Today, we offer a variety of policies, including commercial, boat, automobile, homeowners, motorcycle and renters insurance. Quotes are free by phone or online request, and we can provide notary and other services at our location. We pride ourselves on caring for customers when they need it most, proving it with over $3.2 million in claims paid over 12 months. To find the right coverage for your need, call 413-594-4757 or visit us online.