Car Insurance for Good Drivers in Massachusetts

The Zebra
July 15, 2019

Auto insurance for good drivers in Massachusetts

Some of the factors contributing to car insurance rates are out of your control, including your gender, age, and location. But there are a few factors you can control if you're looking for more affordable rates.

If you're looking for affordable car insurance, try to keep your driving history clean, your credit score solid, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who pose the least risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

Looking for car insurance as a low-risk driver in Massachusetts? Get started by checking out some sample rates below!

Car insurance for citation-free drivers in Massachusetts

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Insurers view safe drivers as less risky customers, in turn charging them less. If you remain on the right side of the law, you could enjoy lower auto insurance rates.

If you're citation-free, start your search for insurance with Norfolk and Dedham Group, with an average annual rate of $973. That totals $354less than the average car insurance rate for drivers without driving violations in Massachusetts.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH NO VIOLATIONS IN MASSACHUSETTS
Insurance CompanyAvg. Annual Auto Insurance Rate
Norfolk and Dedham Group$973
GEICO$978
Plymouth Rock Assurance$995
Safety Group$1,017
Arbella Insurance Group$1,151
National Grange Mutual$1,213
Quincy Mutual$1,254
Progressive$1,372

Auto insurance rates for drivers with high credit scores in Massachusetts

Insurers reward clients who maintain a solid credit history. Insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If you have a "good" credit score (670-739), your best option for car insurance might be Norfolk and Dedham Group, providing an average rate of $973. If your credit score is even better (in the "excellent" range), Plymouth Rock Assurance could be a good company with which to start your search. Plymouth Rock Assurance's rates for drivers who have credit scores of 800 and up are $754 per year less than the typical car insurance rate for drivers with excellent credit in Massachusetts.

Find below a breakdown of auto insurance rates in Massachusetts for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MASSACHUSETTS
Insurance CompanyAvg. Annual Auto Insurance Rate
Norfolk and Dedham Group$973
GEICO$978
Plymouth Rock Assurance$995
Safety Group$1,017
Arbella Insurance Group$1,151
National Grange Mutual$1,213
Quincy Mutual$1,254
Progressive$1,372

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MASSACHUSETTS
Insurance CompanyAvg. Annual Auto Insurance Rate
Plymouth Rock Assurance$716
GEICO$850
Norfolk and Dedham Group$973
Safety Group$1,017
Arbella Insurance Group$1,030
National Grange Mutual$1,213
Quincy Mutual$1,254
Progressive$1,372

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MASSACHUSETTS
Insurance CompanyAvg. Annual Auto Insurance Rate
Plymouth Rock Assurance$523
GEICO$600
Arbella Insurance Group$916
Norfolk and Dedham Group$973
Safety Group$1,017
National Grange Mutual$1,213
Quincy Mutual$1,254
Progressive$1,372

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Car insurance for low-mileage drivers in Massachusetts

The fewer miles you drive, the less likely you are to file an insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers less. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. Exactly how much you can save by driving fewer miles comes down to your insurance company's pricing practices.

If you're a resident of Massachusetts who doesn't rack up major mileage, consider GEICO, which offers average annual savings of $469 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MASSACHUSETTS
Insurance CompanyAvg. Annual Auto Insurance Rate
GEICO$858
Norfolk and Dedham Group$866
Safety Group$905
Plymouth Rock Assurance$995
Arbella Insurance Group$1,049
National Grange Mutual$1,108
Quincy Mutual$1,118
Hanover$1,252

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Good driver insurance rates in Massachusetts — in major cities

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Auto insurance companies price policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a summary of auto insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Cambridge$969$969$841$593$941
Boston$1,132$1,132$987$698$1,101
Lowell$1,222$1,222$1,062$747$1,189
Worcester$1,470$1,470$1,280$904$1,430
Springfield$1,604$1,604$1,393$980$1,558

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