Car insurance for a new driver in Massachusetts costs roughly $1,500 to $5,400 per year, on average. The cost of car insurance for new drivers in Massachusetts varies widely depending on whether they are getting their own policy or being added to an existing policy.
It typically costs close to $2,400 per year to add a 16-year-old to their parents’ insurance in Massachusetts, compared to nearly $5,400 for a separate policy. The age of the driver also makes a difference in how much they’ll pay for coverage. Car insurance premiums decrease as drivers get older, and Massachusetts drivers in their 20s pay an average of about $1,500 annually.
Although new drivers pay more for car insurance due to their lack of experience, there are still ways to save money as they build their driving record. The easiest is to shop around to find the best deal. In Massachusetts, the cheapest car insurance companies for young, good drivers are State Farm, Geico and Allstate. You should also consider choosing a policy with a higher deductible to keep your premium low, and apply for every available discount that you qualify for.
Finally, insurance rates will usually start dropping after three years of good driving. So, maintaining a clean driving record is ultimately the best way for a new driver in Massachusetts to save money long-term.
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