Best Somerville, Massachusetts Auto Insurance in 2024
The average Somerville, MA auto insurance rates are $298 per month. The minimum auto insurance in Somerville is at least 20/40/5 in coverage to comply with Massachusetts auto insurance laws. To find the best cheap auto insurance in Somerville, Massachusetts, compare quotes from multiple companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Somerville, MA for senior drivers are $2,309 per year
- The minimum auto insurance required in Somerville, Massachusetts is 20/40/5
- The most expensive auto insurance company in Somerville for teen drivers is Progressive
Somerville, Massachusetts auto insurance requirements are 20/40/5 according to Massachusetts auto insurance laws. Finding cheap auto insurance in Somerville can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Somerville, Massachusetts, including driving record, credit, commute time, and more.
Compare auto insurance in Somerville to other Massachusetts cities, including Brockton auto insurance rates, Lowell auto insurance rates, and Worcester auto insurance rates to see how Somerville, Massachusetts auto insurance rates stack up.
Before you buy Somerville, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Somerville, Massachusetts auto insurance quotes.
Minimum Auto Insurance in Somerville, Massachusetts
Somerville, Massachusetts auto insurance laws require that you have at least the Massachusetts minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Somerville, Massachusetts.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Somerville, Massachusetts Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Somerville, Massachusetts are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,560 | $2,560 | $2,560 | $2,560 | $7,641 | $7,641 | $2,871 | $2,871 |
| Geico | $2,192 | $2,192 | $2,024 | $2,024 | $5,696 | $5,696 | $2,280 | $2,280 |
| Liberty Mutual | $3,562 | $3,562 | $3,101 | $3,101 | $9,922 | $9,922 | $3,727 | $3,727 |
| Progressive | $2,822 | $2,822 | $2,704 | $2,704 | $10,866 | $10,866 | $3,062 | $3,062 |
| State Farm | $1,205 | $1,205 | $1,205 | $1,205 | $3,081 | $3,081 | $1,205 | $1,205 |
| Travelers | $3,205 | $3,205 | $2,822 | $2,822 | $6,581 | $6,581 | $3,561 | $3,561 |
| USAA | $1,775 | $1,775 | $1,748 | $1,748 | $4,199 | $4,199 | $1,964 | $1,964 |
Cheap Somerville, Massachusetts Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Somerville, Massachusetts is a challenge. Take a look at the annual teen auto insurance rates in Somerville, Massachusetts.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,641 | $7,641 |
| Geico | $5,696 | $5,696 |
| Liberty Mutual | $9,922 | $9,922 |
| Progressive | $10,866 | $10,866 |
| State Farm | $3,081 | $3,081 |
| Travelers | $6,581 | $6,581 |
| USAA | $4,199 | $4,199 |
Cheap Somerville, Massachusetts Auto Insurance for Seniors
What are senior auto insurance rates in Somerville, Massachusetts? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,560 | $2,560 |
| Geico | $2,024 | $2,024 |
| Liberty Mutual | $3,101 | $3,101 |
| Progressive | $2,704 | $2,704 |
| State Farm | $1,205 | $1,205 |
| Travelers | $2,822 | $2,822 |
| USAA | $1,748 | $1,748 |
Cheap Somerville, Massachusetts Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Somerville, Massachusetts compared to the annual auto insurance rates with a clean record in Somerville, Massachusetts.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,008 | $4,530 | $5,086 | $3,008 |
| Geico | $2,453 | $3,344 | $3,803 | $2,592 |
| Liberty Mutual | $3,973 | $5,481 | $6,591 | $4,267 |
| Progressive | $4,077 | $5,770 | $4,561 | $5,046 |
| State Farm | $1,319 | $1,809 | $2,151 | $1,417 |
| Travelers | $3,141 | $4,364 | $4,661 | $4,003 |
| USAA | $1,716 | $2,237 | $3,810 | $1,922 |
Cheap Somerville, Massachusetts Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Somerville, Massachusetts is not easy. Compare the annual rates for DUI auto insurance in Somerville, Massachusetts to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,086 |
| Geico | $3,803 |
| Liberty Mutual | $6,591 |
| Progressive | $4,561 |
| State Farm | $2,151 |
| Travelers | $4,661 |
| USAA | $3,810 |
Cheap Somerville, Massachusetts Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Somerville, Massachusetts can vary. Compare the annual cost of auto insurance by ZIP code in Somerville, Massachusetts to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 2143 | $3,576 |
| 2144 | $3,576 |
| 2145 | $3,576 |
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Cheap Somerville, Massachusetts Auto Insurance Rates By Commute
Commute length and annual mileage affect Somerville, Massachusetts auto insurance. Find the cheapest annual Somerville, Massachusetts auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $3,780 | $4,036 |
| Geico | $3,002 | $3,095 |
| Liberty Mutual | $4,880 | $5,276 |
| Progressive | $4,864 | $4,864 |
| State Farm | $1,635 | $1,713 |
| Travelers | $3,848 | $4,237 |
| USAA | $2,354 | $2,489 |
Cheap Somerville, Massachusetts Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Somerville, Massachusetts? Check out the comparison of annual Somerville, Massachusetts auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,597 | $3,973 | $4,153 |
| Geico | $2,794 | $3,107 | $3,243 |
| Liberty Mutual | $4,736 | $5,146 | $5,352 |
| Progressive | $4,461 | $4,960 | $5,169 |
| State Farm | $1,517 | $1,704 | $1,801 |
| Travelers | $3,652 | $4,127 | $4,348 |
| USAA | $2,243 | $2,461 | $2,560 |
Best By Category: Cheapest Auto Insurance in Somerville, Massachusetts
Compare the cheapest auto insurance companies in Somerville, Massachusetts in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | State Farm |
| With 1 Accident | State Farm |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | State Farm |
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The Cheapest Somerville, Massachusetts Auto Insurance Companies
What auto insurance companies in Somerville, Massachusetts are the cheapest? Compare the top Somerville, Massachusetts auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,908 |
| Geico | $3,048 |
| Liberty Mutual | $5,078 |
| Progressive | $4,864 |
| State Farm | $1,674 |
| Travelers | $4,042 |
| USAA | $2,421 |
What affects auto insurance rates in Somerville, Massachusetts?
There are a lot of reasons why auto insurance rates in Somerville, Massachusetts are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Somerville, Massachusetts. Many local factors may affect your Somerville auto insurance rates.
Somerville Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Somerville, Massachusetts commute length is 32.6 minutes according to City-Data.
Compare Somerville, Massachusetts Auto Insurance Quotes
Before you buy Somerville, Massachusetts auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Somerville, Massachusetts auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What are the minimum auto insurance requirements in Somerville, Massachusetts?
The minimum auto insurance coverage required in Somerville, Massachusetts is 20/40/5, as mandated by Massachusetts auto insurance laws.
How does age, gender, and marital status affect auto insurance rates in Somerville, Massachusetts?
Auto insurance rates in Somerville, Massachusetts are influenced by age, gender, and marital status. Different demographics can impact the annual cost of insurance.
What are the average auto insurance rates for teen drivers in Somerville, Massachusetts?
Finding cheap auto insurance for teen drivers in Somerville, Massachusetts can be challenging. The annual rates for teen auto insurance tend to be higher compared to other age groups.
What are the average auto insurance rates for senior drivers in Somerville, Massachusetts?
The average auto insurance rates for senior drivers in Somerville, Massachusetts can vary. It’s recommended to compare rates to find the best deal.
How does driving record affect auto insurance rates in Somerville, Massachusetts?
Your driving record has a significant impact on your auto insurance rates in Somerville, Massachusetts. Having a clean record generally leads to lower rates, while a bad record can result in higher premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.