Cheap Auto Insurance Quotes in Haverhill, MA (January 2022)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Bay State.

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes
Last Updated: January 2022

Car Insurance in Haverhill, MA

Massachusetts requires drivers to have car insurance coverage. Located 35 miles outside of Boston and on the New Hampshire border, Haverhill, MA gets an overflow of New England drivers coming from the city in addition to local traffic. With all the cars on the road, it's important for Haverhill drivers to get the best auto insurance policy to stay safe and legal.

On average, Massachusetts car insurance rates are lower than the national average, costing drivers $168 per month. But Massachusetts residents can find cheaper auto insurance rates if they know where to look. Use Insurify to compare customized car insurance quotes without ever having to spend hours on the phone with insurance agents.

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Haverhill, MA and other Massachusetts cities. Here is how Haverhill compares to other cities around the state.

$57
$123
$174
TravelersMidvale Home & AutoLiberty Mutual

Cheapest Car Insurance in Haverhill, MA

To find the cheapest auto insurance coverage, you need to shop around and compare multiple quotes from different insurance agencies in Haverhill. Quotes will vary between insurance providers because they weigh factors such as your driving record, your age, and your credit score a little differently.

Although the following are the cheapest insurance providers in Haverhill on average, you should always compare car insurance quotes from multiple auto insurance companies to find the best policy for your unique insurance needs.

Best Car Insurance in Haverhill, MA

Price isn’t the only factor to consider when choosing an insurance provider. You’ll also want to consider the types of coverage, discounts offered, financial strength of the company, and customer reviews. We evaluated a range of financial strength and customer satisfaction indicators to determine the best car insurance companies in Haverhill. See our results below.

Average Car Insurance Cost

$142
$137
$158
$161
$134
$118
MassachusettsBostonWorcesterSpringfieldLowellHaverhill
Click here to learn about car insurance quotes and save on your current policy.

Haverhill, MA Driving Facts

massachusetts

Minimum Car Insurance Requirements in MA

The state of Massachusetts requires all motor vehicle operators to have proof of insurance available in the car at all times.

The minimum bodily injury liability insurance requirements in Massachusetts are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits Massachusetts state law requires are $20,000 for the injury or death of a single person involved in a car accident and $40,000 for the injury or death of multiple persons. Insurance providers list this coverage at 20/40, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $40,000 are your responsibility.

The minimum property damage liability insurance requirements in Massachusetts are:

  • $5,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of Massachusetts requires $5,000 for the minimum. You’ll see the collective state minimum listed at 20/40/5. The 5 refers to the property damage liability. Once again, any damages above the $5,000 are your responsibility.

  • $8,000 personal injury protection (PIP) per person per accident

Massachusetts is a no-fault state, so personal injury protection (also called No-Fault) is mandatory coverage for all drivers. Massachusetts PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $8,000 for the minimum coverage requirements. 

What happens if a driver hits you without insurance? The state requires uninsured motorist coverage:

  • $20,000 uninsured motorist bodily per person
  • $40,000 uninsured motorist bodily per accident

Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Haverhill Car Insurance Rates by Driver Age

One of the first factors insurance providers look at when determining your rate is your age. That’s because teens and younger drivers are more likely to get into accidents and insurance companies view them as a higher risk to insure. As a result, young drivers pay the highest premiums whereas more mature drivers in their 50s and 60s see the lowest rates.

Haverhill Car Insurance Rates by Driving and Accident History

If you have infractions on your driving record, insurance companies will consider you a high-risk driver. DUIs, speeding tickets, at-fault accidents, and other driving infractions can all drive up your rates. You can compare average car insurance costs for drivers with different driving histories below.

Haverhill Car Insurance Rates by Credit Tier

Under Massachusetts law, auto insurance companies are prohibited from using applicants’ credit-based insurance scores to determine their car insurance rates. If you have bad credit, that shouldn’t impact the cost of your insurance policy in Haverhill. Home insurance and renters insurance rates are also not affected by credit scores in Massachusetts.

Haverhill, MA DMV Information

The RMV office in Haverhill is open Monday through Friday from 9 a.m. to 5 p.m. and offers driver’s licenses, learner’s permits, vehicle registration, and title transactions. You can schedule an appointment to ensure that you won’t face a long wait time, but walk-ins are also welcome. The Haverhill RMV is located at:
229c Lincoln Ave
Haverhill, MA 01830
(857) 368-8000

Public Transportation in Haverhill, MA

Haverhill is fairly walkable, bikeable, and even motorcycle friendly, and public transportation options are available as well. The Merrimack Valley Regional Transit Authority has over one million miles of scheduled bus routes in the northeast corner of Massachusetts. Haverhill also has Amtrak routes available for longer commutes.

If you don’t want to drive your own vehicle but want more privacy on your commute, Lyft and Uber are available in Haverhill. However, the majority of Haverhill residents choose to use their own personal vehicle to get from point A to point B.

How to get the cheapest car insurance in Haverhill, MA

Whether you’re looking for minimum coverage or full coverage with the ability to bundle your auto insurance policy with your renters or homeowners insurance, you can find a cheap car insurance policy by comparing quotes with Insurify. Our AI technology provides you with quotes from national providers such as Allstate and from local insurance companies in your area.

Let us make buying all of your insurance products easy. With Insurify, simply enter some information about your vehicle and driving history to get started. It’s completely free to use, it takes under five minutes, and the average Insurify user saves $585 annually just by switching to a provider they found with our system.

Find local Haverhill agents

Brian S. Dempsey Insurance Agency, LLC
60 Bailey Boulevard, Haverhill, MA 01830
Cowan Insurance Agency
359 Main St, Haverhill, MA 01830
N Pingree Insurance Agency Inc
126 Merrimack St, Haverhill, MA 01830
Berube Insurance Agency, Inc.
57 Broadway, Haverhill, MA 01832
Fred C Church Inc.
40 Kenoza Avenue, Haverhill, MA 01831
MTM Insurance of Greater Haverhill Inc.
2 Merrimack St Fifth Floor Suite B, Haverhill, MA 01835
American Consumer Insurance Agency
145 SOUTH MAIN STREET, Haverhill, MA 01835
AAA Northeast Insurance Agency Inc
90 Kenoza Ave, Haverhill, MA 01830
Phaneuf Insurance Agency Inc
123 Lafayette Sq, Haverhill, MA 01831
James Page Insurance Agency Inc
191 Merrimack St Suite 306, Haverhill, MA 01830

Insurify Insights: How Haverhill Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Haverhill, MA
suspended licenses
#11
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Haverhill drivers measure up to their fellow Massachusetts motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Haverhill

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Haverhill drivers rank 19 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #19
  • Percent of drivers in Haverhill with an accident: 11.66%
  • Drivers in Haverhill, MA with an accident in their driving history paid on average 8.89% more than drivers with a clean record

Speeding in Haverhill

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Haverhill drivers rank 3 in the number of speeding infractions per driver.

  • Rank within state: #3
  • Percent of drivers in Haverhill with a speeding ticket: 8.83%
  • Drivers in Haverhill, MA with a speeding ticket in their driving history paid on average -89.63% more than drivers with a clean record

DUI/DWIs in Haverhill

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Haverhill drivers rank 3 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #3
  • Percent of drivers in Haverhill with a DUI: 1.77%
  • Drivers in Haverhill, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Haverhill

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Haverhill is the Honda Civic.

Hybrid/Electric Vehicle Ownership in Haverhill

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Haverhill drivers rank 17 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #17
  • Percent of drivers in Haverhill with a hybrid/electric vehicle: 0.95%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


Full starFull starFull starFull starFull star
3688 Reviews

Insurify is rated 4.8 out of 5 based on 3688 customer reviews.
With over 30,109,648 quotes provided, we have helped thousands of customers save time and money!