Cheap Auto Insurance Quotes in Somerville, MA (2021)

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With a population of over 82,000, Somerville has grown by over eight percent in the last 10 years. This means more drivers are on the road daily in Somerville—finding their way through traffic to jobs, appointments, shopping, and family fun. With that many people on the road, accidents are bound to happen. Making sure you have a solid auto insurance policy in place can protect you and your family while driving in Massachusetts.

While watching out for other drivers is a top priority on the road, drivers in this state know all too well that crashes don’t always have to involve another person. In fact, in 2018, over 26 percent of all crashes in Massachusetts were single-vehicle crashes. Having the kind of car insurance that can protect you no matter what kind of accident you are in is important.

Car Insurance in Somerville, MA

The average cost of Massachusetts car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Somerville, MA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$102
$180
$192
GEICOLiberty MutualTravelers
Monthly $

Cheapest Car Insurance in Somerville, MA

Here are the cheapest carriers in Somerville for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Somerville, MA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Somerville. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$150
$137
$158
$161
$134
$158
MassachusettsBostonWorcesterSpringfieldLowellSomerville
Monthly $

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Somerville, 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.

Somerville Car Insurance Rates by Driver Age

Working teenagers should be able to pay a $256 per month car insurance payment and still have a little spending money left over. In Somerville, adding years behind the wheel means spending less on car insurance. So twentysomethings see a $90 cut compared to what the youngest drivers pay. From then on, everyone 30 and older beats the state average of $168. Those in their 60s snatch one of the lowest rates in the country, at $61, a price that’s less than a quarter of what teen drivers shell out.

Driving History
No Violation$119
Speeding Ticket$114
At-Fault Accident$109
Failure to Stop for Red Light / Stop Sign$121

Somerville Car Insurance Rates by Driving and Accident History

Bay Staters know that safe driving benefits the body and the wallet. Defensive drivers enjoy peace of mind, and insurance companies award them with “good driver” and “accident-free” discounts. So why do those with a speeding ticket or accident pay less than those with no violations? Drivers with offenses often buy bare-bones policies, opting for liability only and skipping comprehensive and collision coverage. All things being equal, the safest drivers pay the least. And even those with a mishap here or there can restore their records after three years of careful driving.

Somerville Car Insurance Rates by Credit Tier

Drivers have complained for years that their credit has nothing to do with their driving. The Bay State finally listened, and since the law changed, insurance companies are prohibited from using credit as a factor when setting rates. So why might those with good credit seem to get such a sweet deal? While still abiding by the law, insurance companies may target this group of drivers and give them unique discounts. Either way, moving from average to good credit might save drivers over $100 per month, or $1,200 per year.

Somerville, MA DMV Information

The Massachusetts Registry of Motor Vehicles (RMV) is in charge of driver licensing and vehicle services in the state. You can take care of many of these needs by visiting an RMV Service Center. In Massachusetts, AAA members can also renew their ID cards at any AAA location. There are 64 RMV Service Centers and AAA locations servicing Somerville, including some in Revere, Boston, and Watertown. Most are open Monday through Friday from 9 a.m. to 5 p.m. If you’d rather take care of business on your own time, there are over 40 DMV-related services you can take care of online.

Public Transportation in Somerville, MA

Somerville aims to become one of the most walkable, bikeable, and transit-accessible cities in the U.S. That said, there are plenty of options for getting around town. Like to cycle? Blue Bikes is a membership-based bikeshare partnership in the area. The town is so committed to this option that income-based pricing is available for eligible riders. Massachusetts Bay Transportation Authority (MBTA) buses also take people to and from stops throughout Somerville. The Ride is the name of the MBTA’s paratransit option. Two free local shuttles are also part of the city’s transportation system and a door-to-door option for eligible seniors.

Conclusion: How to get the best and cheapest car insurance in Somerville, MA

Accidents cost drivers a lot in Massachusetts. Not only do accident death rates rise year over year, but auto insurance claims amounting to millions of dollars translate to higher insurance rates statewide. These financial increases can leave policyholders wondering what they can do to reduce their insurance rates right now.

Rather than make phone call after phone call to individual insurance companies, Massachusetts drivers can use Insurify to compare dozens of insurance quotes in seconds. Insurify’s AI-driven comparison engine gets to know who you are first by asking a series of simple questions regarding your ride and your driving habits. Getting to know you this way enables Insurify to return you the best coverage and rates at a price you can afford.

Find local Somerville agents

John M Costello Insurance Agency
311 Highland Ave, Somerville, MA 02144
Garrett- Lynch Insurance Agcy
411 Highland Ave, Somerville, MA 02144
Transit Insurance Agency Inc
170 School Street, Somerville, MA 02145
H J Wiseman Agcy
415 Highland Ave, Somerville, MA 02144
Christopher Kokoras Insurance Agency, Inc
272 Broadway, Somerville, MA 02145
Wedgewood-Crane & Connolly Insurance
19 College Ave, Somerville, MA 02144
Amazonia Insurance
66 Bow St, Somerville, MA 02143
Andersen Insurance
317 Highland Ave, Somerville, MA 02144
Brasil Insurance
53 Union Square, Somerville, MA 02143
Richard George Insurance
317 Broadway, Somerville, MA 02145

Insurify Insights: How Somerville Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Somerville, MA
suspended licenses
#31
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 Somerville 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 Somerville

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. Somerville drivers rank 14 in the number of car accidents per driver across all cities in Massachusetts.

  • Rank within state: #14
  • Percent of drivers in Somerville with an accident: 12.66%
  • Drivers in Somerville, MA with an accident in their driving history paid on average -91.16% more than drivers with a clean record

Speeding Somerville

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Massachusetts, Somerville drivers rank 14 in the number of speeding infractions per driver.

  • Rank within state: #14
  • Percent of drivers in Somerville with a speeding ticket: 6.33%
  • Drivers in Somerville, MA with a speeding ticket in their driving history paid on average -82.31% more than drivers with a clean record

DUI/DWIs Somerville

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Somerville drivers rank 17 in the number of DUI’s per driver across all cities in Massachusetts.

  • Rank within state: #17
  • Percent of drivers in Somerville with a DUI: 0.84%
  • Drivers in Somerville, MA with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Somerville

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

Hybrid/Electric Vehicle Ownership Somerville

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Somerville drivers rank 6 in hybrid and electric vehicle ownership across all cities in Massachusetts.

  • Rank within state: #6
  • Percent of drivers in Somerville with a hybrid/electric vehicle: 2.05%

FAQs - Somerville, MA Car Insurance

Do I need personal injury protection (PIP) in Massachusetts?

Yes, PIP is a required type of coverage in Massachusetts. PIP insurance provides a minimum amount of insurance that the state has decided is adequate (on average) to pay someone’s medical bills resulting from an auto accident. Insurance companies pay PIP claims regardless of who caused the accident. Property damages are not covered by PIP and are the responsibility of the person who is found to be at fault. The minimum PIP required by the state of Massachusetts is $8,000.

What restrictions do Massachusetts learner’s permits have in the first year?

Massachusetts lifts restrictions on learner’s permits in stages to help newer drivers acclimate to driving responsibilities. The first year, the passenger seat must be occupied by a licensed driver who is at least 21 years old and has been legally driving for a least one year. Another first-year restriction is that drivers under the age of 18 are not allowed to drive between midnight and 5 a.m. without a parent or guardian.

Can my car insurance company deny a claim if I lied on my application?

It’s always important to tell your insurance provider everything—even if you think it may affect your premium. If you don’t tell the truth on your auto insurance application, it could spell big trouble for you. For example, insurance companies will ask you what the “garaging” address is for your car. Though it may be tempting to list another address (ZIP codes can affect price), if your car is damaged and you listed an incorrect garaging address, they can deny your claim. The same goes for listing out the licensed drivers who are likely to drive your vehicle and those who use your car regularly. Even after your application is complete, you should always report any changes to your insurance company immediately.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.