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.
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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:
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:
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.
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:
Uninsured motorists bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.
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.
|Failure to Stop for Red Light / Stop Sign||$121|
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.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.