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Cheap Auto Insurance Quotes in Watertown, MA, for August 2022

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Charlie Mitchell

By: Charlie Mitchell

Edited by Danny Smith

Last Updated July 21, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Quick Facts

  • The average cost of car insurance in Watertown is $128 per month or $1,536 annually.
  • Car insurance in Watertown is $61 less than the average monthly cost in Massachusetts.
  • The cheapest car insurance provider in Watertown on average is Travelers.

Car Insurance in Watertown, MA

Drivers in Watertown, a charming city on the outskirts of Boston, MA, need cheap auto insurance to stay protected—especially for busy commutes on the Mass Pike. Here’s your guide to the auto insurance agencies with the lowest premiums in Watertown and how to get the best deal for you. Remember, always compare car insurance companies before buying a policy.

Quotes by Top Companies

Travelers
$67
Midvale Home & Auto
$130
Liberty Mutual
$180

Cheapest Car Insurance in Watertown, MA

What is the cheapest car insurance in Watertown?

Travelers is the cheapest top car insurance provider on average in Watertown, with rates starting at $67 per month. It’s still important to compare car insurance rates, as everyone’s situation is unique.

In the table below, you’ll find a sampling of Watertown auto insurance quotes. You can see that Travelers offers the cheapest premium by far. But keep in mind: these are averages. Every insurance company offers different rates to different drivers, so to find the cheapest policy for you, it pays to shop around.

Insurance CompanyAverage Monthly Quote
Travelers$67
Midvale Home & Auto$130
Liberty Mutual$180
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in Massachusetts

Each state has unique laws regarding the minimum car insurance required for its drivers. In Massachusetts, drivers must carry both bodily injury and personal injury protection, as well as property damage coverage[1]. Read more on Massachusetts’ minimum car insurance requirements.

Watertown Car Insurance Rates by Driving and Accident History

Insurance companies set your liability insurance premiums based on how likely they think you are to get into an accident. If you have a prior accident, speeding ticket, or other violation on your driving record, you’re generally in for a higher cost of insurance[2]. See how particular violations affect average rates in Watertown:

Driver HistoryAverage Monthly Cost
Clean Record$139
Speeding Ticket$182
At-Fault Accident$203
DUI$277
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Watertown Car Insurance Rates by Credit Tier

Have you heard that a good credit score will get you cheaper car insurance? In Watertown, don’t be so sure. Massachusetts law prohibits auto insurance companies from taking your credit score into account when setting your rates[3]. So if your credit score isn’t the best, don’t stress over it when it comes to car insurance.

How to Get the Cheapest Car Insurance in Watertown

To find affordable insurance coverage in Watertown, the key is comparison-shopping. Your insurance needs, credit score, and driving record all help determine which auto insurance companies make the best fit. With Insurify, you’ll get personalized quotes from the top providers in your city in just a few minutes so you can compare them side by side.

Drivers should also seriously consider bundling their auto insurance with renters insurance or home insurance since many insurance providers offer significant discounts for this, as well as a plethora of other discounts that are worth looking into.

Frequently Asked Questions

  • On average, Travelers offers the cheapest car insurance in Watertown, according to Insurify’s database. But to match your insurance needs with the lowest premium you can find, it’s best to compare car insurance quotes from at least a few companies. Every driver, vehicle, and potential insurance policy is different. So make sure to shop around.

  • Watertown car insurance costs $128 per month on average or $1,536 per year. Luckily, most Massachusetts drivers can access fairly affordable car insurance, so a cheap premium is a great opportunity to go beyond minimum coverage and opt for a policy that will afford you wraparound coverage to help you in many types of accidents.

  • If your insurance company sees a DUI, at-fault accident, speeding ticket, or moving violation on your record, it’s much more likely to charge you higher rates. Additionally, auto insurance customers pay more if they have high insurance needs, like an expensive car with comprehensive coverage or high liability insurance or personal injury protection limits.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Charlie Mitchell
Charlie Mitchell
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Insurance Writer

Charlie Mitchell is a journalist, researcher, and writer specializing in personal finance subjects. He holds a degree from Middlebury College. His work can be found in Vox, Mother Jones, The New Republic, and other publications. Charlie uses his expertise in home, renters, and auto insurance subjects to help inform people to make better financial decisions. Connect with Charlie on LinkedIn.

Learn More

Sources

  1. Massachusetts Division of Insurance. "State Minimum Car Insurance Requirements." Accessed July 9, 2022
  2. Mass.gov. "Safe Driver Insurance Plan (SDIP) and your auto insurance policy." Accessed July 21, 2022
  3. Mass.gov. "Massachusetts Consumer Bill of Rights for Automobile Insurance." Accessed July 21, 2022