Best Cheap Auto Insurance in Somerville, MA (2021)

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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Somerville, Massachusetts

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Somerville, Massachusetts

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.

Annual Somerville, Massachusetts Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Somerville, Massachusetts

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.

Annual Auto Insurance Rates by ZIP Code in Somerville, Massachusetts

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.

Annual Auto Insurance Rates by Commute Length in Somerville, Massachusetts

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.

Annual Auto Insurance Rates by Coverage Level in Somerville, Massachusetts

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.

Best Annual Auto Insurance Rates by Company in Somerville, Massachusetts

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.

Average Annual Auto Insurance Rates by Company in Somerville, Massachusetts

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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