(888) 291-7830   (888) 291-7830

(5% to 50%) Discount
Car Insurance
Woburn MA

No spam. No hidden fees. No Long Forms
No spam. No hidden fees.
No Long Forms

1.8M+

Satisfied Visitors

$600+

Average Policy Savings

900k+

Return Clients



Cheap Auto Insurance Rates Near Me


Cheap Auto Insurance in Woburn Massachusetts

Why Are Car Insurance Rates So Expensive Near Me

Massachusetts is among the states with the most expensive car insurance costs. Massachusetts has some of the highest auto insurance premiums in the country, averaging around $1,260 annually for full coverage. Woburn car insurance rates continue to rise due to factors like population density and costly repair bills.

The Massachusetts state government regulates car insurance rates, meaning that individual insurers cannot lower prices on their own. With Massachusetts being a densely populated state, there are more vehicles on the road which increases accident risk and drives up claims payouts by insurers. Additionally, Woburn Massachusetts is one of only a few states that requires drivers to carry personal injury protection (PIP) coverage which also raises premium costs.

Car repair costs also contribute significantly to Woburn car insurance rates. Massachusetts auto body shops and mechanics typically charge more than the national average for repairs, making it costlier to insure cars in the state. The Massachusetts Commissioner of Insurance has proposed several initiatives such as a discount program designed to lower rates, but so far these efforts have not been successful.

Overall, Massachusetts continues to be one of the most expensive states in terms of car insurance costs due to government regulations and costly auto repair bills. Woburn drivers can still find ways to save money on their premiums by comparing quotes from different insurers and taking advantage of discounts.

Car Insurance Quotes by Age of Driver(15 to 70)

Age of Driver Insurance Cost
Teens $3,663
20 Years $1,451
30 Years $1,117
40 Years $1,075
50 Years $996
60 Years $1,009
70 Years $1,175

Auto Insurance Rates for Young vs Older People

Young Woburn drivers can expect to pay higher premiums than older and more experienced drivers. Massachusetts is a “fault” state, meaning that in order for someone to be compensated for their damages after an accident, there needs to be proof of fault. Younger drivers are more likely to be found responsible for accidents, therefore they are charged with higher rates.

In Woburn, insurance companies have the right to charge young drivers up to double what they would normally charge an older driver with the same coverage and history. Massachusetts also has a graduated licensing system which requires teens under 18 years old to complete certain requirements before being allowed on the roads unsupervised. This law helps reduce teenage traffic fatalities and improves road safety but tends to increase insurance rates for young drivers.

Fortunately, Woburn offers several discounts to reduce auto insurance costs for both young and older drivers. Most Massachusetts insurers offer discounts based on age, loyalty, accident avoidance, and good driving records. Massachusetts also has special programs such as a Good Student Discount that gives teens up to 15 percent off their car insurance if they maintain a certain grade point average in school.

By shopping around for the best rates and taking advantage of all available discounts, Woburn drivers can help lower their car insurance costs no matter what their age or experience level may be. 

Best Auto Insurance Companies in Massachusetts

Travelers

Progressive

Allstate

Geico

State Farm

NAIC Market Share

13.45%

13.45%

9.33%

13.45%

16.14%

S&P Global Ratings

A++

A

A-

AA+

AA

Average Full Coverage Yearly Premium

$2,202

$1,770

$1,596

$1,463

$717

Discount Rating

4 stars

5 stars

5 stars

4 stars

5 stars


Travelers

Progressive

Allstate

Geico

State Farm

NAIC Market Share

13.45%

13.45%

9.33%

13.45%

16.14%

S&P Global Ratings

A++

A

A-

AA+

AA

Average Full Coverage Yearly Premium

$2,202

$1,770

$1,596

$1,463

$717

Discount Rating

4 stars

5 stars

5 stars

4 stars

5 stars


Travelers

Progressive

Allstate

Geico

State Farm

NAIC Market Share

13.45%

13.45%

9.33%

13.45%

16.14%

S&P Global Ratings

A++

A

A-

AA+

AA

Average Full Coverage Yearly Premium

$2,202

$1,770

$1,596

$1,463

$717

Discount Rating

4 stars

5 stars

5 stars

4 stars

5 stars


Car Insurance Companies Near Me

WT Phelan Insurance

6 Common St, Woburn, MA 01801

(781) 935-0220

http://www.wtphelan.com/

Miranda Services

14 Montvale Ave, Woburn, MA 01801

(781) 933-0096

http://mirandaservicesinc.com/

Life Insurance Center-Boston

400 Trade Center, Woburn, MA 01801

(413) 244-0788

http://www.nmfn.com/petemilillo

Burlington Car Insurance Quote

20 Center St, Burlington, MA 01803

(774) 280-5769

No website found

LoPriore Insurance Agency

426 Main St Suite 2, Stoneham, MA 02180

(781) 438-1375

https://www.lopriore.com/

Cecil N Marchionne Insurance Agency, Inc

636 Main St, Woburn, MA 01801

(781) 933-1300

http://www.marchionneins.com/

Comparing the Best Car Insurance Companies Nearby

When it comes to finding the best car insurance companies in Woburn, there are a few key factors that come into play. Massachusetts has some of the highest premiums in the country due to its high population density and climate-related risks, so it’s important to weigh all your options before committing to an insurer. The Massachusetts Division of Insurance regulates all insurers operating in Massachusetts and provides consumers with guidance on their rates and policies. To help you get started, we’ve put together this list of the top car insurance companies in Massachusetts:

By doing your research and comparing quotes from multiple companies, you’ll be able to find the best car insurance company in Woburn that meets your coverage needs at an affordable price. Remember to consider all of your options when shopping for Massachusetts car insurance and be sure to look for any additional discounts or benefits that may apply to you.

Average Annual Premium Increase & Savings per Driving Infraction

Driving Infraction Type Average Annual Premium Potential Quote Savings
DUI$5540$997
Reckless Driving$4026$977
Wrong Way/Wrong Lane$3432$968
Driving on Sus. License$3136$923
Illegal Turn$2853$914
Failure to Obey Traffic Sign$2762$889
Speeding over 15$2140$842
Defective Equipment$2002$607
Speeding under 15$1945$637

How Driving Infractions Increase Insurance Premiums

The Massachusetts Division of Insurance also regulates how insurance companies can rate drivers based on their driving records. Woburn drivers who have committed certain violations will see an increase in their car insurance premiums, such as:

These infractions will stay on your Woburn driving record for up to three years, so be sure to drive safely and follow all Massachusetts traffic laws. If you do get a ticket, many Massachusetts insurance companies offer safety courses that can help reduce the impact of a violation on your premiums. Make sure you talk to your insurer about any discounts you may qualify for after taking a Massachusetts safety course.

By understanding the regulations and offers of Massachusetts insurers, you can make sure you’re getting the best car insurance coverage for your needs at an affordable price. Comparing quotes from different companies is the best way to ensure you get the most value from your Woburn car insurance policy.

Average Annual Vehicle Insurance by Credit Score

Credit Rating Average Rate
Average of All Credit Ratings $1233
Below Fair $1301
Poor $1319
Worst $1337

Does Credit Score Matter When Getting Cheaper Quotes?

Your credit score is one factor Massachusetts insurance companies use to determine your insurance premiums. Generally, Woburn drivers with higher credit scores are seen as less of a risk and can get cheaper car insurance rates. Lower credit scores may result in higher rates because Massachusetts insurers consider those drivers to be more of a liability. Be sure to evaluate your credit score before applying for Massachusetts car insurance quotes and look into ways to improve it if necessary.

Remember that Massachusetts insurers also take other factors into account when determining premium costs, such as your driving record, type of vehicle, age and gender. Comparing multiple Woburn car insurance quotes from different companies can help you get the best coverage at the most affordable price.

Average Monthly Car Payment Plus Insurance in My Location

Average Monthly Auto Insurance Payment for Liability or Full Coverage in Woburn Massachusetts

Don't Forget The Total Monthly Cost of Your Vehicle

It is important to remember that Woburn car insurance premiums are only one of the costs associated with your vehicle. The total monthly cost of owning a vehicle includes car payments, gas and maintenance costs, taxes and registration fees, as well as your Massachusetts car insurance premium. When comparing Massachusetts auto insurance quotes from different companies, be sure to factor in all of these expenses so you can get an accurate picture of what it will cost to own and maintain your vehicle each month.

By researching Woburn auto insurance providers and shopping for competitive quotes, you can find the best coverage at an affordable price. Remember to consider all aspects of Massachusetts car ownership when looking for the most value in an auto policy.

car insurance companies Woburn MA

How to Save on Car Insurance in Your Zip Code

Do your research
Compare quotes from different places
Take advantage of policy bundles
Look at vehicle safety ratings
Participate in discount programs through driver training or safe driving rewards
Maintain a good credit rating

Full Coverage vs Liability Only Insurance in Massachusetts

When shopping for Woburn car insurance, you need to decide whether you want full coverage or liability-only coverage. Full coverage includes both collision and comprehensive coverage in addition to the Massachusetts required minimum liability limits, while liability-only policies only provide the Massachusetts required minimums and no other protection.

The type of Woburn auto insurance coverage you choose will depend on your vehicle's value and the risks associated with driving it. If you have an older car that is not worth a lot, then liability-only may be enough protection. However, if you drive a newer vehicle or one that holds its value well, then having full Massachusetts car insurance coverage might be a better option.

State Auto Insurance Minimums in Massachusetts

 Massachusetts requires all drivers to carry a minimum amount of liability insurance. The Woburn MA required limits are:

  • $20,000 Bodily injury per person
  • $40,000 Bodily injury per accident
  • $5,000 Property damage per accident

In Woburn, you must also carry uninsured/underinsured motorist coverage with the same limits as your liability policy. This type of Massachusetts car insurance will provide you with protection in case you are involved in an accident with a driver that does not have auto insurance or enough to cover your damages. Massachusetts also requires proof of financial responsibility at the time of registration and renewal for all vehicles registered within the state. 

Getting Coverage for Teenagers in MA

In Woburn, teen drivers aged 16-17 must complete a Driver's Education program and obtain their learner's permit before they can apply for a Massachusetts driver’s license. Massachusetts teens also need to be insured with Massachusetts car insurance before obtaining their driver’s license. Many Massachusetts auto insurance companies offer special policies for teenage drivers, so it is important to do your research and shop around for the best coverage at the most affordable rate.

Car Insurance for Seniors

 Woburn seniors who are aged 65 and older may be eligible for special Massachusetts car insurance discounts. Many Massachusetts auto insurers offer lower rates for drivers in this age group, as elderly drivers tend to drive more carefully. Seniors can also benefit from Massachusetts car insurance discounts available for those with good driving records, low annual mileage, or who have taken an approved driver safety course. Be sure to ask your Massachusetts auto insurer about any special discounts you might qualify for.

Do I Need SR-22 Insurance in Massachusetts

In Woburn, you may be required to file an SR-22 form with the Massachusetts Registry of Motor Vehicles (RMV) if you have had your Massachusetts driver’s license suspended or revoked. An SR-22 form is a certificate of financial responsibility issued by an insurance company that states you have Massachusetts car insurance coverage and are able to pay for any liability claims made against your policy. Massachusetts auto insurers can provide this documentation and inform the RMV that you have adequate Massachusetts car insurance coverage.

How Speeding Tickets Affect Insurance Costs in MA

 Woburn auto insurance rates are based on a range of factors, including your driving record. If you receive a Massachusetts speeding ticket or any other type of moving violation, it will likely affect your Massachusetts car insurance premiums. Massachusetts auto insurers consider speeding tickets to be higher-risk behaviors and may raise your Massachusetts car insurance rates accordingly. The best way to avoid an increase in Massachusetts auto insurance costs is to drive safely and obey all applicable traffic laws.

Male vs Female Insurance Rates in MA

 Massachusetts auto insurance rates are based on a range of factors, including your gender. In Woburn, male drivers tend to have higher Massachusetts car insurance rates than female drivers due to the higher risk associated with male drivers. Massachusetts auto insurers consider males to be more likely to engage in risky driving behaviors and more likely to file claims than females. However, the discrepancy between male and female Massachusetts car insurance premiums is narrowing as more states pass legislation prohibiting gender-based rate discrimination.

Benefits of Using a Local Agent or Broker Near Me

 Massachusetts auto insurance companies offer a variety of Massachusetts car insurance policies to suit your individual needs and budget. Working with a Woburn auto insurance agent or broker can be beneficial as they have access to multiple Massachusetts car insurers and can help you compare different Massachusetts auto insurance quotes and select the best coverage for your needs. Your Massachusetts auto insurance agent or broker will also be able to answer any questions you may have about Massachusetts car insurance laws and regulations.

Government Auto Insurance Assistance in Massachusetts

 Woburn offers a number of government-run Massachusetts auto insurance assistance programs to help drivers who are unable to purchase Massachusetts car insurance due to financial hardship. These Massachusetts auto insurance assistance programs provide Massachusetts car insurance coverage at discounted rates to eligible drivers. To learn more about these Massachusetts auto insurance assistance programs, contact the Massachusetts Division of Insurance or your local Massachusetts Department of Motor Vehicles office.

College Student Auto Insurance Discounts in Massachusetts

 Massachusetts auto insurers offer discounted Woburn car insurance rates for college students who maintain a good grade point average, are under the age of 25, and meet other eligibility requirements. Be sure to ask your Massachusetts auto insurer about any special discounts you might qualify for as a college student.

Pay Per Mile Insurance in MA

 Massachusetts auto insurers offer Massachusetts car insurance policies known as pay per mile insurance or usage-based Woburn car insurance. These Massachusetts auto insurance policies are based on your driving habits and the number of miles you drive each year, rather than a traditional flat premium rate. Pay per mile Massachusetts car insurance may be an affordable option for drivers who do not drive frequently and can provide discounts for good driving behavior.

Coverage for Rental Cars in Massachusetts

 Massachusetts requires Massachusetts auto insurers to offer Massachusetts car insurance coverage for rental vehicles. However, you may be able to find cheaper Woburn car insurance rates if you purchase rental vehicle coverage from your Massachusetts auto insurer rather than the rental company. Be sure to inquire about any discounts or special offers available when you purchase Massachusetts car insurance for your rental vehicle.

High-Risk MA Car Insurance Policies

 Drivers who have been deemed high risk due to a history of traffic violations or accidents may have difficulty finding Woburn auto insurance policies at affordable rates. Fortunately, Massachusetts has a state-run high-risk Massachusetts car insurance program known as the “Massachusetts Automobile Insurance Plan” (MAIP) that can provide discounted Massachusetts auto insurance rates for high-risk drivers.

 Massachusetts auto insurance regulations are designed to ensure that Woburn drivers have access to affordable Massachusetts car insurance coverage. If you need assistance in understanding Massachusetts car insurance laws and regulations, contact your local Massachusetts Department of Motor Vehicles office or the Massachusetts Division of Insurance. They can help answer any questions you may have about Massachusetts auto insurance policies and provide helpful resources on Massachusetts car insurance options.

S
car insurance companies Woburn MA

Shopping for Car Insurance Places Near Me

It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Woburn, Massachusetts. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.


Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.


Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Woburn, MA.

The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.