Compare Medford, MA Car Insurance Rates [2024]
Car insurance in Medford, MA averages $312 a month. Medford, Massachusetts car insurance requirements are 20/40/5, but you might need full coverage insurance if your car is financed. To find cheap Medford car insurance rates, compare quotes from the top car insurance companies in Medford, MA.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Medford, MA after a DUI are $4,591/year
- Average car insurance rates in Medford, MA are $3,748/year
- The cheapest car insurance company in Medford is State Farm
If you need to buy Medford, Massachusetts car insurance, the options can be confusing. Everything you need to know about car insurance in Medford, MA is right here.
You’ll find Medford car insurance rates, the cheapest Medford, MA car insurance companies, and information on Massachusetts car insurance laws. You can also compare Medford, Massachusetts car insurance rates to Brockton car insurance rates, New Bedford car insurance rates, and Quincy car insurance rates.
Ready to find affordable Medford, MA car insurance today? Enter your ZIP code for fast, free Medford car insurance quotes.
Cheapest Medford, MA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Medford, MA car insurance rates? Every Medford, Massachusetts car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,897 | $2,897 | $2,897 | $2,897 | $8,624 | $8,624 | $3,259 | $3,259 |
| Geico | $2,283 | $2,283 | $2,113 | $2,113 | $5,922 | $5,922 | $2,368 | $2,368 |
| Liberty Mutual | $3,562 | $3,562 | $3,101 | $3,101 | $9,922 | $9,922 | $3,727 | $3,727 |
| Progressive | $2,947 | $2,947 | $2,825 | $2,825 | $11,389 | $11,389 | $3,196 | $3,196 |
| State Farm | $1,205 | $1,205 | $1,205 | $1,205 | $3,081 | $3,081 | $1,205 | $1,205 |
| Travelers | $3,456 | $3,456 | $3,040 | $3,040 | $7,178 | $7,178 | $3,851 | $3,851 |
| USAA | $1,775 | $1,775 | $1,748 | $1,748 | $4,199 | $4,199 | $1,964 | $1,964 |
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Minimum Car Insurance in Medford, MA
Every driver must carry the minimum car insurance required by the state in Medford, MA. Take a look at the Massachusetts car insurance requirements.
| 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 |
Cheapest Medford, MA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Medford, MA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,391 | $5,118 | $5,776 | $3,391 |
| Geico | $2,539 | $3,489 | $3,972 | $2,685 |
| Liberty Mutual | $3,973 | $5,481 | $6,591 | $4,267 |
| Progressive | $4,262 | $6,042 | $4,774 | $5,279 |
| State Farm | $1,319 | $1,809 | $2,151 | $1,417 |
| Travelers | $3,394 | $4,735 | $5,059 | $4,337 |
| USAA | $1,716 | $2,237 | $3,810 | $1,922 |
Cheapest Medford, MA Car Insurance for Teen Drivers
Teen car insurance in Medford, MA can be expensive. Take a look at rates from the top car insurance companies in Medford for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,624 | $8,624 |
| Geico | $5,922 | $5,922 |
| Liberty Mutual | $9,922 | $9,922 |
| Progressive | $11,389 | $11,389 |
| State Farm | $3,081 | $3,081 |
| Travelers | $7,178 | $7,178 |
| USAA | $4,199 | $4,199 |
Cheapest Medford, MA Car Insurance for Seniors
Take a look at Medford, MA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,897 | $2,897 |
| Geico | $2,113 | $2,113 |
| Liberty Mutual | $3,101 | $3,101 |
| Progressive | $2,825 | $2,825 |
| State Farm | $1,205 | $1,205 |
| Travelers | $3,040 | $3,040 |
| USAA | $1,748 | $1,748 |
Cheapest Medford, MA Car Insurance Rates After a DUI
A DUI in Medford, MA increases car insurance rates. Compare Medford, Massachusetts car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,776 |
| Geico | $3,972 |
| Liberty Mutual | $6,591 |
| Progressive | $4,774 |
| State Farm | $2,151 |
| Travelers | $5,059 |
| USAA | $3,810 |
Cheapest Medford, MA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Medford, MA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,278 | $4,561 |
| Geico | $3,114 | $3,229 |
| Liberty Mutual | $4,880 | $5,276 |
| Progressive | $5,089 | $5,089 |
| State Farm | $1,635 | $1,713 |
| Travelers | $4,171 | $4,592 |
| USAA | $2,354 | $2,489 |
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The Best Cheap Car Insurance Companies in Medford, MA
Take a look at a side-by-side comparison of the top car insurance companies in Medford, MA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,419 |
| Geico | $3,171 |
| Liberty Mutual | $5,078 |
| Progressive | $5,089 |
| State Farm | $1,674 |
| Travelers | $4,381 |
| USAA | $2,421 |
Category Winners: Cheapest Car Insurance in Medford, Massachusetts
Find the cheapest car insurance companies in Medford, MA for each category right here.
| 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 |
Cheapest Medford, MA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Medford car insurance rates. Find the cheapest Medford, MA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,108 | $4,484 | $4,665 |
| Geico | $2,912 | $3,233 | $3,369 |
| Liberty Mutual | $4,736 | $5,146 | $5,352 |
| Progressive | $4,675 | $5,184 | $5,408 |
| State Farm | $1,517 | $1,704 | $1,801 |
| Travelers | $3,953 | $4,471 | $4,719 |
| USAA | $2,243 | $2,461 | $2,560 |
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What affects car insurance rates in Medford, Massachusetts?
What are the factors that affect car insurance rates in Medford, MA? There are several reasons why Medford car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Medford, Massachusetts.
Commute Time in Medford
The more time you spend in your car the higher the risk of an accident. The average commute length in Medford, MA is 33.0 minutes according to City-Data.
Compare Car Insurance Quotes in Medford, MA
Ready to find affordable Medford, Massachusetts car insurance today? Enter your ZIP code for fast, free Medford, MA car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Medford, MA?
To compare car insurance rates in Medford, MA, you can follow these steps:
- Collect information: Gather details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance companies that operate in Medford, MA.
- Obtain quotes: Contact insurance providers directly or use online comparison tools to request quotes.
- Compare coverage options: Evaluate the coverage levels, deductibles, and additional features offered by each insurer.
- Consider the price: Compare the quotes received and choose a policy that provides the desired coverage at a competitive rate.
- Review customer reviews and ratings: Check online reviews and ratings to assess the insurer’s customer service and claims handling.
- Finalize your decision: Select the car insurance policy that best fits your needs and budget.
What factors affect car insurance rates in Medford, MA?
Several factors can influence car insurance rates in Medford, MA, including:
- Driving record: A clean driving history with no accidents or violations generally leads to lower rates.
- Vehicle type: The make, model, and year of your car can affect insurance costs.
- Coverage levels: The type and amount of coverage you choose will impact your premiums.
- Deductible amount: A higher deductible can lower your premium, but it also means paying more out of pocket in case of a claim.
- Location: Medford’s population density, crime rate, and accident statistics can influence rates.
- Credit score: In some states, including Massachusetts, insurers may consider credit history when determining rates.
- Age and gender: Younger and less experienced drivers may face higher premiums, as well as male drivers statistically shown to be riskier.
- Mileage: The average number of miles you drive annually can affect your insurance rates.
Are there any discounts available for car insurance in Medford, MA?
Yes, several discounts may be available to help lower your car insurance costs in Medford, MA. These discounts can vary among insurers but commonly include:
- Multi-policy discount: Save by bundling your car insurance with other policies like home insurance.
- Good driver discount: Receive a discount if you have a clean driving record.
- Good student discount: Students with good grades may qualify for reduced rates.
- Safety features discount: Vehicles equipped with safety features like anti-lock brakes, airbags, and anti-theft systems may be eligible for discounts.
- Low mileage discount: If you drive fewer miles annually, you may qualify for a lower rate.
- Defensive driving course discount: Completing an approved defensive driving course can lead to a discounted premium.
- Loyalty discount: Some insurers offer discounts for long-term policyholders. It’s recommended to ask your insurance provider about available discounts and see which ones you qualify for.
Can I change my car insurance provider in Medford, MA?
Yes, you have the freedom to change your car insurance provider in Medford, MA. Switching insurers can be done at any time, even if your policy is still active. However, it’s essential to consider a few factors:
- Timing: Before switching, make sure you have a new policy in place to avoid any gaps in coverage.
- Policy cancellation: Notify your current insurer about your decision to cancel the policy, following their specific guidelines.
- Pro-rated refund: If you have paid for your current policy in advance, you may be entitled to a pro-rated refund for the unused portion of your premium.
- Shopping around: Compare quotes from multiple insurers to ensure you’re getting the best coverage and rates.
- Continuity discounts: Some insurers offer discounts to customers who have maintained continuous coverage with the same provider for an extended period. Consider this when deciding to switch.
Are there any legal requirements for car insurance in Medford, MA?
Yes, car insurance is mandatory in Medford, MA, as it is in the state of Massachusetts. The minimum requirements for auto insurance coverage in Medford include:
- Bodily Injury Liability: $20,000 per person and $40,000 per accident.
- Property Damage Liability: $5,000 per accident.
- Personal Injury Protection (PIP): $8,000 per person, per accident. These are the minimum required coverages, but it’s often advisable to consider higher coverage limits to protect your assets adequately. Remember to comply with the legal requirements to avoid penalties or fines.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.