Factors Influencing Cost of Car Insurance in Yarmouth, MA

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The average cost of car insurance in Yarmouth, MA, is $1,295. This cost is higher than nearby locations like South Dennis and South Yarmouth but lower than other nearby locations like West Dennis, Dennis Port, and Dennis. Car owners in Yarmouth, MA, can make car insurance less expensive by considering factors like locations, age, and credit scores. These factors are explored in detail by Zimlon below.

factors_influencing_cost_of_car_insurance_in_yarmouth_ma

Location: 

The neighborhood one lives in Yarmouth, MA, can influence the cost of car insurance. The make and model of the vehicle, rate of auto thefts in the neighborhood, and age of the driver are some crucial factors that can reduce or increase the cost of car insurance within the city. Zimlon offers the service of finding accurate insurance quotes using one’s zip code. 

Age of the Driver: 

Car owners in Yarmouth, MA, can make the cost of car insurance less expensive and get various discounts by comparing multiple age of the driver-based policies offered by different insurance companies. According to Zimlon’s analysis, teenagers and young drivers pay more car insurance costs than older drivers as insurance companies consider them as less responsible drivers. The average cost of car insurance in Yarmouth, MA, for a teenager is $4,202. For a 20-year-old driver, insurance costs come up to $1,664 whereas, for drivers between the ages of 30 to 50 years it is less than $1,500. 

Driving Under Influence (DUI): 

Driving under influence can increase the cost of car insurance drastically as the cost of auto insurance costs goes up post-DUI. According to Zimlon’s analysis, the average insurance cost of $1,295 will increase to $2,345 in Yarmouth, MA, post-DUI.

Driving Violations: 

Auto insurance rates can increase depending on the type and number of driving violations. The driving violations also stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence usually determine how long the violation stays on the record.

Zimlon’s analysis found that violations such as driving without a headlight in Yarmouth, MA, can increase insurance costs by $57. Other violations like speeding or running a red light can cost car owners more than $300. More severe driving violations like driving with an expired or suspended license can add $873 to the car insurance costs. 

Credit Score: 

Car owners in Yarmouth, MA, can also make car insurance less expensive by maintaining positive credit scores. Several auto insurance companies provide considerable discounts to car owners that have a higher positive credit score and a clean driving history. Zimlon’s research found that car owners with a “good” credit score of 670-739 will have to pay $1,349. Whereas, for a “poor” credit score of 300-579 cost of car insurance in Yarmouth, MA, can get as high as $2,112.