Ways to Lower Cost of Car Insurance in Belmont, MA

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The average cost of car insurance in Belmont, MA, is $1,459. This cost is higher than in nearby locations like Medford, Waltham, Arlington, and Watertown Town but lower than other nearby places like Lexington. Car owners in Belmont, MA, can lower car insurance costs by comparing multiple auto insurance quotes. Some factors that affect auto insurance costs in Belmont, MA, are explored below in detail by Zimlon.



The neighborhood one lives in Belmont, MA, influences 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 Belmont, MA, can lower the cost of car insurance 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 on car insurance than older drivers. The cost of car insurance for a teenager in Belmont, MA, is $4,734. This cost reduces to $1,875 for a 20-year-old driver. For drivers between the ages of 30 to 50, car insurance costs are less than $1,500 in Belmont, MA.


This is one of the most common factors influencing the cost of car insurance in Belmont, MA. A low deductible ($500) usually increases auto insurance value, whereas a high deductible ($1,000) lowers it. According to Zimlon’s research, the average cost of auto insurance in Belmont, MA, on a deductible of $500 is $1,403, and this cost will decrease to $1,185 when the deductible is $1,000. 

Multi-Car Insurance: 

Auto Insurance companies in Belmont, MA, offer attractive discounts on multi-car insurance policies and bundling. Belmont, MA, residents can lower insurance costs by purchasing their life, auto, and home insurance from the same insurance company. According to Zimlon’s analysis, by insuring two cars together, car owners in Belmont, MA, can save $438. Insuring three or four cars with the same insurer can help save $657 and $875, respectively. 

Anti-Theft Features: 

Cars equipped with safety devices are less prone to thefts; therefore, in Belmont, MA, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts can depend on the type and number of safety devices installed. According to Zimlon’s research, car owners in Belmont, MA, can get car insurance for $1,401 by installing safety devices like an audible alarm and active disabling device. Installing additional anti-theft features like tracking devices and passive disabling devices can further reduce car insurance costs to $1,371 and $1,357, respectively.