Belmont Auto Insurance Rates, Quotes, Agents & Reviews in MA

Belmont, MA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Belmont, MA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Belmont, MA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Belmont, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Belmont, MA with that of other cities in and around Belmont.

Belmont Medford Waltham Arlington Lexington Watertown Town
Average Insurance Rates $1,459 $1,342 $1,120 $1,392 $1,480 $1,356

Belmont, MA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Belmont, MA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Belmont $1,403 $1,185
Watertown Town $3,499 $2,955
Arlington $1,434 $1,211
Waltham $1,915 $1,617
Cambridge $2,042 $1,725
Somerville $1,462 $1,235
Medford $2,034 $1,718
Lexington $2,133 $1,802

Belmont, MA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Belmont, MA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,734
20 Years $1,875
30 Years $1,444
40 Years $1,389
50 Years $1,287
60 Years $1,304
70 Years $1,518

Belmont, MA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Belmont, MA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,480 $438
3 Vehicles $3,720 $657
4 Vehicles $4,961 $875

Savings on 2 Vehicles bundle:$438

Savings on 3 Vehicles bundle:$657

Savings on 4 Vehicles bundle:$875


Belmont, MA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Belmont, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Belmont $1,459 $2,642
Watertown Town $1,356 $2,455
Arlington $1,392 $2,520
Waltham $1,120 $2,028
Cambridge $1,234 $2,234
Somerville $1,234 $2,234
Medford $1,342 $2,430
Lexington $1,480 $2,680

Belmont, MA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,252
Excellent (740-799) $1,429
Good (670-739) $1,520
Average (580-669) $1,983
Poor (300-579) $2,380

Belmont, MA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can 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 will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,523
Driver's Failure In Showing Documents +$142 $1,601
Driving With An Expired Registration +$150 $1,609
Driving At A Considerably Slow Pace +$317 $1,776
Using A Cellphone While Driving +$334 $1,793
Running A Red Light +$340 $1,799
Speeding +$357 $1,816
Driving A Vehicle Without The Required Permission +$454 $1,913
Driving With An Expired/Suspended License +$983 $2,442

Belmont, MA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,401
Active Disabling Device $1,401
Tracking Device $1,371
Passive Disabling Device $1,357