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

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

Zimlon, through its research, found that car owners in Bolton, 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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Average Price of Car Insurance in Bolton, MA

The town of Bolton is located in northeastern Worcester county, in the central upland section of Massachusetts. Through centuries, Bolton has remained a hidden gem in the state, celebrated for its abundance of scenic landscapes. Bolton is a town that has steadily grown in size and stature to accommodate the needs of its residents. Bolton is one of the most historic towns in Massachusetts. To explore such a beautiful town, you must first secure your road travel by taking car insurance. 

The average car insurance rate in Bolton, MA, is $1,357. The car insurance rate in Bolton is higher when compared to neighboring cities like South Lancaster, Berlin, Lancaster, Stow, and Hudson. The price of car insurance may differ from person to person. Zimlon, through its in-depth research, has explored the features which can influence car insurance rates in Bolton, MA. 

a. Car insurance rates by age bracket in Bolton

If you're looking to save money on car insurance, it's wise to start shopping for the best rates when you hit your 20th birthday. This is because Bolton's average car insurance rates vary greatly depending on the driver's age. Teenagers in Bolton pay $4,403 for insurance, according to Zimlon's research. Teens are considered reckless and irresponsible behind the wheel, whereas mid-aged drivers like 20 and 30 years old pay $1,744 and $1,343 on car insurance in Bolton, MA. 

b. Car insurance rates by credit score in Bolton

Insurance providers consider credit scores while determining the auto insurance rate in Bolton, MA. Even if you have been driving for several years, your credit history can play a role in the cost of car insurance. Your credit score is one of the main factors that could lower your premium. If you have poor or fair credit, we recommend that you improve your credit profile by examining your current financial situation and taking steps to manage it better.

For instance, car drivers in Bolton with exceptional credit scores pay $1,164 on auto insurance, whereas car drivers with poor credit scores pay $2,213 on auto insurance in Bolton. 

Refer to the table below to gain a clear understanding of the car insurance rates based on the credit score of the driver.


c. Car insurance rates by marital status in Bolton

The gender of the driver and marital status may influence the car insurance in Bolton, MA. Married drivers pay less for auto insurance in Bolton when compared to single drivers. Gender also plays a crucial role while understanding auto insurance rates. Females are considered responsible drivers when compared to male drivers. Due to this, insurance providers may provide specific discounts to female drivers in Bolton, MA.

Factors that can influence the cost of car insurance in Bolton, 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.

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

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

Bolton South Lancaster Berlin Lancaster Stow Hudson
Average Insurance Rates $1,357 $1,279 $1,318 $1,303 $1,354 $1,296

Bolton, 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 Bolton, 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)
Bolton $1,399 $1,181
Berlin $1,928 $1,629
Hudson $1,892 $1,598
Harvard $2,000 $1,690
Stow $1,602 $1,353
Lancaster $1,034 $873
South Lancaster $1,798 $1,519
Clinton $988 $834

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

Teenagers in Bolton, 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 $4,403
20 Years $1,744
30 Years $1,343
40 Years $1,292
50 Years $1,197
60 Years $1,213
70 Years $1,412

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

Car owners in Bolton, 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 $2,307 $407
3 Vehicles $3,460 $611
4 Vehicles $4,614 $814

Savings on 2 Vehicles bundle:$407

Savings on 3 Vehicles bundle:$611

Savings on 4 Vehicles bundle:$814

Bolton, 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 Bolton, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Bolton $1,357 $2,457
Berlin $1,318 $2,386
Hudson $1,296 $2,347
Harvard $1,379 $2,497
Stow $1,354 $2,452
Lancaster $1,303 $2,359
South Lancaster $1,279 $2,316
Clinton $2,008 $3,636

Bolton, 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) $1,164
Excellent (740-799) $1,329
Good (670-739) $1,414
Average (580-669) $1,845
Poor (300-579) $2,213

Bolton, MA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Downey Insurance Agency Inc None 190 East Main St, Marlborough, 1752 (508)306-4496
Northwood Insurance Agency None 300 West Main St, Northborough, 1532 None
Markham Group Inc Liberty Mutual Independent 20 Central Ave, Ayer, 1432 (844)246-7713
Regan Insurance Agency, Inc. None 100 Hammond St, Waltham, 2154 None
Hoffman Insurance Services Inc Travelers 141 Linden Street Wellelsey, Wellesley, 2482 (781) 916-8126
Aaa Insurance Agency Inc None 411 Massachusetts Ave, Acton, 1720 None
Dcu Financial Ins. Services, Llc None 220 Donald Lynch Blvd Marlboro, Marlborough, 1752 None
Strategic Insurance Solutions Inc. Liberty Mutual Independent 2000 COMMONWEALTH AVE, AUBURNDALE, 2466 (671) 558-7100
Renaissance Alliance Ins Svc Travelers 981 WORCESTER ST, WELLESLEY, 2482 781-431-9800
Stoner Insurance Agency Travelers 3 Crescent Lane, Sudbury, 1776 None

Bolton, 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 +$60 $1,417
Driver's Failure In Showing Documents +$132 $1,489
Driving With An Expired Registration +$140 $1,497
Driving At A Considerably Slow Pace +$294 $1,651
Using A Cellphone While Driving +$311 $1,668
Running A Red Light +$316 $1,673
Speeding +$332 $1,689
Driving A Vehicle Without The Required Permission +$422 $1,779
Driving With An Expired/Suspended License +$915 $2,272

Bolton, 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 $1,303
Active Disabling Device $1,303
Tracking Device $1,276
Passive Disabling Device $1,262