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

Zimlon, through its research, found that car owners in Lynn, 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.

Average Rate of Car Insurance in Lynn, MA, is $1,281

The average cost of auto insurance in Lynn, MA, is $1,281. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the vehicle’s make and model to the driver’s age.

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term effect on Lynn’s auto insurance cost. Post-DUI, the average cost of auto insurance increases to $2,319, from $1,281. 

Demographics:

The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is the most affordable for drivers who are in their fifties and sixties. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Lynn is $4,157.

Deductible:

Deductibles are among the most common factors affecting auto insurance rate in the country, and Lynn is no different. A high deductible leads to a decrease in auto insurance cost, while a low deductible can lead to an increase. The average price of auto insurance on a low deductible ($500) is $1,730. This goes down to $1,462 when the deductible is higher ($1,000).

Neighborhood:

The neighborhood one lives in Lynn can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the vehicle’s make and model and the rate of auto thefts in the neighborhood, the price can vary. 

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase in auto insurance. The cost of auto insurance when the credit score is “exceptional” is $1,099. This increases to $2,089 when the credit score is “poor.”

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

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

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

	Lynn	Revere	Saugus	Salem	Swampscott	Nahant
Average Insurance Rates	$1,281	$1,301	$1,312	$1,300	$1,345	$1,381

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Lynn, 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 Lynn, 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)
Lynn	$1,730	$1,462
Saugus	$1,458	$1,232
Swampscott	$1,907	$1,610
Salem	$1,301	$1,099
Revere	$2,133	$1,802
Peabody	$2,454	$2,073
Nahant	$2,002	$1,691
Melrose	$1,579	$1,334

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

Teenagers in Lynn, 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	$4,157
20 Years	$1,646
30 Years	$1,268
40 Years	$1,220
50 Years	$1,130
60 Years	$1,145
70 Years	$1,333

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

Car owners in Lynn, 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	$2,229	$333
3 Vehicles	$3,343	$500
4 Vehicles	$4,458	$666

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Lynn, 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 Lynn, MA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Lynn	$1,281	$2,319
Saugus	$1,312	$2,376
Swampscott	$1,345	$2,435
Salem	$1,300	$2,354
Revere	$1,301	$2,356
Peabody	$1,200	$2,173
Nahant	$1,381	$2,500
Melrose	$1,349	$2,443

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Lynn, 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)	$1,099
Excellent (740-799)	$1,255
Good (670-739)	$1,335
Average (580-669)	$1,741
Poor (300-579)	$2,089

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Lynn, 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
Stephanie Yong-Pratt	Liberty Mutual	141 Congress Street, Boston, 2110	1-617-451-2009
Dan Hurley Insurance	None	7 Federal Street, Danvers, 1923	None
The Weiner Company Inc	None	1 Mckinley Square, Boston, 2109	None
Massachusetts Consumer United, Llc	None	31 St James Ave Ste 1000, Boston, 2116	None
Thomas A St Jean	Travelers	484 LOWELL ST STE 1-C, PEABODY, 1960	978-531-8053
John M Costello Insurance Agency	None	278 A Highland Ave Soverville, Somerville, 2143	None
A J George Insurance	None	16 Foster St, Peabody, 1960	None
Nancy Z Bender Insurance	Travelers	31 MILK ST STE 420, BOSTON, 2109	617-367-4900

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Lynn, 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	+$56	$1,337
Driver's Failure In Showing Documents	+$124	$1,405
Driving With An Expired Registration	+$132	$1,413
Driving At A Considerably Slow Pace	+$278	$1,559
Using A Cellphone While Driving	+$293	$1,574
Running A Red Light	+$298	$1,579
Speeding	+$314	$1,595
Driving A Vehicle Without The Required Permission	+$398	$1,679
Driving With An Expired/Suspended License	+$863	$2,144

Lynn, 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	$1,230
Active Disabling Device	$1,230
Tracking Device	$1,204
Passive Disabling Device	$1,191

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Latest Auto Insurance Reviews in Lynn, MA | Back to Top