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

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

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

Compare Quotes from Top Providers and Save now!

Overview of Car Insurance in Medford, MA

The average cost of car insurance in Medford, MA, is $1,342. Auto insurance is one of the most important things drivers in Medford, MA, can have. It is required by law in Massachusetts, and it can protect you financially if you are ever in an accident. Many different auto insurance companies offer coverage in Medford, so it is important to shop around and compare rates before choosing a policy. Many factors go into determining the cost of auto insurance. Your age, gender, driving record, and the type of car you drive are all important factors. The amount of coverage you choose will also affect the cost of your policy. The best way to get an accurate quote is to contact different insurance companies and compare rates. It is important to have auto insurance, but it is also essential to make sure that you are not overpaying for your coverage by shopping around and comparing rates.

Credit History

When it comes to car insurance, your credit history is one of the many factors that insurers will take into account when calculating your rates. Generally, a good credit score can lead to lower rates, while a bad credit score may result in higher rates. The reason for this is that insurers often use credit information as a way to predict future risks. If you have a history of making late or missing payments, insurers may view you as a higher risk and charge you accordingly. Conversely, insurers may see you as a lower risk if you have a good credit history and offer you lower rates. For instance, in Medford, Massachusetts, people who own cars with excellent credit scores must pay $1,314, while those with poor credit must pay $2189. 

Driving Habits

When it comes to car insurance, your driving habits play a big role in determining your rates. If you're a safe driver who doesn't get into accidents or get tickets, you'll pay less for insurance than a high-risk driver. Insurance companies use a variety of factors to determine rates, and driving habits are one of the most important. For instance, in Medford, Massachusetts, auto insurance costs go up by +$313 and  +$905 for drivers who run red lights or have expired licenses, respectively.

Age of the Driver

As we all know, car insurance rates are determined by many factors. One of those factors is the age of the driver. In Medford, MA, a teenage driver's average car insurance rate is $4355. However, a 40-year-old in Medford, MA, will pay an average of $1278 for car insurance. That is a difference of $3077. There are a few reasons why age affects car insurance rates. One reason is that younger drivers are more likely to be involved in an accident than older drivers. This is because they are less experienced and more likely to make mistakes. Another reason is that younger drivers are more likely to engage in risky behaviors, such as speeding and driving under the influence. These behaviours increase the chance of an accident, which increases the cost of insurance.

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

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

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

Medford Malden Melrose Winchester Cambridge Arlington
Average Insurance Rates $1,342 $1,311 $1,349 $1,490 $1,234 $1,392

Medford, 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 Medford, 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)
Medford $2,034 $1,718
Somerville $1,462 $1,235
Malden $1,851 $1,563
Winchester $1,205 $1,018
Arlington $1,434 $1,211
Everett $1,918 $1,620
Cambridge $2,042 $1,725
Melrose $1,579 $1,334

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

Teenagers in Medford, 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 $4,355
20 Years $1,724
30 Years $1,328
40 Years $1,278
50 Years $1,183
60 Years $1,200
70 Years $1,397

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

Car owners in Medford, 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 $2,281 $403
3 Vehicles $3,422 $604
4 Vehicles $4,563 $805

Savings on 2 Vehicles bundle:$403

Savings on 3 Vehicles bundle:$604

Savings on 4 Vehicles bundle:$805

Medford, 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 Medford, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Medford $1,342 $2,430
Somerville $1,234 $2,234
Malden $1,311 $2,374
Winchester $1,490 $2,698
Arlington $1,392 $2,520
Everett $1,310 $2,372
Cambridge $1,234 $2,234
Melrose $1,349 $2,443

Medford, 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) $1,151
Excellent (740-799) $1,314
Good (670-739) $1,398
Average (580-669) $1,824
Poor (300-579) $2,189

Medford, 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
Friendly Insurance Agency None 471 Western Ave, Lynn, 1904 None
Donald J Bowers Travelers 80 MAPLE STREET, STONEHAM, 2180 781-279-4343
Pompeo & Sons Insurance Agency Inc Travelers 464 High St , Medford, 2155 (781)241-4006
Messinger Insurance Agency Inc None 475 Broadway, Everett, 2149 None
Boyd Insurance Agency, Inc. None 207 Hagman Road, Winthrop, 2152 None
Cleary Insurance Inc Liberty Mutual Independent 226 CAUSEWAY ST STE 302, BOSTON, 2114 617-723-0700
Eastern Insurance Group Llc Travelers 607 North Ave, Wakefield, 1880 None
Ribeiro-Desousa Insurance None 1092 Street, Cambridge, 2139 None
Lister Insurance Agency Travelers 110 CENTRAL AVENUE, MEDFORD, 2155 781-393-9330

Medford, 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 +$59 $1,401
Driver's Failure In Showing Documents +$130 $1,472
Driving With An Expired Registration +$138 $1,480
Driving At A Considerably Slow Pace +$291 $1,633
Using A Cellphone While Driving +$307 $1,649
Running A Red Light +$313 $1,655
Speeding +$329 $1,671
Driving A Vehicle Without The Required Permission +$417 $1,759
Driving With An Expired/Suspended License +$905 $2,247

Medford, 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 $1,288
Active Disabling Device $1,288
Tracking Device $1,261
Passive Disabling Device $1,248

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

My premium and deductible has been fair for across the board for all my vehicles. I feel that they offered good discounts to me for my driving record.
State Farm
My experience was very good, since it sent me the time to get your service and when solving the problems are very good