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

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

The Average Cost of Insurance in Stoneham, MA is $1,340

A car owner in Stoneham, MA, pays an average car insurance cost of $1,340. This cost is higher than in nearby locations like Malden but slightly lower than other nearby locations like Reading, Melrose, Wakefield, and Medford. Zimlon’s analysis shows that various factors like make and model of the car, location, age of the driver, and credit scores can make car insurance costs expensive in Stoneham, MA. 

Neighborhood:

The neighborhood one lives in Stoneham, MA influences the cost of car 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. Below is the average cost of car insurance in Massachusetts by location.

Age of the Driver: 

According to Zimlon’s analysis, middle-aged drivers in Stoneham, MA, pay much less car insurance than teenagers. The average cost of car insurance for teenagers in Stoneham, MA, is $4,348, whereas drivers between the age of 30 to 60 years pay less than $1400. This difference is because young drivers are generally considered less responsible behind the wheel by insurance companies. Therefore, middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Multi-Car Insurance: 

Car owners in Stoneham, MA, can obtain discounts and make car insurance less expensive by insuring multiple vehicles with the same insurance company. Bundling is another way of increasing your savings. Car owners can also opt to insure their life, auto, and home insurance with the same insurer to get added benefits.

Car owners in Stoneham, MA, can save $322 by opting to insure two cars together. Insuringthree or four cars would further help Stoneham, MA, residents save $482 and $643, respectively. 

Credit Score:

Having an “excellent” or “good” credit score will also help make car insurance less expensive in Stoneham, MA. Several auto insurance companies provide discounts to car owners that have a higher positive credit score. In Stoneham, MA, if a driver’s credit score is exceptional, the cost of auto insurance can be as low as $1,150. It can be as high as $1,822 and $2,186 if the credit score is average or poor.

Factors that can influence the cost of car insurance in Stoneham, 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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Stoneham, MA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

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

	Stoneham	Reading	Melrose	Wakefield	Medford	Malden
Average Insurance Rates	$1,340	$1,360	$1,349	$1,344	$1,342	$1,311

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Stoneham, 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 Stoneham, 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)
Stoneham	$1,899	$1,604
Melrose	$1,579	$1,334
Wakefield	$2,570	$2,171
Winchester	$1,205	$1,018
Woburn	$1,934	$1,634
Medford	$2,034	$1,718
Malden	$1,851	$1,563
Reading	$1,523	$1,287

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

Teenagers in Stoneham, 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	$4,348
20 Years	$1,722
30 Years	$1,326
40 Years	$1,276
50 Years	$1,182
60 Years	$1,198
70 Years	$1,395

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

Car owners in Stoneham, 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	$2,358	$322
3 Vehicles	$3,538	$482
4 Vehicles	$4,717	$643

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Stoneham, 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 Stoneham, MA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Stoneham	$1,340	$2,426
Melrose	$1,349	$2,443
Wakefield	$1,344	$2,433
Winchester	$1,490	$2,698
Woburn	$1,129	$2,044
Medford	$1,342	$2,430
Malden	$1,311	$2,374
Reading	$1,360	$2,462

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Stoneham, 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)	$1,150
Excellent (740-799)	$1,312
Good (670-739)	$1,396
Average (580-669)	$1,822
Poor (300-579)	$2,186

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Stoneham, 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
Cappadona Insurance Agency	None	25 Summer Street, Watertown, 2172	None
Peter Beatrice Insurance Agency	None	286 Humphrey St, Swampscott, 1907	None
Andrew T Philbin Ins Agency Inc	None	629 Broadway, Everett, 2149	None
Jeff Carbone Insurance Agency Inc	None	429 Main St, Melrose, 2176	None
Lewis-Clark & Brown Inc	Travelers	22 WOBURN ST STE 25, READING, 1867	781-944-0427
Patrick J Woods Insurance	None	40 Main Street, Peabody, 1960	None
Sartori Ins Agency Inc	Travelers	76 BEDFORD ST STE 37, LEXINGTON, 2420	781-861-6900
Angels Ins Agency Corp	Travelers	425A BROADWAY STE 1, EVERETT, 2149	617-389-7300

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Stoneham, 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	$1,399
Driver's Failure In Showing Documents	+$130	$1,470
Driving With An Expired Registration	+$138	$1,478
Driving At A Considerably Slow Pace	+$291	$1,631
Using A Cellphone While Driving	+$307	$1,647
Running A Red Light	+$312	$1,652
Speeding	+$328	$1,668
Driving A Vehicle Without The Required Permission	+$417	$1,757
Driving With An Expired/Suspended License	+$903	$2,243

Stoneham, 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	$1,286
Active Disabling Device	$1,286
Tracking Device	$1,260
Passive Disabling Device	$1,246

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