Watertown Town Auto Insurance Rates, Quotes, Agents & Reviews in MA

Watertown Town, MA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Watertown Town, 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!

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


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

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

Watertown Town Newton Belmont Brookline Waltham Somerville
Average Insurance Rates $1,356 $1,089 $1,459 $1,485 $1,120 $1,234

Watertown Town, 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 Watertown Town, 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)
Watertown Town $3,499 $2,955
Belmont $1,403 $1,185
Newton $1,879 $1,587
Cambridge $2,042 $1,725
Arlington $1,434 $1,211
Waltham $1,915 $1,617
Brookline $2,140 $1,808
Somerville $1,462 $1,235

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

Teenagers in Watertown Town, 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 $4,400
20 Years $1,742
30 Years $1,342
40 Years $1,291
50 Years $1,196
60 Years $1,212
70 Years $1,411

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

Car owners in Watertown Town, 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 $2,305 $407
3 Vehicles $3,458 $610
4 Vehicles $4,610 $814

Savings on 2 Vehicles bundle:$407

Savings on 3 Vehicles bundle:$610

Savings on 4 Vehicles bundle:$814


Watertown Town, 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 Watertown Town, MA.

Location Average Insurance Cost Post DUI Insurance Rate
Watertown Town $1,356 $2,455
Belmont $1,459 $2,642
Newton $1,089 $1,972
Cambridge $1,234 $2,234
Arlington $1,392 $2,520
Waltham $1,120 $2,028
Brookline $1,485 $2,689
Somerville $1,234 $2,234

Watertown Town, 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) $1,163
Excellent (740-799) $1,328
Good (670-739) $1,413
Average (580-669) $1,843
Poor (300-579) $2,212

Watertown Town, 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
Eagle Trust Insurance None 707 Broadway, Somerville, 2144 (617)245-6418
Michals Insurance Agency Inc Travelers 85 MAIN ST STE 101, WATERTOWN, 2472 617-924-1100
Ark Insurance Agency Inc None 104 Main St, Stoneham, 2180 None
Wilson Ins Agency Inc Travelers 109 WEST FOSTER STREET, MELROSE, 2176 781-665-1034
Pacific Insurance Agency None 578 Columbia Road Dorchester, Boston, 2125 None
Kaplansky Insurance Agency Liberty Mutual Independent 2288 MASSACHUSETTS AVE, CAMBRIDGE, 2140 (617) 945-2075
Joe Babcock Liberty Mutual 173 Bedford St., Lexington, 2420 1-781-861-8750
Daniel Fay Liberty Mutual One Kendall Square B7101, Cambridge, 2139 1-617-374-3741
Ralph M Power Insurance Agency None 156 Broadway, Malden, 2148 None
Welsh And Parker Insurance None 57 Putnam Street , Winthrop, 2152 None

Watertown Town, 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 $1,416
Driver's Failure In Showing Documents +$132 $1,488
Driving With An Expired Registration +$140 $1,496
Driving At A Considerably Slow Pace +$294 $1,650
Using A Cellphone While Driving +$311 $1,667
Running A Red Light +$316 $1,672
Speeding +$332 $1,688
Driving A Vehicle Without The Required Permission +$422 $1,778
Driving With An Expired/Suspended License +$914 $2,270

Watertown Town, 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 $1,302
Active Disabling Device $1,302
Tracking Device $1,275
Passive Disabling Device $1,261