Belmont Car Insurance

Everything You Need to Know About Car Insurance in Belmont

Find the right car insurance policy for you.

Belmont is a busy suburb of Boston, known for its beautiful homes and peaceful tight-knit community. Whether you live in a big mansion in Belmont Hill or you prefer the small, quaint homes close to Cushing Square, make sure you're covered with the best Belmont car insurance before you head out on the roadways.

Finding the best car insurance in Belmont, MA can be overwhelming. There are dozens of options to choose from, and many drivers don't know where to start. Our friendly Independent Insurance Agents offer a personalized approach to car insurance. They will walk you through all of your coverage options and help you find the most comprehensive auto insurance at an affordable price. 

  • National average cost per year: $1,311
  • Massachusetts average cost per year: $1,460
  • 16th most expensive auto premium in the U.S.

Belmont drivers face a serious challenge when shopping for affordable car insurance. This area tends to have higher premium rates, plus the rigid state requirements make it difficult to find budget-friendly coverage. Our Independent Insurance Agents can help you track down the most cost-effective car insurance by providing quotes on multiple policies. This gives you a chance to compare numerous options and choose a plan that is right for your budget. 

Massachusetts Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 20/40/5

In Massachusetts, all drivers are required to have minimum liability coverage of $20,000 for individual bodily injury, $40,000 for all injuries in an accident, and $5,000 for property damage per accident. While the state requirements might seem extreme to some drivers, they actually act as a safeguard to keep you from financial ruin if you are in a serious accident. 

Number of Uninsured Motorists in Massachusetts

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Massachusetts drivers: 3.9%

Uninsured drivers can wreak havoc on the roadways. If you get in a wreck and the other driver isn't insured, you could get stuck paying for your own car repairs out of pocket. That's why Massachusetts now requires all drivers to carry uninsured motorist coverage along with the minimum liability. This guarantees that if you get hit by an uninsured driver, your policy will still pay for repairs. 

Number of Auto Thefts in Massachusetts

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Massachusetts: 1.91

Belmont is one of the safest suburban areas in Massachusetts, but car thefts still happen occasionally. Even if you are careful to lock your car doors and turn on the security alarm, there's no guarantee that this will deter a potential thief. Make sure you select a car insurance policy that will pay for the cost of replacing your car if it is stolen. 

Find a Great Belmont Car Insurance Policy

Choosing the right car insurance doesn't have to be complicated. Our experienced Independent Insurance agents can help you navigate the coverage options and select a plan that will provide you peace of mind without causing serious financial strain. 

Contact an agent today to get your customized quote on Belmont car insurance.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn