Beverly Car Insurance

Everything You Need to Know About Car Insurance in Beverly

Find the right car insurance policy for you.

Beverly, MA is commonly called “Garden City” thanks to the miles upon miles of coastline and public parks just waiting to be explored. This busy city offers a thriving downtown area, an eclectic mix of local businesses and nonstop opportunities for fun and entertainment. With so much to see and do, the traffic in Beverly can get intense, so make sure you’re covered with the best Beverly car insurance. Our Independent Insurance Agents can help you find an affordable auto insurance plan that offers protection against the biggest threats on the city’s roads.

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

If you’re frustrated with the high car insurance rates in Massachusetts, you’re not alone. It can be really challenging to find affordable rates in the New England region, but our Independent Insurance Agents can help. Our friendly agents provide multiple quotes so you can compare policies and choose a plan that will work within your set budget. Keep in mind that your rate can vary pretty dramatically depending on the kind of car you drive and your driving history.

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

Drivers in Massachusetts are required to have minimum liability coverage according to state laws. Minimum coverage limits are $20,000 for individual injuries, $40,000 for total injuries in an accident and $5,000 for any resulting property damage. You also need to add uninsured motorist coverage. It’s important to note that these minimums are a starting point, and it’s usually wise to invest in more coverage so you are sure you have enough to cover the costs if you are involved in an expensive accident.

Number of Uninsured Motorists in Massachusetts

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

Uninsured motorist coverage is a legally required policy for all Massachusetts drivers. This type of car insurance serves as a safeguard for Beverly drivers. If you get into an accident and the driver at fault doesn’t have insurance, this policy steps in to pay for car 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

While Beverly is mostly considered to be a safe city, auto thefts are still a concern. You should always take common sense precautions to protect your car by locking the doors or by parking in high traffic areas. However, the only way to be sure you’re protected is with a comprehensive car insurance policy that includes full coverage for auto theft.

Find a Great Beverly Car Insurance Policy

As a driver navigating the busy roads in Beverly, you can’t afford to skimp when it comes to auto insurance. Our Independent Insurance Agents will make finding the most reliable car insurance easier than you ever dreamed possible. You’ll receive one-on-one support as you compare policies and choose a plan that is right for your vehicle. Whether you’re a brand-new driver looking for insurance or you’re an experienced driver just looking for better rates, turn to our Independent Insurance Agents for assistance. 

Contact an agent today, and enjoy a free rate quote on Beverly auto insurance.

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