Chelmsford Car Insurance

Everything You Need to Know About Car Insurance in Chelmsford

Find the right car insurance policy for you.

A short 30 miles northwest of Boston lies the charming town of Chelmsford, MA. This town of 33,802 may have historic roots and prevalence, but today's residents take pride in living in an area booming with new families, economic success and community liveliness. But because of Chelmsford's proximity to big cities and state boundaries, traffic can become horrendous.

To ensure you and your vehicle are protected, talk to an Independent Insurance Agent. Our local agents know the Chelmsford area personally and aren't tied down to one carrier, so they can receive and compare quotes from a multitude of carriers. Let us help you receive a customized, comprehensive and affordable Chelmsford car insurance policy today.

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

Tired of paying too much for your incomprehensive auto insurance? Our agents completely understand and want to help you find a policy that is both customized and affordable. Your Chelmsford auto insurance should be based on your vehicle's age, make, average mileage and even your own driving record — not average and typical statewide factors. Let us help you receive the auto protection you need and deserve.

Massachusetts Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection: required
  • Uninsured motorist coverage: required
  • Minimum liability limits: 20/40/5

As a Massachusetts driver, you're required to have minimum liability coverage of up to $20,000 for an individual involved in an accident, $40,000 for all persons involved and $5,000 for property damage. These limits provide a great foundation of protection, but chances are high that a real accident would surpass these limits and cause you to pay out of pocket. An agent can talk to you about your options and explain why higher limits provide greater protection.

Number of Uninsured Motorists in Massachusetts

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

Luckily, The Bay State sees relatively low numbers of uninsured and underinsured drivers. But there's no way to tell who has coverage and who doesn't when you're on the road. Having uninsured motorist coverage is required in Massachusetts, but do you understand why? Receiving compensation from these careless drivers is extremely difficult — if not impossible — to collect. Discuss this coverage with an insurance agent today so you can receive 360 degrees of protection.

Number of Auto Thefts in Massachusetts

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

You can park underneath street lamps and ensure your car's security system is enabled, but break-ins can happen without warning. The only way to guarantee you're protected against auto thefts is by purchasing a Chelmsford car insurance policy that covers such events. Your local agent will help you receive compensation for broken windows and stolen personal property in a timely and efficient manner.

Find a Great Chelmsford Car Insurance Policy

Don't let the car insurance shopping process leave you overwhelmed and frustrated. Let an Independent Insurance Agent help by assessing your unique risks, comparing numerous quotes and finding a personalized policy. Whether you've had your car for a decade or just purchased a new sports car, you deserve to have proper protection. 

Find a local agent in your area to start the process today.

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