Chelsea Car Insurance

Find the right car insurance policy for you.

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Chelsea, MA has seen economic development, population growth and overall success in the past few years. And its proximity to Boston offers a host of other opportunities as well. The town of 36,000 may not see as much traffic as nearby areas, but some areas certainly see their fair share of road rage and slow-moving vehicles. Whether you're heading downtown to work or headed to the big city on Highway 1, you need protection against the unexpected.

Our Independent Insurance Agents can help. Our local, experienced agents know the ins and outs of Chelsea car insurance and can get you set up with comprehensive, affordable coverage. Just take the first step by finding an agent near you to start the pain-free process. You deserve to have 360 degrees of protection when it comes to one of your prized possessions.

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

Car insurance rates in Massachusetts may be higher than national average rates, but that doesn't mean you should be overpaying. Because your Chelsea auto insurance is based on a number of personal factors, such as the vehicle's make, average yearly mileage, claims history and parking spot, every car owner's situation is different. You deserve a personalized policy that meets your needs and fits your budget. To find comprehensive protection, talk to your local agent about how to find the best coverage at the best price.

Massachusetts Car Insurance Requirements

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

The Bay State requires minimum coverage of up to $40,000 for all persons involved in an accident, $20,000 for an individual and $5,000 for property damage. It may seem sufficient, but chances are a mishap could set you back even further — causing you to pay out of pocket. An agent can discuss how purchasing coverage with higher limits can give you 360 degrees of protection as well as peace of mind when driving down busy Massachusetts roads.


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Number of Uninsured Motorists in Massachusetts

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

Don't take the state's extremely low number of uninsured drivers for granted. Getting into an accident with an uninsured/underinsured driver can be financially devastating since compensation can be difficult — if not impossible — to receive from them. Ensure that your Chelsea auto insurance policy includes coverage against careless drivers or purchase add-on coverage to protect yourself. Whether it's a simple fender bender, hit-and-run or something more serious, you shouldn't be the one at fault. Let our agents discuss the details and explain why uninsured motorist coverage helps you in more ways than one.

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

If your car was broken into, how would your current insurance respond? Comprehensive coverage typically replaces stolen parts, compensates for broken windows and reimburses for stolen property. There's a chance that storm, vandalism, animal and falling object damage are covered as well. While protecting yourself against an unfortunate burglary is essential, the right Chelsea car insurance gives you more than what you think. Discuss the details with your local agent today.

Find a Great Chelsea Car Insurance Policy

Did you know that Trusted Choice Independent Insurance Agents have relationships with a multitude of carriers? Our agents aren't tied down to a single carrier, which means you'll receive various quotes that you can compare until you find the best match. Our agents use their expertise to assess your needs and situation and can find the right Chelsea auto insurance that fits your budget and covers all your bases.

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