Dorchester 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.


Dorchester, MA is Boston's largest neighborhood and the heart of cultural diversity. Ethnic restaurants, educational events and community pride radiate from this area. But because of its extreme proximity to the big city and I-95, the neighborhood sees its fair share of traffic. Whether you're headed west to Franklin Park for a picnic or north to Boston Commons, you and your vehicle are at risk.

Let an Independent Insurance Agent find the right Dorchester auto insurance policy that protects you from fender benders, hit-and-runs, and burglaries. Because our agents aren't tied down to one carrier, they can assess your specific risks and compare quotes depending on your budgetary needs. You deserve the best protection out there when the unexpected occurs.

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

Your Dorchester auto insurance is based on a number of personal factors. State statistics and numbers may show one thing, but your customized policy should say another. Did you know that your desired deductible, automaker, average yearly mileage, ZIP code, and credit history all come into play? An agent will work with your specific information to compare quotes from various companies until the right policy lands in your lap. There is no one-size-fits-all car insurance, which is why you deserve to receive coverage that's all yours.


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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

As a Massachusetts driver, you're required to carry 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. But a fender bender can easily surpass those dollar amounts and cause you to pay much more out of pocket. Talk to an agent about higher limits so you can be fully protected and feel secure while on the road.

Number of Uninsured Motorists in Massachusetts

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

It's hard to say which driver has proper auto insurance and which doesn't while you're on the road, but you shouldn't take risks. Ensure your insurance includes protection against uninsured/underinsured drivers; if not, add the coverage to your policy. You don't want to be stuck in a situation where it's difficult or nearly impossible to collect the money you deserve if an accident occurs. This coverage isn't required, but it certainly warrants a discussion with an agent.

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

Massachusetts boasts a smaller than average rate of auto break-ins when compared with national averages. Despite optimistic statistics, a burglary can happen at any moment in any city. Of course, you can take preventative steps, such as parking under street lamps or hiding valuable property, but specific makes and models are at greater risk than others, which can impact your monthly premium rate. The only way to know that you're fully covered for a broken window or stolen laptop is by purchasing comprehensive Dorchester car insurance from a local agent.

Find a Great Dorchester Car Insurance Policy

Find an Independent Insurance Agent near you to receive comprehensive, personalized and affordable Dorchester auto insurance. The process can be overwhelming with so many options, but our agents will help you understand your risks and answer your questions so you feel confident. Isn't it about time you found auto insurance and an insurance company that works best for your needs and budget?

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