Fall River Car Insurance

Everything You Need to Know About Car Insurance in Fall River

Find the right car insurance policy for you.

Nestled at the mouth of the Taunton River and along the eastern shore of Mount Hope Bay, Fall River, MA is a unique city with a growing population. Over the years, Fall River has grown and evolved into the tourist hot spot that it remains today. People come from across Massachusetts to visit historic Battleship Cove and attend numerous ethnic festivals throughout the year. 

With all this interest in Fall River, traffic has become a growing problem. That’s why every driver in this area needs a reliable Fall River car insurance policy. Finding the best auto insurance starts with a call to our friendly Independent Insurance Agents. Our agents can help you navigate the maze of coverage options and build a customized car insurance plan that best protects you from the traffic risks in Fall River.

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

Massachusetts car insurance rates are notoriously higher than national averages, but finding affordable coverage is possible. Our Independent Insurance Agents provide quotes on multiple policies so you can compare the cost of each option and choose a plan that is right for you. Ultimately, your car insurance rate depends on your driving record, your age, and the kind of car you drive.

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, drivers are required to have car insurance. Before you get behind the wheel in Fall River, you need to have a minimum coverage of $20,000 for personal injury protection, $40,000 for bodily injury liability and $5,000 for property damage liability. Keep in mind that these are only the minimum coverage limits, but you might want to invest in more. If you end up in an accident and the costs exceed your coverage, you’ll end up paying the difference out of pocket.

Number of Uninsured Motorists in Massachusetts

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

The screeching of tires, the sound of shattering glass … a car accident can be terrifying. In the moments after an accident, everything can be hazy, but eventually, you have to face your circumstances. If you are hit by an uninsured driver, things are even worse. Suddenly, you are responsible for paying for car repairs and medical bills even if the accident isn't your fault and it’s because the other driver isn't insured. Uninsured motorist coverage protects you in this situation. A simple call to your insurance company and a submitted claim is all it takes to get your car repaired so you can get back on the road.

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

Fall River was rated the 88th most dangerous city in the United States. Car theft is a mounting concern, and the only way to really protect yourself is with comprehensive auto insurance. If your car does get stolen, you are covered and can replace your vehicle and any valuables you had stashed inside. Our Independent Insurance Agents can help you find a reliable car insurance policy that includes full coverage for car theft, a must-have if you live in the high crime neighborhoods of Fall River.

Find a Great Fall River Car Insurance Policy

Car insurance might seem complicated, but our Independent Insurance Agents will help you navigate the maze of options and find a plan that is right for you. Our friendly agents will answer your questions, point you toward the best coverages and provide free rate quotes on multiple policies. 

If you’re searching for a budget-friendly car insurance plan, contact an agent for a free quote today.

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