Fitchburg 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.


As the third-largest city in Worcester County, Fitchburg, MA is a busy community with heavy traffic. Whether you’re heading out for a day at the Fitchburg Art Museum or you’re speeding toward Fitchburg State University for the college football game, don’t get behind the wheel without reliable Fitchburg car insurance. Our Independent Insurance Agents can help you find a comprehensive auto insurance plan that won’t break your budget. Our agents will answer your questions, offer you tips to lower your premium and match you with a plan that best protects your car from Fitchburg’s biggest threats. 

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

The high auto insurance premiums in Massachusetts can make shopping for car insurance a little difficult, but affordable options are out there. Our Independent Insurance Agents can point you toward the most budget-friendly car insurance plans and help you choose the right coverages that work within your price range. Ultimately, your personalized rate is based on your age, your driving history 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

Massachusetts state laws require all drivers to be covered by an auto insurance plan. 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. While these minimums might sound like a lot, they actually are often too low when it comes to a real-world accident. If you get into a serious wreck and someone experiences life-threatening injuries, medical bills will far surpass these minimums within just a matter of days. Invest in as much liability coverage as you can afford because you’ll have to pay any difference out of pocket.


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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%

Massachusetts now requires all drivers to purchase uninsured motorist coverage as part of their car insurance policies. This type of coverage is crucial in Fitchburg, where traffic can get intense, and far too many drivers on the roads are uninsured. If one of those uninsured drivers causes an accident and your car is damaged, this policy provides you with money needed to make 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

Fitchburg’s crime rate is nearly 20 percent higher than the national average, causing all drivers to stop and think about the risks of auto theft. If your car gets stolen, your car insurance policy becomes more important than ever before. You can file a claim and receive compensation for your stolen car so you can get a new vehicle and get back to your daily routine.

Find a Great Fitchburg Car Insurance Policy

When you’re navigating the traffic in Fitchburg, there are lots of things that put you at risk. With the number of drunk drivers and uninsured motorists on the roads, potential accidents loom around every turn. Make sure you’re prepared by investing in a comprehensive Fitchburg auto insurance policy. Our Independent Insurance Agents can help you find the most affordable options by providing quotes on multiple policies. They will point you toward the most reliable coverages and help you build a customized car insurance plan that puts your mind at ease when you get behind the wheel in Fitchburg. 

Contact an agent today to get a free quote on car insurance.

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