Lynn Car Insurance

Everything You Need to Know About Car Insurance in Lynn

Find the right car insurance policy for you.

Located just 10 miles north of downtown Boston, you’ll find the city of Lynn, MA. This beautiful coastal town borders the Massachusetts Bay and the Atlantic Ocean. It’s a city with a rich history of “firsts,” like the nation’s first fire engine and the first American jet engine. It’s even the home of the first roast beef sandwich, according to local rumors. If you live in Lynn, you are probably accustomed to the crazy traffic flowing through toward downtown Boston. Make sure you’re protected with the best Lynn car insurance.

Our Independent Insurance Agents make it simple to find the most reliable coverage options at affordable prices. Our friendly agents specialize in connecting Lynn drivers to the best auto insurance policies. You’ll receive one-on-one attention as you compare your options and shop for a plan that will best protect you.

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

If you live in Lynn, you should be prepared to pay a little more than the national average for car insurance. Our Independent Insurance Agents can help you find the most budget-friendly rates by offering quotes on multiple policies. Ultimately, the cost of car insurance depends on your age, the make and model of your car and your driving record. Even if you have recent traffic citations or accidents on your record, our experienced agents can match you with an affordable coverage plan.

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

Traffic accidents are a mounting problem in Massachusetts, which is why state lawmakers have now made it mandatory for all drivers to have car insurance. If you live in Lynn, 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. Talk to an Independent Insurance Agent about whether these minimums are enough to protect you in a real-world situation. You might find that you’ll want to invest in more coverage as an added layer of protection.

Number of Uninsured Motorists in Massachusetts

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

If you’ve ever found yourself in the midst of a car accident, you know it can be terrifying. If you end up in a wreck with an uninsured driver at fault, it can be beyond frustrating. Suddenly you’re facing a stack of bills to pay for car repairs and medical care, and the accident isn't even your fault. Uninsured motorist coverage protects you against this scenario and steps in to take care of the financial burden if you get hit by an uninsured driver.

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

As a suburb of Boston, Lynn is definitely a place where crime can be concerning. Auto theft is a serious problem in this region, so make sure you take precautions. Always lock your car doors and park in a well-lit area at night. Most importantly, make sure you choose a car insurance plan that includes coverage for auto theft. Then if your car does get stolen, you can get a replacement vehicle and get back to your daily routine without worrying about transportation.

Find a Great Lynn Car Insurance Policy

Shopping for car insurance might seem complicated, but our Independent Insurance Agents can simplify the process. Our experienced agents will work with you to help you find the most affordable coverage options that will be a good match for your driving habits. Whether you are looking for basic liability coverage or more extensive coverage options, our Independent Insurance Agents can help. 

Contact an agent today to get a free rate quote, and learn more about how you can save on Lynn car insurance. 

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