New Bedford Car Insurance

Everything You Need To Know About Car Insurance in New Bedford

Find the right car insurance policy for you.

New Bedford, MA is often referred to as "The Whaling City." Since the 19th century, this waterfront area has been one of the most important whaling ports in the world. Today, it remains the #1 fishing port in America, and residents enjoy easy access to beautiful beaches and numerous parks and playgrounds. Of course, with close proximity to the coast comes an elevated risk for serious storms. Torrential rains in the summer and serious snowfall in the winter can be a major challenge for New Bedford drivers. Before you get behind the wheel, make sure you're covered with New Bedford car insurance.

Selecting the best coverage is easy with help from our Independent Insurance Agents. Our caring agents are intimately familiar with the unique obstacles of finding affordable car insurance in New Bedford, and they will guide you toward the most cost-effective policies and help you choose appropriate liability limits. 

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

New Bedford drivers often pay more for auto insurance than drivers in other parts of the country. The higher rates can be a serious strain on your budget, but our agents can help. Our experienced agents can provide multiple quotes so you can compare all of your options and choose a plan that works within your budget. 

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 has some of the most rigid laws in the nation for auto insurance. Drivers are required to have minimum liability coverage of $20,000 for individual bodily injury, $40,000 for all injuries in an accident and $5,000 for property damage per accident. Plus you'll also need uninsured motorist coverage. Our agents can help you find a policy that satisfies these requirements. 

Number of Uninsured Motorists in Massachusetts

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

Uninsured motorists can be a serious problem. In the past, drivers without insurance have done thousands of dollars in damage and left innocent victims unable to pay for car repairs or medical bills. To prevent this scenario, Massachusetts now requires all drivers to carry uninsured motorist coverage. This is a smart way to protect yourself just in case you end up in a collision and the driver at fault isn't insured. 

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

New Bedford residents have to take the threat of auto theft seriously. The city's high crime rate and history of gang violence pose a major risk for any driver. If you walk out of your house and discover that your car is missing, you will be thankful to have comprehensive auto insurance coverage. Your policy pays to replace your car so you can get on with life without waiting on the police to try to track down your missing car, something that might never happen. 

Find a Great New Bedford Car Insurance Policy

As you shop for car insurance, there are many factors to consider. You'll need enough liability coverage to satisfy Massachusetts requirements, and you'll need to find a rate that won't put too much strain on your budget. Our Independent Insurance Agents can walk you through the process of selecting a comprehensive policy while answering your questions and putting you at ease from start to finish. 

Contact our friendly agents today to start shopping for affordable New Bedford car insurance. You'll have peace of mind that you're always covered in case of an accident. 

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