Quincy is a beautiful city that serves as a southern suburb of Boston. Known as the “City of Presidents,” this is the birthplace of two of America’s presidents, John Adams and his son John Quincy Adams. Over the years, Quincy, MA has grown into a hub for small businesses and young families. As more and more people move to this area, the traffic has gotten intense. That’s why it’s more important than ever to invest in the best Quincy car insurance. Our Independent Insurance Agents work alongside Quincy drivers to find the most affordable rates and reliable coverage options. If you’re searching for the right car insurance, our experienced agents can help.
- National average cost per year: $1,311
- Massachusetts average cost per year: $1,460
- #16 most expensive auto premium in the U.S.
Car insurance rates in Massachusetts trend above national averages. The good news is that you can get lower rates with help from our Independent Insurance Agents. Our friendly agents provide rate quotes on multiple policies so you can compare the cost of each plan and find a policy that is right for your budget. Several factors influence your rate such as your age, the kind of car you drive and your recent driving record.
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
Even the most careful drivers in Quincy aren’t immune to car accidents. There’s just no way to avoid accidents completely, and everyone is at risk. If you do end up in an accident, the damage can take a heavy toll on your finances. That’s why Massachusetts has legally mandated that all drivers have insurance. You need a minimum of $20,000 for personal injury protection, $40,000 for bodily injury liability and $5,000 for property damage liability. These minimums are designed to act as a financial buffer for drivers, but keep in mind that they are oftentimes not enough. If the cost of an accident exceeds your coverage limit, you have to pay the rest out of pocket. It’s wise to invest in the most liability coverage that you can afford to best protect your car and your finances.
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 been in a car wreck, you know that it can be terrifying. When 2 tons of glass and steel are barreling toward you, it is a nightmare scenario. Things get even worse afterward, especially if the other driver is uninsured. Suddenly you have to shoulder the cost of car repairs, even though the other driver is at fault. Uninsured motorist coverage protects you from this situation and steps in to cover the cost of car repairs and medical bills if the driver at fault is uninsured or underinsured.
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
Since Quincy is so close to Boston, crime is something everyone has to think about. Car thefts, in particular, are a serious threat. If your car gets stolen, you can rely on your auto theft coverage to step in and pay for a new vehicle to replace it. However, if you don’t have car insurance, you'll have no transportation. Our Independent Insurance Agents can help you find a policy that includes comprehensive coverage for auto theft so that you are always protected.
Find a Great Quincy Car Insurance Policy
Choosing a car insurance policy can seem overwhelming. There are lots of coverage options to navigate, and sometimes it’s hard to know how much coverage you really need. Our Independent Insurance Agents offer one-on-one assistance to every customer. When you call our experienced agents, you’ll get a caring expert who can guide you toward the most reliable coverages at the most affordable prices. Best of all, our agents can offer quotes from multiple policies, giving you the best chance to find a budget-friendly car insurance plan that you can count on.
Contact an agent today to learn more about Quincy auto insurance and to receive a free quote.